Aditya Birla Sun Life Savings Direct-Growth

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

The Aditya Birla Sun Life Savings Fund is a 12 yrs 3 m old fund and has delivered average annual returns of 7.77% since inception. Aditya Birla Sun Life Savings Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 8.17% 7.24% 6.49% 7.34% 7.77%

NAV as of Apr 23, 2025	Returns since inception	ET Money Rank	VRO Ratings
₹550.7615+0.04% 1 day change	7.77% p.a.	#NA View Ranked Funds	2

Historical NAV & returns

NAV: ₹550.7615 as on Apr 23, 2025

This fund Category average

Aditya Birla Sun Life Savings Fund overview

VRO rating	2
Expense ratio	0.34% as on Mar 31, 2025
Exit load	0%
AUM (Fund size)	₹13,294 Crs
Lock-in	No Lockin
Age	12 yrs 3 m since Jan 01, 2013
Benchmark	NIFTY Ultra Short Duration Debt Index A-I
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 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 Apr 24, 2025

Period	This fund	Category average
1 month	1.03%	0.91%
3 months	2.28%	2.16%
6 months	4.2%	3.96%
1 year	8.17%	7.8%
3 years	7.24%	7.01%
5 years	6.49%	6.02%
7 years	6.92%	6.21%
10 years	7.34%	6.74%

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

A1+ 34.49922149%

AA+ 22.99421815%

AAA 15.03076534%

SOV 12.08890992%

Top Debt Holdings

Reserve Bank of India 8.69%

Axis Bank Ltd. 5.11%

Canara Bank 5.02%

Bharti Telecom Ltd. 3.67%

Allocation by Instruments

Debenture 39.79480897%

Certificate of Deposit 24.01576258%

Non Convertible Debenture 12.381394%

Treasury Bills 8.686568959999999%

Other Holdings

Aditya Birla Sun Life Liquid Fund Direct-Growth 2.45%

Others 2.32%

Peer comparison

Fund name	ETM Rank	AUM (in Crs.)	Fund age	Expense ratio
Aditya Birla Sun Life Savings Fund	N.A.	₹13,294 Crs	12 yrs 3 m	0.34%
ICICI Prudential Ultra Short Term Fund	N.A.	₹12,674 Crs	12 yrs 3 m	0.39%
Axis Ultra Short Duration Fund	N.A.	₹4,801 Crs	6 yrs 7 m	0.36%
Sundaram Ultra Short Duration Fund	N.A.	₹1,723 Crs	12 yrs 3 m	0.24%
WhiteOak Capital Ultra Short Duration Fund	N.A.	₹395 Crs	5 yrs 11 m	0.43%
Tata Ultra Short Term Fund	N.A.	₹3,938 Crs	6 yrs 3 m	0.26%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Aditya Birla Sun Life Savings Fund	1.03%	4.2%	8.17%	7.24%	6.49%	7.34%
ICICI Prudential Ultra Short Term Fund	0.95%	4.04%	7.93%	7.23%	6.53%	7.76%
Axis Ultra Short Duration Fund	0.95%	4.05%	8.01%	7.25%	6.25%	4.42%
Sundaram Ultra Short Duration Fund	0.93%	4.01%	7.89%	7.16%	5.97%	6.25%
WhiteOak Capital Ultra Short Duration Fund	0.87%	3.85%	7.59%	6.83%	5.74%	3.36%
Tata Ultra Short Term Fund	0.94%	4.09%	8.01%	7.19%	6.06%	3.93%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Aditya Birla Sun Life Savings Fund	0.47	0.97	1.48	1.4
ICICI Prudential Ultra Short Term Fund	0.42	0.9	1.7	1.76
Axis Ultra Short Duration Fund	0.44	0.97	1.67	1.57
Sundaram Ultra Short Duration Fund	0.4	0.87	1.63	1.64
WhiteOak Capital Ultra Short Duration Fund	0.4	0.88	0.91	0.86
Tata Ultra Short Term Fund	0.44	0.96	1.55	1.47

View all Ultra Short Duration funds

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

Alpha	2.71 vs. 3.16 Underperformed at beating benchmark
Sharpe	1.48 vs. 3.27 Poor risk-adjusted returns
Beta	0.97 vs. 0.97 Less sensitive to market ups & downs
Standard deviation	0.47 vs. 0.42 More volatile performance

Compare Aditya Birla Sun Life Savings Fund in detail with

About this fund

About Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Direct-Growth is a Ultra Short 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 Savings Direct-Growth has ₹13,294 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 Savings Direct-Growth as of 23/04/2025 is ₹550.76. The fund has an expense ratio of 0.34%, which is close to what most other Ultra Short Duration funds charge.

Aditya Birla Sun Life Savings Direct-Growth returns of last 1-year are 8.19%. Since launch, it has delivered 7.77% average annual returns. The fund has doubled the money invested in it every 10 yrs.
Aditya Birla Sun Life Savings Direct-Growth scheme's ability to deliver returns consistently is lower than most funds of its category. Its ability to control losses in a falling market is above average.
The fund's credit profile is moderate indicating it has lent to borrowers whose quality is good. 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 Reserve Bank of India, Axis Bank Ltd., Canara Bank, Bharti Telecom Ltd., Nirma Ltd..

...

Fund AUM	₹13,294 Crs as on Mar 31, 2025
Scheme document	View Scheme Document

Fund managers

Sunaina da Cunha

Ms. Cunha is a B.Com (H) and MBA from FMS, Delhi. Prior to joining Aditya Birla Sun Life Asset Management Company, she has worked with Aditya Birla Management Corporation Ltd.

Monika Gandhi

Ms. Gandhi is CA, CAIIB and B.Com.(Hons) Prior to joining Aditya Birla Sun life Mutual Fund, she was a Deputy General Manager in IDBI Bank for 13 years wherein she handled project appraisal, credit evaluation and credit monitoring for Large and Mid-Corporates.

Kaustubh Gupta

Mr. Gupta is a B.Com and a Chartered Accountant. Prior to joining Aditya Birla Sun Life AMC he has worked with ICICI Bank.

Investment objective

The scheme aims to generate regular income from a portfolio of debt and money market instruments, cash and cash equivalents.

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 Savings Fund?

The current Net Asset Value (NAV) of the Aditya Birla Sun Life Savings Fund - Direct Growth plan is approximately ₹550.7615 as of Apr 23, 2025.

What are the returns of this mutual fund scheme?

The Aditya Birla Sun Life Savings Fund is a 12 yrs 3 m old fund and has delivered average annual returns of 7.77% since inception.

Aditya Birla Sun Life Savings Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
8.17%	7.24%	6.49%	7.34%	7.77%

How much does this mutual fund charge as expense ratio?

The Aditya Birla Sun Life Savings Fund - Direct Growth has an expense ratio of 0.34%, 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 Savings Fund currently has assets under management (AUM) or fund size valued at approximately ₹13,294 Crs crore as of Mar 31, 2025.

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

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

Holding Name	Percentage of Portfolio
Reserve Bank of India	8.69%
Axis Bank Ltd.	5.11%
Canara Bank	5.02%

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 Savings Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
A1+	34.49922149%
AA+	22.99421815%
AAA	15.03076534%

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

This is a Ultra Short 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 Savings 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 Savings 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 Savings Fund is complete.

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

Redeeming your investments in Aditya Birla Sun Life Savings 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 Savings Fund from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

in Ultra Short Duration

#NA

Return Consistency: This fund is one of the best in generating consistent return in it's category.
Age: This is the oldest Ultra Short Duration fund.
Exit Load: This fund has no exit load.
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.