Aditya Birla Sun Life Income Fund Direct-Growth

Q: What are the returns of Aditya Birla Sun Life Income Fund?

The Aditya Birla Sun Life Income Fund is a 12 yrs 3 m old fund and has delivered average annual returns of 8.11% since inception. Aditya Birla Sun Life Income Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 11.42% 7.65% 7.31% 7.8% 8.11%

NAV as of Apr 23, 2025	Returns since inception	ET Money Rank	VRO Ratings
₹135.566+0.08% 1 day change	8.11% p.a.	#NA View Ranked Funds	3

Historical NAV & returns

NAV: ₹135.566 as on Apr 23, 2025

This fund Category average

Aditya Birla Sun Life Income Fund overview

VRO rating	3
Expense ratio	0.74% as on Mar 31, 2025
Exit load	0% An exit load of 1% shall be applicable if units are redeemed/ switched out within 180 days from the date of allotment. !
AUM (Fund size)	₹2,242 Crs
Lock-in	No Lockin
Age	12 yrs 3 m since Jan 01, 2013
Benchmark	CRISIL Medium to Long Duration Debt A-III Index
Min. investment	SIP ₹1000 & Lump. ₹1000
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Aditya Birla Sun Life Income Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Apr 24, 2025

Period	This fund	Category average
1 month	2.43%	2.29%
3 months	3.84%	3.8%
6 months	5.48%	5.51%
1 year	11.42%	11.29%
3 years	7.65%	8.15%
5 years	7.31%	7.02%
7 years	8.21%	7.43%
10 years	7.8%	7.29%

Asset allocationas on Mar 31, 2025

Large Cap 0.0%

Mid Cap 0.0%

Small Cap 0.0%

Other Cap 0.0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

SOV 53.95208353%

AAA 34.13629416%

Cash & Call Money 11.22772828%

A1+ 0.41858903%

Top Debt Holdings

Bajaj Finance Ltd. 4.51%

Tata Capital Housing Finance Ltd. 4.49%

National Bank For Agriculture & Rural Development 2.24%

Chhattisgarh State 1.69%

Allocation by Instruments

GOI Securities 50.772284969999994%

Debenture 21.362700939999996%

Net Receivables 10.0384598%

Bonds 5.162398919999999%

Other Holdings

Others 1.19%

Peer comparison

Fund name	ETM Rank	AUM (in Crs.)	Fund age	Expense ratio
Aditya Birla Sun Life Income Fund	N.A.	₹2,242 Crs	12 yrs 3 m	0.74%
Nippon India Income Fund	N.A.	₹420 Crs	12 yrs 3 m	0.67%
SBI Magnum Income Fund	N.A.	₹1,918 Crs	12 yrs 3 m	0.77%
ICICI Prudential Bond Fund	N.A.	₹2,816 Crs	12 yrs 3 m	0.62%
Canara Robeco Income Fund	N.A.	₹119 Crs	12 yrs 3 m	0.8%
LIC MF Medium to Long Duration Fund	N.A.	₹191 Crs	12 yrs 3 m	0.21%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Aditya Birla Sun Life Income Fund	2.43%	5.48%	11.42%	7.65%	7.31%	7.8%
Nippon India Income Fund	2.42%	5.67%	11.59%	8.63%	6.86%	8.03%
SBI Magnum Income Fund	2.41%	5.57%	11.23%	8.31%	7.54%	8.37%
ICICI Prudential Bond Fund	2.42%	6.07%	11.73%	8.59%	7.54%	8.05%
Canara Robeco Income Fund	2.1%	5.2%	11.0%	7.62%	6.61%	7.53%
LIC MF Medium to Long Duration Fund	2.64%	6.07%	12.25%	8.66%	6.56%	7.08%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Aditya Birla Sun Life Income Fund	2.33	1.45	0.19	0.26
Nippon India Income Fund	2.17	1.3	0.73	1.31
SBI Magnum Income Fund	1.84	1.14	0.61	0.89
ICICI Prudential Bond Fund	1.8	1.1	0.81	1.28
Canara Robeco Income Fund	2.2	1.39	0.25	0.38
LIC MF Medium to Long Duration Fund	2.31	1.43	0.59	0.95

View all Medium To Long Duration funds

Key risk & return ratios Compared to other funds in the category

Alpha	-0.29 vs. 1.95 Underperformed at beating benchmark
Sharpe	0.19 vs. 1.98 Poor risk-adjusted returns
Beta	1.45 vs. 0.95 More sensitive to market's ups & downs
Standard deviation	2.33 vs. 2.02 More volatile performance

Compare Aditya Birla Sun Life Income Fund in detail with

About this fund

About Aditya Birla Sun Life Income Fund

Aditya Birla Sun Life Income Fund Direct-Growth is a Medium to Long Duration mutual fund scheme from Aditya Birla Sun Life Mutual Fund. This fund has been in existence for 12 yrs 3 m, having been launched on 01/01/2013. Aditya Birla Sun Life Income Fund Direct-Growth has ₹2,242 Crores worth of assets under management (AUM) as on 31/03/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Aditya Birla Sun Life Income Fund Direct-Growth as of 23/04/2025 is ₹135.57. The fund has an expense ratio of 0.74%, which is close to what most other Medium To Long Duration funds charge.

Aditya Birla Sun Life Income Fund Direct-Growth returns of last 1-year are 11.34%. Since launch, it has delivered 8.11% average annual returns. The fund has doubled the money invested in it every 10 yrs.
Aditya Birla Sun Life Income Fund Direct-Growth scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is below average.
The fund's credit profile is high indicating it has lent to borrowers whose quality is great. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in Bajaj Finance Ltd., Tata Capital Housing Finance Ltd., National Bank For Agriculture & Rural Development, Chhattisgarh State, HDB Financial Services Ltd..

...

Fund AUM	₹2,242 Crs as on Mar 31, 2025
Scheme document	View Scheme Document

Fund managers

Bhupesh Bameta

Mr. Bameta has done B.Tech (IIT Kanpur), CFA Charterholder (CFA Institute, USA) Prior to joining Aditya Birla Sun Life Mutual Fund as an Analyst, Fixed Income. He was the Head of Research in Forex and Rates Desk at Edelweiss Securities Limited, covering global and Indian forex markets and economies. He was also associated with Quant Capital for 6 years as an Economist and was covering Indian and global economy and markets.

Investment objective

The scheme seeks to generate consistent income through superior yields on its investment at relatively moderate levels of risk through a diversified investment approach.

Aditya Birla Sun Life Mutual Fund details

No. of schemes	89 view all schemes
Total AUM	₹3,82,890 Crs as on Mar 31, 2025
Address	One World Center, Tower 1, 17th Floor, Jupiter Mill Compound Senapati Bapat Marg, Elphinstone Road Mumbai, 400013

More funds from Aditya Birla Sun Life Mutual Fund

Fund name	ETM Rank	AUM (in Crs.)	1Y	3Y
Aditya Birla Sun Life Medium Term Fund	N.A.	₹2,206 Crs	15.37%	15.04%
Aditya Birla Sun Life Credit Risk Fund	N.A.	₹970 Crs	18.16%	11.58%
Aditya Birla Sun Life Long Duration Fund	N.A.	₹150 Crs	13.77%	N.A.
Aditya Birla Sun Life Dynamic Bond Fund	N.A.	₹1,767 Crs	12.51%	9.46%
Aditya Birla Sun Life Government Securities Fund	N.A.	₹1,972 Crs	12.86%	8.53%
Aditya Birla Sun Life Short Term Fund	N.A.	₹8,068 Crs	10.04%	7.92%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Aditya Birla Sun Life Income Fund?

The current Net Asset Value (NAV) of the Aditya Birla Sun Life Income Fund - Direct Growth plan is approximately ₹135.566 as of Apr 23, 2025.

What are the returns of this mutual fund scheme?

The Aditya Birla Sun Life Income Fund is a 12 yrs 3 m old fund and has delivered average annual returns of 8.11% since inception.

Aditya Birla Sun Life Income Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
11.42%	7.65%	7.31%	7.8%	8.11%

How much does this mutual fund charge as expense ratio?

The Aditya Birla Sun Life Income Fund - Direct Growth has an expense ratio of 0.74%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

What is the AUM or fund size of this mutual fund?

The Aditya Birla Sun Life Income Fund currently has assets under management (AUM) or fund size valued at approximately ₹2,242 Crs crore as of Mar 31, 2025.

To whom does Aditya Birla Sun Life Income Fund lend to?

The top 3 debt holdings of Aditya Birla Sun Life Income Fund are as follows

Holding Name	Percentage of Portfolio
Bajaj Finance Ltd.	4.51%
Tata Capital Housing Finance Ltd.	4.49%
National Bank For Agriculture & Rural Development	2.24%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Aditya Birla Sun Life Income Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
SOV	53.95208353%
AAA	34.13629416%
Cash & Call Money	11.22772828%

What is risk level of Aditya Birla Sun Life Income Fund?

This is a Medium To Long Duration fund comes with Moderate risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How do I invest in Aditya Birla Sun Life Income Fund?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. It is just a matter of a few minutes. Here's how:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for Aditya Birla Sun Life Income Fund and choose the investment mode (Lump sum investment or a SIP). Then, enter your investment amount.
Fill in additional required details, including the bank account you'll use for payment, and confirm.

All set! Your investment in Aditya Birla Sun Life Income Fund is complete.

How can I redeem my investments in Aditya Birla Sun Life Income Fund?

Redeeming your investments in Aditya Birla Sun Life Income Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in Aditya Birla Sun Life Income Fund from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

in Medium to Long Duration

#NA

Return Outperformance: This fund has generated highest return amongst Medium to Long Duration funds in the last 10 Years.
Exit Load: This fund has no exit load.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Chance: This fund has generated only 7.48% annual return in 70% of times for investors holding for at least 5 years.
Return/Risk: The fund is performing poorly than its category.