Aditya Birla Sun Life Savings Fund Direct Growth

Fund Overview

Fund Size

₹23,785 Cr

Expense Ratio

0.34%

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 13 years and 14 days, having been launched on 01-Jan-13.
As of 14-Jan-26, it has a Net Asset Value (NAV) of ₹577.60, Assets Under Management (AUM) of 23785.34 Crores, and an expense ratio of 0.34%.

Aditya Birla Sun Life Savings Fund Direct Growth has given a CAGR return of 7.72% since inception.
The fund's asset allocation comprises around 0.00% in equities, 51.91% in debts, and 47.86% 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

+7.48%

+6.52% (Cat Avg.)

3 Years

+7.64%

+6.78% (Cat Avg.)

5 Years

+6.41%

+5.73% (Cat Avg.)

10 Years

+7.20%

+5.56% (Cat Avg.)

Since Inception

+7.72%

— (Cat Avg.)

Portfolio Summaryas of 31st December 2025

Debt	₹12,346.62 Cr	51.91%
Others	₹11,438.72 Cr	48.09%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
JSW Energy Limited	Cash - Commercial Paper	₹641.71 Cr	2.72%
Shriram Finance Limited	Bond - Corporate Bond	₹615.11 Cr	2.60%
Indusind Bank Ltd.	Cash - CD/Time Deposit	₹584.08 Cr	2.47%
Tata Teleservices (Maharashtra) Ltd.	Cash - Commercial Paper	₹565.24 Cr	2.39%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹547.06 Cr	2.32%
Nirma Limited	Bond - Corporate Bond	₹485.86 Cr	2.06%
Small Industries Development Bank Of India	Cash - CD/Time Deposit	₹472.91 Cr	2.00%
IDBI Bank Limited (Industrial Development Bank Of India Ltd)	Cash - CD/Time Deposit	₹438.02 Cr	1.85%
HDFC Bank Limited	Cash - CD/Time Deposit	₹406.54 Cr	1.72%
Tata Teleservices Ltd	Cash - Commercial Paper	₹403.55 Cr	1.71%
Bharti Telecom Limited	Bond - Corporate Bond	₹398.61 Cr	1.69%
Reliance Jio Infocomm Ltd.	Cash - Commercial Paper	₹394.76 Cr	1.67%
07.22 GJ Sdl 2028	Bond - Gov't/Treasury	₹375.6 Cr	1.59%
Muthoot Finance Limited	Bond - Corporate Bond	₹352.38 Cr	1.49%
Mankind Pharma Limited	Bond - Corporate Bond	₹347.07 Cr	1.47%
Bank Of Baroda	Cash - CD/Time Deposit	₹344.18 Cr	1.46%
Indusind Bank Ltd.	Cash - CD/Time Deposit	₹340.47 Cr	1.44%
Axis Bank Ltd	Cash - CD/Time Deposit	₹330.23 Cr	1.40%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹303.99 Cr	1.29%
Avanse Financial Services Limited	Bond - Corporate Bond	₹300.81 Cr	1.27%
Power Finance Corporation Limited	Bond - Corporate Bond	₹297.73 Cr	1.26%
Bank of Baroda	Bond - Corporate Bond	₹292.91 Cr	1.24%
ICICI Home Finance Company Limited	Bond - Corporate Bond	₹270.18 Cr	1.14%
Bajaj Housing Finance Limited	Bond - Corporate Bond	₹250.5 Cr	1.06%
SK Finance Limited	Bond - Corporate Bond	₹250.37 Cr	1.06%
India (Republic of)	Bond - Short-term Government Bills	₹247.54 Cr	1.05%
JSW Energy Limited	Cash - Commercial Paper	₹246.37 Cr	1.04%
Small Industries Dev Bank Of India	Cash - Commercial Paper	₹243.45 Cr	1.03%
Poonawalla Fincorp Limited	Cash - Commercial Paper	₹243.32 Cr	1.03%
The Federal Bank Limited	Cash - CD/Time Deposit	₹243.09 Cr	1.03%
Godrej Industries Limited	Bond - Corporate Bond	₹241.79 Cr	1.02%
India (Republic of)	Bond - Short-term Government Bills	₹240.07 Cr	1.02%
Kotak Mahindra Bank Limited (31/08/2026) ** #	Cash - CD/Time Deposit	₹239.73 Cr	1.02%
Muthoot Finance Limited	Bond - Corporate Bond	₹238.87 Cr	1.01%
Hinduja Leyland Finance Limited	Bond - Corporate Bond	₹237.6 Cr	1.01%
Small Industries Development Bank Of India	Cash - CD/Time Deposit	₹220.21 Cr	0.93%
08.54 BR Sdl 2026	Bond - Gov't/Treasury	₹205.63 Cr	0.87%
JSW Energy Limited	Bond - Corporate Bond	₹201.79 Cr	0.85%
JSW Steel Limited	Bond - Corporate Bond	₹200.49 Cr	0.85%
Icici Securities Limited (Earlier Icici Brokerage Services Limited)	Cash - Commercial Paper	₹198 Cr	0.84%
Muthoot Finance Limited	Bond - Corporate Bond	₹197.81 Cr	0.84%
India (Republic of)	Bond - Short-term Government Bills	₹196.57 Cr	0.83%
Bank Of Baroda (25/05/2026) ** #	Cash - CD/Time Deposit	₹195.1 Cr	0.83%
Bank Of India (25/05/2026) ** #	Cash - CD/Time Deposit	₹195.07 Cr	0.83%
Tata Projects Limited	Cash - Commercial Paper	₹190.82 Cr	0.81%
Godrej Properties Limited	Bond - Corporate Bond	₹186.71 Cr	0.79%
India (Republic of)	Bond - Short-term Government Bills	₹183.28 Cr	0.78%
India (Republic of)	Bond - Short-term Government Bills	₹179.23 Cr	0.76%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹177.59 Cr	0.75%
Net Receivables / (Payables)	Cash	₹-171.59 Cr	0.73%
Mindspace Business Parks Reit	Bond - Corporate Bond	₹162.18 Cr	0.69%
07.35 HR Sdl 2026	Bond - Gov't/Treasury	₹151.66 Cr	0.64%
360 One Prime Limited	Bond - Corporate Bond	₹151.1 Cr	0.64%
Piramal Finance Limited	Bond - Corporate Bond	₹151 Cr	0.64%
Gic Housing Finance Limited	Bond - Corporate Bond	₹150.62 Cr	0.64%
Godrej Properties Limited	Bond - Corporate Bond	₹150.29 Cr	0.64%
Mindspace Business Parks Reit	Bond - Corporate Bond	₹150.06 Cr	0.64%
Power Finance Corporation Limited	Bond - Corporate Bond	₹149.83 Cr	0.63%
Rec Limited	Bond - Corporate Bond	₹149.29 Cr	0.63%
Canara Bank	Bond - Gov't Agency Debt	₹148.62 Cr	0.63%
Dbs Bank Ltd/India (27/02/2026) ** #	Cash - CD/Time Deposit	₹148.6 Cr	0.63%
Ongc Petro Additions Limited	Cash - Commercial Paper	₹148.2 Cr	0.63%
Tbill	Bond - Gov't/Treasury	₹146.97 Cr	0.62%
Ongc Petro Additions Limited	Cash - Commercial Paper	₹146.45 Cr	0.62%
Motilal Oswal Financial Services Ltd	Cash - Commercial Paper	₹145.44 Cr	0.62%
Bharti Telecom Limited	Cash - Commercial Paper	₹142.62 Cr	0.60%
Small Industries Development Bank of India	Bond - Corporate Bond	₹142.56 Cr	0.60%
Vedanta Limited	Bond - Corporate Bond	₹136.79 Cr	0.58%
Can Fin Homes Limited	Bond - Corporate Bond	₹126.17 Cr	0.53%
Hinduja Housing Finance Limited	Bond - Corporate Bond	₹125.98 Cr	0.53%
Mankind Pharma Limited	Bond - Corporate Bond	₹125.29 Cr	0.53%
06.04 GJ Sdl 2031	Bond - Gov't/Treasury	₹125.27 Cr	0.53%
Small Industries Development Bank Of India	Bond - Corporate Bond	₹125.05 Cr	0.53%
Godrej Properties Limited	Cash - Commercial Paper	₹124.33 Cr	0.53%
Knowledge Realty TRust	Bond - Corporate Bond	₹122.99 Cr	0.52%
Jtpm Metal TRaders Limited	Bond - Corporate Bond	₹108.83 Cr	0.46%
6.22% Govt Stock 2028	Bond - Gov't/Treasury	₹102.66 Cr	0.43%
Muthoot Finance Limited	Bond - Corporate Bond	₹101.51 Cr	0.43%
Smfg India Home Finance Company Limited	Bond - Corporate Bond	₹100.92 Cr	0.43%
TATA Motors Limited	Bond - Corporate Bond	₹100.66 Cr	0.43%
Gic Housing Finance Limited	Bond - Corporate Bond	₹100.61 Cr	0.43%
Sundaram Home Finance Limited	Bond - Corporate Bond	₹100.6 Cr	0.43%
Arka Fincap Limited	Bond - Corporate Bond	₹100.58 Cr	0.43%
08.28 KA Sdl 2026	Bond - Gov't/Treasury	₹100.52 Cr	0.43%
LIC Housing Finance Ltd	Bond - Corporate Bond	₹100.5 Cr	0.43%
06.18 GJ Sdl 2026 25 Jan	Bond - Gov't/Treasury	₹100.05 Cr	0.42%
Ctbc Bank Limited	Cash - CD/Time Deposit	₹99.49 Cr	0.42%
Godrej Properties Limited	Cash - Commercial Paper	₹99.41 Cr	0.42%
Ongc Petro Additions Limited	Cash - Commercial Paper	₹99.03 Cr	0.42%
Indusind Bank Ltd.	Cash - CD/Time Deposit	₹98.88 Cr	0.42%
Power Finance Corporation Limited	Cash - Commercial Paper	₹98.23 Cr	0.42%
Export-Import Bank Of India	Cash - CD/Time Deposit	₹97.52 Cr	0.41%
Cholamandalam Investment And Finance Company Limited	Cash - Commercial Paper	₹96.95 Cr	0.41%
Standard Chartered Capital Limited	Cash - Commercial Paper	₹96.95 Cr	0.41%
Axis Bank Limited	Cash - CD/Time Deposit	₹96.2 Cr	0.41%
Rural Electrification Corporation Limited	Bond - Corporate Bond	₹87.43 Cr	0.37%
Tata Housing Development Company Limited	Cash - Commercial Paper	₹84.54 Cr	0.36%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹77.23 Cr	0.33%
Jubilant Bevco Limited	Bond - Corporate Bond	₹76.23 Cr	0.32%
Vedanta Limited	Bond - Corporate Bond	₹75.71 Cr	0.32%
Godrej Industries Limited	Bond - Corporate Bond	₹75.34 Cr	0.32%
Hero Housing Finance Limited	Bond - Corporate Bond	₹75.2 Cr	0.32%
LIC Housing Finance Ltd	Bond - Corporate Bond	₹75.1 Cr	0.32%
Rec Limited	Bond - Corporate Bond	₹74.63 Cr	0.32%
Bank of Baroda	Bond - Corporate Bond	₹70.59 Cr	0.30%
Muthoot Finance Ltd.	Cash - Commercial Paper	₹70.12 Cr	0.30%
Nuvama Wealth Finance Limited	Bond - Corporate Bond	₹65.71 Cr	0.28%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹65.04 Cr	0.28%
07.76 MP Sdl 2027	Bond - Gov't/Treasury	₹61.13 Cr	0.26%
SBI - Corporate Debt Market Development Fund - A2 Units	Mutual Fund - Open End	₹55.71 Cr	0.24%
08.84 RJ Sdl 2028	Bond - Gov't/Treasury	₹53.01 Cr	0.22%
RJ Corp Limited	Bond - Corporate Bond	₹52.84 Cr	0.22%
08.18 Tn SDL 2028	Bond - Gov't/Treasury	₹52.42 Cr	0.22%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹50.67 Cr	0.21%
Mankind Pharma Limited	Bond - Corporate Bond	₹50.57 Cr	0.21%
07.37 Tn SDL 2026	Bond - Gov't/Treasury	₹50.57 Cr	0.21%
Aditya Birla Housing Finance Limited	Bond - Corporate Bond	₹50.5 Cr	0.21%
Rec Limited	Bond - Corporate Bond	₹50.5 Cr	0.21%
LIC Housing Finance Ltd	Bond - Corporate Bond	₹50.33 Cr	0.21%
06.48 RJ Sdl 2027	Bond - Gov't/Treasury	₹50.25 Cr	0.21%
Reliance Life Sciences Private Limited	Bond - Corporate Bond	₹50.16 Cr	0.21%
Torrent Power Limited	Bond - Corporate Bond	₹50.11 Cr	0.21%
Rec Limited	Bond - Corporate Bond	₹49.98 Cr	0.21%
LIC Housing Finance Ltd	Bond - Corporate Bond	₹49.92 Cr	0.21%
Rec Limited	Bond - Corporate Bond	₹49.84 Cr	0.21%
Nuvama Clearing Services Ltd	Cash - Commercial Paper	₹49.74 Cr	0.21%
HDFC Bank Limited	Cash - CD/Time Deposit	₹49.56 Cr	0.21%
Union Bank Of India	Cash - CD/Time Deposit	₹49.54 Cr	0.21%
8.57 HR Sdl 2028	Bond - Gov't/Treasury	₹47.19 Cr	0.20%
Bharti Telecom Limited	Bond - Corporate Bond	₹45.85 Cr	0.19%
08.27 Tn SDL 2026	Bond - Gov't/Treasury	₹43.54 Cr	0.18%
Rural Electrification Corporation Limited	Bond - Corporate Bond	₹41.08 Cr	0.17%
Godrej Industries Limited	Bond - Corporate Bond	₹40.6 Cr	0.17%
Cholamandalam Securities Ltd.	Cash - Commercial Paper	₹39.41 Cr	0.17%
Torrent Power Limited	Bond - Corporate Bond	₹35.46 Cr	0.15%
India (Republic of)	Bond - Short-term Government Bills	₹33.66 Cr	0.14%
GSCG 02JAN2026	Bond - Gov't/Treasury	₹30.37 Cr	0.13%
06.45 BR Sdl 2027	Bond - Gov't/Treasury	₹30.12 Cr	0.13%
08.50 GJ Sdl 2028	Bond - Gov't/Treasury	₹26.4 Cr	0.11%
Torrent Power Limited	Bond - Corporate Bond	₹25.29 Cr	0.11%
Rec Limited	Bond - Corporate Bond	₹25.24 Cr	0.11%
Small Industries Development Bank Of India	Bond - Corporate Bond	₹25.11 Cr	0.11%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹25.06 Cr	0.11%
06.90 OIL SPL 2026	Bond - Gov't Agency Debt	₹25.03 Cr	0.11%
Sikka Ports & Terminals Limited	Bond - Corporate Bond	₹24.98 Cr	0.11%
Aditya Birla Capital Limited	Bond - Corporate Bond	₹24.86 Cr	0.11%
India (Republic of) 0%	Bond - Gov't/Treasury	₹24.8 Cr	0.11%
Kotak Mahindra Bank Limited	Cash - CD/Time Deposit	₹24.77 Cr	0.10%
Small Industries Development Bank Of India	Cash - CD/Time Deposit	₹24.72 Cr	0.10%
Axis Bank Limited	Cash - CD/Time Deposit	₹24.31 Cr	0.10%
Axis Bank Limited	Cash - CD/Time Deposit	₹24.26 Cr	0.10%
India (Republic of) 0%	Bond - Gov't/Treasury	₹24.11 Cr	0.10%
Muthoot Finance Limited	Cash - Commercial Paper	₹23.78 Cr	0.10%
Smfg India Credit Company Limited	Cash - Commercial Paper	₹23.72 Cr	0.10%
Muthoot Finance Ltd.	Cash - Commercial Paper	₹23.44 Cr	0.10%
Jubilant Beverages Limited	Bond - Corporate Bond	₹22.48 Cr	0.10%
India (Republic of) 0%	Bond - Gov't/Treasury	₹21.95 Cr	0.09%
India (Republic of) 0%	Bond - Gov't/Treasury	₹21.29 Cr	0.09%
Rural Electrification Corporation Limited	Bond - Corporate Bond	₹20.94 Cr	0.09%
LIC Housing Finance Ltd	Bond - Corporate Bond	₹17.41 Cr	0.07%
Pipeline Infrastructure Limited	Bond - Corporate Bond	₹15.16 Cr	0.06%
06.89 BR Sdl 2026	Bond - Gov't/Treasury	₹15.14 Cr	0.06%
Rec Limited	Bond - Corporate Bond	₹15.06 Cr	0.06%
Axis Bank Limited	Cash - CD/Time Deposit	₹14.98 Cr	0.06%
Cash Offsets For Shorts & Derivatives	Cash - General Offset	₹13.84 Cr	0.06%
08.53 RJ Sdl 2028	Bond - Gov't/Treasury	₹10.52 Cr	0.04%
08.44 RJ Sdl 2028jun	Bond - Gov't/Treasury	₹10.48 Cr	0.04%
08.44 RJ Sdl 2028	Bond - Gov't/Treasury	₹10.43 Cr	0.04%
08.13 RJ Sdl 2028	Bond - Gov't/Treasury	₹10.37 Cr	0.04%
06.97 MH Sdl 2028	Bond - Gov't/Treasury	₹10.14 Cr	0.04%
07.29 BR Sdl 2026	Bond - Gov't/Treasury	₹10.14 Cr	0.04%
Pnb Housing Finance Limited	Bond - Corporate Bond	₹10.07 Cr	0.04%
Torrent Power Limited	Bond - Corporate Bond	₹10.02 Cr	0.04%
08.11 CG Sdl 2028	Bond - Gov't/Treasury	₹5.17 Cr	0.02%
07.28 HR Sdl 2026	Bond - Gov't/Treasury	₹5.07 Cr	0.02%
06.89 NL Sdl 2026	Bond - Gov't/Treasury	₹5.05 Cr	0.02%
06.62 CG Sdl 2028	Bond - Gov't/Treasury	₹5.03 Cr	0.02%
06.55 AP Sdl 2028	Bond - Gov't/Treasury	₹5.03 Cr	0.02%
Interest Rate Swaps Pay Fixed And Receive Floating (05/04/2027)	Interest Rate Swap	₹-0.81 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (22/01/2027)	Interest Rate Swap	₹-0.81 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (22/01/2027)	Interest Rate Swap	₹-0.81 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (22/02/2027)	Interest Rate Swap	₹-0.72 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (22/02/2027)	Interest Rate Swap	₹-0.72 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (25/02/2027)	Interest Rate Swap	₹-0.68 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (26/02/2027)	Interest Rate Swap	₹-0.68 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (26/02/2027)	Interest Rate Swap	₹-0.68 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (26/02/2027)	Interest Rate Swap	₹-0.68 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (03/03/2027)	Interest Rate Swap	₹-0.65 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (03/03/2027)	Interest Rate Swap	₹-0.65 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (03/12/2026)	Interest Rate Swap	₹-0.59 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (03/12/2026)	Interest Rate Swap	₹-0.59 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (17/03/2027)	Interest Rate Swap	₹-0.57 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (17/03/2027)	Interest Rate Swap	₹-0.57 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (12/04/2027)	Interest Rate Swap	₹-0.51 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (05/04/2027)	Interest Rate Swap	₹-0.41 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (22/01/2027)	Interest Rate Swap	₹-0.4 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (31/01/2028)	Interest Rate Swap	₹-0.36 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (28/01/2027)	Interest Rate Swap	₹-0.36 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (25/02/2027)	Interest Rate Swap	₹-0.34 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (08/04/2027)	Interest Rate Swap	₹-0.32 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (05/04/2027)	Interest Rate Swap	₹-0.3 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (08/10/2027)	Interest Rate Swap	₹0.25 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (08/12/2027)	Interest Rate Swap	₹0.25 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (12/04/2027)	Interest Rate Swap	₹-0.2 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (18/12/2026)	Interest Rate Swap	₹-0.19 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (22/02/2027)	Interest Rate Swap	₹-0.18 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (07/04/2027)	Interest Rate Swap	₹-0.17 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (07/04/2027)	Interest Rate Swap	₹-0.17 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (04/11/2027)	Interest Rate Swap	₹0.15 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (04/11/2027)	Interest Rate Swap	₹0.15 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (22/04/2026)	Interest Rate Swap	₹-0.15 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (17/09/2027)	Interest Rate Swap	₹0.14 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (17/09/2027)	Interest Rate Swap	₹0.14 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (12/04/2027)	Interest Rate Swap	₹-0.13 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (08/12/2027)	Interest Rate Swap	₹0.12 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (30/04/2027)	Interest Rate Swap	₹-0.11 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (22/04/2026)	Interest Rate Swap	₹-0.08 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (08/06/2026)	Interest Rate Swap	₹0.07 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (11/04/2028)	Interest Rate Swap	₹-0.07 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (13/12/2027)	Interest Rate Swap	₹-0.07 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (17/04/2026)	Interest Rate Swap	₹-0.04 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (17/04/2026)	Interest Rate Swap	₹-0.04 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (13/12/2027)	Interest Rate Swap	₹-0.04 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (13/12/2027)	Interest Rate Swap	₹-0.04 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (10/12/2026)	Interest Rate Swap	₹-0.04 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (17/04/2026)	Interest Rate Swap	₹-0.04 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (04/06/2026)	Interest Rate Swap	₹-0.04 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (18/08/2026)	Interest Rate Swap	₹-0.03 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (20/12/2027)	Interest Rate Swap	₹-0.03 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (09/12/2026)	Interest Rate Swap	₹0.02 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (09/12/2026)	Interest Rate Swap	₹0.02 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (19/08/2026)	Interest Rate Swap	₹-0.02 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (19/08/2026)	Interest Rate Swap	₹-0.02 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (08/06/2026)	Interest Rate Swap	₹0.01 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (18/08/2026)	Interest Rate Swap	₹-0.01 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (18/08/2026)	Interest Rate Swap	₹-0.01 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (18/08/2026)	Interest Rate Swap	₹-0.01 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (11/12/2026)	Interest Rate Swap	₹-0.01 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (11/12/2026)	Interest Rate Swap	₹-0.01 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (09/12/2026)	Interest Rate Swap	₹0.01 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (12/11/2026)	Interest Rate Swap	₹-0.01 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (12/11/2026)	Interest Rate Swap	₹-0.01 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (22/04/2026)	Interest Rate Swap	₹-0.01 Cr	0.00%
Interest Rate Swaps Pay Fixed And Receive Floating (16/12/2027)	Interest Rate Swap	₹0 Cr	0.00%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Instruments	Amount	Holdings
Bond - Corporate Bond	₹11,126.93 Cr	47.12%
Cash - CD/Time Deposit	₹4,762.48 Cr	20.17%
Cash - Commercial Paper	₹4,639.56 Cr	19.65%
Bond - Gov't/Treasury	₹1,948.09 Cr	8.25%
Bond - Short-term Government Bills	₹1,080.35 Cr	4.57%
Bond - Gov't Agency Debt	₹173.65 Cr	0.74%
Cash	₹-171.59 Cr	0.73%
Mutual Fund - Open End	₹55.71 Cr	0.24%
Interest Rate Swap	₹-13.84 Cr	0.07%
Cash - General Offset	₹13.84 Cr	0.06%

Risk & Performance Ratios

Fund Managers

Sunaina Cunha

Since June 2014

Kaustubh Gupta

Since July 2011

Monika Gandhi

Since March 2021

Additional Scheme Detailsas of 31st December 2025

ISIN

INF209K01UR9

Expense Ratio

0.34%

Exit Load

No Charges

Fund Size

₹23,785 Cr

Age

13 years

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.

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WhiteOak Capital Ultra Short Term Fund Regular Growth Low to Moderate Risk	1.0%	0.0%	₹574.12 Cr	6.2%
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UTI Ultra Short Term Fund Direct Growth Moderate Risk	0.3%	0.0%	₹3655.33 Cr	7.2%
Aditya Birla Sun Life Savings Fund Direct Growth Moderate Risk	0.3%	0.0%	₹23785.34 Cr	7.5%
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ICICI Prudential Ultra Short Term Fund Direct Growth Moderate Risk	0.4%	0.0%	₹19738.33 Cr	7.4%
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About the AMC

Aditya Birla SL Mutual Fund

+91 22 43568000

https://mutualfund.adityabirlacapital.com/

Total AUM

₹4,54,698 Cr

Address

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

Other Funds by Aditya Birla SL Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Aditya Birla Sun Life BSE 500 Quality 50 Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹72.37 Cr	-
Aditya Birla Sun Life BSE 500 Momentum 50 Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹61.48 Cr	-
Aditya Birla Sun Life CRISIL-IBX Financial Services 9-12 Months Debt Index Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹1201.35 Cr	-
Aditya Birla Sun Life CRISIL-IBX Financial Services 3 to 6 Months Debt Index Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹3401.60 Cr	7.2%
Aditya Birla Sun Life Conglomerate Fund Direct Growth Very High Risk	0.7%	0.0%	₹1776.15 Cr	7.8%
Aditya Birla Sun Life BSE India Infrastructure Index Fund Direct Growth Very High Risk	0.5%	0.0%	₹29.00 Cr	2.0%
Aditya Birla Sun Life CRISIL-IBX AAA Financial Services Index Sep 2027 Fund Direct Growth Moderate Risk	0.1%	0.0%	₹80.61 Cr	8.5%
Aditya Birla Sun Life CRISIL-IBX AAA NBFC-HFC Index Dec 2025 Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹276.54 Cr	7.6%
Aditya Birla Sun Life CRISIL-IBX AAA NBFC-HFC Index Sep 2026 Fund Direct Growth Moderate Risk	0.1%	0.0%	₹213.72 Cr	8.1%
Aditya Birla Sun Life Nifty India Defence Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹774.86 Cr	28.7%
Aditya Birla Sun Life Quant Fund Direct Growth Very High Risk	0.7%	0.0%	₹2250.14 Cr	13.7%
Aditya Birla Sun Life Crisil IBX Gilt June 2027 Index Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹12.16 Cr	7.9%
Aditya Birla Sun Life Fixed Maturity Plan-Series UU (98 days) Direct Growth Moderately High risk	-	0.0%	-	-
Aditya BSL Fixed Term Plan Series UT (91 days) Direct Growth Low to Moderate Risk	-	0.0%	-	-
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%	₹104.95 Cr	-
Aditya Birla Sun Life Crisil IBX Gilt April 2033 Index Fund Direct Growth Moderate Risk	0.2%	0.0%	₹101.21 Cr	7.9%
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	0.8%	1.0%	₹1601.38 Cr	16.4%
Aditya Birla Sun Life US Treasury 1-3 year Bond ETFs Fund of Funds Direct Growth Very High Risk	0.3%	0.0%	₹92.25 Cr	9.4%
Aditya Birla Sun Life US Treasury 3-10 Year Bond ETFs Fund of Funds Direct Growth Very High Risk	0.2%	0.0%	₹180.94 Cr	12.8%
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 Risk	-	0.0%	₹28.97 Cr	6.1%
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 Risk	-	0.0%	₹24.33 Cr	7.0%
Aditya Birla Sun Life Fixed Term Plan - Series TJ (1838 days) Direct Growth Low to Moderate Risk	-	0.0%	₹26.44 Cr	7.5%
Aditya Birla Sun Life Fixed Term Plan Series TI (1837 days) Direct Growth Low Risk	-	0.0%	₹321.02 Cr	7.3%
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%	-	-

Risk Level

Your principal amount will be at Moderate Risk

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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 14-Jan-2026, is ₹577.60.

What are the returns of Aditya Birla Sun Life Savings Fund Direct Growth?

The fund has generated 7.48% over the last 1 year and 7.64% 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, 51.91% in bonds, and 47.86% 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

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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Aditya Birla Sun Life Savings Fund Direct Growth

Fund Overview