Sharpe ratio
0.28Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+2.51%1Y Absolute Return
-0.25%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 Income Fund - Growth - Direct PlanFund 5Y annualised return | ₹8,33,466 | ₹7,32,612 | ₹1,00,854 | +5.37% |
| 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₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age13.9 yrs
Fund information
Scheme code119657
ISININF209K01WY1
BenchmarkCRISIL Medium to Long Duration Debt A-III Index
CategoryDebt Scheme - Medium to Long Duration Fund
Expense ratio0.69%
Exit loadNil
Minimum SIP₹1,000 SIP
Return comparison
49th / 101 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +11.54% | — | — |
| 3M | -4.92% | — | — |
| 6M | +4.79% | — | — |
| 1Y | +2.51% | — | +1.72% |
| 3Y | +6.06% | — | +4.29% |
| 5Y | +5.37% | — | +4.03% |
| 10Y | +6.47% | — | — |
| Since Launch | +7.43% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.43Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
2.76%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
0.72How 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%
Debt97.26%
Cash2.74%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 64 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100 | Entities | GOI Securities | 23.9051% |
| TATA CAPITAL HOUSING FINANCE LIMITED SR C 7.17 NCD 21MY30 FVRS1LAC | Financial | Debenture | 4.1302% |
| STATE DEVELOPMENT LOAN 34153 KAR 27MR33 7.44 FV RS 100 | Unspecified | State Development Loan | 3.0678% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 26F 7.44 BD 17JL29 FVRS1LAC | Financial | Bonds | 2.8154% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25G 7.48 BD 15SP28 FVRS1LAC | Financial | Bonds | 2.8119% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 26C 7.27 BD 23FB29 FVRS1LAC | Financial | Debenture | 2.804% |
| TATA CAPITAL HOUSING FINANCE LIMITED SR D 7.7120 NCD 14JN28 FVRS1LAC | Financial | Debenture | 2.8016% |
| STATE DEVELOPMENT LOAN 34075 KAR 13MR34 7.36 FV RS 100 | Unspecified | State Development Loan | 2.8005% |
| STATE DEVELOPMENT LOAN 37154 KAR 04SP33 7.31 FV RS 100 | Unspecified | State Development Loan | 2.7951% |
| GOVERNMENT OF INDIA 33002 GOI 12JU63 7.25 FV RS 100 | Entities | GOI Securities | 2.7275% |
Fund management
BH
Bhupesh Bameta
Since 2020 · Prior to joining Aditya Birla Sun Life Mutual Fund as an Analyst, Fixed Income. He was the Head of Research in Forex and Rates Desk at Edelweiss Securities Limited, covering global and Indian forex markets and economies. He was also associated with Quant Capital for 6 years as an Economist and was covering Indian and global economy and markets.
Mr. Bameta has done B.Tech (IIT Kanpur), CFA Charterholder (CFA Institute, USA)
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Summary
A moderate-risk debt scheme - medium to long duration fund. Same fund manager for 6+ years — the strategy has not chopped and changed. Has fallen sharply before — down -10.3% at its worst.
Strengths
- Same fund manager for 6+ years — the strategy has not chopped and changed.
Weaknesses
- Has fallen sharply before — down -10.3% at its worst.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- None