Sharpe ratio
-0.74Return earned for the risk taken.
Negative
Negative means the fund has not rewarded investors well for the risk taken recently.
—1Y Absolute Return
-0.55%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 |
|---|---|---|---|---|
| Zerodha Life Cycle Fund 2041 - Direct - GrowthFund since-launch annualised return · 5Y history unavailable | ₹7,00,670 | ₹7,32,612 | ₹-31,942 | -1.91% |
| 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₹0.98
₹1 Lakh since launch₹0.98 Lakh
Fund age0.3 yrs
Fund information
Scheme code154437
ISININF0R8F01216
BenchmarkCRISIL Multi Asset Index
CategoryHybrid Scheme - Multi Asset Allocation
Expense ratio1.39%
Exit loadExit load of 3% if redeemed within 1 year, 2% if redeemed after 1 year but within 2 years and 1% if redeemed after 2 years but within 3 years.
Minimum SIP₹100 SIP
Return comparison
| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +69.89% | — | — |
| 3M | -8.70% | — | — |
| Since Launch | -1.91% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
-1.02Return earned while limiting downside risk.
Negative
Negative means downside losses have outweighed the returns.
Standard deviation
10.65%How much the fund’s returns fluctuate over time.
Moderate volatility
Returns can move up and down noticeably.
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
-0.19How well the fund rewarded investors relative to its biggest decline.
Negative
The fund has struggled to recover from its 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
Allocation data has not been disclosed.
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 255 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100 | Entities | GOI Securities | 12.8085% |
| Zerodha Gold ETF - Growth | Unspecified | Mutual Fund | 4.5126% |
| Zerodha Silver ETF-Growth | Unspecified | Mutual Fund | 4.5023% |
| HDFC Bank Ltd | Financial | Equity | 3.2822% |
| ICICI Bank Ltd | Financial | Equity | 2.971% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 2.541% |
| Bharti Airtel Ltd | Technology | Equity | 1.7048% |
| BSE Ltd | Financial | Equity | 1.4024% |
| Larsen & Toubro Ltd | Industrials | Equity | 1.3286% |
| State Bank of India | Financial | Equity | 1.2094% |
Fund management
KE
Kedarnath Mirajkar
Since 2026 · Prior to joining Zerodha Mutual Fund, he has worked with ABSL AMC, HDFC Bank as a Deupty Manager, Bombay Dyeing as a Finance Executive. He has over 10 years of experience in the Mutual Fund Industry.
Mr. Mirajkar has done PGDBM (Finance)
Compare similar funds
No comparable category funds are available yet.
Summary
A very high-risk hybrid scheme - multi asset allocation fund. Losses and swings stayed contained — worst fall -9.8%, volatility 10.7%.
Strengths
- Losses and swings stayed contained — worst fall -9.8%, volatility 10.7%.
- Well spread out — top 10 holdings are only 17% of the portfolio.
Weaknesses
- None
Ideal investor
- Needs a 4–5+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 10.7% volatility.
Risk drivers
- None