Sharpe ratio
1.87Return earned for the risk taken.
Good
Good risk-adjusted returns. The fund has delivered strong returns for its level of risk.
+6.47%1Y Absolute Return
+0.01%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 Savings Fund - Growth - Direct PlanFund 5Y annualised return | ₹8,64,225 | ₹7,32,612 | ₹1,31,613 | +6.84% |
| 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₹1.08
₹1 Lakh since launch₹1.08 Lakh
Fund age13.9 yrs
Fund information
Scheme code119501
ISININF209K01UR9
BenchmarkNIFTY Ultra Short Duration Debt Index A-I
CategoryDebt Scheme - Ultra Short Duration Fund
Expense ratio0.30%
Exit loadNil
Minimum SIP₹1,000 SIP
Return comparison
27th / 209 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.61% | — | — |
| 3M | +6.00% | — | — |
| 6M | +7.08% | — | — |
| 1Y | +6.47% | — | +2.44% |
| 3Y | +7.44% | — | +2.87% |
| 5Y | +6.84% | — | +2.76% |
| 10Y | +6.94% | — | — |
| Since Launch | +7.66% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
4.14Return earned while limiting downside risk.
Excellent
Excellent downside risk-adjusted returns. The fund has managed downside risk very effectively.
Standard deviation
0.51%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
6.34How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
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
Portfolio103%
Debt102.82%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 137 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 37222 182 DAYS TBILL 18SP26 FV RS 100 | Financial | Treasury Bills | 4.7179% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT CD 18MAR27 | Financial | Certificate of Deposit | 4.0931% |
| INDUSIND BANK LTD. CD 14DEC26 | Financial | Certificate of Deposit | 4.0781% |
| SHRIRAM FINANCE LIMITED SR XXV TR 14 RR NCD 02SP27 FVRS1LAC | Financial | Debenture | 3.4098% |
| TATA TELESERVICES (MAHARASHTRA) LTD 364D CP 17NOV26 | Technology | Commercial Paper | 3.277% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CD 10NOV26 | Financial | Certificate of Deposit | 2.7389% |
| National Bank For Agriculture and Rural Development (17/02/2027) ** | Financial | Certificate of Deposit | 2.6892% |
| HDFC BANK LIMITED CD 09MAR27 | Financial | Certificate of Deposit | 2.4121% |
| BHARTI TELECOM LIMITED SR XXVII 7.30 NCD 01DC27 FVRS1LAC | Technology | Debenture | 2.2272% |
| MUTHOOT FINANCE LIMITED 8.05 NCD 25NV27 FVRS1LAC | Financial | Debenture | 1.9609% |
Fund management
KA
Kaustubh Gupta
Since 2012 · Prior to joining Aditya Birla Sun Life AMC he has worked with ICICI Bank.
Mr. Gupta is a B.Com and a Chartered Accountant.
SU
Sunaina da Cunha
Since 2014 · 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.
MO
Monika Gandhi
Since 2021 · Prior to joining Aditya Birla Sun life Mutual Fund, she was a Deputy General Manager in IDBI Bank for 13 years wherein she handled project appraisal, credit evaluation and credit monitoring for Large and Mid-Corporates.
Ms. Gandhi is CA, CAIIB and B.Com.(Hons)
Compare similar funds
No comparable category funds are available yet.
Summary
A moderate-risk debt scheme - ultra short duration fund. Losses and swings stayed contained — worst fall -1.2%, volatility 0.5%. Financial makes up 70% — trouble in that sector hits the whole fund.
Strengths
- Losses and swings stayed contained — worst fall -1.2%, volatility 0.5%.
- Recovered from its worst fall in 0 months.
- Same fund manager for 14+ years — the strategy has not chopped and changed.
- Ranks 27 of 209 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Financial makes up 70% — trouble in that sector hits the whole fund.