Aditya Birla Sun Life Income Fund Direct-Growth

Q: What are the returns of this mutual fund scheme?

The Aditya Birla Sun Life Income Fund Direct-Growth is a 12 yrs 9 m old fund and has delivered average annual returns of 7.86% since inception. Aditya Birla Sun Life Income Fund Direct-Growth Returns 1-Year 3-Year 5-Year 10-Year Since Inception 6.57% 7.69% 5.92% 7.54% 7.86%

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹137.1581+0.03% 1 day change	7.86% p.a.	App exclusive #NA View Ranked Funds	₹2,021 Cr

Historical NAV & returns

NAV: ₹137.1581 as on Oct 20, 2025

This fund Category average

Aditya Birla Sun Life Income Fund overview

Expense ratio	0.74% as on Sep 30, 2025
Exit load	0%
AUM (Fund size)	₹2,021 Cr
Lock-in Period	Nil
Age	12 yrs 9 m since Jan 01, 2013
Benchmark	CRISIL Medium to Long Duration Debt A-III Index
Min. investment	SIP: ₹1000 & Lumpsum: ₹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 Oct 25, 2025

Period	This fund	Category average
1 Month	0.88%	0.71%
3 Months	0.46%	0.61%
6 Months	1.14%	1.49%
1 Year	6.57%	7.16%
2 Years	8.31%	8.5%
3 Years	7.69%	7.94%
4 Years	6.21%	6.48%
5 Years	5.92%	6.01%
7 Years	7.94%	7.27%
10 Years	7.54%	7.03%

Asset allocationas on Sep 30, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

SOV 54.80004845%

AAA 36.5545564%

Cash & Call Money 7.84830722%

A1+ 0.48274458%

Top Debt Holdings

Tata Capital Housing Finance Ltd. 8.7%

Housing & Urban Development Corporation Ltd. 4.91%

Power Grid Corporation Of India Ltd. 4.9%

Andhra Pradesh State 4.78%

Allocation by Instruments

GOI Securities 38.51724675%

Debenture 23.92253436%

State Development Loan 15.997354849999999%

Bonds 7.88481342%

Other Holdings

Others 4.84%

Detailed portfolio analysis

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

Alpha	0.03 vs. 2.97 Underperformed at beating benchmark
Sharpe	0.4 vs. 2.47 Poor risk-adjusted returns
Beta	1.37 vs. 0.94 More sensitive to market's ups & downs
Standard deviation	2.31 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 9 m, having been launched on 01/01/2013. Aditya Birla Sun Life Income Fund Direct-Growth has ₹2,021 Crores worth of assets under management (AUM) as on 30/09/2025 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 20/10/2025 is ₹137.16. 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 6.76%. Since launch, it has delivered 7.88% 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 very high indicating it has lent to borrowers whose quality is excellent. 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 Tata Capital Housing Finance Ltd., Housing & Urban Development Corporation Ltd., Power Grid Corporation Of India Ltd., Andhra Pradesh State, Bajaj Finance Ltd..

...

Fund AUM	2,021 Cr as on Sep 30, 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	4,28,066 Cr as on Sep 30, 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	1Y	3Y
Aditya Birla Sun Life Credit Risk Fund	N.A.	1,053 Cr	14.44%	11.77%
Aditya Birla Sun Life Medium Term Fund	N.A.	2,734 Cr	12.05%	10.41%
Aditya Birla Sun Life Long Duration Fund	N.A.	159 Cr	6.44%	8.93%
Aditya Birla Sun Life CRISIL IBX Gilt -Apr 2029 Index Fund	N.A.	606 Cr	8.98%	8.79%
Aditya Birla Sun Life Dynamic Bond Fund	N.A.	1,918 Cr	8.29%	8.51%
Aditya Birla Sun Life CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund	N.A.	361 Cr	8.48%	8.44%

See all Debt funds from this AMC

Frequently asked questions

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

The current Net Asset Value (NAV) of the Aditya Birla Sun Life Income Fund - Direct Growth plan is approximately ₹137.1581 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The Aditya Birla Sun Life Income Fund Direct-Growth is a 12 yrs 9 m old fund and has delivered average annual returns of 7.86% since inception.

Aditya Birla Sun Life Income Fund Direct-Growth Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
6.57%	7.69%	5.92%	7.54%	7.86%

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%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

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 2,021 Cr as on Sep 30, 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
Tata Capital Housing Finance Ltd.	8.7%
Housing & Urban Development Corporation Ltd.	4.91%
Power Grid Corporation Of India Ltd.	4.9%

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	54.80004845%
AAA	36.5545564%
Cash & Call Money	7.84830722%

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 Direct-Growth?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. The whole process takes just a few minutes. Here's how it works:

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 - Direct Growth, select your investment mode (lump sum or SIP), and enter the investment amount.
Provide the required details, including the bank account you'll use for payment, and confirm your investment.

That's it. Your investment in the 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 the Aditya Birla Sun Life Income Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

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.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Return/Risk: The fund is performing poorly than its category.