Dezerv

Fund Overview

Fund Size

Fund Size

₹1,391 Cr

Expense Ratio

Expense Ratio

1.92%

ISIN

ISIN

INF209K01751

Minimum SIP

Minimum SIP

₹1,000

Exit Load

Exit Load

1.00%

Inception Date

Inception Date

22 May 2004

About this fund

Aditya Birla Sun Life Regular Savings Fund Regular Growth is a Conservative Allocation mutual fund schemes offered by Aditya Birla SL Mutual Fund. This fund has been in existence for 20 years, 3 months and 16 days, having been launched on 22-May-04.
As of 05-Sep-24, it has a Net Asset Value (NAV) of ₹62.82, Assets Under Management (AUM) of 1391.36 Crores, and an expense ratio of 1.92%.
  • Aditya Birla Sun Life Regular Savings Fund Regular Growth has given a CAGR return of 9.48% since inception.
  • The fund's asset allocation comprises around 22.67% in equities, 72.90% in debts, and 4.12% in cash & cash equivalents.
  • You can start investing in Aditya Birla Sun Life Regular Savings Fund Regular Growth with a SIP of ₹1000 or a Lumpsum investment of ₹1000.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

+12.20%

+13.08% (Cat Avg.)

3 Years

+8.42%

+8.61% (Cat Avg.)

5 Years

+9.95%

+9.49% (Cat Avg.)

10 Years

+9.28%

+7.48% (Cat Avg.)

Since Inception

+9.48%

(Cat Avg.)

Portfolio Summaryas of 15th August 2024

Equity315.4 Cr22.67%
Debt1,014.28 Cr72.90%
Others61.68 Cr4.43%

Top Holdings

All Holdings

Equity

Debt & Others

NameType sortAmount sortHoldings sort
7.17% Govt Stock 2030Bond - Gov't/Treasury91.37 Cr6.57%
7.18% Govt Stock 2033Bond - Gov't/Treasury83.7 Cr6.02%
7.02% Govt Stock 2031Bond - Gov't/Treasury50.5 Cr3.63%
07.49 Tn SDL 2034Bond - Gov't/Treasury30.56 Cr2.20%
Bajaj Housing Finance LimitedBond - Corporate Bond30.04 Cr2.16%
ICICI Bank LtdEquity29.99 Cr2.16%
7.3% Govt Stock 2053Bond - Gov't/Treasury27.21 Cr1.96%
Net Receivables / (Payables)Cash - Collateral26.47 Cr1.90%
Rural Electrification Corporation LimitedBond - Corporate Bond25.91 Cr1.86%
Clearing Corporation Of India LimitedCash - Repurchase Agreement25.84 Cr1.86%
7.17% Govt Stock 2028Bond - Gov't/Treasury25.28 Cr1.82%
Small Industries Development Bank of India 7.68%Bond - Corporate Bond25.05 Cr1.80%
Shriram Finance LimitedBond - Corporate Bond25.04 Cr1.80%
Power Finance Corporation Ltd.Bond - Corporate Bond24.95 Cr1.79%
Small Industries Development Bank Of IndiaBond - Corporate Bond24.92 Cr1.79%
Union Bank Of IndiaBond - Corporate Bond24.84 Cr1.79%
State Bank Of IndiaBond - Corporate Bond24.32 Cr1.75%
HDFC Bank LtdEquity22.49 Cr1.62%
Nexus Select Trust ReitsEquity - REIT20.07 Cr1.44%
Infosys LtdEquity19.73 Cr1.42%
5.15% Govt Stock 2025Bond - Gov't/Treasury19.62 Cr1.41%
7.26% Govt Stock 2033Bond - Gov't/Treasury19.43 Cr1.40%
GS CG 17/12/2025 - (STRIPS) StripsBond - Gov't/Treasury17.45 Cr1.25%
GS CG 22/8/2029 - (STRIPS) StripsBond - Gov't/Treasury15.88 Cr1.14%
7.34% Govt Stock 2064Bond - Gov't/Treasury15.59 Cr1.12%
7.25% Govt Stock 2063Bond - Gov't/Treasury15.4 Cr1.11%
LIC Housing Finance LimitedBond - Corporate Bond15.05 Cr1.08%
Nexus Select TrustBond - Corporate Bond15 Cr1.08%
Tata Capital LimitedBond - Corporate Bond14.88 Cr1.07%
National Bank For Agriculture And Rural DevelopmentBond - Corporate Bond13.94 Cr1.00%
Bharti Airtel LtdEquity13.25 Cr0.95%
Sun Pharmaceuticals Industries LtdEquity12.89 Cr0.93%
0% Goi - 16dec25 StripsBond - Gov't/Treasury12.81 Cr0.92%
Bharti Telecom LimitedBond - Corporate Bond12.51 Cr0.90%
Mindspace Business Parks ReitBond - Corporate Bond12.44 Cr0.89%
Larsen & Toubro LtdEquity11.84 Cr0.85%
UltraTech Cement LtdEquity11 Cr0.79%
6.80% Govt Stock 2025Bond - Gov't/Treasury10.33 Cr0.74%
7.23% Govt Stock 2039Bond - Gov't/Treasury10.27 Cr0.74%
Maharashtra (Government of)Bond - Sub-sovereign Government Debt10.14 Cr0.73%
07.37 RJ Sgs 2034Bond - Gov't/Treasury10.08 Cr0.72%
LIC Housing Finance Ltd. 7.69%Bond - Corporate Bond10.04 Cr0.72%
Tata Capital Housing Finance Ltd. 8.1%Bond - Corporate Bond10.03 Cr0.72%
Bajaj Finance LimitedBond - Corporate Bond10 Cr0.72%
HDFC Bank LimitedBond - Corporate Bond9.99 Cr0.72%
Kotak Mahindra Investments LimitedBond - Corporate Bond9.98 Cr0.72%
Rural Electrification Corporation LimitedBond - Corporate Bond9.98 Cr0.72%
Bajaj Finance LimitedBond - Corporate Bond9.97 Cr0.72%
National Bank For Agriculture And Rural DevelopmentBond - Corporate Bond9.97 Cr0.72%
Bajaj Finance LimitedBond - Corporate Bond9.96 Cr0.72%
State Bank Of IndiaBond - Corporate Bond9.8 Cr0.70%
Summit Digitel Infrastructure LimitedBond - Corporate Bond9.8 Cr0.70%
Goi 22.10.2025 GovBond - Gov't/Treasury9.24 Cr0.66%
State Bank of IndiaEquity9.18 Cr0.66%
Goi120327 StrBond - Gov't/Treasury8.96 Cr0.64%
0% GOI- 22082026 STRIPSBond - Gov't/Treasury8.73 Cr0.63%
7.36 GoiBond - Gov't/Treasury8.7 Cr0.63%
TD Power Systems LtdEquity8.33 Cr0.60%
V-Guard Industries LtdEquity8.21 Cr0.59%
Bajaj Auto LtdEquity8.16 Cr0.59%
Fortis Healthcare LtdEquity7.91 Cr0.57%
Brigade Enterprises LtdEquity7.85 Cr0.56%
Hindalco Industries LtdEquity7.71 Cr0.55%
Mahindra & Mahindra LtdEquity7.52 Cr0.54%
India (Republic of) 0%Bond - Gov't/Treasury7.44 Cr0.53%
GS CG 17/06/2029 - (STRIPS) StripsBond - Gov't/Treasury7.21 Cr0.52%
Whirlpool of India LtdEquity6.97 Cr0.50%
Coforge LtdEquity6.83 Cr0.49%
Voltas LtdEquity6.82 Cr0.49%
Tata Capital Housing Finance LimitedBond - Corporate Bond5.97 Cr0.43%
Godrej Consumer Products LtdEquity5.76 Cr0.41%
IRB InvIT Fund Units 2017-Series IVEquity5.72 Cr0.41%
Star Health and Allied Insurance Co LtdEquity5.71 Cr0.41%
Vijaya Diagnostic Centre LtdEquity5.57 Cr0.40%
Max Financial Services LtdEquity5.46 Cr0.39%
Rec LimitedBond - Corporate Bond5.27 Cr0.38%
Dixon Technologies (India) LtdEquity5.21 Cr0.37%
7.72% Govt Stock 2025Bond - Gov't/Treasury5.04 Cr0.36%
07.23 Tn SDL 2027Bond - Gov't/Treasury5.03 Cr0.36%
Bajaj Housing Finance LimitedBond - Corporate Bond5.02 Cr0.36%
National Bank For Agriculture And Rural DevelopmentBond - Corporate Bond5.02 Cr0.36%
Steel Authority Of India LimitedBond - Corporate Bond5.01 Cr0.36%
Bajaj Finance Ltd. 7.87%Bond - Corporate Bond5.01 Cr0.36%
Bajaj Housing Finance Ltd. 7.8%Bond - Corporate Bond5 Cr0.36%
Mahindra & Mahindra Financial Services LtdBond - Corporate Bond4.99 Cr0.36%
Tata Capital Housing Finance LimitedBond - Corporate Bond4.98 Cr0.36%
National Bank For Agriculture And Rural DevelopmentBond - Corporate Bond4.98 Cr0.36%
Reliance Industries LtdEquity4.97 Cr0.36%
Oil & Natural Gas Corp LtdEquity4.92 Cr0.35%
0% GOI - 15122024 STRIPSBond - Gov't/Treasury4.91 Cr0.35%
CIE Automotive India LtdEquity4.9 Cr0.35%
SJS Enterprises LtdEquity4.88 Cr0.35%
LIC Housing Finance LtdBond - Corporate Bond4.85 Cr0.35%
Goi 16.06.2025 GovBond - Gov't/Treasury4.73 Cr0.34%
Goi 15.12.2025 GovBond - Gov't/Treasury4.58 Cr0.33%
Cummins India LtdEquity4.54 Cr0.33%
Goi Strips - Mat 190326Bond - Gov't/Treasury4.49 Cr0.32%
SBI - Corporate Debt Market Development Fund - A2 UnitsMutual Fund - Open End4.36 Cr0.31%
Thermax LtdEquity4.32 Cr0.31%
Vinati Organics LtdEquity4.14 Cr0.30%
08.29 AP Sdl 2026Bond - Gov't/Treasury4.09 Cr0.29%
Timken India LtdEquity4.03 Cr0.29%
Zomato LtdEquity3.9 Cr0.28%
RHI Magnesita India LtdEquity3.77 Cr0.27%
SBFC Finance LtdEquity3.69 Cr0.27%
0% Govt Stock 2029Bond - Gov't/Treasury3.65 Cr0.26%
India (Republic of) 0%Bond - Gov't/Treasury2.86 Cr0.21%
Westlife Foodworld LtdEquity2.8 Cr0.20%
Cholamandalam Investment And Finance Company LimitedBond - Corporate Bond2.48 Cr0.18%
08.21 HR UDAY 2026Bond - Gov't Agency Debt2.44 Cr0.18%
Cipla LtdEquity1.72 Cr0.12%
Birlasoft LtdEquity1.44 Cr0.10%
Container Corporation of India LtdEquity1.21 Cr0.09%
8.17% Govt Stock 2044Bond - Gov't/Treasury1.13 Cr0.08%
LIC Housing Finance LimitedBond - Corporate Bond1.01 Cr0.07%
0% Goi - 19mar29 StripsBond - Gov't/Treasury0.97 Cr0.07%
National Bank For Agriculture And Rural DevelopmentBond - Corporate Bond0.91 Cr0.07%
08.83 Up SDL 2026Bond - Gov't/Treasury0.31 Cr0.02%
7.54% Govt Stock 2036Bond - Gov't/Treasury0.06 Cr0.00%
08.46 GJ Sdl 2026Bond - Gov't/Treasury0.05 Cr0.00%
08.08 TS UDAY 2031Bond - Gov't Agency Debt0.03 Cr0.00%
08.04 TS UDAY 2030Bond - Gov't Agency Debt0.03 Cr0.00%
08.27 TS UDAY 28MARBond - Gov't Agency Debt0.03 Cr0.00%
08.07 TS UDAY 2029Bond - Gov't Agency Debt0.03 Cr0.00%
07.95 TS UDAY 2032Bond - Gov't Agency Debt0.03 Cr0.00%
7.27% Govt Stock 2026Bond - Gov't/Treasury0.01 Cr0.00%
Ntpc LimitedBond - Corporate Bond0 Cr0.00%

Allocation By Credit Quality (Debt)

AAA

AA

Other Allocation

Equity Sector

Debt & Others

SectorAmount sortHoldings sort
Financial Services76.52 Cr5.50%
Industrials58.79 Cr4.23%
Consumer Cyclical39.13 Cr2.81%
Technology33.21 Cr2.39%
Healthcare28.09 Cr2.02%
Basic Materials22.85 Cr1.64%
Communication Services13.25 Cr0.95%
Energy9.89 Cr0.71%
Real Estate7.85 Cr0.56%
Consumer Defensive5.76 Cr0.41%

Risk & Performance Ratios

Standard Deviation

This fund

3.46%

Cat. avg.

4.23%

Lower the better

Sharpe Ratio

This fund

0.74

Cat. avg.

0.64

Higher the better

Sortino Ratio

This fund

--

Cat. avg.

1.37

Higher the better

Fund Managers

DS

Dhaval Shah

Since May 2020

HS

Harshil Suvarnkar

Since March 2021

Dhaval Joshi

Dhaval Joshi

Since November 2022

Additional Scheme Detailsas of 15th August 2024

ISIN
INF209K01751
Expense Ratio
1.92%
Exit Load
1.00%
Fund Size
₹1,391 Cr
Age
22 May 2004
Lumpsum Minimum
₹1,000
Fund Status
Open Ended Investment Company
Benchmark
CRISIL Hybrid 85+15 - ConservativeTR INR

Investment ObjectiveInvestment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

Capital Gains Taxation:

  • If units are sold after 1 year from the date of investment: Gains up to INR 1.25 lakh in a financial year are exempt from tax. Any gains exceeding INR 1.25 lakh are taxed at a rate of 12.5%.
  • If units are sold within 1 year from the date of investment: The entire amount of gain is taxed at a rate of 20%.
  • Holding the units: No tax is applicable as long as you continue to hold the units.

Dividend Taxation:

Dividends are added to the investor’s income and taxed according to their respective tax slabs. Additionally, if an investors dividend income exceeds INR 5,000 in a financial year, the fund house deducts a 10% Tax Deducted at Source (TDS) before distributing the dividend.

Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

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Fund nameExpense RatioExit LoadFund size
1Y
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Moderately High risk

2.0%0.0%₹116.26 Cr13.3%
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Moderate Risk

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Parag Parikh Conservative Hybrid Fund Direct Growth

Moderately High risk

0.3%1.0%₹2148.47 Cr17.1%
Parag Parikh Conservative Hybrid Fund Regular Growth

Moderately High risk

0.6%1.0%₹2148.47 Cr16.8%
UTI Regular Savings Fund Regular Growth

Moderately High risk

1.8%1.0%₹1637.97 Cr16.1%
ICICI Prudential Regular Savings Fund Regular Growth

High Risk

1.7%1.0%₹3357.10 Cr15.3%
Nippon India Hybrid Bond Fund Regular Growth

High Risk

1.9%1.0%₹825.74 Cr9.8%
SBI Conservative Hybrid Fund Regular Growth

High Risk

1.1%1.0%₹10006.83 Cr14.3%
Canara Robeco Conservative Hybrid Fund Regular Growth

Moderately High risk

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Moderately High risk

1.2%0.0%₹176.94 Cr15.4%

About the AMC

Total AUM

₹3,85,953 Cr

Address

One World Centre, Tower 1, 17th Floor, Mumbai, 400 013

Other Funds by Aditya Birla SL Mutual Fund

Fund nameExpense RatioExit LoadFund size
1Y
Aditya Birla Sun Life Fixed Maturity Plan-Series US (100 days) Direct Growth

Moderate Risk

-0.0%--
Aditya Birla Sun Life Fixed Maturity Plan-Series UR (85 days) Direct Growth

Low to Moderate Risk

-0.0%--
Aditya Birla Sun Life Crisil IBX Gilt April 2033 Index Fund Direct Growth

Moderate Risk

0.2%0.0%₹84.44 Cr-
Aditya Birla Sun Life Fixed Maturity Plan-Series UQ (92 days) Direct Growth

Moderate Risk

-0.0%--
Aditya Birla Sun Life Transportation and Logistics Fund Direct Growth

Very High Risk

0.5%1.0%₹1612.99 Cr-
Aditya Birla Sun Life US Treasury 1-3 year Bond ETFs Fund of Funds Direct Growth

Very High Risk

0.3%0.0%₹83.80 Cr-
Aditya Birla Sun Life US Treasury 3-10 Year Bond ETFs Fund of Funds Direct Growth

Very High Risk

0.3%0.0%₹247.10 Cr-
Aditya Birla Sun Life Fixed Term Plan - Series SY (1259 days) Direct Growth

Low to Moderate Risk

----
Aditya Birla Sun Life Fixed Term Plan Series SP Direct Growth

Low to Moderate Risk

-0.0%--
Aditya Birla Sun Life Fixed Term Plan - Series TV (1169 Days) Direct Growth

Moderate Risk

-0.0%--
Aditya BSL Fixed Term Plan Series SC(1170 days) Direct Growth

Low to Moderate Risk

-0.0%--
Aditya BSL Fixed Term Plan Series SM Direct Growth

Low to Moderate Risk

-0.0%--
Aditya Birla Sun Life Fixed Term Plan Series TN Direct Growth

Low to Moderate Risk

----
Aditya Birla Sun Life Fixed Term Plan - Series TL (1839 days) Direct Growth

Moderate Risk

-0.0%--
Aditya BSL Fixed Term Plan Series RM (91 days) Direct Growth

Low to Moderate Risk

-0.0%--
Aditya BSL Fixed Term Plan Series SE(1163 days) Direct Growth

Low to Moderate Risk

-0.0%--
Aditya Birla Sun Life Fixed Term Plan - Series TM (1842 days) Direct Growth

Moderate Risk

----
Aditya Birla Sun Life Fixed Term Plan - Series TP (1923 Days) Direct Growth

Moderate Risk

-0.0%--
Aditya Birla Sun Life Fixed Term Plan - Series TK (1833 days) Direct Growth

Moderate Risk

-0.0%--
Aditya BSL Fixed Term Plan Series RG(1283 days) Direct Growth

Low to Moderate Risk

-0.0%--
Aditya BSL Fixed Term Plan Series SD(1168 days) Direct Growth

Low to Moderate Risk

-0.0%--
Aditya Birla Sun Life Fixed Term Plan Series TO (1214 days) Direct Growth

Moderate Risk

-0.0%--
Aditya Birla Sun Life Fixed Term Plan - Series TE (1095 days) Direct Growth

Moderate Risk

-0.0%--
Aditya Birla Sun Life Fixed Term Plan - Series TF (1098 days) Direct Growth

Moderate Risk

-0.0%--
Aditya BSL Fixed Term Plan SeriesSH (1146 days) Direct Growth

Low to Moderate Risk

-0.0%--
Aditya Birla Sun Life Interval Income Fund Quarterly Series I Direct Growth

Low to Moderate Risk

-0.0%₹52.15 Cr7.5%
Aditya BSL Fixed Term Plan Series RZ(1187 days) Direct Growth

Low to Moderate Risk

-0.0%--
Aditya BSL Fixed Term Plan Series SB(1174 days) Direct Growth

Low to Moderate Risk

-0.0%--
Aditya Birla Sun Life Fixed Term Plan Series TC (1119 days) Direct Growth

Moderate Risk

-0.0%--
Aditya Birla Sun Life Fixed Term Plan Series UB (1224 Days) Direct Growth

Low to Moderate Risk

-0.0%-7.9%
Aditya Birla Sun Life Fixed Term Plan - Series TJ (1838 days) Direct Growth

Low to Moderate Risk

-0.0%₹24.42 Cr8.2%
Aditya Birla Sun Life Fixed Term Plan Series TI (1837 days) Direct Growth

Low to Moderate Risk

-0.0%₹297.05 Cr8.2%
Aditya Birla Sun Life Fixed Term Plan - Series TG (1099 days) Direct Growth

Moderate Risk

-0.0%--
Aditya Birla Sun Life Fixed Term Plan Series TW (167 days) Direct Growth

Low to Moderate Risk

-0.0%--
Aditya Birla Sun Life Fixed Term Plan Series UC (95 days) Direct Growth

Low to Moderate Risk

----
Aditya Birla Sun Life Fixed Term Plan Series UF (180 days) Direct Growth

Low to Moderate Risk

-0.0%--
Aditya BSL Fixed Term Plan Series RT (1223 days) Direct Growth

Low to Moderate Risk

-0.0%--
Aditya Birla Sun Life Fixed Term Plan Series SX Direct Growth

Low to Moderate Risk

-0.0%--
Aditya Birla Sun Life Fixed Term Plan - Series TD (1100 days) Direct Growth

Moderate Risk

-0.0%--
Aditya BSL Fixed Term Plan Series TQ (1879 days) Direct Growth

Low to Moderate Risk

-0.0%₹206.39 Cr8.4%
Aditya Birla Sun Life Fixed Term Plan Series TH (1098 days) Direct Growth

Moderate Risk

-0.0%--
Aditya BSL Fixed Term Plan Series RS (1232 days) Direct Growth

Low to Moderate Risk

-0.0%--
Aditya Birla Sun Life Fixed Term Plan Series TU (1789 days) Direct Growth

Moderate Risk

-0.0%--
Aditya Birla Sun Life Fixed Term Plan Series UD (79 days) Direct Growth

Low to Moderate Risk

----
Aditya Birla Sun Life Fixed Term Plan - Series UJ (1110 days) Direct Growth

Low to Moderate Risk

-0.0%-8.0%
Aditya Birla Sun Life Fixed Term Plan - Series UA (1231 days) Direct Growth

Moderate Risk

-0.0%--
Aditya Birla Sun Life Fixed Term Plan Series SW Direct Growth

Low to Moderate Risk

----
Aditya BSL Fixed Term Plan Series QZ(1100 days) Direct Growth

Low to Moderate Risk

-0.0%--
Aditya Birla Sun Life Fixed Term Plan Series UE (1275 days) Direct Growth

Moderate Risk

-0.0%--
Aditya Birla Sun Life Fixed Term Plan Series TB (1125 days) Direct Growth

Moderate Risk

-0.0%--

Risk Level

Your principal amount will be at Moderately High risk

Moderately High risk
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The NAV of Aditya Birla Sun Life Regular Savings Fund Regular Growth, as of 05-Sep-2024, is ₹62.82.
The fund has generated 12.20% over the last 1 year and 8.42% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
The fund's allocation of assets is distributed as 22.67% in equities, 72.90% in bonds, and 4.12% in cash and cash equivalents.
The fund managers responsible for Aditya Birla Sun Life Regular Savings Fund Regular Growth are:-
  1. Dhaval Shah
  2. Harshil Suvarnkar
  3. Dhaval Joshi