Aditya Birla Sun Life Regular Savings 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.

Category : Conservative Hybrid Fund

Fund House : Aditya Birla Sun Life Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 76.6154 -0.15%
(as on 06th November, 2025)

Crisil Rating

Average performance among peers

Fund Size

: ₹ 1539.01 Cr

(5.21% of Investment in Category)

Expense Ratio

: 0.93%

(0.92% Category average)

Risk-O-Meter

Moderately High Risk

Conservative Hybrid Fund :Conservative Hybrid Fund : The fund has 20.26% investment in domestic equities of which 10.41% is in Large Cap stocks, 2.1% is in Mid Cap stocks, 0.6% in Small Cap stocks.The fund has 73.58% investment in Debt, of which 18.91% in Government securities, 53.04% is in Low Risk securities.

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This Scheme

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CRISIL Hybrid 85+15 - Conservative Index

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0.58%

1.77%

3.37%

6.47%

10.61%

9.91%

9.34%

NA
Gold

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VIP (Value Avg)

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Returns (NAV as on 24th July, 2018)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	17-Jul-18	10102.90	1.03%	-	-0.44%	22/22
1 Month	22-Jun-18	10156.60	1.57%	-	-0.79%	16/22
3 Month	24-Apr-18	10104.50	1.04%	-	-0.50%	18/22
6 Month	24-Jan-18	10035.50	0.35%	-	4.71%	17/22
YTD	01-Jan-18	10035.90	0.36%	-	-0.35%	17/22
1 Year	24-Jul-17	10318.00	3.18%	3.18%	8.24%	16/22
2 Year	22-Jul-16	12122.40	21.22%	10.07%	8.51%	9/20
3 Year	24-Jul-15	13580.90	35.81%	10.73%	11.45%	4/19
5 Year	24-Jul-13	19653.40	96.53%	14.46%	7.85%	8/19
Since Inception	02-Jan-13	19493.00	94.93%	12.76%	8.63%	3/22

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 24th July, 2018)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	24-Jul-17	12000	12202.02	1.68 %	3.14 %
2 Year	22-Jul-16	24000	25816.13	7.57 %	7.2 %
3 Year	24-Jul-15	36000	41979.74	16.61 %	10.25 %
5 Year	24-Jul-13	60000	81537.01	35.9 %	12.23 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Any profit will be clubbed with your income and taxed at your effective tax rate.

Portfolio (Updated on 30th Sep,2025)

Portfolio Turnover Ratio : 129.00% | Category average turnover ratio is 33.45%

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)

Equity Holding : 20.26% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 20.26%

No of Stocks : 43 (Category Avg - 35.61) | Large Cap Investments : 10.41%| Mid Cap Investments : 2.1% | Small Cap Investments : 0.6% | Other : 7.17%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity
HDFC Bank Ltd.	Private sector bank	285.3	1.85%	-0.01%	2.25% (Mar 2025)	1.1% (Nov 2024)	3.00 L
ICICI Bank Ltd.	Private sector bank	249.4	1.62%	-0.07%	2.27% (Mar 2025)	1.62% (Sep 2025)	1.85 L
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	169.1	1.10%	-0.01%	1.3% (Jun 2025)	0.89% (Nov 2024)	90.00 k
Bajaj Finserv Ltd	Holding company	150.5	0.98%	0.04%	1.11% (May 2025)	0.94% (Jan 2025)	75.00 k
Hindalco Industries Ltd.	Aluminium	144.8	0.94%	0.07%	0.95% (Jun 2025)	0.53% (Jan 2025)	1.90 L
Fortis Healthcare Ltd.	Hospital	109.6	0.71%	0.04%	0.72% (Sep 2025)	0.2% (Feb 2025)	1.13 L
Reliance Industries Ltd.	Refineries & marketing	102.3	0.66%	0.00%	1.54% (Jan 2025)	0.32% (Oct 2024)	75.00 k
Infosys Ltd.	Computers - software & consulting	100.9	0.66%	-0.02%	1.65% (Jan 2025)	0.66% (Sep 2025)	70.00 k
Tech Mahindra Ltd.	Computers - software & consulting	98	0.64%	-0.04%	0.85% (Jun 2025)	0.29% (Apr 2025)	70.00 k
Ultratech Cement Ltd.	Cement & cement products	91.7	0.60%	-0.02%	0.86% (May 2025)	0.6% (Sep 2025)	7.50 k

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

Detailed Portfolio Analysis

No of Debt Holding 96 (Category Avg - 41.89) | Modified Duration 4.17 Years (Category Avg - 4.37)| Yield to Maturity 7.44% (Category Avg - 7.05%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	18.91%	36.13%
CD	0.64%	0.59%
T-Bills	0.00%	0.12%
CP	0.00%	0.13%
NCD & Bonds	52.33%	33.98%
PTC	1.70%	0.99%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	18.91%	36.25%
Low Risk	53.04%	33.84%
Moderate Risk	1.63%	1.80%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
Net Receivables	Net Receivables	2.62%
TREPS	TREPS	1.97%
Nexus Select Trust	InvITs	0.82%
Embassy Office Parks Reit	InvITs	0.51%
IndiGrid Infrastructure Trust	InvITs	0.08%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st October, 2025)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

2.95vs3.17

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

1.02vs1.06

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Better risk adjusted returns

1.1vs1

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Better risk adjusted returns

0.03vs0.03

Category Avg
Jensen's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Better risk adjusted returns

-0.03vs-0.28

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Nippon India Conservative Hybrid Fund - Direct Plan - Growth	4	902.02	1.00	2.70	5.20	9.72	9.92
ICICI Prudential Regular Savings Fund - Direct Plan - Growth	3	3264.25	0.48	2.22	4.87	8.21	11.01
Parag Parikh Conservative Hybrid Fund - Direct Plan - Growth	5	3028.40	0.54	1.69	3.36	7.57	12.11
Franklin India Conservative Hybrid Fund - Direct - Growth	2	202.93	0.44	1.52	3.31	6.84	10.31
DSP Regular Savings Fund - Direct Plan - Growth	5	178.08	0.61	1.43	2.92	6.84	10.73
Baroda BNP Paribas Conservative Hybrid Fund - Direct Plan - Growth	2	812.15	0.89	2.12	3.80	6.82	10.13
Axis Conservative Hybrid Fund - Direct Plan - Growth	2	270.65	0.97	1.88	2.68	6.79	8.72
SBI Conservative Hybrid Fund - Direct Plan - Growth	1	9858.75	0.80	2.10	4.56	6.21	10.64
UTI Conservative Hybrid Fund - Direct Plan - Growth	3	1690.26	0.61	1.63	2.97	5.99	10.46
Bandhan Conservative Hybrid Fund - Direct Plan - Growth	3	101.64	0.43	2.02	2.22	5.99	8.60

Detailed Comparison

More Funds from Aditya Birla Sun Life Mutual Fund

Out of 96 mutual fund schemes offered by this AMC, 2 is/are ranked 5 * , 2 is/are ranked 4 * , 8 is/are ranked 3 * , 12 is/are ranked 2 * , 6 is/are ranked 1 * , and 66 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Aditya Birla Sun Life Liquid Fund - Direct Plan - Growth	1	49803.08	0.48	1.47	3.06	6.81	7.14
Aditya Birla Sun Life Large Cap Fund - Direct Plan - Growth	4	30000.77	1.66	3.63	6.37	4.68	15.87
Aditya Birla Sun Life Corporate Bond Fund - Direct Plan - Growth	2	27069.28	0.60	1.44	2.78	8.10	8.12
Aditya Birla Sun Life Money Manager Fund - Direct Plan - Growth	2	26757.31	0.48	1.50	3.42	7.71	7.73
Aditya Birla Sun Life Flexi Cap Fund - Direct Plan - Growth	3	23265.55	2.41	5.41	8.70	6.06	17.93
Aditya Birla Sun Life Arbitrage Fund - Direct Plan - Growth	5	22618.88	0.61	1.47	3.16	7.23	7.82
Aditya Birla Sun Life Savings Fund - Direct Plan - Growth	1	21367.00	0.55	1.64	3.62	7.92	7.74
Aditya Birla Sun Life ELSS Tax Saver Fund - Direct Plan - Growth	3	15174.87	1.50	4.06	10.31	5.54	15.30
Aditya Birla Sun Life Floating Rate Fund - Direct Plan - Growth	5	13401.97	0.57	1.58	3.58	8.08	7.98
Aditya Birla Sun Life Low Duration Fund - Direct Plan - Growth	2	13096.92	0.59	1.63	3.66	8.04	7.86