Aditya Birla Sun Life Income Fund Regular-Growth

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

The Aditya Birla Sun Life Income Fund is a 29 yrs 10 m old fund and has delivered average annual returns of 8.81% since inception. Aditya Birla Sun Life Income Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 5.61% 6.6% 5.46% 6.97% 8.81%

NAV as of Sep 03, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹124.7355+0.18% 1 day change	8.81% p.a.	App exclusive #NA View Ranked Funds	₹2,304 Cr

Historical NAV & returns

NAV: ₹124.7355 as on Sep 03, 2025

This fund Category average

Aditya Birla Sun Life Income Fund overview

Expense ratio	1.16% as on Aug 31, 2025
Plan type	Regular
Exit load	0%
AUM (Fund size)	₹2,304 Cr
Lock-in Period	Nil
Age	29 yrs 10 m since Oct 09, 1995
Benchmark	CRISIL Medium to Long Duration Debt A-III Index
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
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 Sep 04, 2025

Period	This fund	Category average
1 Month	-1.29%	-1.06%
3 Months	-1.5%	-1.09%
6 Months	2.88%	3.18%
1 Year	5.61%	5.94%
2 Years	6.8%	6.97%
3 Years	6.6%	6.65%
4 Years	5.4%	5.52%
5 Years	5.46%	5.24%
7 Years	7.38%	6.43%
10 Years	6.97%	6.32%

Asset allocationas on Apr 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

AAA 51.71912264%

SOV 44.9212221%

Cash & Call Money 2.68819659%

A1+ 0.41130729%

Top Debt Holdings

Tata Capital Housing Finance Ltd. 7.63%

Housing & Urban Development Corporation Ltd. 6.54%

Power Grid Corporation Of India Ltd. 4.37%

Bajaj Finance Ltd. 4.23%

Allocation by Instruments

Bifurcation by Instrument is not available for this fund

Other Holdings

Others 0.4%

Detailed portfolio analysis

Peer comparison

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Aditya Birla Sun Life Income Fund	N.A.	2,304 Cr	29 yrs 10 m	1.16%
SBI Magnum Income Fund	N.A.	1,983 Cr	26 yrs 11 m	1.47%
Nippon India Medium to Long Duration Fund	N.A.	400 Cr	27 yrs 8 m	1.52%
ICICI Prudential Bond Fund	N.A.	2,889 Cr	17 yrs	1.03%
LIC MF Medium to Long Duration Fund	N.A.	191 Cr	26 yrs 5 m	1.22%
Aditya Birla Sun Life Income plus Arbitrage Active FoF	N.A.	121 Cr	18 yrs 9 m	0.28%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Aditya Birla Sun Life Income Fund	-1.29%	2.88%	5.61%	6.6%	5.46%	6.97%
SBI Magnum Income Fund	-0.97%	3.14%	6.2%	7.03%	5.69%	7.45%
Nippon India Medium to Long Duration Fund	-1.42%	2.37%	4.88%	6.65%	4.93%	6.79%
ICICI Prudential Bond Fund	-1.18%	3.52%	7.13%	7.48%	5.78%	7.24%
LIC MF Medium to Long Duration Fund	-1.46%	3.49%	6.61%	6.99%	4.98%	6.26%
Aditya Birla Sun Life Income plus Arbitrage Active FoF	-0.11%	4.25%	7.69%	7.22%	5.95%	6.92%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Aditya Birla Sun Life Income Fund	2.37	1.39	0.03	0.05
SBI Magnum Income Fund	1.99	1.16	0.22	0.34
Nippon India Medium to Long Duration Fund	2.41	1.4	0.05	0.06
ICICI Prudential Bond Fund	2.02	1.15	0.43	0.58
LIC MF Medium to Long Duration Fund	2.42	1.39	0.21	0.31
Aditya Birla Sun Life Income plus Arbitrage Active FoF	1.19	N.A.	0.57	0.97

View all Medium To Long Duration funds

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

Alpha	-0.43 vs. 2.16 Underperformed at beating benchmark
Sharpe	0.03 vs. 1.76 Poor risk-adjusted returns
Beta	1.39 vs. 0.62 More sensitive to market's ups & downs
Standard deviation	2.37 vs. 2.07 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 Regular-Growth is a Medium to Long Duration mutual fund scheme from Aditya Birla Sun Life Mutual Fund. This fund has been in existence for 29 yrs 10 m, having been launched on 09/10/1995. Aditya Birla Sun Life Income Fund Regular-Growth has ₹2,304 Crores worth of assets under management (AUM) as on 30/04/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Aditya Birla Sun Life Income Fund Regular-Growth as of 03/09/2025 is ₹124.74. The fund has an expense ratio of 1.16%, which is higher than what most other Medium To Long Duration funds charge.

Aditya Birla Sun Life Income Fund Regular-Growth returns of last 1-year are 5.71%. Since launch, it has delivered 8.81% average annual returns. The fund has doubled the money invested in it every 11 yrs.
Aditya Birla Sun Life Income Fund Regular-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 similar borrowers and hence the risk of default in this fund is same as 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., Bajaj Finance Ltd., REC Ltd..

...

Fund AUM	2,304 Cr as on Apr 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	90 view all schemes
Total AUM	4,05,267 Cr as on Jun 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.	985 Cr	15.96%	10.31%
Aditya Birla Sun Life Medium Term Fund	N.A.	2,338 Cr	12.61%	9.2%
Aditya Birla Sun Life Floating Rate Fund	N.A.	13,438 Cr	8.05%	7.61%
Aditya Birla Sun Life Corporate Bond Fund	N.A.	25,884 Cr	7.74%	7.56%
Aditya Birla Sun Life Money Manager Fund	N.A.	27,171 Cr	7.83%	7.52%
Aditya Birla Sun Life Savings Fund	N.A.	13,294 Cr	7.91%	7.4%

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 ₹124.7355 as of Sep 03, 2025.

What are the returns of this mutual fund scheme?

The Aditya Birla Sun Life Income Fund is a 29 yrs 10 m old fund and has delivered average annual returns of 8.81% since inception.

Aditya Birla Sun Life Income Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
5.61%	6.6%	5.46%	6.97%	8.81%

How much does this mutual fund charge as expense ratio?

The Aditya Birla Sun Life Income Fund - Direct Growth has an expense ratio of 1.16%, 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 2,304 Cr as on Apr 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.	7.63%
Housing & Urban Development Corporation Ltd.	6.54%
Power Grid Corporation Of India Ltd.	4.37%

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
AAA	51.71912264%
SOV	44.9212221%
Cash & Call Money	2.68819659%

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?

Aditya Birla Sun Life Income Fund Regular-Growth is the regular plan of the fund. For this plan of you pay 1.16% as annual charges. On the other hand if you go for the direct plan available on ET Money, you pay 0.74%. That's 0.41999999999999993% less.

Regular plans charge more because when you buy them, the fund pays commission to the agent. This is an additional expense for the fund and to cover this expense, the fund takes a bigger share from the returns generated by your investments.

So, the lower annual cost of the direct plan means you will earn 0.41999999999999993% if you opt for direct plan of Aditya Birla Sun Life Income Fund

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

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.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Chance: This fund has generated only 7.05% annual return in 70% of times for investors holding for at least 5 years.
Return/Risk: The fund is performing poorly than its category.