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Aditya Birla Sun Life Income Fund - Regular Plan - IDCW

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

No of Debt Holding 69 (Category Avg - 26.46) | Modified Duration 6.68 Years (Category Avg - 5.74)| Yield to Maturity 7.10% (Category Avg - 6.97%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	51.50%	65.04%
CD	0.46%	0.04%
T-Bills	0.00%	0.06%
NCD & Bonds	40.70%	27.03%
PTC	1.20%	1.86%

Category - Medium to Long Duration Fund

Security Type	% Weight	Category Average
Government Backed	51.50%	65.10%
Low Risk	42.36%	28.92%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Medium to Long Duration Fund

Debt holding in Portfolio (as on 31st Oct,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			4194.25	19.83%	4.18 Cr
Bond - Govt of India	GOI	Other			2167.64	10.25%	2.10 Cr
Bond - Govt of India	GOI	Other			1352.44	6.39%	1.37 Cr
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	LAAA	ICRA	995.58	4.71%	10.00 k
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	LAAA	ICRA	749.40	3.54%	7.50 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	748.36	3.54%	7.50 k
Bond - Housing & Urban Development Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	746.90	3.53%	7.50 k
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	511.53	2.42%	5.00 k
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	LAAA	ICRA	506.53	2.39%	5.00 k
Bond - Govt of India	GOI	Other			482.79	2.28%	50.00 L
Bond - Govt of India	GOI	Other			269.46	1.27%	27.86 L
Bond - Govt of India	GOI	Other			269.10	1.27%	25.00 L
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	257.71	1.22%	250.00
Bond - Govt of India	GOI	Other			256.74	1.21%	25.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	255.18	1.21%	2.50 k
Bond - Govt of India	GOI	Other			254.93	1.21%	25.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	254.84	1.20%	2.50 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	254.57	1.20%	2.50 k
Bond - Mahindra & Mahindra Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAAA	ICRA	254.32	1.20%	2.50 k
Bond - SMFG India Home Finance Co. Ltd.	NCD & Bonds	Housing finance company	CARE AAA	CARE	253.75	1.20%	2.50 k
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	LAAA	ICRA	253.43	1.20%	250.00
Bond - Siddhivinayak Securitisation Trust	PTC	Ptc	AAA	CRISIL	253.39	1.20%	25.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	252.59	1.19%	2.50 k
Bond - ICICI Home Finance Company Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	251.39	1.19%	2.50 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	251.35	1.19%	250.00
Bond - Embassy Office Parks Reit	NCD & Bonds	Real estate investment trusts (reits)	AAA	CRISIL	250.90	1.19%	2.50 k
Bond - Housing & Urban Development Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	250.66	1.19%	2.50 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	248.52	1.17%	2.50 k
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	248.51	1.17%	250.00
Bond - Govt of India	GOI	Other			245.77	1.16%	25.00 L
Bond - Govt of India	GOI	Other			245.23	1.16%	25.00 L
Bond - Bharti Telecom Ltd.	NCD & Bonds	Telecom - equipment & accessories	AAA	CRISIL	200.50	0.95%	2.00 k
Bond - Govt of India	GOI	Other			183.16	0.87%	17.99 L
Bond - Govt of India	GOI	Other			162.19	0.77%	15.94 L
Bond - Govt of India	GOI	Other			152.84	0.72%	15.00 L
Bond - Govt of India	GOI	Other			147.06	0.70%	15.00 L
Bond - Govt of India	GOI	Other			120.87	0.57%	12.29 L
Bond - Govt of India	GOI	Other			101.36	0.48%	10.00 L
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	101.03	0.48%	100.00
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	100.98	0.48%	100.00
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	100.04	0.47%	100.00
Bond - National Highways Authority of India	NCD & Bonds	Road assets–toll, annuity, hybrid-annuity	LAAA	ICRA	98.37	0.47%	100.00
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	A1+	ICRA	98.07	0.46%	200.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	51.47	0.24%	50.00
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	50.99	0.24%	50.00
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	LAAA	ICRA	50.48	0.24%	5.00
Bond - Govt of India	GOI	Other			50.10	0.24%	5.00 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	LAAA	ICRA	30.07	0.14%	30.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	30.06	0.14%	30.00
Bond - Govt of India	GOI	Other			29.91	0.14%	3.00 L
Bond - Govt of India	GOI	Other			25.69	0.12%	2.52 L
Bond - Govt of India	GOI	Other			23.72	0.11%	2.31 L
Bond - Govt of India	GOI	Other			20.25	0.10%	2.00 L
Bond - Govt of India	GOI	Other			16.14	0.08%	1.60 L
Bond - Govt of India	GOI	Other			14.05	0.07%	1.37 L
Bond - Govt of India	GOI	Other			13.91	0.07%	1.37 L
Bond - Govt of India	GOI	Other			11.49	0.05%	1.11 L
Bond - Govt of India	GOI	Other			10.95	0.05%	1.06 L
Bond - Govt of India	GOI	Other			10.10	0.05%	1.00 L
Bond - Govt of India	GOI	Other			10.05	0.05%	1.00 L
Bond - Govt of India	GOI	Other			9.06	0.04%	89.75 k
Bond - Govt of India	GOI	Other			8.87	0.04%	88.10 k
Bond - Govt of India	GOI	Other			8.40	0.04%	83.90 k
Bond - Govt of India	GOI	Other			8.36	0.04%	80.50 k
Bond - Govt of India	GOI	Other			6.09	0.03%	60.60 k
Bond - Govt of India	GOI	Other			3.61	0.02%	35.70 k
Bond - Govt of India	GOI	Other			2.22	0.01%	21.70 k
Bond - Govt of India	GOI	Other			1.58	0.01%	17.90 k
Bond - Govt of India	GOI	Other			0.03	0.00%	300.00