Aditya Birla Sun Life Savings Direct Growth

Aditya Birla Sun Life Savings Direct Growth

+7.55%
3Y annualised
+0.10% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 09 Apr '26
₹586.39
Min. for SIP
₹1,000
Fund size (AUM)
₹19,347.83 Cr
Expense ratio
0.32%
Rating
2

Return calculator

Monthly investment
₹5,000
Over the pastTotal investmentWould've becomeHistoric returnsReturns
1 year₹60,000₹61,744
+2.91%
3 years₹1,80,000₹2,00,127
+11.18%
5 years₹3,00,000₹3,57,459
+19.15%
10 years₹6,00,000₹8,49,512
+41.59%

Holdings (137)

NameSectorInstrumentsAssets
National Bank For Agriculture & Rural DevelopmentFinancialCD3.87%
Indusind Bank Ltd.FinancialCD3.68%
Punjab National BankFinancialCD3.38%
Shriram Finance LtdFinancialDebenture3.14%
Tata Teleservices (Maharashtra) Ltd.CommunicationCP2.96%
National Bank For Agriculture & Rural DevelopmentFinancialBonds2.53%
Small Industries Devp. Bank of India Ltd.FinancialCD2.47%
Tata Teleservices (Maharashtra) Ltd.CommunicationCP2.11%
Bharti Telecom Ltd.CommunicationDebenture2.04%
HDFC Bank Ltd.FinancialCD2.00%
Muthoot Finance Ltd.FinancialDebenture1.81%
Indusind Bank Ltd.FinancialCD1.78%
Axis Bank Ltd.FinancialCD1.73%
Mankind Pharma Ltd.HealthcareDebenture1.66%
Avanse Financial Services Ltd.FinancialDebenture1.55%
Power Finance Corporation Ltd.FinancialBonds1.53%
Piramal Finance Pvt. Ltd.FinancialBonds/NCD1.47%
ICICI Home Finance Company Ltd.FinancialDebenture1.39%
SK Finance Ltd.FinancialDebenture1.29%
Reserve Bank of IndiaFinancialT-Bills1.26%
Kotak Mahindra Bank Ltd.FinancialCD1.25%
Godrej Industries Ltd.Consumer StaplesNCD1.24%
Muthoot Finance Ltd.FinancialDebenture1.22%
Hinduja Leyland Finance Ltd.FinancialNCD1.21%
Export-Import Bank Of IndiaFinancialCD1.21%
Punjab National BankFinancialCD1.21%
Yes Bank Ltd.FinancialCD1.20%
National Bank For Agriculture & Rural DevelopmentFinancialBonds1.16%
JSW Energy Ltd.Capital GoodsDebenture1.03%
Reserve Bank of IndiaFinancialT-Bills1.03%
Muthoot Finance Ltd.FinancialDebenture1.01%
JSW Steel Ltd.Metals & MiningDebenture1.01%
Tata Projects Ltd.ConstructionCP1.00%
Indusind Bank Ltd.FinancialCD0.98%
Godrej Housing Finance Ltd.FinancialCP0.97%
Reserve Bank of IndiaFinancialT-Bills0.96%
Godrej Properties Ltd.ConstructionDebenture0.96%
Mahindra Rural Housing Finance Ltd.FinancialDebenture0.84%
Mindspace Business Parks REITConstructionDebenture0.83%
Haryana StateOthersSDL0.78%
Piramal Finance Ltd.FinancialDebenture0.78%
360 ONE Wealth Ltd.FinancialNCD0.78%
GIC Housing Finance Ltd.FinancialDebenture0.77%
Godrej Properties Ltd.ConstructionNCD0.77%
Shriram Pistons & Rings LtdAutomobileDebenture0.77%
Reserve Bank of IndiaFinancialT-Bills0.77%
Mindspace Business Parks REITConstructionDebenture0.77%
Shriram Pistons & Rings LtdAutomobileDebenture0.77%
Power Finance Corporation Ltd.FinancialBonds/NCD0.77%
REC Ltd.FinancialDebenture0.76%
Bharti Telecom Ltd.CommunicationCP0.75%
Small Industries Devp. Bank of India Ltd.FinancialCD0.75%
Vedanta Ltd.Metals & MiningDebenture0.71%
Can Fin Homes Ltd.FinancialDebenture0.65%
Hinduja Housing FInance Ltd.FinancialDebenture0.65%
Gujarat StateConstructionSDL0.65%
Knowledge Realty TrustConstructionDebenture0.63%
HDFC Bank Ltd.FinancialCD0.61%
JTPM Metal Traders Ltd.Metals & MiningDebenture0.57%
GOISovereignGOI Sec0.53%
Muthoot Finance Ltd.FinancialDebenture0.52%
Fullerton India Home Finance Ltd.FinancialNCD0.52%
Sundaram Home Finance Ltd.FinancialDebenture0.52%
GIC Housing Finance Ltd.FinancialDebenture0.52%
LIC Housing Finance Ltd.FinancialDebenture0.52%
Tata Motors Ltd.AutomobileDebenture0.52%
Arka Fincap Ltd.FinancialDebenture0.52%
Torrent Pharmaceuticals Ltd.HealthcareDebenture0.51%
Axis Bank Ltd.FinancialCD0.50%
ICICI Bank Ltd.FinancialCD0.49%
Godrej Housing Finance Ltd.FinancialCP0.48%
Yes Bank Ltd.FinancialCD0.48%
REC Ltd.FinancialDebenture0.45%
Jubilant Bevco Ltd.Consumer StaplesDebenture0.40%
National Bank For Agriculture & Rural DevelopmentFinancialDebenture0.39%
Vedanta Ltd.Metals & MiningDebenture0.39%
National Bank For Agriculture & Rural DevelopmentFinancialDebenture0.39%
Godrej Industries Ltd.Consumer StaplesDebenture0.39%
Mankind Pharma Ltd.HealthcareDebenture0.39%
Hero Housing Finance Ltd.FinancialDebenture0.39%
Bank Of BarodaFinancialCD0.37%
Muthoot Finance Ltd.FinancialCP0.37%
Nuvama Wealth Finance Ltd.FinancialDebenture0.34%
Madhya Pradesh StateOthersSDL0.31%
Rajasthan StateOthersSDL0.27%
RJ Corp Ltd.Consumer StaplesDebenture0.27%
Tamilnadu StateOthersSDL0.27%
Tamilnadu StateOthersSDL0.26%
Rajasthan StateOthersSDL0.26%
Mankind Pharma Ltd.HealthcareBonds/Deb0.26%
REC Ltd.FinancialNCD0.26%
Aditya Birla Housing Finance Ltd.FinancialNCD0.26%
Reliance Life Sciences Pvt Ltd.HealthcareDebenture0.26%
LIC Housing Finance Ltd.FinancialNCD0.26%
Torrent Power Ltd.EnergyNCD0.26%
ONGC Petro Additions Ltd.EnergyCP0.26%
LIC Housing Finance Ltd.FinancialNCD0.26%
REC Ltd.FinancialDebenture0.26%
Bank Of BarodaFinancialCD0.26%
HDFC Bank Ltd.FinancialCD0.24%
Haryana StateOthersSDL0.24%
Bharti Telecom Ltd.CommunicationDebenture0.23%
REC Ltd.FinancialDebenture0.21%
Godrej Industries Ltd.Consumer StaplesDebenture0.21%
Torrent Power Ltd.EnergyDebenture0.18%
Reserve Bank of IndiaFinancialT-Bills0.18%
GOISovereignGOI Sec0.16%
Gujarat StateConstructionSDL0.13%
GOISovereignGOI Sec0.13%
Torrent Power Ltd.EnergyDebenture0.13%
REC Ltd.FinancialDebenture0.13%
Aditya Birla Finance Ltd.FinancialDebenture0.13%
REC Ltd.FinancialDebenture0.13%
GOISovereignGOI Sec0.13%
Muthoot Finance Ltd.FinancialCP0.12%
SMFG India Credit Company Ltd.FinancialCP0.12%
Muthoot Finance Ltd.FinancialCP0.12%
Jubilant Beverages Ltd.Consumer StaplesDebenture0.12%
GOISovereignGOI Sec0.11%
GOISovereignGOI Sec0.11%
REC Ltd.FinancialDebenture0.11%
LIC Housing Finance Ltd.FinancialDebenture0.09%
Bihar StateOthersSDL0.08%
Pipeline Infrastructure (India) Pvt. Ltd.ConstructionDebenture0.08%
Rajasthan StateOthersSDL0.05%
Rajasthan StateOthersSDL0.05%
Rajasthan StateOthersSDL0.05%
Rajasthan StateOthersSDL0.05%
Bihar StateOthersSDL0.05%
Maharashtra StateOthersSDL0.05%
PNB Housing Finance Ltd.FinancialBonds0.05%
Chhattisgarh StateOthersSDL0.03%
Haryana StateOthersSDL0.03%
Nagaland StateOthersSDL0.03%
Chhattisgarh StateOthersSDL0.03%
Andhra Pradesh StateFinancialSDL0.03%
National Bank For Agriculture & Rural DevelopmentFinancialDebenture0.02%
See All

Minimum investments

Min. for 1st investment
₹1,000
Min. for 2nd investment
₹1,000
Min. for SIP
₹1,000

Returns and rankings

Annualised returns
Absolute returns
Name3Y5Y10YAll
Fund returns+7.5%+6.5%+7.1%+7.7%
Category average (Debt Ultra Short Duration)+6.8%+5.7%+6.0%--
Rank (Debt Ultra Short Duration)242--

Exit load, stamp duty and tax

Exit load

Nil

Stamp duty on investment: 0.005% (from July 1st, 2020)

from July 1st 2020

Tax implication

Returns are taxed as per your Income Tax slab.
Check past data

Fund management

SDC
Sunaina da Cunha
Jun 2014 - Present
View details

MG
Monika Gandhi
Mar 2021 - Present
View details

Education
Ms. Gandhi is CA, CAIIB and B.Com.(Hons)
Experience
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.

About Aditya Birla Sun Life Savings Direct Growth

Aditya Birla Sun Life Savings Direct Growth is a Debt Mutual Fund Scheme launched by Aditya Birla Sun Life Mutual Fund. This scheme was made available to investors on 23 Dec 1994. Sunaina da Cunha is the Current Fund Manager of Aditya Birla Sun Life Savings Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹4,35,493 Cr and the Latest NAV as of 09 Apr 2026 is ₹586.39. The Aditya Birla Sun Life Savings Direct Growth is rated Moderate risk. Minimum SIP Investment is set to ₹1,000. Minimum Lumpsum Investment is ₹1,000. ;

Investment Objective

The scheme aims to generate regular income from a portfolio of debt and money market instruments, cash and cash equivalents.
Fund benchmarkNIFTY Ultra Short Duration Debt Index A-I

Fund house

Rank (total assets)#4 in India
Total AUM₹4,35,493.48 Cr
Date of Incorporation23 Dec 1994
Launch Date23 Dec 1994
AddressOne World Center, Tower 1, 17th Floor, Jupiter Mill CompoundSenapati Bapat Marg, Elphinstone Road Mumbai 400013
CustodianCitibank NA
Registrar & Transfer AgentCams
Address7th Floor, Tower II, Rayala Towers, 158, Anna Salai,