Aditya Birla Sun Life Savings Direct Growth

Debt
Ultra Short Duration
Moderate Risk
+7.73%
3Y annualised
+0.05% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 13 Oct 2025
₹569.51
Rating
1
Min. SIP amount
₹1,000
Fund size
₹21,367.00Cr

Return calculator

Monthly SIP
One-Time
₹5,000 per month
Over the past
Total investment of 0
Would have become (%)

Holdings (178)

NameSectorInstrumentAssets
JSW Energy Ltd.
Capital GoodsCP2.95%
Shriram Finance Ltd
FinancialDebenture2.87%
Union Bank of India
FinancialCD2.29%
Nirma Ltd.
Consumer StaplesDebenture2.28%
HDFC Bank Ltd.
FinancialCD1.88%
Gujarat State
ConstructionSDL1.76%
Mankind Pharma Ltd.
HealthcareDebenture1.63%
Bank Of Baroda
FinancialCD1.60%
National Bank For Agriculture & Rural Development
FinancialDebenture1.60%
Bank Of Baroda
FinancialCD1.59%
Avanse Financial Services Ltd.
FinancialDebenture1.41%
Power Finance Corporation Ltd.
FinancialBonds1.39%
Export-Import Bank Of India
FinancialCD1.37%
ICICI Home Finance Company Ltd.
FinancialDebenture1.27%
Bharti Telecom Ltd.
CommunicationDebenture1.22%
FinancialBonds1.19%
Bajaj Housing Finance Ltd.
FinancialNCD1.18%
Small Industries Devp. Bank of India Ltd.
FinancialDebenture1.17%
FinancialDebenture1.17%
SK Finance Ltd.
FinancialDebenture1.17%
Small Industries Devp. Bank of India Ltd.
FinancialNCD1.17%
Indusind Bank Ltd.
FinancialCD1.15%
HDFC Bank Ltd.
FinancialCD1.15%
Bank Of Baroda
FinancialCD1.14%
Bank Of Baroda
FinancialCD1.14%
Reserve Bank of India
FinancialT-Bills1.14%
Canara Bank
FinancialCD1.14%
Godrej Industries Ltd.
Consumer StaplesNCD1.14%
Poonawalla Fincorp Ltd.
FinancialCP1.12%
Muthoot Finance Ltd.
FinancialDebenture1.12%
Hinduja Leyland Finance Ltd.
FinancialNCD1.11%
Axis Bank Ltd.
FinancialCD1.03%
Small Industries Devp. Bank of India Ltd.
FinancialCD1.02%
Bihar State
OthersSDL0.97%
JSW Steel Ltd.
Metals & MiningDebenture0.94%
JSW Energy Ltd.
Capital GoodsDebenture0.94%
GOI
SovereignGOI Sec0.94%
Reserve Bank of India
FinancialT-Bills0.93%
Barclays Investments & Loans Ltd.
FinancialCP0.93%
Tata Projects Ltd.
ConstructionCP0.92%
FinancialDebenture0.92%
Export-Import Bank Of India
FinancialCP0.92%
ICICI Securities Ltd.
FinancialCP0.91%
ConstructionDebenture0.88%
Rajasthan State
OthersSDL0.87%
Reserve Bank of India
FinancialT-Bills0.83%
Tata Housing Devp. Co. Ltd
ConstructionDebenture0.77%
FinancialDebenture0.71%
National Bank For Agriculture & Rural Development
FinancialBonds0.71%
Haryana State
OthersSDL0.71%
360 ONE Wealth Ltd.
FinancialNCD0.71%
GIC Housing Finance Ltd.
FinancialDebenture0.71%
Piramal Finance Ltd.
FinancialDebenture0.71%
Mindspace Business Parks REIT
ConstructionDebenture0.70%
Tamilnadu State
OthersSDL0.70%
REC Ltd.
FinancialDebenture0.70%
Indian Bank
FinancialCD0.69%
Small Industries Devp. Bank of India Ltd.
FinancialCD0.68%
ONGC Petro Additions Ltd.
EnergyCP0.68%
Bharti Telecom Ltd.
CommunicationCP0.66%
Godrej Industries Ltd.
Consumer StaplesDebenture0.61%
Can Fin Homes Ltd.
FinancialDebenture0.59%
Hinduja Housing FInance Ltd.
FinancialDebenture0.59%
Mankind Pharma Ltd.
HealthcareDebenture0.59%
Small Industries Devp. Bank of India Ltd.
FinancialDebenture0.59%
FinancialDebenture0.59%
Tata Projects Ltd.
ConstructionNCD0.59%
JTPM Metal Traders Ltd.
Metals & MiningDebenture0.49%
GOI
SovereignGOI Sec0.48%
Fullerton India Home Finance Ltd.
FinancialNCD0.47%
FinancialDebenture0.47%
Sundaram Home Finance Ltd.
FinancialDebenture0.47%
AutomobileNCD0.47%
LIC Housing Finance Ltd.
FinancialDebenture0.47%
Arka Fincap Ltd.
FinancialDebenture0.47%
GIC Housing Finance Ltd.
FinancialDebenture0.47%
ConstructionNCD0.47%
Tata Realty and Infrastructure Ltd.
ConstructionDebenture0.47%
ONGC Petro Additions Ltd.
EnergyCP0.47%
Deutsche Investments (I) Pvt. Ltd.
FinancialCP0.47%
Indusind Bank Ltd.
FinancialCD0.46%
Punjab National Bank
FinancialCD0.46%
Small Industries Devp. Bank of India Ltd.
FinancialCD0.46%
CTBC Bank Ltd.
FinancialCD0.46%
National Bank For Agriculture & Rural Development
FinancialCD0.46%
Union Bank of India
FinancialCD0.46%
Indusind Bank Ltd.
FinancialCD0.46%
Power Finance Corporation Ltd.
FinancialCP0.45%
Export-Import Bank Of India
FinancialCD0.45%
Cholamandalam Investment and Finance Company Ltd.
FinancialCP0.45%
Axis Bank Ltd.
FinancialCD0.44%
FinancialDebenture0.41%
Karnataka State
OthersSDL0.41%
Vedanta Ltd.
Metals & MiningDebenture0.40%
Godrej Industries Ltd.
Consumer StaplesDebenture0.35%
Vedanta Ltd.
Metals & MiningDebenture0.35%
Hero Housing Finance Ltd.
FinancialDebenture0.35%
REC Ltd.
FinancialDebenture0.35%
REC Ltd.
FinancialNCD0.33%
Nuvama Wealth Finance Ltd.
FinancialDebenture0.31%
Axis Bank Ltd.
FinancialCD0.30%
Knowledge Realty Trust
ConstructionDebenture0.25%
Rajasthan State
OthersSDL0.25%
Tamilnadu State
OthersSDL0.24%
OthersSDL0.24%
FinancialDebenture0.24%
Madhya Pradesh State
OthersSDL0.24%
National Bank For Agriculture & Rural Development
FinancialDebenture0.24%
REC Ltd.
FinancialNCD0.24%
Tamilnadu State
OthersSDL0.24%
Aditya Birla Housing Finance Ltd.
FinancialNCD0.24%
LIC Housing Finance Ltd.
FinancialNCD0.24%
Reliance Life Sciences Pvt Ltd.
HealthcareDebenture0.24%
Vedanta Ltd.
Metals & MiningDebenture0.23%
Torrent Power Ltd.
EnergyNCD0.23%
FinancialDebenture0.23%
LIC Housing Finance Ltd.
FinancialNCD0.23%
REC Ltd.
FinancialDebenture0.23%
FinancialNCD0.23%
Bank Of Baroda
FinancialCD0.23%
HDFC Bank Ltd.
FinancialCD0.23%
Small Industries Devp. Bank of India Ltd.
FinancialCP0.23%
Kotak Mahindra Bank Ltd.
FinancialCD0.23%
Nuvama Clearing Services Ltd.
FinancialCP0.23%
Haryana State
OthersSDL0.22%
Bharti Telecom Ltd.
CommunicationDebenture0.22%
Tamilnadu State
OthersSDL0.20%
FinancialDebenture0.19%
Godrej Industries Ltd.
Consumer StaplesDebenture0.19%
Torrent Power Ltd.
EnergyDebenture0.17%
GOI
SovereignGOI Sec0.14%
GOI
SovereignGOI Sec0.14%
HDFC Bank Ltd.
FinancialCD0.14%
ConstructionSDL0.12%
REC Ltd.
FinancialBonds0.12%
Torrent Power Ltd.
EnergyDebenture0.12%
Mankind Pharma Ltd.
HealthcareBonds/Deb0.12%
Small Industries Devp. Bank of India Ltd.
FinancialNCD0.12%
FinancialDebenture0.12%
GOI
SovereignCGL0.12%
Karnataka State
OthersSDL0.12%
Reliance Life Sciences Pvt Ltd.
HealthcareDebenture0.12%
Maharashtra State
OthersSDL0.12%
EnergyDebenture0.12%
FinancialDebenture0.12%
Union Bank of India
FinancialCD0.11%
GOI
SovereignGOI Sec0.11%
Kotak Mahindra Bank Ltd.
FinancialCD0.11%
Small Industries Devp. Bank of India Ltd.
FinancialCD0.11%
Canara Bank
FinancialCD0.11%
Kotak Mahindra Bank Ltd.
FinancialCD0.11%
HDFC Bank Ltd.
FinancialCD0.11%
Punjab National Bank
FinancialCD0.11%
Axis Bank Ltd.
FinancialCD0.11%
Axis Bank Ltd.
FinancialCD0.11%
GOI
SovereignGOI Sec0.11%
Jubilant Bevco Ltd.
Consumer StaplesDebenture0.10%
Jubilant Beverages Ltd.
Consumer StaplesDebenture0.10%
GOI
SovereignGOI Sec0.10%
GOI
SovereignGOI Sec0.10%
LIC Housing Finance Ltd.
FinancialDebenture0.08%
Pipeline Infrastructure (India) Pvt. Ltd.
ConstructionDebenture0.07%
Bihar State
OthersSDL0.07%
FinancialNCD0.07%
Reserve Bank of India
FinancialT-Bills0.07%
OthersSDL0.05%
Rajasthan State
OthersSDL0.05%
Rajasthan State
OthersSDL0.05%
Rajasthan State
OthersSDL0.05%
Bihar State
OthersSDL0.05%
Maharashtra State
OthersSDL0.05%
PNB Housing Finance Ltd.
FinancialBonds0.05%
Torrent Power Ltd.
EnergyNCD0.05%
Maharashtra State
OthersSDL0.05%
Chhattisgarh State
OthersSDL0.02%
Haryana State
OthersSDL0.02%
Nagaland State
OthersSDL0.02%
Andhra Pradesh State
FinancialSDL0.02%
See All

Minimum investment amounts

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

Returns and rankings

Category: Debt Ultra Short Duration
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns8.0%7.7%6.3%7.8%
Category average6.9%6.9%5.6%NA
Rank with in category124NA
Understand terms

Expense ratio, exit load and tax

Expense ratio: 0.34%

Inclusive of GST

Exit load

Nil

Stamp duty

0.005% (from July 1st, 2020)

Tax implication

Returns are taxed as per your Income Tax slab.

Understand terms
Check past data

Fund management

Sunaina da Cunha
Jun 2014 - Present
View details

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.
Also manages these schemes

Fund house & investment objective

Fund house contact details

Address
One World Center, Tower 1, 17th Floor, Jupiter Mill CompoundSenapati Bapat Marg, Elphinstone Road Mumbai 400013
Phone
NA
Launch Date
23 Dec 1994
Aditya Birla Sun Life Mutual Fund
Asset Management Company
Custodian
Citibank NA
Registrar & Transfer Agent
Cams
Address
7th Floor, Tower II, Rayala Towers, 158, Anna Salai,

Pros and cons

Category: Debt Ultra Short Duration

Pros

Consistently higher annualised returns than category average for the past 1Y, 3Y, 5Y and 10Y
Exit load is zero
Lower expense ratio: 0.34%
Average credit rating of the fund's holdings: AAA This fund has holdings of the highest quality
Consistently top ranked fund

Cons

Low rating: 1

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