Sharpe ratio
0.58Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+7.77%1Y Absolute Return
-0.07%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| Aditya Birla Sun Life Medium Term Plan - Growth - Direct PlanFund 5Y annualised return | ₹10,00,961 | ₹7,32,612 | ₹2,68,349 | +12.64% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.10
₹1 Lakh since launch₹1.10 Lakh
Fund age13.9 yrs
Fund information
Scheme code119539
ISININF209K01XA9
BenchmarkCRISIL Medium Duration Debt A-III Index
CategoryDebt Scheme - Medium Duration Fund
Expense ratio0.83%
Exit loadExit load of 1%, if redeemed within 1 Year.
Minimum SIP₹1,000 SIP
Return comparison
1st / 83 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +8.31% | — | — |
| 3M | +1.17% | — | — |
| 6M | +7.50% | — | — |
| 1Y | +7.77% | — | +1.91% |
| 3Y | +10.47% | — | +4.03% |
| 5Y | +12.64% | — | +3.85% |
| 10Y | +8.98% | — | — |
| Since Launch | +9.65% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.11Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
2.32%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.76How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt93.34%
Real Estate4.38%
Cash2.28%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 80 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 | Entities | GOI Securities | 10.3112% |
| BAJAJ HOUSING FINANCE LIMITED 8.25 NCD 27MY31 FVRS1LAC | Financial | Debenture | 4.7818% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 26C 7.27 BD 23FB29 FVRS1LAC | Financial | Debenture | 3.898% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 26A 6.66 BD 12OT28 FVRS1LAC | Financial | Debenture | 3.5397% |
| HINDUJA LEYLAND FINANCE LIMITED 9.25 NCD 09JL31 FVRS1LAC | Financial | Debenture | 3.424% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 26F 7.44 BD 17JL29 FVRS1LAC | Financial | Bonds | 3.1311% |
| OXYZO FINANCIAL SERVICES LIMITED 9.9 NCD 13MR29 FVRS1LAC | Financial | Debenture | 2.779% |
| GMR AIRPORTS LIMITED 5 BD 13FB27 FVRS1LAC | Industrials | Bonds | 2.6141% |
| JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC | Materials | Debenture | 2.5593% |
| JUBILANT BEVCO LIMITED NCD 31MY28 FVRS1LAC | Consumer Staples | Debenture | 2.5579% |
Fund management
MO
Mohit Sharma
Since 2020 · Prior to joining Aditya Birla Sun Life AMC, he ran his own healthcare-tech business (June 2012 - May 2015). he has also worked as an Interest Rates Trader in Standard Chartered Bank (May 2007 - June 2011) and ICICI Bank Ltd (June 2006 - April 2007). He started his career in the Equity Research in Irevna Ltd (June 2005 - June 2006).
Mr. Sharma is B Tech (IIT - Madras) and PGDCM (IIM Calcutta).
SU
Sunaina da Cunha
Since 2017 · Prior to joining Aditya Birla Sun Life Asset Management Company, she has worked with Aditya Birla Management Corporation Ltd.
Ms. Cunha is a B.Com (H) and MBA from FMS, Delhi.
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Summary
A moderately high-risk debt scheme - medium duration fund. Same fund manager for 10+ years — the strategy has not chopped and changed. Has fallen sharply before — down -12.7% at its worst.
Strengths
- Same fund manager for 10+ years — the strategy has not chopped and changed.
- Ranks 1 of 83 in its category over 1 year.
Weaknesses
- Has fallen sharply before — down -12.7% at its worst.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderately high risk level.
Risk drivers
- None