Aditya Birla Sun Life Savings Direct Growth

Aditya Birla Sun Life Savings Direct Growth

+7.48%
3Y annualised
+0.11% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 09 Jun '26
₹592.59
Min. for SIP
₹1,000
Fund size (AUM)
₹19,611.34 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₹1,99,825
+11.01%
5 years₹3,00,000₹3,57,491
+19.16%
10 years₹6,00,000₹8,48,631
+41.44%

Holdings (148)

NameSectorInstrumentsAssets
GOVERNMENT OF INDIA 37222 182 DAYS TBILL 18SP26 FV RS 100FinancialTreasury Bills4.90%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT CD 18MAR27FinancialCertificate of Deposit3.72%
INDUSIND BANK LTD. CD 14DEC26FinancialCertificate of Deposit3.59%
HDFC BANK LIMITED CD 11SEP26FinancialCertificate of Deposit3.54%
PUNJAB NATIONAL BANK CD 18MAR27FinancialCertificate of Deposit3.29%
SHRIRAM FINANCE LIMITED SR XXV TR 14 RR NCD 02SP27 FVRS1LACFinancialDebenture3.04%
TATA TELESERVICES (MAHARASHTRA) LTD 364D CP 17NOV26TechnologyCommercial Paper2.88%
HDFC BANK LIMITED CD 21SEP26FinancialCertificate of Deposit2.68%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CD 10NOV26FinancialCertificate of Deposit2.41%
BHARTI TELECOM LIMITED SR XXVII 7.30 NCD 01DC27 FVRS1LACTechnologyDebenture1.98%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25G 7.48 BD 15SP28 FVRS1LACFinancialBonds1.94%
MUTHOOT FINANCE LIMITED 8.05 NCD 25NV27 FVRS1LACFinancialDebenture1.74%
AXIS BANK LIMITED CD 27NOV26FinancialCertificate of Deposit1.68%
VEDANTA LIMITED SR II 9.45 NCD 05JU28 FVRS1LACMaterialsDebenture1.64%
MANKIND PHARMA LIMITED SR 2 7.99 NCD 16OT26 FVRS1LACHealthcareDebenture1.61%
AVANSE FINANCIAL SERVICES LIMITED SR 41 9.40 NCD 29OT27 FVRS1LACFinancialDebenture1.50%
POWER FINANCE CORPORATION LIMITED SR 251A 6.27 BD 15JL27 FVRS1LACFinancialBonds1.48%
PIRAMAL FINANCE LIMITED 8.75 NCD 29OCT27 FVRS1LACFinancialBonds/NCDs1.43%
8.25% ICICI Home Finance Company Limited (12/11/2027) (FRN) **FinancialDebenture1.35%
SK FINANCE LIMITED 9.25 NCD 10OT27 FVRS1LACFinancialDebenture1.25%
DBS BANK INDIA LIMITED CD 14AUG26FinancialCertificate of Deposit1.23%
GOVERNMENT OF INDIA 36573 364 DAYS TBILL 02OT26 FV RS 100FinancialTreasury Bills1.22%
DBS BANK INDIA LIMITED CD 31AUG26FinancialCertificate of Deposit1.22%
GODREJ INDUSTRIES LIMITED 8.29 NCD 26FB27 FVRS1LACDiversifiedNon Convertible Debenture1.20%
MUTHOOT FINANCE LIMITED 8.65 NCD 31JN28 FVRS1LACFinancialDebenture1.18%
EXPORT IMPORT BANK OF INDIA CD 01MAR27FinancialCertificate of Deposit1.18%
HINDUJA LEYLAND FINANCE LIMITED 9 NCD 14NV27 FVRS1LACFinancialNon Convertible Debenture1.17%
YES BANK LIMITED CD 24MAR27FinancialCertificate of Deposit1.17%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25E 7.53 BD 24MR28 FVRS1LACFinancialBonds1.12%
BHARTI TELECOM LIMITED SR XXIX 7.75 NCD 29FB28 FVRS1LACTechnologyDebenture1.02%
JSW ENERGY LIMITED TR I 8.75 NCD 20MR28 FVRS1LACEnergy & UtilitiesDebenture1.00%
MUTHOOT FINANCE LIMITED OP I 8.52 NCD 07AP28 FVRS1LACFinancialDebenture0.98%
TATA PROJECTS LIMITED 300D CP 08SEP26IndustrialsCommercial Paper0.98%
JSW STEEL LIMITED 8.39 NCD 13MY27 FVRS1LACMaterialsDebenture0.97%
BANK OF BARODA CD 04DEC26FinancialCertificate of Deposit0.96%
IndusInd Bank Limited (18/12/2026) ** #FinancialCertificate of Deposit0.96%
GODREJ HOUSING FINANCE LIMITED 365D CP 25FEB27FinancialCommercial Paper0.94%
GOVERNMENT OF INDIA 36405 364 DAYS TBILL 03SP26 FV RS 100FinancialTreasury Bills0.93%
GODREJ PROPERTIES LIMITED SR I 8.30 LOA 19MR27 FVRS1LACReal EstateDebenture0.93%
MAHINDRA RURAL HOUSING FINANCE LIMITED SR MRHFLEE2025 7.42 NCD 23FB28 FVRS1LACFinancialDebenture0.81%
MINDSPACE BUSINESS PARKS REIT SR NCD16 6.9601 NCD 08DC28 FVRS1LACReal EstateDebenture0.80%
PIRAMAL FINANCE LIMITED 9.15 NCD 17JU27 FVRS1LACFinancialDebenture0.76%
Haryana State SDL 7.35 14/09/2026UnspecifiedState Development Loan0.75%
360 ONE PRIME LIMITED 9.40 NCD 04MR27 FVRS1LACFinancialNon Convertible Debenture0.75%
GIC HOUSING FINANCE LIMITED 8.25 SR 8 OP 1 LOA 19JU26 FVRS1LACFinancialDebenture0.75%
GODREJ PROPERTIES LIMITED SR A 8.15 LOA 03JL26 FVRS1LACReal EstateNon Convertible Debenture0.75%
GOVERNMENT OF INDIA 36713 182 DAYS TBILL 21MY26 FV RS 100FinancialTreasury Bills0.75%
SHRIRAM PISTONS & RINGS LIMITED SR I 7.30 NCD 23AG27 FVRS1LACConsumer DiscretionaryDebenture0.75%
TORRENT PHARMACEUTICALS LTD SR 1 7.45 NCD 19JN28 FVRS1LACHealthcareDebenture0.74%
MINDSPACE BUSINESS PARKS REIT SR NCD14 7 NCD 14SP27 FVRS1LACReal EstateDebenture0.74%
SHRIRAM PISTONS & RINGS LIMITED SR II 7.35 NCD 23FB28 FVRS1LACConsumer DiscretionaryDebenture0.74%
POWER FINANCE CORPORATION LIMITED SR 253 6.73 BD 15OT27 FVRS1LACFinancialBonds/NCDs0.74%
BHARTI TELECOM LIMITED 365D CP 18SEP26TechnologyCommercial Paper0.73%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CD 13OCT26FinancialCertificate of Deposit0.73%
VEDANTA LIMITED SR I 9.31 NCD 03DC27 FVRS1LACMaterialsDebenture0.68%
ADANI AIRPORT HOLDINGS LIMITED 9.35 NCD 08SP28 FVRS1LACIndustrialsDebenture0.65%
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED SR 647 8.40 NCD 18SP27 FVRS1LACFinancialDebenture0.63%
HINDUJA HOUSING FINANCE LIMITED 8.85 NCD 01JN27 FVRS1LACFinancialDebenture0.63%
CAN FIN HOMES LIMITED SR 2 8.09 NCD 04JN27 FVRS1LACFinancialDebenture0.63%
STATE DEVELOPMENT LOAN 30884 GUJ 20OT26 6.04 FV RS 100IndustrialsState Development Loan0.63%
KNOWLEDGE REALTY TRUST 7.2 NCD 26SP28 FVRS1LACReal EstateDebenture0.61%
HDFC Bank Limited (15/02/2027) ** #FinancialCertificate of Deposit0.59%
JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LACMaterialsDebenture0.55%
CENTRAL GOVERNMENT LOAN 30814 GOI FRB 04OT28 FV RS 100EntitiesGOI Securities0.51%
MUTHOOT FINANCE LIMITED OP II 8.52 NCD 26MY28 FVRS1LACFinancialDebenture0.50%
SMFG INDIA HOME FINANCE COMPANY LIMITED SR 25 8.35 NCD 15JN27 FVRS1LACFinancialNon Convertible Debenture0.50%
SUNDARAM HOME FINANCE LIMITED SR 341 7.98 NCD 04SP26 FVRS1LACFinancialDebenture0.50%
GIC HOUSING FINANCE LIMITED 8.28 SR 8 OP 2 LOA 21AG26 FVRS1LACFinancialDebenture0.50%
LIC HOUSING FINANCE LTD TR 443 7.8650 NCD 20AG26 FVRS1LACFinancialDebenture0.50%
TML COMMERCIAL VEHICLES LIMITED SR E28-B TR I 8.5 NCD 30DC26 FVRS10LACIndustrialsDebenture0.50%
ARKA FINCAP LIMITED SR XV 9.40 NCD 19FB27 FVRS1LACFinancialDebenture0.50%
AXIS BANK LIMITED CD 10AUG26FinancialCertificate of Deposit0.49%
ICICI BANK LIMITED CD 12FEB27FinancialCertificate of Deposit0.47%
GODREJ HOUSING FINANCE LIMITED 365D CP 24FEB27FinancialCommercial Paper0.47%
PUNJAB NATIONAL BANK CD 12MAR27FinancialCertificate of Deposit0.47%
Yes Bank Limited (25/03/2027) ** #FinancialCertificate of Deposit0.47%
RURAL ELECTRIFICATION CORPORATION LIMITED SR I 8.09 BD 21MR28 FVRS10LACFinancialDebenture0.43%
JUBILANT BEVCO LIMITED NCD 31MY28 FVRS1LACConsumer StaplesDebenture0.39%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR-3 8.2 BD 16MR28 FVRS10LACFinancialDebenture0.38%
GODREJ INDUSTRIES LIMITED SR I 8.36 NCD 28AG26 FVRS1LACDiversifiedDebenture0.38%
HERO HOUSING FINANCE LIMITED SR 11 OP I 8.32 NCD 29AP27 FVRS1LACFinancialDebenture0.38%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23I 7.62 LOA 31JN28 FVRS1LACFinancialDebenture0.38%
GIC HOUSING FINANCE LIMITED SR 11 7.59 NCD 10JU27 FVRS1LACFinancialDebenture0.37%
BANK OF BARODA CD 15DEC26FinancialCertificate of Deposit0.36%
MUTHOOT FINANCE LIMITED 365D CP 03DEC26FinancialCommercial Paper0.36%
Others Class A2 AIFUnspecifiedAlternative Investment Fund0.33%
NUVAMA WEALTH FINANCE LIMITED SR NWFL200824/05 9.75 NCD 16AP27 FVRS1LACFinancialDebenture0.33%
Madhya Pradesh State SDL 7.76 01/03/2027UnspecifiedState Development Loan0.30%
STATE DEVELOPMENT LOAN 20842 RAJ 12SP28 8.84 FV RS 100UnspecifiedState Development Loan0.26%
RJ CORP LIMITED 7.25 NCD 08DC28 FVRS1LACConsumer StaplesDebenture0.26%
8.18% State Developement Loan-Tamilnadu 2028 (MD 19/12/2028)UnspecifiedState Development Loan0.26%
Tamilnadu State SDL 7.37 14/09/2026UnspecifiedState Development Loan0.25%
MANKIND PHARMA LIMITED SR 3 7.97 NCD 16NV27 FVRS1LACHealthcareBonds/Debentures0.25%
STATE DEVELOPMENT LOAN 31429 RAJ 02MR27 6.48 FV RS 100UnspecifiedState Development Loan0.25%
REC LIMITED SR 231A 7.64 BD 30AP27 FVRS1LACFinancialNon Convertible Debenture0.25%
JM FINANCIAL CREDIT SOLUTIONS LIMITED SR II TR BX 9.30 NCD 14AG26 FVRS1LACFinancialDebenture0.25%
ADITYA BIRLA HOUSING FINANCE LIMITED SR K2 7.8989 NCD 08JU27 FVRS1LACFinancialNon Convertible Debenture0.25%
LIC HOUSING FINANCE LTD TR 449 7.69 NCD 11DC26 FVRS1LACFinancialNon Convertible Debenture0.25%
JM FINANCIAL PRODUCTS LIMITED TR DF 8.92 NCD 16NV26 FVRS1LACFinancialDebenture0.25%
RELIANCE LIFE SCIENCES PRIVATE LIMITED SR 2 7.7954 NCD 08MY26 FVRS10LACHealthcareDebenture0.25%
TORRENT POWER LIMITED SR 8D 7.45 NCD 11MR27 FVRS10LACEnergy & UtilitiesNon Convertible Debenture0.25%
REC LIMITED SR 250A 6.60 BD 30JU27 FVRS1LACFinancialDebenture0.25%
LIC HOUSING FINANCE LTD TR 456 6.90 NCD 17SP27 FVRS1LACFinancialNon Convertible Debenture0.25%
AXIS BANK LIMITED CD 16DEC26FinancialCertificate of Deposit0.24%
INDUSIND BANK LTD. CD 22JAN27FinancialCertificate of Deposit0.24%
THE FEDERAL BANK LIMITED CD 17FEB27FinancialCertificate of Deposit0.24%
YES BANK LIMITED CD 05MAR27FinancialCertificate of Deposit0.24%
STATE DEVELOPMENT LOAN 20592 HAR 04JL28 8.57 FV RS 100UnspecifiedState Development Loan0.23%
BHARTI TELECOM LIMITED SR XIX 8.65 NCD 05NV27 FVRS1LACTechnologyDebenture0.23%
RURAL ELECTRIFICATION CORPORATION LIMITED SR I 8.01 BD 24MR28 FVRS10LACFinancialDebenture0.20%
GODREJ INDUSTRIES LIMITED SR 1 8.42 NCD 27DC27 FVRS1LACDiversifiedDebenture0.20%
TORRENT POWER LIMITED SR 10A 8.30 NCD 02JU27 FVRS10LACEnergy & UtilitiesDebenture0.18%
364 Days T-Bill (MD 24/09/2026)FinancialTreasury Bills0.17%
STATE DEVELOPMENT LOAN 30444 BH 02JU27 6.45 FV RS 100EntitiesGOI Securities0.15%
STATE DEVELOPMENT LOAN 21045 GUJ 28NV28 8.5 FV RS 100IndustrialsState Development Loan0.13%
TORRENT POWER LIMITED SR 12 TR 12B 8.40 NCD 18JN27 FVRS1LACEnergy & UtilitiesDebenture0.13%
REC LIMITED SR 232 A 7.59 BD 31MY27 FVRS1LACFinancialDebenture0.13%
ADITYA BIRLA FINANCE LIMITED SR G2 6.4500 NCD 01OT26 FVRS10LACFinancialDebenture0.12%
REC LIMITED SR 249A 6.37 BD 31MR27 FVRS1LACFinancialDebenture0.12%
Gsec C-STRIPS Mat 15-Oct-2026EntitiesGOI Securities0.12%
MUTHOOT FINANCE LIMITED 308D CP 08SEP26FinancialCommercial Paper0.12%
SMFG INDIA CREDIT COMPANY LIMITED 359D CP 25SEP26FinancialCommercial Paper0.12%
INDIAN BANK CD 30OCT26FinancialCertificate of Deposit0.12%
MUTHOOT FINANCE LIMITED 362D CP 18NOV26FinancialCommercial Paper0.12%
KOTAK MAHINDRA BANK LIMITED CD 29JAN27FinancialCertificate of Deposit0.12%
JUBILANT BEVERAGES LIMITED NCD 31MY28 FVRS1LACConsumer StaplesDebenture0.11%
Gsec C-STRIPS Mat 15-Apr-2028EntitiesGOI Securities0.11%
Gsec C-STRIPS Mat 15-Oct-2028EntitiesGOI Securities0.11%
RURAL ELECTRIFICATION CORPORATION LIMITED SERIES 168 8.56 NCD 29NV28 FVRS10LACFinancialDebenture0.10%
LIC HOUSING FINANCE LIMITED TR 412 6.17 LOA 03SP26 FVRS10LACFinancialDebenture0.09%
Bihar State SDL 6.89 23/11/2026UnspecifiedState Development Loan0.08%
PIPELINE INFRASTRUCTURE LIMITED SR 1 7.96 NCD 11MR27 FVRS1LACIndustrialsDebenture0.08%
AXIS BANK LIMITED CD 14JAN27FinancialCertificate of Deposit0.07%
STATE DEVELOPMENT LOAN 20811 RAJ 29AG28 8.53 FV RS 100UnspecifiedState Development Loan0.05%
87. 8.44% RAJASTHAN 27/06/2028UnspecifiedState Development Loan0.05%
STATE DEVELOPMENT LOAN 20234 RAJ 07MR28 8.44 FV RS 100UnspecifiedState Development Loan0.05%
SDL RAJASTHAN UDAY 8.13% (27/03/2028)UnspecifiedState Development Loan0.05%
Bihar State SDL 7.29 28/12/2026UnspecifiedState Development Loan0.05%
PNB HOUSING FINANCE LTD SR LVIII OP A 8.60 LOA 28JU26 FVRS 1LACFinancialBonds0.05%
STATE DEVELOPMENT LOAN 22733 MH 18FB28 6.97 FV RS 100UnspecifiedState Development Loan0.05%
STATE DEVELOPMENT LOAN 20126 CHT 31JN28 8.11 FV RS 100UnspecifiedState Development Loan0.03%
Haryana State SDL 7.28 28/12/2026UnspecifiedState Development Loan0.03%
Nagaland State SDL 6.89 23/11/2026UnspecifiedState Development Loan0.03%
STATE DEVELOPMENT LOAN 23187 AP 27MY28 6.55 FV RS 100FinancialState Development Loan0.02%
STATE DEVELOPMENT LOAN 30907 CHT 27OT28 6.62 FV RS 100UnspecifiedState Development Loan0.02%
PIRAMAL FINANCE LIMITED 365D CP 30OCT26FinancialCommercial Paper0.02%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25A 7.70 BD 30SP27 FVRS1LACFinancialDebenture0.01%
Net PayablesUnspecifiedNet Payables-4.43%
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%+6.6%+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

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

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. Kaustubh Gupta is the Current Fund Manager of Aditya Birla Sun Life Savings Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹4,23,182 Cr and the Latest NAV as of 09 Jun 2026 is ₹592.59. 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₹4,23,182.21 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,