Aditya Birla Sun Life Savings Regular-Growth

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

The Aditya Birla Sun Life Savings Fund is a 22 yrs 4 m old fund and has delivered average annual returns of 7.42% since inception. Aditya Birla Sun Life Savings Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.91% 7.4% 6.12% 7.11% 7.42%

NAV as of Sep 03, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹555.0606+0.01% 1 day change	7.42% p.a.	App exclusive #NA View Ranked Funds	₹13,294 Cr

Historical NAV & returns

NAV: ₹555.0606 as on Sep 03, 2025

This fund Category average

Aditya Birla Sun Life Savings Fund overview

Expense ratio	0.59% as on Aug 31, 2025
Plan type	Regular
Exit load	0%
AUM (Fund size)	₹13,294 Cr
Lock-in Period	Nil
Age	22 yrs 4 m since Apr 16, 2003
Benchmark	NIFTY Ultra Short Duration Debt Index A-I
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 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 Sep 04, 2025

Period	This fund	Category average
1 Month	0.42%	0.4%
3 Months	1.63%	1.48%
6 Months	4.06%	3.62%
1 Year	7.91%	7.09%
2 Years	7.68%	7.01%
3 Years	7.4%	6.79%
4 Years	6.53%	5.99%
5 Years	6.12%	5.52%
7 Years	6.75%	5.71%
10 Years	7.11%	6.14%

Asset allocationas on Mar 31, 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

A1+ 34.49922149%

AA+ 22.99421815%

AAA 15.03076534%

SOV 12.08890992%

Top Debt Holdings

Bank Of Baroda 4.51%

Canara Bank 4.45%

Bharti Telecom Ltd. 4.23%

Shriram Finance Ltd 3.5%

Allocation by Instruments

Bifurcation by Instrument is not available for this fund

Other Holdings

Others 3.77%

Detailed portfolio analysis

Peer comparison

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Aditya Birla Sun Life Savings Fund	N.A.	13,294 Cr	22 yrs 4 m	0.59%
ICICI Prudential Ultra Short Term Fund	N.A.	16,269 Cr	14 yrs 4 m	0.8%
Sundaram Ultra Short Duration Fund	N.A.	2,551 Cr	17 yrs 8 m	1.48%
Axis Ultra Short Duration Fund	N.A.	6,122 Cr	7 yrs	1.2%
WhiteOak Capital Ultra Short Duration Fund	N.A.	475 Cr	6 yrs 3 m	1.02%
Tata Ultra Short Term Fund	N.A.	4,684 Cr	6 yrs 7 m	1.14%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Aditya Birla Sun Life Savings Fund	0.42%	4.06%	7.91%	7.4%	6.12%	7.11%
ICICI Prudential Ultra Short Term Fund	0.42%	3.84%	7.43%	7.1%	5.93%	6.99%
Sundaram Ultra Short Duration Fund	0.34%	3.27%	6.38%	6.14%	4.75%	5.18%
Axis Ultra Short Duration Fund	0.38%	3.59%	6.98%	6.67%	5.38%	4.05%
WhiteOak Capital Ultra Short Duration Fund	0.38%	3.45%	6.83%	6.53%	5.31%	3.23%
Tata Ultra Short Term Fund	0.41%	3.52%	7.0%	6.63%	5.3%	3.66%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Aditya Birla Sun Life Savings Fund	0.33	0.71	2.55	3.92
ICICI Prudential Ultra Short Term Fund	0.3	0.72	1.86	2.82
Sundaram Ultra Short Duration Fund	0.28	0.67	-1.21	-1.89
Axis Ultra Short Duration Fund	0.29	0.72	0.57	0.83
WhiteOak Capital Ultra Short Duration Fund	0.27	0.65	0.07	0.1
Tata Ultra Short Term Fund	0.27	0.68	0.44	0.59

View all Ultra Short Duration funds

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

Alpha	2.15 vs. 2.72 Underperformed at beating benchmark
Sharpe	2.55 vs. 2.23 Better risk-adjusted return
Beta	0.71 vs. 0.98 Less sensitive to market ups & downs
Standard deviation	0.33 vs. 0.23 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 Regular-Growth is a Ultra Short Duration mutual fund scheme from Aditya Birla Sun Life Mutual Fund. This fund has been in existence for 22 yrs 4 m, having been launched on 16/04/2003. Aditya Birla Sun Life Savings Regular-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 Regular-Growth as of 03/09/2025 is ₹555.06. The fund has an expense ratio of 0.59%, which is higher than what most other Ultra Short Duration funds charge.

Aditya Birla Sun Life Savings Regular-Growth returns of last 1-year are 7.92%. Since launch, it has delivered 7.43% average annual returns. The fund has doubled the money invested in it every 11 yrs.
Aditya Birla Sun Life Savings 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 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 Bank Of Baroda, Canara Bank, Bharti Telecom Ltd., Shriram Finance Ltd, Reserve Bank of India.

...

Fund AUM	13,294 Cr 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	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%

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 ₹555.0606 as of Sep 03, 2025.

What are the returns of this mutual fund scheme?

The Aditya Birla Sun Life Savings Fund is a 22 yrs 4 m old fund and has delivered average annual returns of 7.42% since inception.

Aditya Birla Sun Life Savings Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.91%	7.4%	6.12%	7.11%	7.42%

How much does this mutual fund charge as expense ratio?

The Aditya Birla Sun Life Savings Fund - Direct Growth has an expense ratio of 0.59%, 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 Cr as on 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
Bank Of Baroda	4.51%
Canara Bank	4.45%
Bharti Telecom Ltd.	4.23%

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?

Aditya Birla Sun Life Savings Regular-Growth is the regular plan of the fund. For this plan of you pay 0.59% as annual charges. On the other hand if you go for the direct plan available on ET Money, you pay 0.34%. That's 0.24999999999999994% 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 0.24999999999999994% if you opt for direct plan of Aditya Birla Sun Life Savings Fund

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

App exclusive

in Ultra Short Duration

#NA

Return Consistency: This fund is one of the best in generating consistent return in it's category.
Return Outperformance: This fund has generated highest return amongst Ultra Short 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 7.1% annual return in 70% of times for investors holding for at least 5 years.
Return/Risk: The fund is performing poorly than its category.