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Aditya Birla Sun Life Savings Fund Direct Growth
DebtUltra Short DurationModerate Risk
Direct
NAV (21-Nov-24)
₹531.660.03%1D
Returns (Since Inception)
7.74%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹15,990 Cr
Expense Ratio
0.35%
ISIN
INF209K01UR9
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
01 Jan 2013
About this fund
Aditya Birla Sun Life Savings Fund Direct Growth is a Ultra Short Duration mutual fund schemes offered by Aditya Birla SL Mutual Fund. This fund has been in existence for 11 years, 10 months and 21 days, having been launched on 01-Jan-13.
As of 21-Nov-24, it has a Net Asset Value (NAV) of ₹531.66, Assets Under Management (AUM) of 15990.20 Crores, and an expense ratio of 0.35%.
As of 21-Nov-24, it has a Net Asset Value (NAV) of ₹531.66, Assets Under Management (AUM) of 15990.20 Crores, and an expense ratio of 0.35%.
- Aditya Birla Sun Life Savings Fund Direct Growth has given a CAGR return of 7.74% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 57.93% in debts, and 41.81% in cash & cash equivalents.
- You can start investing in Aditya Birla Sun Life Savings Fund Direct 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
+7.95%
+6.45% (Cat Avg.)
3 Years
+6.64%
+5.73% (Cat Avg.)
5 Years
+6.27%
+5.17% (Cat Avg.)
10 Years
+7.36%
+5.49% (Cat Avg.)
Since Inception
+7.74%
— (Cat Avg.)
Portfolio Summaryas of 31st October 2024
| Debt | ₹9,263.87 Cr | 57.93% |
| Others | ₹6,726.33 Cr | 42.07% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| National Housing Bank 7.83% | Bond - Corporate Bond | ₹820.89 Cr | 5.44% |
| Shriram Finance Company Limited | Bond - Corporate Bond | ₹601.24 Cr | 3.98% |
| Reverse Repo | Cash - Repurchase Agreement | ₹544.53 Cr | 3.61% |
| Nirma Limited | Bond - Corporate Bond | ₹500.61 Cr | 3.32% |
| Dbs Bank Ltd/India (07/03/2025) ** # | Cash | ₹487.59 Cr | 3.23% |
| Mankind Pharma Ltd (16/01/2025) ** | Cash | ₹438.19 Cr | 2.90% |
| National Housing Bank | Bond - Corporate Bond | ₹400.37 Cr | 2.65% |
| Tata Realty And Infrastructure Limited | Bond - Corporate Bond | ₹360.22 Cr | 2.39% |
| Net Receivables / (Payables) | Cash | ₹350.6 Cr | 2.32% |
| Rural Electrification Corporation Limited | Bond - Corporate Bond | ₹325.57 Cr | 2.16% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹325.06 Cr | 2.15% |
| 7.3% Govt Stock 2028 | Bond - Gov't/Treasury | ₹316.99 Cr | 2.10% |
| Tata Realty & Infrastructure Limited (12/12/2024) ** | Cash | ₹307.45 Cr | 2.04% |
| Bajaj Housing Finance Ltd. 8% | Bond - Corporate Bond | ₹300.78 Cr | 1.99% |
| Avanse Financial Services Ltd 9.40% | Bond - Corporate Bond | ₹299.04 Cr | 1.98% |
| Nirma Limited 8.3% | Bond - Corporate Bond | ₹250.15 Cr | 1.66% |
| Cholamandalam Investment And Finance Company Limited | Bond - Corporate Bond | ₹250.04 Cr | 1.66% |
| 182 DTB 18112024 | Bond - Gov't/Treasury | ₹249.08 Cr | 1.65% |
| Sk Finance Ltd | Bond - Corporate Bond | ₹247.21 Cr | 1.64% |
| Bank Of India (03/03/2025) ** # | Cash | ₹244 Cr | 1.62% |
| The Federal Bank Limited (12/03/2025) ** # | Cash | ₹243.56 Cr | 1.61% |
| Tata Realty & Infrastructure Limited (17/03/2025) ** | Cash | ₹243.17 Cr | 1.61% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹221.82 Cr | 1.47% |
| 182 DTB 23012025 | Bond - Gov't/Treasury | ₹216.8 Cr | 1.44% |
| Canara Bank (16/01/2025) ** # | Cash | ₹211.84 Cr | 1.40% |
| Tata Housing Development Company Limited 8.2175% | Bond - Corporate Bond | ₹200.45 Cr | 1.33% |
| Small Industries Development Bank Of India (28/02/2025) ** | Cash | ₹195.37 Cr | 1.29% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹175.3 Cr | 1.16% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹174.39 Cr | 1.16% |
| Axis Bank Limited (28/02/2025) ** # | Cash | ₹170.97 Cr | 1.13% |
| Clearing Corporation Of India Limited | Cash - Repurchase Agreement | ₹152.22 Cr | 1.01% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹150.06 Cr | 0.99% |
| 05.88 GJ Sdl 2025 | Bond - Gov't/Treasury | ₹149.52 Cr | 0.99% |
| Tata Teleservices Maharashtra Limited (20/11/2024) ** | Cash | ₹149.43 Cr | 0.99% |
| Indusind Bank Limited (27/12/2024) ** # | Cash | ₹148.37 Cr | 0.98% |
| 182 DTB 27022025 | Bond - Gov't/Treasury | ₹146.89 Cr | 0.97% |
| Bank Of Baroda (20/02/2025) # | Cash | ₹146.77 Cr | 0.97% |
| Indusind Bank Limited (18/03/2025) ** # | Cash | ₹145.94 Cr | 0.97% |
| Mankind Pharma Ltd | Bond - Corporate Bond | ₹125.57 Cr | 0.83% |
| Mankind Pharma Ltd | Bond - Corporate Bond | ₹125.41 Cr | 0.83% |
| Hinduja Housing Finance Limited 8.85% | Bond - Corporate Bond | ₹125.2 Cr | 0.83% |
| JM Financial Products Limited | Bond - Corporate Bond | ₹124.8 Cr | 0.83% |
| Mindspace Business Parks Reit | Bond - Corporate Bond | ₹124.72 Cr | 0.83% |
| Cholamandalam Investment And Finance Company Limited | Bond - Corporate Bond | ₹124.51 Cr | 0.82% |
| ICICI Bank Ltd. | Bond - Corporate Bond | ₹121.7 Cr | 0.81% |
| Union Bank Of India (18/03/2025) ** # | Cash | ₹121.66 Cr | 0.81% |
| 364 DTB 02052024 | Bond - Gov't/Treasury | ₹118.72 Cr | 0.79% |
| Smfg India Home Finance Co. Ltd. | Bond - Corporate Bond | ₹100.67 Cr | 0.67% |
| Sundaram Home Finance Limited | Bond - Corporate Bond | ₹100.31 Cr | 0.66% |
| Tata Realty And Infrastructure Limited | Bond - Corporate Bond | ₹100.2 Cr | 0.66% |
| Arka Fincap Limited | Bond - Corporate Bond | ₹99.92 Cr | 0.66% |
| TATA Motors Finance Limited | Bond - Corporate Bond | ₹99.65 Cr | 0.66% |
| National Bank For Agriculture And Rural Development (17/01/2025) # | Cash | ₹98.51 Cr | 0.65% |
| Au Small Finance Bank Limited (28/01/2025) ** # | Cash | ₹98.23 Cr | 0.65% |
| 182 DTB 13032025 | Bond - Gov't/Treasury | ₹97.68 Cr | 0.65% |
| Au Small Finance Bank Limited (06/03/2025) ** # | Cash | ₹97.46 Cr | 0.65% |
| Utkarsh Small Finance Bank Ltd (07/03/2025) ** # | Cash | ₹97.2 Cr | 0.64% |
| PNb Housing Finance Limited | Bond - Corporate Bond | ₹95.05 Cr | 0.63% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹75.2 Cr | 0.50% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹75.07 Cr | 0.50% |
| Dlf Home Developers Limited 8.5% | Bond - Corporate Bond | ₹75.05 Cr | 0.50% |
| Piramal Capital & Housing Finance Ltd | Bond - Corporate Bond | ₹74.84 Cr | 0.50% |
| Hsbc Investdirect Financial Services India Ltd (13/01/2025) ** | Cash | ₹73.84 Cr | 0.49% |
| Godrej Industries Limited (03/02/2025) ** | Cash | ₹73.62 Cr | 0.49% |
| 9.15% Govt Stock 2024 | Bond - Gov't/Treasury | ₹70.06 Cr | 0.46% |
| Rec Limited | Bond - Corporate Bond | ₹68.71 Cr | 0.46% |
| Shriram Housing Finance Limited | Bond - Corporate Bond | ₹60.9 Cr | 0.40% |
| Godrej Industries Limited | Bond - Corporate Bond | ₹60.14 Cr | 0.40% |
| 08.08 Up SDL 2025feb | Bond - Gov't/Treasury | ₹55.21 Cr | 0.37% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹50.03 Cr | 0.33% |
| Rural Electrification Corporation Limited | Bond - Corporate Bond | ₹50.03 Cr | 0.33% |
| JM Financial Credit Solutions Limited | Bond - Corporate Bond | ₹49.91 Cr | 0.33% |
| 05.77 GJ Sdl 2025 02 Feb | Bond - Gov't/Treasury | ₹49.87 Cr | 0.33% |
| Muthoot Finance Limited | Bond - Corporate Bond | ₹49.72 Cr | 0.33% |
| Can Fin Homes Limited | Bond - Corporate Bond | ₹49.67 Cr | 0.33% |
| Can Fin Homes Limited | Bond - Corporate Bond | ₹49.64 Cr | 0.33% |
| Union Bank Of India (17/01/2025) ** # | Cash | ₹49.25 Cr | 0.33% |
| 364 Day T-Bill 30.01.25 | Bond - Gov't/Treasury | ₹49.21 Cr | 0.33% |
| Kotak Mahindra Bank Limited (29/01/2025) # | Cash | ₹49.14 Cr | 0.33% |
| Rec Limited | Bond - Corporate Bond | ₹49.08 Cr | 0.33% |
| ICICI Bank Ltd. | Bond - Corporate Bond | ₹48.88 Cr | 0.32% |
| Au Small Finance Bank Limited (27/02/2025) ** # | Cash | ₹48.81 Cr | 0.32% |
| Indusind Bank Limited (13/03/2025) ** # | Cash | ₹48.7 Cr | 0.32% |
| Torrent Power Limited | Bond - Corporate Bond | ₹44.73 Cr | 0.30% |
| 0% GOI - 15122024 STRIPS | Bond - Gov't/Treasury | ₹44.63 Cr | 0.30% |
| SBI - Corporate Debt Market Development Fund - A2 Units | Mutual Fund - Open End | ₹39 Cr | 0.26% |
| 08.05 KA Sdl 2025 | Bond - Gov't/Treasury | ₹35.13 Cr | 0.23% |
| 08.05 HR Sdl 2025 | Bond - Gov't/Treasury | ₹35.13 Cr | 0.23% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹29.97 Cr | 0.20% |
| 08.08 MP Sdl 2025 | Bond - Gov't/Treasury | ₹25.08 Cr | 0.17% |
| 08.05 GJ Sdl 2025 | Bond - Gov't/Treasury | ₹25.08 Cr | 0.17% |
| 06.69 MP Sdl 2025 | Bond - Gov't/Treasury | ₹25.01 Cr | 0.17% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹24.98 Cr | 0.17% |
| Sikka Ports & Terminals Limited | Bond - Corporate Bond | ₹24.66 Cr | 0.16% |
| Barclays Invest & Loans India Limited (23/01/2025) ** | Cash | ₹24.57 Cr | 0.16% |
| Small Industries Development Bank Of India (07/02/2025) ** # | Cash | ₹24.52 Cr | 0.16% |
| Gs CG 12/6/2025 - (Strips) Tb | Bond - Gov't/Treasury | ₹24.38 Cr | 0.16% |
| Export Import Bank Of India (10/03/2025) ** | Cash | ₹24.37 Cr | 0.16% |
| Canara Bank (20/03/2025) ** # | Cash | ₹24.32 Cr | 0.16% |
| 0% GOI- 17122024 STRIPS | Bond - Gov't/Treasury | ₹18.92 Cr | 0.13% |
| Pipeline Infrastructure Pvt Ltd. | Bond - Corporate Bond | ₹15.14 Cr | 0.10% |
| Rural Electrification Corporation Limited | Bond - Corporate Bond | ₹15.04 Cr | 0.10% |
| ICICI Home Finance Company Limited | Bond - Corporate Bond | ₹10 Cr | 0.07% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹9.97 Cr | 0.07% |
| Cholamandalam Investment And Finance Company Limited | Bond - Corporate Bond | ₹9.95 Cr | 0.07% |
| 08.24 Tn SDL 2025sep | Bond - Gov't/Treasury | ₹5.06 Cr | 0.03% |
| 08.23 MH Sdl 2025 | Bond - Gov't/Treasury | ₹5.06 Cr | 0.03% |
| 08.16 MH Sdl 2025 | Bond - Gov't/Treasury | ₹5.06 Cr | 0.03% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹4.98 Cr | 0.03% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹4.97 Cr | 0.03% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹3.49 Cr | 0.02% |
| Goi Strips 16122024 | Bond - Gov't/Treasury | ₹0.57 Cr | 0.00% |
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Bond - Corporate Bond | ₹8,155.67 Cr | 54.02% |
| Cash | ₹4,437.46 Cr | 29.39% |
| Bond - Gov't/Treasury | ₹1,769.11 Cr | 11.72% |
| Cash - Repurchase Agreement | ₹696.75 Cr | 4.61% |
| Mutual Fund - Open End | ₹39 Cr | 0.26% |
| Cash - CD/Time Deposit | ₹0 Cr | - |
| Cash - Commercial Paper | ₹0 Cr | - |
| Bond - Gov't Agency Debt | ₹0 Cr | - |
Risk & Performance Ratios
Standard Deviation
This fund
0.51%
Cat. avg.
0.70%
Lower the better
Sharpe Ratio
This fund
1.45
Cat. avg.
-0.63
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
-0.35
Higher the better
Fund Managers
SC
Sunaina Cunha
Since June 2014
KG
Kaustubh Gupta
Since July 2011
Monika Gandhi
Since March 2021
Dhaval Joshi
Since November 2022
Additional Scheme Detailsas of 31st October 2024
ISIN INF209K01UR9 | Expense Ratio 0.35% | Exit Load No Charges | Fund Size ₹15,990 Cr | Age 11 years 10 months | Lumpsum Minimum ₹1,000 | Fund Status Open Ended Investment Company | Benchmark NIFTY Ultra Short Duration Debt TR INR |
Investment 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:
Dividend Taxation:
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.
Similar Ultra Short Duration Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| PGIM India Ultra Short Duration Fund Regular Growth Low to Moderate Risk | 0.9% | 0.0% | ₹242.78 Cr | 6.9% |
| Canara Robeco Ultra Short Term Fund Regular Growth Low to Moderate Risk | 0.9% | 0.0% | ₹627.14 Cr | 6.8% |
| Baroda BNP Paribas Ultra Short Duration Fund Regular Growth Low to Moderate Risk | 0.5% | 0.0% | ₹1304.45 Cr | 7.5% |
| Baroda BNP Paribas Ultra Short Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹1304.45 Cr | 7.6% |
| LIC MF Ultra Short Duration Fund Direct Growth Moderate Risk | 0.3% | 0.0% | ₹246.19 Cr | 7.6% |
| LIC MF Ultra Short Duration Fund Regular Growth Moderate Risk | 0.9% | 0.0% | ₹246.19 Cr | 6.8% |
| UTI Ultra Short Term Fund Regular Growth Moderate Risk | 0.9% | 0.0% | ₹3046.30 Cr | 7.2% |
| Nippon India Ultra Short Duration Fund Regular Growth Moderate Risk | 1.1% | 0.0% | ₹8313.36 Cr | 7.2% |
| Mahindra Manulife Ultra Short Duration Fund Regular Growth Low to Moderate Risk | 0.7% | 0.0% | ₹229.27 Cr | 7.3% |
| Mahindra Manulife Ultra Short Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹229.27 Cr | 7.8% |
About the AMC
Aditya Birla SL Mutual Fund
Total AUM
₹3,93,523 Cr
Address
One World Centre, Tower 1, 17th Floor, Mumbai, 400 013
Other Funds by Aditya Birla SL Mutual Fund
Risk Level
Your principal amount will be at Moderate Risk
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Still got questions?
We're here to help.
What is the current NAV of Aditya Birla Sun Life Savings Fund Direct Growth?
The NAV of Aditya Birla Sun Life Savings Fund Direct Growth, as of 21-Nov-2024, is ₹531.66.
What are the returns of Aditya Birla Sun Life Savings Fund Direct Growth?
The fund has generated 7.95% over the last 1 year and 6.64% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
What is the portfolio composition of Aditya Birla Sun Life Savings Fund Direct Growth?
The fund's allocation of assets is distributed as 0.00% in equities, 57.93% in bonds, and 41.81% in cash and cash equivalents.
Who manages the Aditya Birla Sun Life Savings Fund Direct Growth?
The fund managers responsible for Aditya Birla Sun Life Savings Fund Direct Growth are:-
- Sunaina Cunha
- Kaustubh Gupta
- Monika Gandhi
- Dhaval Joshi
Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
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Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377, a member of BSE with SEBI Stock Broker Registration no. INZ000303136, and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.