Aditya Birla Sun Life Regular Savings Fund

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

The Aditya Birla Sun Life Regular Savings Fund is a 21 yrs 9 m old fund and has delivered average annual returns of 9.28% since inception. Aditya Birla Sun Life Regular Savings Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.82% 8.9% 8.46% 8.92% 9.28%

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹68.2588-0.22% 1 day change	9.28% p.a.	App exclusive #NA View Ranked Funds	₹1,541 Cr

Historical NAV & returns

NAV: ₹68.2588 as on Feb 02, 2026

This fund Category average

Aditya Birla Sun Life Regular Savings Fund overview

AUM (Fund size)	₹1,541 Cr
Exit load	1.0% 1% for redemption within 90 days.!
Lock-in Period	Nil
Age	21 yrs 9 m since Apr 12, 2004
Benchmark	CRISIL Hybrid 85+15 Conservative Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	1.83% as on Feb 02, 2026
Plan type	Regular
Risk	Moderately High
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Aditya Birla Sun Life Regular Savings 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 Feb 03, 2026

Period	This fund	Category average
1 Month	-0.93%	-0.96%
3 Months	-0.37%	-0.44%
6 Months	1.57%	0.8%
1 Year	7.82%	6.29%
2 Years	8.49%	7.64%
3 Years	8.9%	8.86%
4 Years	7.94%	7.44%
5 Years	8.46%	7.5%
7 Years	8.78%	8.09%
10 Years	8.92%	7.93%

Asset allocationas on Dec 31, 2025

Large Cap 15.55%

Mid Cap 3.07%

Small Cap 2.56%

Other Cap 0%

Top holdings

HDFC Bank Ltd.1.93%

ICICI Bank Ltd.1.61%

Bharti Airtel Ltd.1.23%

Hindalco Industries Ltd.1.09%

Top sectors

Financial 7.17%

Healthcare 2.58%

Technology 1.9000000000000001%

Automobile 1.37%

AAA 36.19415495%

SOV 19.35730028%

AA 9.87052584%

AA+ 4.92217084%

Top Debt Holdings

Power Grid Corporation Of India Ltd. 5.14%

Cholamandalam Investment and Finance Company Ltd. 3.61%

Small Industries Devp. Bank of India Ltd. 3.27%

Bharti Telecom Ltd. 3.23%

Allocation by Instruments

Debenture 37.48142733000001%

GOI Securities 10.996899480000002%

Bonds 8.30341331%

State Development Loan 7.43022679%

Other Holdings

Nexus Select Trust 0.55%

Others 0.32%

Embassy Office Parks REIT 0.31%

Aditya Birla Sun Life CRISIL-IBX AAA NBFC-HFC Index-Sep 2026 Fund Direct-Growth 0.06%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Aditya Birla Sun Life Regular Savings Fund	-0.93%	1.57%	7.82%	8.9%	8.46%	8.92%
ICICI Prudential Regular Savings Fund	-0.85%	1.94%	7.25%	10.05%	8.75%	9.65%
SBI Conservative Hybrid Fund	-1.28%	1.03%	6.26%	9.47%	9.06%	8.96%
HDFC Hybrid Debt Fund	-0.98%	0.66%	5.07%	9.44%	9.23%	9.25%
Nippon India Conservative Hybrid Fund	-0.32%	3.51%	9.0%	9.04%	8.28%	6.02%
DSP Regular Savings Fund	-0.83%	1.27%	6.75%	9.67%	8.01%	7.45%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Aditya Birla Sun Life Regular Savings Fund	3.01	0.75	0.87	1.58
ICICI Prudential Regular Savings Fund	2.91	0.74	1.23	1.87
SBI Conservative Hybrid Fund	3.46	0.85	0.92	1.47
HDFC Hybrid Debt Fund	3.88	0.97	0.82	1.41
Nippon India Conservative Hybrid Fund	1.89	0.45	1.4	2.36
DSP Regular Savings Fund	3.22	0.81	1.04	1.97

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Aditya Birla Sun Life Regular Savings Fund	N.A.	1,541 Cr	21 yrs 9 m	1.83%
ICICI Prudential Regular Savings Fund	N.A.	3,359 Cr	21 yrs 11 m	1.72%
SBI Conservative Hybrid Fund	N.A.	9,851 Cr	24 yrs 11 m	1.54%
HDFC Hybrid Debt Fund	N.A.	3,354 Cr	22 yrs 2 m	1.76%
Nippon India Conservative Hybrid Fund	N.A.	933 Cr	22 yrs 1 m	1.87%
DSP Regular Savings Fund	N.A.	184 Cr	21 yrs 9 m	1.21%

View all Conservative Hybrid funds

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

Alpha	0.28 vs. 2.77 Underperformed at beating benchmark
Sharpe	0.87 vs. 2.91 Poor risk-adjusted returns
Beta	0.75 vs. 1.05 Less sensitive to market ups & downs
Standard deviation	3.01 vs. 3.47 More stable returns

Compare Aditya Birla Sun Life Regular Savings Fund in detail with

About this fund

About Aditya Birla Sun Life Regular Savings Fund

Aditya Birla Sun Life Regular Savings Fund is a Conservative Hybrid mutual fund scheme from Aditya Birla Sun Life Mutual Fund. This fund has been in existence for 21 yrs 9 m, having been launched on 12/04/2004. Aditya Birla Sun Life Regular Savings Fund has ₹1,541 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Aditya Birla Sun Life Regular Savings Fund as of 02/02/2026 is ₹68.26. The fund has an expense ratio of 1.83%, which is higher than what most other Conservative Hybrid funds charge. Currently, the fund has a 21.18% allocation to equity and 74.66% to Debt.

Aditya Birla Sun Life Regular Savings Fund returns of last 1-year are 7.80%. Since launch, it has delivered 9.25% average annual returns. The fund has doubled the money invested in it every 10 yrs.
Aditya Birla Sun Life Regular Savings Fund 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 above average.
The fund's equity portion is primarily invested in Financial, Healthcare, Technology, Automobile, Construction sectors. It has taken less exposure in Financial, Healthcare sectors compared to other funds in the category.
The debt portion of the fund has moderate credit quality indicating the quality of borrowers it has lent it to is good.
The fund's top 5 holdings are in Power Grid Corporation Of India Ltd., Cholamandalam Investment and Finance Company Ltd., Small Industries Devp. Bank of India Ltd., Bharti Telecom Ltd., JTPM Metal Traders Ltd..

...

Fund AUM	1,541 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

Fund managers

Harshil Suvarnkar

Mr. Suvarnkar has doneB.Com, Masters in Management Studies (Finance) and Post Graduate Diploma in Securities Law. Prior to Joining Aditya Birla Sun Life MF, he has worked with Indiabulls Housing Finance Limited,

Mohit Sharma

Mr. Sharma is B Tech (IIT - Madras) and PGDCM (IIM Calcutta). Prior to joining Aditya Birla Sun Life AMC, he ran his own healthcare-tech business (June 2012 - May 2015). he has also worked as an Interest Rates Trader in Standard Chartered Bank (May 2007 - June 2011) and ICICI Bank Ltd (June 2006 - April 2007). He started his career in the Equity Research in Irevna Ltd (June 2005 - June 2006).

Investment objective

The scheme primarily seeks to generate regular income through a predominant exposure to debt and money market instruments. It also aims at capital growth through an equity exposure of maximum 25 per cent.

Aditya Birla Sun Life Mutual Fund details

No. of schemes	88 view all schemes
Total AUM	4,47,038 Cr as on Dec 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	1Y	5Y
Aditya Birla Sun Life Multi-Asset Omni FoF	N.A.	295 Cr	18.55%	14.51%
Aditya Birla Sun Life Dynamic Asset Allocation Omni FoF	N.A.	234 Cr	9.21%	13.28%
Aditya Birla Sun Life Multi - Asset Passive FoF	N.A.	23 Cr	16.0%	N.A.
Aditya Birla Sun Life Aggressive Hybrid Omni FoF	N.A.	40 Cr	7.83%	11.28%
Aditya Birla Sun Life Equity Hybrid '95 Fund	N.A.	7,533 Cr	7.18%	11.24%
Aditya Birla Sun Life Balanced Advantage Fund	N.A.	8,944 Cr	9.39%	10.58%

See all Hybrid funds from this AMC

Frequently asked questions

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

The current Net Asset Value (NAV) of the Aditya Birla Sun Life Regular Savings Fund plan is approximately ₹68.2588 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The Aditya Birla Sun Life Regular Savings Fund is a 21 yrs 9 m old fund and has delivered average annual returns of 9.28% since inception.

Aditya Birla Sun Life Regular Savings Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.82%	8.9%	8.46%	8.92%	9.28%

How much does this mutual fund charge as expense ratio?

The Aditya Birla Sun Life Regular Savings Fund has an expense ratio of 1.83%, 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 Regular Savings Fund currently has assets under management (AUM) or fund size valued at approximately 1,541 Cr as on Dec 31, 2025.

What are the top stock holdings of Aditya Birla Sun Life Regular Savings Fund?

The Aditya Birla Sun Life Regular Savings Fund's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
HDFC Bank Ltd.	1.93%
ICICI Bank Ltd.	1.61%
Bharti Airtel Ltd.	1.23%
Hindalco Industries Ltd.	1.09%
Bajaj Finserv Ltd.	0.99%
Reliance Industries Ltd.	0.76%
Tech Mahindra Ltd.	0.72%
Infosys Ltd.	0.67%
Fortis Healthcare Ltd.	0.65%
State Bank of India	0.64%

What are the top sectors Aditya Birla Sun Life Regular Savings Fund has invested in?

The Aditya Birla Sun Life Regular Savings Fund's equity portion is primarily invested in the following sectors -

Sector	Percentage of Portfolio
Financial	7.17%
Healthcare	2.58%
Technology	1.9000000000000001%
Automobile	1.37%
Communication	1.23%
Metals & Mining	1.09%
Services	1.03%
Capital Goods	0.95%
Energy	0.92%
Consumer Discretionary	0.8400000000000001%

To whom does Aditya Birla Sun Life Regular Savings Fund lend to?

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

Holding Name	Percentage of Portfolio
Power Grid Corporation Of India Ltd.	5.14%
Cholamandalam Investment and Finance Company Ltd.	3.61%
Small Industries Devp. Bank of India Ltd.	3.27%

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 Regular Savings Fund's debt portion's allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AAA	36.19415495%
SOV	19.35730028%
AA	9.87052584%

What is risk level of Aditya Birla Sun Life Regular Savings Fund?

This is a Conservative Hybrid fund comes with Moderately High risk.

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

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

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

Redeeming your investments in the Aditya Birla Sun Life Regular Savings 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 Conservative Hybrid

#NA

Return Outperformance: This fund has generated highest return amongst Conservative Hybrid funds in the last 10 Years.
Return/Risk: The fund is performing poorly than its category.
Exit Load: 1% for redemption within 90 days.