Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Fund House : Aditya Birla Sun Life Mutual Fund

Portfolio Turnover Ratio : 31.00%. Category average turnover ratio is 153.01%. Fund manager updated portfolio less frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for longer duration than peers)

Equity Holding : 97.75% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 97.75%

No of Stocks : 35 (Category Avg - 44.44) | Large Cap Investments : 42.7%| Mid Cap Investments : 8.31% | Small Cap Investments : 5.71% | Other : 41.03%

Portfolio Summary (as on 31st Oct,2025)

Particulars	This Scheme	Category
No. of Stocks	35	43.41
Top 5 Stock Weight	55.01%	32.46%
Top 10 Stock Weight	71.75%	49.59%
Top 3 Sector Weight	72.69%	43.5%

Category - Sectoral/Thematic

Particulars	This Scheme	Category
Average mcap (Cr)	97402.35	72450.77
Holdings in large cap stocks	42.7%	37.14%
Holdings in mid cap stocks	8.31%	14.47%
Holdings in small cap stocks	5.71%	13.1%

Category - Sectoral/Thematic

Top 10 Stocks holding in Portfolio (as on 31st Oct,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
ICICI Bank Ltd.	Private sector bank	6293.2	17.45%	-0.82%	20.88% (Jul 2025)	17.45% (Oct 2025)	46.78 L	0.00
HDFC Bank Ltd.	Private sector bank	5932.2	16.45%	-1.69%	19.2% (Feb 2025)	16.45% (Oct 2025)	60.08 L	-5.75 L
Axis Bank Ltd.	Private sector bank	2838	7.87%	0.32%	7.87% (Oct 2025)	6.13% (Jan 2025)	23.02 L	0.00
State Bank Of India	Public sector bank	2547.4	7.06%	0.19%	7.06% (Oct 2025)	5.32% (Jun 2025)	27.19 L	0.00
Bajaj Finance Ltd.	Non banking financial company (nbfc)	2228.7	6.18%	-0.01%	6.62% (Feb 2025)	4.7% (Nov 2024)	21.37 L	0.00
Kotak Mahindra Bank Ltd.	Private sector bank	1491.2	4.13%	0.04%	4.13% (Oct 2025)	2.54% (Nov 2024)	7.09 L	0.00
Cholamandalam Financial Holdings Ltd.	Investment company	1193.3	3.31%	-0.10%	3.99% (Jun 2025)	2.94% (Dec 2024)	6.24 L	0.00
Au Small Finance Bank Ltd.	Other bank	1182.3	3.28%	0.21%	3.28% (Oct 2025)	2.15% (Mar 2025)	13.47 L	-1.00 L
ICICI Lombard General Insurance Co Ltd.	General insurance	1126.6	3.12%	0.03%	3.18% (Jun 2025)	1.67% (Apr 2025)	5.65 L	0.00
HDB Financial Services Ltd.	Non banking financial company (nbfc)	1045.6	2.90%	-0.21%	3.3% (Aug 2025)	0% (Nov 2024)	14.30 L	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

View complete holding

Complete equity Portfolio (as on 31st Oct,2025)

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Sector
M-Cap

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Stock Invested in	Sector	Sector Total	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty	M-Cap	GroupName
ICICI Bank Ltd.	Private sector bank	49.27	6293.2	17.45%	-0.82%	20.88% (Jul 2025)	17.45% (Oct 2025)	46.78 L	0.00	Large Cap	42.7
HDFC Bank Ltd.	Private sector bank	49.27	5932.2	16.45%	-1.69%	19.2% (Feb 2025)	16.45% (Oct 2025)	60.08 L	-5.75 L	Other	41.03
Axis Bank Ltd.	Private sector bank	49.27	2838	7.87%	0.32%	7.87% (Oct 2025)	6.13% (Jan 2025)	23.02 L	0.00	Large Cap	42.7
State Bank Of India	Public sector bank	7.06	2547.4	7.06%	0.19%	7.06% (Oct 2025)	5.32% (Jun 2025)	27.19 L	0.00	Large Cap	42.7
Bajaj Finance Ltd.	Non banking financial company (nbfc)	16.36	2228.7	6.18%	-0.01%	6.62% (Feb 2025)	4.7% (Nov 2024)	21.37 L	0.00	Other	41.03
Kotak Mahindra Bank Ltd.	Private sector bank	49.27	1491.2	4.13%	0.04%	4.13% (Oct 2025)	2.54% (Nov 2024)	7.09 L	0.00	Large Cap	42.7
Cholamandalam Financial Holdings Ltd.	Investment company	3.31	1193.3	3.31%	-0.10%	3.99% (Jun 2025)	2.94% (Dec 2024)	6.24 L	0.00	Small Cap	5.71
Au Small Finance Bank Ltd.	Other bank	3.28	1182.3	3.28%	0.21%	3.28% (Oct 2025)	2.15% (Mar 2025)	13.47 L	-1.00 L	Mid Cap	8.31
ICICI Lombard General Insurance Co Ltd.	General insurance	4.47	1126.6	3.12%	0.03%	3.18% (Jun 2025)	1.67% (Apr 2025)	5.65 L	0.00	Large Cap	42.7
HDB Financial Services Ltd.	Non banking financial company (nbfc)	16.36	1045.6	2.90%	-0.21%	3.3% (Aug 2025)	0% (Nov 2024)	14.30 L	0.00	Other	41.03
Shriram Finance Ltd.	Non banking financial company (nbfc)	16.36	897.5	2.49%	0.35%	3.23% (Feb 2025)	2.06% (Aug 2025)	11.98 L	0.00	Other	41.03
SBI Life Insurance Co Ltd.	Life insurance	2.41	868.6	2.41%	0.10%	2.41% (Oct 2025)	1.41% (Dec 2024)	4.44 L	0.00	Large Cap	42.7
Aptus Value Housing Finance India Ltd.	Housing finance company	4.55	837.3	2.32%	-0.12%	2.44% (Sep 2025)	0% (Nov 2024)	26.36 L	0.00	Other	41.03
# Tata Capital Ltd.	Non banking financial company (nbfc)	16.36	652.6	1.81%	1.81%	1.81% (Oct 2025)	0% (Nov 2024)	19.94 L	19.94 L	Other	41.03
SBFC Finance Ltd.	Non banking financial company (nbfc)	16.36	514.3	1.43%	0.04%	1.45% (May 2025)	1.2% (Nov 2024)	45.08 L	0.00	Other	41.03
City Union Bank Ltd.	Private sector bank	49.27	511.9	1.42%	0.03%	1.42% (Oct 2025)	0% (Nov 2024)	22.38 L	0.00	Mid Cap	8.31
PNB Housing Finance Ltd.	Housing finance company	4.55	441.2	1.22%	0.03%	2.14% (May 2025)	0.97% (Nov 2024)	4.75 L	0.00	Mid Cap	8.31
- Bajaj Finserv Ltd	Holding company	1.16	417.7	1.16%	0.00%	1.24% (Feb 2025)	0% (Nov 2024)	2.00 L	0.00	Other	41.03
RBL Bank Ltd.	Private sector bank	49.27	417.4	1.16%	0.13%	1.16% (Oct 2025)	0.67% (Feb 2025)	12.79 L	0.00	Mid Cap	8.31
- Computer Age Management Services Pvt Ltd.	Depositories, clearing houses and other intermediaries	2.78	412.6	1.14%	0.00%	4.04% (Dec 2024)	1.09% (Feb 2025)	1.05 L	0.00	Other	41.03
Muthoot Finance Pvt. Ltd.	Non banking financial company (nbfc)	16.36	397.3	1.10%	-0.01%	1.11% (Sep 2025)	0% (Nov 2024)	1.25 L	0.00	Mid Cap	8.31
Repco Home Finance Ltd.	Housing finance company	4.55	362.6	1.01%	-0.26%	3.08% (Nov 2024)	1.01% (Oct 2025)	8.66 L	-3.46 L	Small Cap	5.71
# Canara Robeco Asset Management Company Ltd.	Asset management company	0.99	357.7	0.99%	0.99%	0.99% (Oct 2025)	0% (Nov 2024)	11.29 L	11.29 L	Other	41.03
Central Depository Services (India) Ltd.	Depositories, clearing houses and other intermediaries	2.78	337.8	0.94%	-0.11%	2.48% (Dec 2024)	0.94% (Oct 2025)	2.13 L	-0.35 L	Small Cap	5.71
Star Health and Allied Insurance Co Ltd.	General insurance	4.47	306.7	0.85%	0.05%	0.85% (Oct 2025)	0.41% (Mar 2025)	6.20 L	0.00	Other	41.03
Prudent Corporate Advisory Services Ltd.	Financial products distributor	0.72	258.4	0.72%	0.39%	0.72% (Oct 2025)	0.24% (Feb 2025)	1.01 L	57.68 k	Other	41.03
National Securities Depository Ltd.	Depositories, clearing houses and other intermediaries	2.78	253.6	0.70%	-0.33%	1.61% (Aug 2025)	0% (Nov 2024)	2.19 L	-0.78 L	Other	41.03
Anand Rathi Share & Stock Brokers Ltd.	Stockbroking & allied	1	246.9	0.68%	0.06%	0.68% (Oct 2025)	0% (Nov 2024)	4.85 L	0.00	Other	41.03
Indusind Bank Ltd.	Private sector bank	49.27	236.4	0.66%	-0.19%	1.31% (Feb 2025)	0.66% (Oct 2025)	2.97 L	-1.00 L	Large Cap	42.7
- GO Digit General Insurance Ltd.	General insurance	4.47	179.3	0.50%	0.00%	0.5% (Sep 2025)	0% (Nov 2024)	5.00 L	0.00	Other	41.03
Mas Financial Services Ltd.	Non banking financial company (nbfc)	16.36	163.4	0.45%	-0.01%	0.59% (Dec 2024)	0.41% (Mar 2025)	5.35 L	0.00	Small Cap	5.71
- Dam Capital Advisors Ltd.	Stockbroking & allied	1	115.9	0.32%	0.00%	0.57% (Dec 2024)	0% (Nov 2024)	4.75 L	0.00	Other	41.03
Fusion Finance Ltd.	Microfinance institutions	0.39	86	0.24%	-0.04%	0.42% (Jan 2025)	0.23% (Jul 2025)	4.72 L	-0.22 L	Other	41.03
Fusion Finance Ltd. - Partly paid up	Microfinance institutions	0.39	54.5	0.15%	-0.02%	0.19% (Jun 2025)	0% (Nov 2024)	5.36 L	0.00	Other	41.03
Federal Bank Ltd.	Private sector bank	49.27	45.9	0.13%	0.02%	1.62% (Nov 2024)	0% (Nov 2024)	1.94 L	0.00	Mid Cap	8.31
Utkarsh Small Finance Bank Ltd.	Other bank	3.28	38.2	0.00%	-0.11%	-	-	-	-	Other	41.03
SBI Cards and Payment Services Ltd.	Non banking financial company (nbfc)	16.36	234	0.00%	-0.68%	-	-	-	-	Other	41.03
Cash and Bank	Other		0	0.00%	0.00%	-	-	-	-	Large Cap	42.7
Margin	Other		30	0.00%	-0.09%	-	-	-	-	Large Cap	42.7

- indicates change in weight in the portfolio. # indicates a new entry.

New Stocks added in Portfolio (in 1 month period ending 31st Oct,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
# Tata Capital Ltd.	Non banking financial company (nbfc)	652.6	1.81%	1.81%	1.81% (Oct 2025)	0% (Nov 2024)	19.94 L	1993824
# Canara Robeco Asset Management Company Ltd.	Asset management company	357.7	0.99%	0.99%	0.99% (Oct 2025)	0% (Nov 2024)	11.29 L	1128792

Stocks removed from Portfolio (in 1 month period ending 31st Oct,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	1M Change in Qty
Utkarsh Small Finance Bank Ltd.	Other bank	38.2	0.00%	-0.11%	0.59% (Nov 2024)	0% (Nov 2024)	-1819637
SBI Cards and Payment Services Ltd.	Non banking financial company (nbfc)	234	0.00%	-0.68%	1.61% (Mar 2025)	0% (Nov 2024)	-266780
- Cash and Bank	Other	0	0.00%	0.00%	0% (Nov 2025)	0% (Nov 2025)	0
Margin	Other	30	0.00%	-0.09%	0% (Nov 2025)	0% (Nov 2025)	0

Trend in stock holdings (Top 15 Holding)

Stock	Oct 2025	Sep 2025	Aug 2025	Jul 2025	Jun 2025	May 2025	Apr 2025	Mar 2025	Feb 2025	Jan 2025	Dec 2024	Nov 2024	Oct 2024
ICICI Bank Ltd.	17.45%	18.27%	20.41%	20.88%	19.92%	20.54%	20.72%	20.73%	19.97%	20.17%	20.17%	19.85%	19.77%
HDFC Bank Ltd.	16.45%	18.14%	18.57%	19.00%	18.43%	18.47%	18.68%	18.78%	19.20%	18.28%	18.64%	18.33%	17.75%
Axis Bank Ltd.	7.87%	7.55%	7.13%	7.03%	7.62%	6.54%	6.64%	6.54%	6.50%	6.13%	6.47%	6.70%	6.85%
State Bank Of India	7.06%	6.87%	6.47%	6.19%	5.32%	5.43%	5.39%	5.58%	5.38%	5.86%	5.89%	6.03%	5.91%
Bajaj Finance Ltd.	6.18%	6.19%	5.56%	5.39%	5.52%	6.50%	6.24%	6.44%	6.62%	5.94%	5.03%	4.70%	4.93%
Cholamandalam Financial Holdings Ltd.	3.31%	3.41%	3.19%	3.37%	3.99%	3.55%	3.62%	3.60%	3.64%	3.27%	2.94%	3.33%	3.51%
HDB Financial Services Ltd.	2.90%	3.11%	3.30%	3.10%	2.61%	-	-	-	-	-	-	-	-
Kotak Mahindra Bank Ltd.	4.13%	4.10%	2.73%	2.66%	2.81%	2.77%	3.02%	3.14%	2.97%	2.88%	2.65%	2.54%	2.49%
Au Small Finance Bank Ltd.	3.28%	3.07%	3.08%	3.07%	3.26%	2.58%	2.58%	2.15%	2.46%	2.54%	2.55%	2.58%	2.72%
Shriram Finance Ltd.	2.49%	2.14%	2.06%	2.16%	2.63%	2.87%	2.81%	3.19%	3.23%	2.77%	2.87%	3.12%	3.25%
ICICI Lombard General Insurance Co Ltd.	3.12%	3.09%	3.08%	3.11%	3.18%	3.02%	1.67%	1.69%	1.72%	1.83%	1.72%	1.74%	1.80%
SBI Life Insurance Co Ltd.	2.41%	2.30%	2.38%	2.34%	2.25%	1.78%	1.77%	1.64%	1.64%	1.65%	1.41%	1.41%	1.60%
Repco Home Finance Ltd.	1.01%	1.27%	1.27%	1.44%	1.50%	1.56%	1.64%	1.81%	1.92%	2.45%	2.54%	3.08%	3.02%
Tata Capital Ltd.	1.81%	-	-	-	-	-	-	-	-	-	-	-	-
Computer Age Management Services Pvt Ltd.	1.14%	1.14%	1.15%	1.12%	1.24%	1.18%	1.19%	1.20%	1.09%	1.22%	4.04%	3.81%	3.44%