Aditya Birla Sun Life Money Manager Fund - Direct 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 : 171.00%. Category average turnover ratio is 3.05%. Fund manager updated portfolio more frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for shorter duration than peers)

No of Debt Holding 164 (Category Avg - 85.68) | Modified Duration 0.48 Years (Category Avg - 0.38)| Yield to Maturity 6.32% (Category Avg - 6.15%)

Portfolio Summary (as on 30th Nov,2025)

Security Type	% Weight	Category Average
GOI	8.36%	3.07%
CD	55.25%	57.10%
T-Bills	5.98%	9.54%
CP	29.64%	25.45%

Category - Money Market Fund

Security Type	% Weight	Category Average
Government Backed	14.34%	12.61%
Low Risk	84.89%	82.54%
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 - Money Market Fund

Debt holding in Portfolio (as on 30th Nov,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - HDFC Bank Ltd.	CD	Private sector bank	A1+	ICRA	11858.42	3.63%	24.50 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	11402.74	3.49%	23.50 k
Bond - Indusind Bank Ltd.	CD	Private sector bank	P1+	CRISIL	8224.44	2.51%	17.00 k
Bond - Govt of India	GOI	Other			7701.54	2.35%	7.70 Cr
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	7569.19	2.31%	15.40 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	7525.58	2.30%	15.50 k
Bond - Indusind Bank Ltd.	CD	Private sector bank	P1+	CRISIL	7392.70	2.26%	15.00 k
Bond - J S W Energy Ltd.	CP	Power generation	A1+	ICRA	5936.05	1.81%	12.00 k
Bond - Bank Of Baroda	CD	Public sector bank	PR1+	CARE	5575.19	1.70%	11.50 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	5188.28	1.59%	11.00 k
Bond - Bank Of Baroda	CD	Public sector bank	PR1+	CARE	5175.49	1.58%	11.00 k
Bond - T-Bill	T-Bills	Other			4942.37	1.51%	5.00 Cr
Bond - Indusind Bank Ltd.	CD	Private sector bank	P1+	CRISIL	4918.59	1.50%	10.00 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	4719.73	1.44%	10.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	A1+	ICRA	4369.28	1.34%	9.00 k
Bond - Bank Of India	CD	Public sector bank	P1+	CRISIL	3885.77	1.19%	8.00 k
Bond - T-Bill	T-Bills	Other			3823.93	1.17%	4.00 Cr
Bond - Kotak Mahindra Bank Ltd.	CD	Private sector bank	P1+	CRISIL	3819.73	1.17%	8.00 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	3782.02	1.16%	8.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	3761.27	1.15%	8.00 k
Bond - SMFG India Credit Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	3379.37	1.03%	7.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	A1+	ICRA	3314.12	1.01%	7.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	3306.59	1.01%	7.00 k
Bond - Govt of India	GOI	Other			3295.76	1.01%	3.25 Cr
Bond - Piramal Finance Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	2969.63	0.91%	6.00 k
Bond - Embassy Office Parks Reit	CP	Real estate investment trusts (reits)	P1+	CRISIL	2963.17	0.91%	6.00 k
Bond - LIC Housing Finance Ltd.	CP	Housing finance company	A1+	ICRA	2951.48	0.90%	6.00 k
Bond - Power Finance Corporation Ltd.	CP	Financial institution	A1+	ICRA	2932.45	0.90%	6.00 k
Bond - Bank Of India	CD	Public sector bank	P1+	CRISIL	2912.38	0.89%	6.00 k
Bond - Federal Bank Ltd.	CD	Private sector bank	P1+	CRISIL	2911.50	0.89%	6.00 k
Bond - IDBI Bank Ltd.	CD	Private sector bank	A1+	ICRA	2906.46	0.89%	6.00 k
Bond - Au Small Finance Bank Ltd.	CD	Other bank	P1+	CRISIL	2901.01	0.89%	6.00 k
Bond - MASHREQBANK	CD	Other bank	P1+	CRISIL	2899.61	0.89%	6.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	A1+	ICRA	2858.19	0.87%	6.00 k
Bond - Bharti Telecom Ltd.	CP	Telecom - equipment & accessories	A1+	ICRA	2466.50	0.75%	5.00 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	2459.88	0.75%	5.00 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	2437.79	0.75%	5.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	A1+	ICRA	2427.32	0.74%	5.00 k
Bond - Kotak Mahindra Prime Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	2421.74	0.74%	5.00 k
Bond - IDBI Bank Ltd.	CD	Private sector bank	A1+	ICRA	2421.64	0.74%	5.00 k
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	A1+	ICRA	2416.27	0.74%	5.00 k
Bond - Motilal Oswal Financial Services Ltd.	CP	Stockbroking & allied	A1+	ICRA	2410.63	0.74%	5.00 k
Bond - Govt of India	GOI	Other			2405.60	0.74%	2.40 Cr
Bond - Au Small Finance Bank Ltd.	CD	Other bank	P1+	CRISIL	2385.53	0.73%	5.00 k
Bond - T-Bill	T-Bills	Other			2377.99	0.73%	2.50 Cr
Bond - Au Small Finance Bank Ltd.	CD	Other bank	P1+	CRISIL	2349.77	0.72%	5.00 k
Bond - Karur Vysya Bank Ltd	CD	Private sector bank	P1+	CRISIL	2344.09	0.72%	5.00 k
Bond - T-Bill	T-Bills	Other			2221.45	0.68%	2.25 Cr
Bond - Axis Bank Ltd.	CD	Private sector bank	A1+	ICRA	2178.49	0.67%	4.50 k
Bond - T-Bill	T-Bills	Other			2157.89	0.66%	2.25 Cr
Bond - T-Bill	T-Bills	Other			1988.86	0.61%	2.00 Cr
Bond - ICICI Securities Primary Dealership Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	1974.74	0.60%	4.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	A1+	ICRA	1967.85	0.60%	4.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	1963.35	0.60%	4.00 k
Bond - Tata Capital Housing Finance Ltd.	CP	Housing finance company	A1+	ICRA	1962.83	0.60%	4.00 k
Bond - Hero Fincorp Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	1962.72	0.60%	4.00 k
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	A1+	ICRA	1962.36	0.60%	4.00 k
Bond - 360 One Prime Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	1961.89	0.60%	4.00 k
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	1943.69	0.59%	4.00 k
Bond - Cholamandalam Investment & Finance Co. Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	1938.56	0.59%	4.00 k
Bond - Bajaj Housing Finance Ltd.	CP	Housing finance company	P1+	CRISIL	1937.41	0.59%	4.00 k
Bond - Embassy Office Parks Reit	CP	Real estate investment trusts (reits)	P1+	CRISIL	1932.72	0.59%	4.00 k
Bond - Infina Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	1928.52	0.59%	4.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	A1+	ICRA	1910.86	0.58%	4.00 k
Bond - Govt of India	GOI	Other			1897.85	0.58%	1.90 Cr
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	1894.23	0.58%	4.00 k
Bond - Bharti Telecom Ltd.	CP	Telecom - equipment & accessories	A1+	ICRA	1891.89	0.58%	4.00 k
Bond - Bank Of Baroda	CD	Public sector bank	PR1+	CARE	1887.89	0.58%	4.00 k
Bond - CTBC Bank Co Ltd.	CD	Banks	A1+	ICRA	1876.12	0.57%	4.00 k
Bond - Bahadur Chand Investments Pvt. Ltd.	CP	Investment company	A1+	ICRA	1861.75	0.57%	4.00 k
Bond - GIC Housing Finance Ltd.	CP	Housing finance company	A1+	ICRA	1723.57	0.53%	3.50 k
Bond - Cholamandalam Investment & Finance Co. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1634.42	0.50%	3.50 k
Bond - Govt of India	GOI	Other			1620.16	0.50%	1.62 Cr
Bond - Muthoot Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	1487.36	0.45%	3.00 k
Bond - SMFG India Credit Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	1483.76	0.45%	3.00 k
Bond - Bahadur Chand Investments Pvt. Ltd.	CP	Investment company	A1+	ICRA	1482.54	0.45%	3.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	1478.94	0.45%	3.00 k
Bond - DCB Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1474.84	0.45%	3.00 k
Bond - Tata Capital Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	1473.08	0.45%	3.00 k
Bond - CTBC Bank Co Ltd.	CD	Banks	A1+	ICRA	1472.95	0.45%	3.00 k
Bond - Birla Group Holdings Private Ltd.	CP	Investment company	A1+	ICRA	1472.62	0.45%	3.00 k
Bond - Au Small Finance Bank Ltd.	CD	Other bank	P1+	CRISIL	1471.35	0.45%	3.00 k
Bond - Hero Fincorp Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	1470.14	0.45%	3.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	1457.77	0.45%	3.00 k
Bond - GIC Housing Finance Ltd.	CP	Housing finance company	P1+	CRISIL	1453.63	0.44%	3.00 k
Bond - Rural Electrification Corporation Limited	CP	Financial institution	A1+	ICRA	1452.63	0.44%	3.00 k
Bond - Canara Bank	CD	Public sector bank	A1+	ICRA	1452.24	0.44%	3.00 k
Bond - Deutsche Investments India Pvt. Ltd.	CP	Investment company	A1+	ICRA	1446.15	0.44%	3.00 k
Bond - Julius Baer Capital (India) Pvt Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	1446.05	0.44%	3.00 k
Bond - Truhome Finance Ltd.	CP	Housing finance company	A1+	ICRA	1444.50	0.44%	3.00 k
Bond - Motilal Oswal Home Finance Ltd.	CP	Housing finance company	A1+	ICRA	1444.29	0.44%	3.00 k
Bond - Govt of India	GOI	Other			1431.51	0.44%	1.43 Cr
Bond - Au Small Finance Bank Ltd.	CD	Other bank	P1+	CRISIL	1429.32	0.44%	3.00 k
Bond - T-Bill	T-Bills	Other			1378.11	0.42%	1.40 Cr
Bond - Govt of India	GOI	Other			1261.69	0.39%	1.25 Cr
Bond - Govt of India	GOI	Other			1256.44	0.38%	1.25 Cr
Bond - LIC Housing Finance Ltd.	CP	Housing finance company	A1+	ICRA	1228.39	0.38%	2.50 k
Bond - Export Import Bank Of India	CD	Financial institution	A1+	ICRA	1213.43	0.37%	2.50 k
Bond - Mahindra Rural Housing Finance Ltd.	CP	Housing finance company	P1+	CRISIL	1211.30	0.37%	2.50 k
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	1159.30	0.35%	2.40 k
Bond - Punjab & Sind Bank	CD	Public sector bank	A1+	ICRA	989.39	0.30%	2.00 k
Bond - CTBC Bank Co Ltd.	CD	Banks	A1+	ICRA	989.32	0.30%	2.00 k
Bond - Hero Fincorp Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	989.18	0.30%	2.00 k
Bond - Hsbc Investdirect Financial Services India Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	989.05	0.30%	2.00 k
Bond - Hero Fincorp Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	988.37	0.30%	2.00 k
Bond - Muthoot Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	987.18	0.30%	2.00 k
Bond - Axis Securities Ltd.	CP	Stockbroking & allied	A1+	ICRA	985.72	0.30%	2.00 k
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	983.95	0.30%	2.00 k
Bond - Federal Bank Ltd.	CD	Private sector bank	P1+	CRISIL	983.47	0.30%	2.00 k
Bond - Deutsche Investments India Pvt. Ltd.	CP	Investment company	A1+	ICRA	980.77	0.30%	2.00 k
Bond - Nuvama Wealth Finance Ltd.	CP	Stockbroking & allied	P1+	CRISIL	979.52	0.30%	2.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	A1+	ICRA	975.00	0.30%	2.00 k
Bond - DCB Bank Ltd.	CD	Private sector bank	P1+	CRISIL	968.94	0.30%	2.00 k
Bond - Mahindra Rural Housing Finance Ltd.	CP	Housing finance company	P1+	CRISIL	967.37	0.30%	2.00 k
Bond - Barclays Investments & Loans (I) Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	966.81	0.30%	2.00 k
Bond - Barclays Investments & Loans (I) Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	965.56	0.30%	2.00 k
Bond - Barclays Investments & Loans (I) Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	964.31	0.29%	2.00 k
Bond - Motilal Oswal Financial Services Ltd.	CP	Stockbroking & allied	A1+	ICRA	962.96	0.29%	2.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	A1+	ICRA	957.81	0.29%	2.00 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	919.80	0.28%	1.90 k
Bond - Motilal Oswal Financial Services Ltd.	CP	Stockbroking & allied	A1+	ICRA	831.77	0.25%	1.70 k
Bond - Govt of India	GOI	Other			752.09	0.23%	75.00 L
Bond - Birla Group Holdings Private Ltd.	CP	Investment company	A1+	ICRA	740.77	0.23%	1.50 k
Bond - Hsbc Investdirect Financial Services India Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	736.32	0.23%	1.50 k
Bond - IDFC First Bank Ltd.	CD	Private sector bank	P1+	CRISIL	727.58	0.22%	1.50 k
Bond - Hsbc Investdirect Financial Services India Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	726.25	0.22%	1.50 k
Bond - Standard Chartered Capital Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	725.37	0.22%	1.50 k
Bond - Standard Chartered Capital Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	723.51	0.22%	1.50 k
Bond - Govt of India	GOI	Other			704.31	0.22%	70.60 L
Bond - Hsbc Investdirect Financial Services India Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	692.59	0.21%	1.40 k
Bond - Govt of India	GOI	Other			656.43	0.20%	65.00 L
Bond - T-Bill	T-Bills	Other			642.93	0.20%	64.59 L
Bond - Govt of India	GOI	Other			558.04	0.17%	55.92 L
Bond - Govt of India	GOI	Other			506.31	0.15%	50.00 L
Bond - Govt of India	GOI	Other			506.16	0.15%	50.00 L
Bond - Govt of India	GOI	Other			502.08	0.15%	50.00 L
Bond - Muthoot Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	495.24	0.15%	1.00 k
Bond - Julius Baer Capital (India) Pvt Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	495.16	0.15%	1.00 k
Bond - Standard Chartered Capital Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	493.57	0.15%	1.00 k
Bond - Sundaram Finance Limited	CP	Non banking financial company (nbfc)	A1+	ICRA	493.01	0.15%	1.00 k
Bond - Indusind Bank Ltd.	CD	Private sector bank	P1+	CRISIL	492.93	0.15%	1.00 k
Bond - National Bank for Agriculture & Rural Development	CP	Financial institution	A1+	ICRA	492.69	0.15%	1.00 k
Bond - Hero Housing Finance Ltd.	CP	Housing finance company	A1+	ICRA	492.65	0.15%	1.00 k
Bond - Au Small Finance Bank Ltd.	CD	Other bank	PR1+	CARE	492.64	0.15%	1.00 k
Bond - Hero Housing Finance Ltd.	CP	Housing finance company	A1+	ICRA	491.15	0.15%	1.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	A1+	ICRA	490.99	0.15%	1.00 k
Bond - Muthoot Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	490.74	0.15%	1.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	A1+	ICRA	485.95	0.15%	1.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	A1+	ICRA	484.66	0.15%	1.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	A1+	ICRA	479.32	0.15%	1.00 k
Bond - Hero Housing Finance Ltd.	CP	Housing finance company	A1+	ICRA	470.82	0.14%	1.00 k
Bond - Au Small Finance Bank Ltd.	CD	Other bank	P1+	CRISIL	468.98	0.14%	1.00 k
Bond - Govt of India	GOI	Other			429.93	0.13%	42.49 L
Bond - Govt of India	GOI	Other			354.45	0.11%	35.00 L
Bond - Govt of India	GOI	Other			354.43	0.11%	35.00 L
Bond - Govt of India	GOI	Other			354.24	0.11%	35.00 L
Bond - Govt of India	GOI	Other			253.13	0.08%	25.00 L
Bond - Hero Fincorp Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	246.91	0.08%	500.00
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	245.95	0.08%	500.00
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	A1+	ICRA	245.45	0.08%	500.00
Bond - Govt of India	GOI	Other			233.00	0.07%	23.00 L
Bond - Govt of India	GOI	Other			202.49	0.06%	20.00 L
Bond - Govt of India	GOI	Other			101.44	0.03%	10.00 L
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	A1+	ICRA	98.59	0.03%	200.00

Name	Type of Instrument	Weight (%)
TREPS	TREPS	1.24%
Net Receivables	Net Receivables	0.23%
Net Receivables	Net Receivables	-0.72%

Aditya Birla Sun Life Money Manager Fund - Direct Plan - Growth

Portfolio Summary (as on 30th Nov,2025)

Debt holding in Portfolio (as on 30th Nov,2025)

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