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Blog

Aditya Birla Sun Life Savings Direct Growth

Debt
Ultra Short Duration
Moderate Risk
7.49%
3Y annualised
+0.02% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 23 May 2025₹554.44
Min. SIP amount₹1,000
Rating2
Fund size₹17,263.43Cr

Return calculator

Monthly SIP
One-Time
₹5,000 per month
Over the past
Total investment of ₹0
Would have become ₹ (%)

Returns and rankings

Category: Debt Ultra Short Duration
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns8.3%7.5%6.4%7.8%
Category average7.3%6.7%5.5%NA
Rank with in category124NA
Understand terms

Holdings (119)

NameSectorInstrumentAssets
Bank Of Baroda
FinancialCD4.79%
Shriram Finance Ltd
FinancialDebenture3.54%
Reliance Jio Infocomm Ltd.
CommunicationCP3.42%
Nirma Ltd.
Consumer StaplesDebenture2.83%
Reserve Bank of India
FinancialT-Bills2.75%
Small Industries Devp. Bank of India Ltd.
FinancialCD2.46%
ONGC Petro Additions Ltd.
EnergyCP2.29%
Reserve Bank of India
FinancialT-Bills1.99%
Canara Bank
FinancialCD1.95%
National Bank For Agriculture & Rural Development
FinancialDebenture1.83%
Mankind Pharma Ltd.
HealthcareDebenture1.78%
National Bank For Agriculture & Rural Development
FinancialBonds1.76%
Avanse Financial Services Ltd.
FinancialDebenture1.75%
Mindspace Business Parks REIT
ConstructionCP1.70%
Axis Bank Ltd.
FinancialCD1.64%
Bharti Telecom Ltd.
CommunicationDebenture1.57%
ICICI Home Finance Company Ltd.
FinancialDebenture1.56%
Bajaj Housing Finance Ltd.
FinancialNCD1.46%
SK Finance Ltd.
FinancialDebenture1.44%
Godrej Industries Ltd.
Consumer StaplesNCD1.41%
Canara Bank
FinancialCD1.39%
Muthoot Finance Ltd.
FinancialDebenture1.38%
Indusind Bank Ltd.
FinancialCD1.38%
Hinduja Leyland Finance Ltd.
FinancialNCD1.37%
Small Industries Devp. Bank of India Ltd.
FinancialNCD1.31%
National Bank For Agriculture & Rural Development
FinancialCD1.23%
National Bank For Agriculture & Rural Development
FinancialBonds1.18%
JSW Steel Ltd.
Metals & MiningDebenture1.17%
JSW Energy Ltd.
Capital GoodsDebenture1.16%
Muthoot Finance Ltd.
FinancialDebenture1.14%
ONGC Petro Additions Ltd.
EnergyCP1.12%
Reserve Bank of India
FinancialT-Bills1.12%
Punjab National Bank
FinancialCD1.11%
Bank of India
FinancialCD1.11%
Tata Projects Ltd.
ConstructionCP1.11%
Axis Bank Ltd.
FinancialCD1.11%
Tata Housing Devp. Co. Ltd
ConstructionDebenture1.10%
Export-Import Bank Of India
FinancialCP1.10%
Small Industries Devp. Bank of India Ltd.
FinancialDebenture0.96%
National Bank For Agriculture & Rural Development
FinancialBonds0.88%
Shriram Finance Ltd
FinancialDebenture0.88%
GIC Housing Finance Ltd.
FinancialDebenture0.88%
360 ONE Wealth Ltd.
FinancialNCD0.87%
GIC Housing Finance Ltd.
FinancialCP0.86%
Union Bank of India
FinancialCD0.83%
GOI
SovereignGOI Sec0.81%
Godrej Industries Ltd.
Consumer StaplesDebenture0.76%
Can Fin Homes Ltd.
FinancialDebenture0.73%
Hinduja Housing FInance Ltd.
FinancialDebenture0.73%
Mankind Pharma Ltd.
HealthcareDebenture0.73%
JM Financial Products Ltd.
FinancialDebenture0.73%
Bharti Telecom Ltd.
CommunicationDebenture0.71%
Godrej Properties Ltd.
ConstructionDebenture0.65%
Gujarat State
ConstructionSDL0.64%
Fullerton India Home Finance Ltd.
FinancialNCD0.59%
Tata Teleservices (Maharashtra) Ltd.
CommunicationCP0.59%
Sundaram Home Finance Ltd.
FinancialDebenture0.58%
GIC Housing Finance Ltd.
FinancialDebenture0.58%
Arka Fincap Ltd.
FinancialDebenture0.58%
Tata Realty and Infrastructure Ltd.
ConstructionDebenture0.58%
Tamilnadu State
OthersSDL0.58%
Indusind Bank Ltd.
FinancialCD0.56%
Union Bank of India
FinancialCD0.56%
Canara Bank
FinancialCD0.56%
Canara Bank
FinancialCD0.55%
Export-Import Bank Of India
FinancialCD0.55%
CTBC Bank Ltd.
FinancialCD0.55%
Indusind Bank Ltd.
FinancialCD0.55%
Axis Bank Ltd.
FinancialCD0.51%
Bharti Telecom Ltd.
CommunicationDebenture0.44%
Bharti Telecom Ltd.
CommunicationDebenture0.44%
Hero Housing Finance Ltd.
FinancialDebenture0.43%
HDFC Bank Ltd.
FinancialCD0.43%
Canara Bank
FinancialCD0.42%
Export-Import Bank Of India
FinancialCD0.41%
REC Ltd.
FinancialNCD0.40%
Nuvama Wealth Finance Ltd.
FinancialDebenture0.38%
REC Ltd.
FinancialBonds0.29%
Aditya Birla Housing Finance Ltd.
FinancialNCD0.29%
LIC Housing Finance Ltd.
FinancialNCD0.29%
Godrej Properties Ltd.
ConstructionNCD0.29%
Reliance Life Sciences Pvt Ltd.
HealthcareDebenture0.29%
Small Industries Devp. Bank of India Ltd.
FinancialDebenture0.29%
Bharti Telecom Ltd.
CommunicationDebenture0.29%
JM Financial Credit Solutions Ltd.
FinancialDebenture0.29%
Vedanta Ltd.
Metals & MiningDebenture0.29%
Can Fin Homes Ltd.
FinancialNCD0.29%
Torrent Power Ltd.
EnergyNCD0.29%
REC Ltd.
FinancialNCD0.29%
Axis Bank Ltd.
FinancialCD0.28%
ICICI Bank Ltd.
FinancialCD0.28%
Nuvama Clearing Services Ltd.
FinancialCP0.27%
Small Industries Devp. Bank of India Ltd.
FinancialDebenture0.15%
Torrent Power Ltd.
EnergyDebenture0.15%
GOI
SovereignGOI Sec0.15%
Small Industries Devp. Bank of India Ltd.
FinancialNCD0.15%
Shriram Finance Ltd
FinancialBonds0.15%
Reliance Life Sciences Pvt Ltd.
HealthcareDebenture0.15%
Tata Projects Ltd.
ConstructionNCD0.15%
Sikka Ports and Terminals Ltd.
EnergyDebenture0.14%
Aditya Birla Finance Ltd.
FinancialDebenture0.14%
Axis Bank Ltd.
FinancialCD0.14%
Bank Of Baroda
FinancialCD0.14%
Axis Bank Ltd.
FinancialCD0.14%
LIC Housing Finance Ltd.
FinancialDebenture0.10%
Godrej Industries Ltd.
Consumer StaplesDebenture0.09%
Pipeline Infrastructure (India) Pvt. Ltd.
ConstructionDebenture0.09%
REC Ltd.
FinancialNCD0.09%
Barclays Investments & Loans Ltd.
FinancialCP0.09%
Torrent Power Ltd.
EnergyDebenture0.06%
Torrent Power Ltd.
EnergyNCD0.06%
GOI
SovereignCGL0.06%
National Bank For Agriculture & Rural Development
FinancialDebenture0.06%
Maharashtra State
OthersSDL0.03%
Tamilnadu State
OthersSDL0.03%
Maharashtra State
OthersSDL0.03%
Muthoot Finance Ltd.
FinancialDebenture0.03%
Small Industries Devp. Bank of India Ltd.
FinancialDebenture0.03%
Deutsche Investments (I) Pvt. Ltd.
FinancialCP0.03%
See All

Pros and cons

Category: Debt Ultra Short Duration

Pros

Consistently higher annualised returns than category average for the past 1Y, 3Y, 5Y and 10Y
Higher alpha: 2.77 The fund has generated returns higher than benchmark - NIFTY Ultra Short Duration Debt Index A-I - in the last 3Y
Exit load is zero
Lower expense ratio: 0.33%
Average credit rating of the fund's holdings: AAA This fund has holdings of the highest quality
Consistently top ranked fund

Cons

Low rating: 2

Expense ratio, exit load and tax

Expense ratio: 0.33%

Inclusive of GST

Exit load

Nil

Stamp duty

0.005% (from July 1st, 2020)

Tax implication

Returns are taxed as per your Income Tax slab.

Understand terms
Check past data

Minimum investment amounts

Min. for 1st investment₹1,000
Min. for 2nd investment onwards₹1,000
Min. for SIP₹1,000

Fund management

Sunaina da Cunha
Jun 2014 - Present
View details

Kaustubh Gupta
Jan 2013 - Present
View details

Monika Gandhi
Mar 2021 - Present
View details

Education
Ms. Gandhi is CA, CAIIB and B.Com.(Hons)
Experience
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.
Also manages these schemes
Aditya Birla Sun Life Savings Direct Growth

Fund house & investment objective

Fund house contact details

Address
One World Center, Tower 1, 17th Floor, Jupiter Mill CompoundSenapati Bapat Marg, Elphinstone Road Mumbai 400013
Phone
NA
Launch Date
23 Dec 1994
E-mail
NA
Website
mutualfund.adityabirlacapital.com
Aditya Birla Sun Life Mutual Fund
Asset Management Company
Custodian
Citibank NA
Registrar & Transfer Agent
Cams
Address
7th Floor, Tower II, Rayala Towers, 158, Anna Salai,
Email
[email protected]
Website
www.camsonline.com

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Aditya Birla Sun Life Savings Direct Growth
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