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Aditya Birla Sun Life Savings Fund Regular Growth
DebtUltra Short DurationModerate Risk
Regular
NAV (20-Dec-24)
₹526.160.03%1D
Returns (Since Inception)
7.42%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹15,890 Cr
Expense Ratio
0.56%
ISIN
INF209K01LZ1
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
16 Apr 2003
About this fund
Aditya Birla Sun Life Savings Fund Regular Growth is a Ultra Short Duration mutual fund schemes offered by Aditya Birla SL Mutual Fund. This fund has been in existence for 21 years, 8 months and 6 days, having been launched on 16-Apr-03.
As of 20-Dec-24, it has a Net Asset Value (NAV) of ₹526.16, Assets Under Management (AUM) of 15890.50 Crores, and an expense ratio of 0.56%.
As of 20-Dec-24, it has a Net Asset Value (NAV) of ₹526.16, Assets Under Management (AUM) of 15890.50 Crores, and an expense ratio of 0.56%.
- Aditya Birla Sun Life Savings Fund Regular Growth has given a CAGR return of 7.42% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 57.22% in debts, and 42.53% in cash & cash equivalents.
- You can start investing in Aditya Birla Sun Life 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
+7.83%
+6.90% (Cat Avg.)
3 Years
+6.55%
+5.99% (Cat Avg.)
5 Years
+6.12%
+5.28% (Cat Avg.)
10 Years
+7.20%
+5.57% (Cat Avg.)
Since Inception
+7.42%
— (Cat Avg.)
Portfolio Summaryas of 15th December 2024
| Debt | ₹9,093.19 Cr | 57.22% |
| Others | ₹6,797.31 Cr | 42.78% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| National Housing Bank 7.83% | Bond - Corporate Bond | ₹820.13 Cr | 5.16% |
| Shriram Finance Company Limited | Bond - Corporate Bond | ₹602.51 Cr | 3.79% |
| Dbs Bank India Limited | Cash - CD/Time Deposit | ₹492.12 Cr | 3.10% |
| Cd - Union Bank Of India - 02/04/25 | Bond - Corporate Bond | ₹489.26 Cr | 3.08% |
| Nirma Limited | Bond - Corporate Bond | ₹486.97 Cr | 3.06% |
| National Housing Bank | Bond - Corporate Bond | ₹400.11 Cr | 2.52% |
| Export-Import Bank Of India | Cash - Commercial Paper | ₹393.94 Cr | 2.48% |
| Cp Mankind Pharma Ltd | Cash - Commercial Paper | ₹392.51 Cr | 2.47% |
| Tata Realty And Infrastructure Limited | Bond - Corporate Bond | ₹360.17 Cr | 2.27% |
| Rural Electrification Corporation Limited | Bond - Corporate Bond | ₹325.17 Cr | 2.05% |
| 7.3% Govt Stock 2028 | Bond - Gov't/Treasury | ₹316.18 Cr | 1.99% |
| Bajaj Housing Finance Ltd. 8% | Bond - Corporate Bond | ₹300.76 Cr | 1.89% |
| Avanse Financial Services Ltd 9.40% | Bond - Corporate Bond | ₹299.43 Cr | 1.88% |
| ICICI Home Finance Company Limited | Bond - Corporate Bond | ₹269.97 Cr | 1.70% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹265.99 Cr | 1.67% |
| Reverse Repo | Cash - Repurchase Agreement | ₹263.91 Cr | 1.66% |
| Nirma Limited 8.3% | Bond - Corporate Bond | ₹250.1 Cr | 1.57% |
| Sk Finance Ltd | Bond - Corporate Bond | ₹247.18 Cr | 1.56% |
| Bank Of India | Cash - CD/Time Deposit | ₹246.24 Cr | 1.55% |
| The Federal Bank Limited | Cash - CD/Time Deposit | ₹245.82 Cr | 1.55% |
| Tata Realty And Infrastructure Limited | Cash - Commercial Paper | ₹245.46 Cr | 1.54% |
| Hinduja Leyland Finance Limited | Bond - Corporate Bond | ₹232.4 Cr | 1.46% |
| 182 DTB 23012025 | Bond - Gov't/Treasury | ₹218.51 Cr | 1.38% |
| Small Industries Development Bank Of India | Cash - Commercial Paper | ₹197.09 Cr | 1.24% |
| Tata Housing Development Company Limited 8.2175% | Bond - Corporate Bond | ₹190.26 Cr | 1.20% |
| Mankind Pharma Ltd | Bond - Corporate Bond | ₹175.8 Cr | 1.11% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹175.03 Cr | 1.10% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹172.46 Cr | 1.09% |
| Bank Of Baroda | Cash - CD/Time Deposit | ₹169.57 Cr | 1.07% |
| Shriram Finance Limited | Bond - Corporate Bond | ₹150.67 Cr | 0.95% |
| 8.25% Gic Housing Finance Ltd. | Bond - Corporate Bond | ₹149.88 Cr | 0.94% |
| 05.88 GJ Sdl 2025 | Bond - Gov't/Treasury | ₹149.68 Cr | 0.94% |
| 5.22% Govt Stock 2025 | Bond - Gov't/Treasury | ₹148.97 Cr | 0.94% |
| 91 DTB 13022025 | Bond - Gov't/Treasury | ₹148.44 Cr | 0.93% |
| 182 DTB 27022025 | Bond - Gov't/Treasury | ₹148.08 Cr | 0.93% |
| Indusind Bank Ltd. | Cash - CD/Time Deposit | ₹147.29 Cr | 0.93% |
| Mankind Pharma Ltd | Bond - Corporate Bond | ₹125.39 Cr | 0.79% |
| Hinduja Housing Finance Limited 8.85% | Bond - Corporate Bond | ₹125.01 Cr | 0.79% |
| Mindspace Business Parks Reit | Bond - Corporate Bond | ₹124.92 Cr | 0.79% |
| Cholamandalam Investment And Finance Company Limited | Bond - Corporate Bond | ₹124.88 Cr | 0.79% |
| JM Financial Products Limited | Bond - Corporate Bond | ₹124.84 Cr | 0.79% |
| ICICI Bank - 25/02/2025 | Cash - CD/Time Deposit | ₹123.26 Cr | 0.78% |
| ICICI Bank Limited | Cash - CD/Time Deposit | ₹122.8 Cr | 0.77% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹122.76 Cr | 0.77% |
| Bharti Telecom Limited 8.65% | Bond - Corporate Bond | ₹120.66 Cr | 0.76% |
| 364 DTB 02052024 | Bond - Gov't/Treasury | ₹119.66 Cr | 0.75% |
| 07.89 GJ Sdl 2025 | Bond - Gov't/Treasury | ₹110.52 Cr | 0.70% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹104.94 Cr | 0.66% |
| Smfg India Home Finance Co. Ltd. | Bond - Corporate Bond | ₹100.41 Cr | 0.63% |
| Sundaram Home Finance Limited | Bond - Corporate Bond | ₹100.19 Cr | 0.63% |
| Tata Realty And Infrastructure Limited | Bond - Corporate Bond | ₹100.13 Cr | 0.63% |
| Arka Fincap Limited | Bond - Corporate Bond | ₹100 Cr | 0.63% |
| Gic Housing Finance Limited | Bond - Corporate Bond | ₹99.93 Cr | 0.63% |
| LIC Housing Finance Limited | Bond - Corporate Bond | ₹99.93 Cr | 0.63% |
| TATA Motors Finance Limited | Bond - Corporate Bond | ₹99.86 Cr | 0.63% |
| National Bank For Agriculture And Rural Development | Cash - CD/Time Deposit | ₹99.36 Cr | 0.63% |
| Au Small Finance Bank Limited | Cash - CD/Time Deposit | ₹99.11 Cr | 0.62% |
| Bank Of Baroda | Cash - CD/Time Deposit | ₹98.95 Cr | 0.62% |
| 182 DTB 13032025 | Bond - Gov't/Treasury | ₹98.49 Cr | 0.62% |
| Au Small Finance Bank Limited | Cash - CD/Time Deposit | ₹98.38 Cr | 0.62% |
| Utkarsh Small Finance Bank Limited | Cash - CD/Time Deposit | ₹98.21 Cr | 0.62% |
| Tata Teleservices (Maharashtra) Ltd | Cash - Commercial Paper | ₹97.85 Cr | 0.62% |
| PNb Housing Finance Limited | Bond - Corporate Bond | ₹95.06 Cr | 0.60% |
| Indusind Bank Limited | Cash - CD/Time Deposit | ₹93.18 Cr | 0.59% |
| Godrej Industries Limited | Bond - Corporate Bond | ₹90.21 Cr | 0.57% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹75.28 Cr | 0.47% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹75.23 Cr | 0.47% |
| Piramal Capital & Housing Finance Ltd | Bond - Corporate Bond | ₹74.99 Cr | 0.47% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹74.72 Cr | 0.47% |
| Hero Fincorp Limited | Cash - Commercial Paper | ₹74.55 Cr | 0.47% |
| Godrej Industries Limited | Cash - Commercial Paper | ₹74.27 Cr | 0.47% |
| Punjab National Bank | Cash - CD/Time Deposit | ₹74.22 Cr | 0.47% |
| Rec Limited | Bond - Corporate Bond | ₹68.8 Cr | 0.43% |
| Shriram Housing Finance Limited | Bond - Corporate Bond | ₹60.77 Cr | 0.38% |
| Godrej Industries Limited | Bond - Corporate Bond | ₹60.14 Cr | 0.38% |
| 08.08 Up SDL 2025feb | Bond - Gov't/Treasury | ₹55.13 Cr | 0.35% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹50.28 Cr | 0.32% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹50.25 Cr | 0.32% |
| Reliance Life Sciences Private Limited 7.7954% | Bond - Corporate Bond | ₹50.02 Cr | 0.31% |
| Power Finance Corporation Ltd. | Bond - Corporate Bond | ₹50.02 Cr | 0.31% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹49.99 Cr | 0.31% |
| Rural Electrification Corporation Limited | Bond - Corporate Bond | ₹49.98 Cr | 0.31% |
| 05.77 GJ Sdl 2025 02 Feb | Bond - Gov't/Treasury | ₹49.93 Cr | 0.31% |
| JM Financial Credit Solutions Limited | Bond - Corporate Bond | ₹49.93 Cr | 0.31% |
| Muthoot Finance Limited | Bond - Corporate Bond | ₹49.86 Cr | 0.31% |
| Can Fin Homes Limited | Bond - Corporate Bond | ₹49.77 Cr | 0.31% |
| Can Fin Homes Limited | Bond - Corporate Bond | ₹49.75 Cr | 0.31% |
| Canara Bank | Cash - CD/Time Deposit | ₹49.69 Cr | 0.31% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹49.68 Cr | 0.31% |
| 364 Day T-Bill 30.01.25 | Bond - Gov't/Treasury | ₹49.6 Cr | 0.31% |
| Kotak Mahindra Bank Ltd. | Cash - CD/Time Deposit | ₹49.57 Cr | 0.31% |
| AU Small Finance Bank Ltd. | Cash - CD/Time Deposit | ₹49.25 Cr | 0.31% |
| Indusind Bank Limited | Cash - CD/Time Deposit | ₹49.15 Cr | 0.31% |
| Rec Limited | Bond - Corporate Bond | ₹49.12 Cr | 0.31% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹47.09 Cr | 0.30% |
| ICICI Bank Ltd. | Bond - Corporate Bond | ₹46.78 Cr | 0.29% |
| Torrent Power Limited | Bond - Corporate Bond | ₹44.85 Cr | 0.28% |
| 182 D Tbill Mat - 14/02/2025 | Bond - Gov't/Treasury | ₹44.52 Cr | 0.28% |
| SBI - Corporate Debt Market Development Fund - A2 Units | Mutual Fund - Open End | ₹39.18 Cr | 0.25% |
| 08.05 KA Sdl 2025 | Bond - Gov't/Treasury | ₹35.08 Cr | 0.22% |
| 08.05 HR Sdl 2025 | Bond - Gov't/Treasury | ₹35.08 Cr | 0.22% |
| 08.08 MP Sdl 2025 | Bond - Gov't/Treasury | ₹25.04 Cr | 0.16% |
| 08.05 GJ Sdl 2025 | Bond - Gov't/Treasury | ₹25.03 Cr | 0.16% |
| 06.69 MP Sdl 2025 | Bond - Gov't/Treasury | ₹25.01 Cr | 0.16% |
| Godrej Properties Limited | Bond - Corporate Bond | ₹25 Cr | 0.16% |
| Reliance Life Sciences Private Limited 7.7954% | Bond - Corporate Bond | ₹24.99 Cr | 0.16% |
| National Bank For Agriculture And Rural Development | Cash - CD/Time Deposit | ₹24.74 Cr | 0.16% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹24.74 Cr | 0.16% |
| Sikka Ports & Terminals Limited | Bond - Corporate Bond | ₹24.69 Cr | 0.16% |
| ICICI Bank Ltd. | Cash - CD/Time Deposit | ₹24.64 Cr | 0.16% |
| Bharti Telecom Limited | Cash - Commercial Paper | ₹24.63 Cr | 0.15% |
| Export-Import Bank of India | Cash - Commercial Paper | ₹24.59 Cr | 0.15% |
| Gs CG 12/6/2025 - (Strips) Tb | Bond - Gov't/Treasury | ₹24.58 Cr | 0.15% |
| Canara Bank | Cash - CD/Time Deposit | ₹24.54 Cr | 0.15% |
| Aditya Birla Finance Limited | Bond - Corporate Bond | ₹24.4 Cr | 0.15% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹23.54 Cr | 0.15% |
| Cholamandalam Investment & Finance Co. Ltd. | Cash - Commercial Paper | ₹22.22 Cr | 0.14% |
| HDFC Bank Ltd. | Cash - CD/Time Deposit | ₹21.52 Cr | 0.14% |
| 0% GOI- 17122024 STRIPS | Bond - Gov't/Treasury | ₹19.07 Cr | 0.12% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹17.07 Cr | 0.11% |
| Pipeline Infrastructure Pvt Ltd. | Bond - Corporate Bond | ₹15.14 Cr | 0.10% |
| Rural Electrification Corporation Limited | Bond - Corporate Bond | ₹15.01 Cr | 0.09% |
| Net Receivables / (Payables) | Cash - Collateral | ₹-10.83 Cr | 0.07% |
| Cholamandalam Investment And Finance Company Limited | Bond - Corporate Bond | ₹9.97 Cr | 0.06% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹9.97 Cr | 0.06% |
| 08.16 MH Sdl 2025 | Bond - Gov't/Treasury | ₹5.05 Cr | 0.03% |
| 08.23 MH Sdl 2025 | Bond - Gov't/Treasury | ₹5.05 Cr | 0.03% |
| 08.24 Tn SDL 2025sep | Bond - Gov't/Treasury | ₹5.05 Cr | 0.03% |
| Muthoot Finance Limited | Bond - Corporate Bond | ₹5 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 | ₹4.98 Cr | 0.03% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹3.49 Cr | 0.02% |
| Canara Bank | Cash - CD/Time Deposit | ₹1.78 Cr | 0.01% |
| Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited) | Cash - CD/Time Deposit | ₹1.78 Cr | 0.01% |
| 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 | ₹9,243.34 Cr | 58.17% |
| Cash - CD/Time Deposit | ₹2,945.45 Cr | 18.54% |
| Bond - Gov't/Treasury | ₹1,862.33 Cr | 11.72% |
| Cash - Commercial Paper | ₹1,547.12 Cr | 9.74% |
| Cash - Repurchase Agreement | ₹263.91 Cr | 1.66% |
| Mutual Fund - Open End | ₹39.18 Cr | 0.25% |
| Cash - Collateral | ₹-10.83 Cr | 0.07% |
Risk & Performance Ratios
Standard Deviation
This fund
0.49%
Cat. avg.
0.62%
Lower the better
Sharpe Ratio
This fund
0.76
Cat. avg.
-0.50
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
-0.19
Higher the better
Fund Managers
Additional Scheme Detailsas of 15th December 2024
ISIN INF209K01LZ1 | Expense Ratio 0.56% | Exit Load No Charges | Fund Size ₹15,890 Cr | Age 21 years 8 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% | ₹239.50 Cr | 6.9% |
| Canara Robeco Ultra Short Term Fund Regular Growth Low to Moderate Risk | 0.9% | 0.0% | ₹607.97 Cr | 6.8% |
| Baroda BNP Paribas Ultra Short Duration Fund Regular Growth Low to Moderate Risk | 0.5% | 0.0% | ₹1254.72 Cr | 7.5% |
| Baroda BNP Paribas Ultra Short Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹1254.72 Cr | 7.7% |
| LIC MF Ultra Short Duration Fund Direct Growth Moderate Risk | 0.3% | 0.0% | ₹345.69 Cr | 7.6% |
| LIC MF Ultra Short Duration Fund Regular Growth Moderate Risk | 0.9% | 0.0% | ₹345.69 Cr | 6.8% |
| UTI Ultra Short Term Fund Regular Growth Moderate Risk | 0.9% | 0.0% | ₹3038.66 Cr | 7.2% |
| Nippon India Ultra Short Duration Fund Regular Growth Moderate Risk | 1.1% | 0.0% | ₹7783.29 Cr | 7.2% |
| Mahindra Manulife Ultra Short Duration Fund Regular Growth Low to Moderate Risk | 0.7% | 0.0% | ₹220.95 Cr | 7.3% |
| Mahindra Manulife Ultra Short Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹220.95 Cr | 7.8% |
About the AMC
Aditya Birla SL Mutual Fund
Total AUM
₹3,81,402 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 Regular Growth?
The NAV of Aditya Birla Sun Life Savings Fund Regular Growth, as of 20-Dec-2024, is ₹526.16.
What are the returns of Aditya Birla Sun Life Savings Fund Regular Growth?
The fund has generated 7.83% over the last 1 year and 6.55% 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 Regular Growth?
The fund's allocation of assets is distributed as 0.00% in equities, 57.22% in bonds, and 42.53% in cash and cash equivalents.
Who manages the Aditya Birla Sun Life Savings Fund Regular Growth?
The fund managers responsible for Aditya Birla Sun Life Savings Fund Regular Growth are:-
- Sunaina Cunha
- Kaustubh Gupta
- Monika Gandhi
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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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.
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.