Aditya Birla Sun Life Savings Direct Growth

Debt
Ultra Short Duration
Moderate Risk
6.90%
3Y annualised
+0.01% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 14 Feb 2025₹540.93
Min. SIP amount₹1,000
Rating2
Fund size₹16,797.94Cr

Return calculator

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

Returns and rankings

Category: Debt Ultra Short Duration
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns8.0%6.9%6.3%7.7%
Category average7.1%6.1%5.4%NA
Rank with in category134NA
Understand terms

Holdings (141)

NameSectorInstrumentAssets
FinancialBonds4.88%
Shriram Finance Ltd
FinancialDebenture3.58%
Nirma Ltd.
Consumer StaplesDebenture2.89%
Reserve Bank of India
FinancialT-Bills2.78%
FinancialBonds2.38%
JSW Energy Ltd.
Capital GoodsCP2.36%
ONGC Petro Additions Ltd.
EnergyCP2.31%
ConstructionDebenture2.14%
Canara Bank
FinancialCD1.96%
GOI
SovereignGOI Sec1.88%
Mankind Pharma Ltd.
HealthcareDebenture1.82%
Bajaj Housing Finance Ltd.
FinancialNCD1.79%
Avanse Financial Services Ltd.
FinancialDebenture1.78%
Canara Bank
FinancialCD1.77%
ICICI Home Finance Company Ltd.
FinancialDebenture1.61%
Tata Realty and Infrastructure Ltd.
ConstructionCP1.47%
SK Finance Ltd.
FinancialDebenture1.47%
Godrej Industries Ltd.
Consumer StaplesNCD1.43%
Canara Bank
FinancialCD1.40%
Hinduja Leyland Finance Ltd.
FinancialNCD1.39%
Indusind Bank Ltd.
FinancialCD1.38%
Tata Housing Devp. Co. Ltd
ConstructionCP1.33%
Indian Bank
FinancialCD1.32%
Tata Housing Devp. Co. Ltd
ConstructionDebenture1.13%
Punjab National Bank
FinancialCD1.12%
Bank of India
FinancialCD1.11%
Axis Bank Ltd.
FinancialCD1.11%
Export-Import Bank Of India
FinancialCP1.11%
Small Industries Devp. Bank of India Ltd.
FinancialNCD1.04%
Bank of India
FinancialCD1.04%
Bharti Telecom Ltd.
CommunicationDebenture0.98%
GIC Housing Finance Ltd.
FinancialDebenture0.90%
Shriram Finance Ltd
FinancialDebenture0.89%
Gujarat State
ConstructionSDL0.89%
Canara Bank
FinancialCD0.89%
Reserve Bank of India
FinancialT-Bills0.88%
GOI
SovereignGOI Sec0.87%
Union Bank of India
FinancialCD0.84%
Deutsche Investments (I) Pvt. Ltd.
FinancialCP0.83%
Hinduja Housing FInance Ltd.
FinancialDebenture0.75%
Mankind Pharma Ltd.
HealthcareDebenture0.74%
Cholamandalam Investment and Finance Company Ltd.
FinancialDebenture0.74%
FinancialDebenture0.74%
Bharti Telecom Ltd.
CommunicationDebenture0.72%
Barclays Investments & Loans Ltd.
FinancialCP0.67%
Gujarat State
ConstructionSDL0.66%
Godrej Industries Ltd.
Consumer StaplesDebenture0.63%
Small Industries Devp. Bank of India Ltd.
FinancialDebenture0.62%
Fullerton India Home Finance Ltd.
FinancialNCD0.60%
GIC Housing Finance Ltd.
FinancialDebenture0.60%
Sundaram Home Finance Ltd.
FinancialDebenture0.60%
Tata Realty and Infrastructure Ltd.
ConstructionDebenture0.60%
Tata Motors Finance Solutions Pvt Ltd.
FinancialNCD0.59%
LIC Housing Finance Ltd.
FinancialNCD0.59%
Punjab National Bank
FinancialCD0.59%
Arka Fincap Ltd.
FinancialDebenture0.59%
Tamilnadu State
OthersSDL0.59%
Reliance Jio Infocomm Ltd.
CommunicationCP0.59%
Reserve Bank of India
FinancialT-Bills0.59%
Utkarsh Small Finance Bank Ltd.
FinancialCD0.59%
Reliance Jio Infocomm Ltd.
CommunicationCP0.59%
Tata Teleservices (Maharashtra) Ltd.
CommunicationCP0.59%
Axis Bank Ltd.
FinancialCD0.57%
PNB Housing Finance Ltd.
FinancialFixed Deposits0.57%
Indusind Bank Ltd.
FinancialCD0.56%
Canara Bank
FinancialCD0.56%
Export-Import Bank Of India
FinancialCD0.56%
Bharti Telecom Ltd.
CommunicationDebenture0.45%
ConstructionDebenture0.45%
Bharti Telecom Ltd.
CommunicationDebenture0.45%
Godrej Industries Ltd.
Consumer StaplesCP0.45%
LIC Housing Finance Ltd.
FinancialNCD0.44%
Godrej Industries Ltd.
Consumer StaplesCP0.44%
REC Ltd.
FinancialNCD0.41%
FinancialDebenture0.36%
Uttar Pradesh State
OthersSDL0.33%
Bharti Telecom Ltd.
CommunicationDebenture0.30%
LIC Housing Finance Ltd.
FinancialDebenture0.30%
Nirma Ltd.
Consumer StaplesNCD0.30%
Gujarat State
ConstructionSDL0.30%
Reliance Life Sciences Pvt Ltd.
HealthcareDebenture0.30%
FinancialDebenture0.30%
Bank Of Baroda
FinancialCD0.30%
LIC Housing Finance Ltd.
FinancialNCD0.30%
Small Industries Devp. Bank of India Ltd.
FinancialDebenture0.30%
FinancialDebenture0.30%
Reserve Bank of India
FinancialT-Bills0.30%
Can Fin Homes Ltd.
FinancialNCD0.30%
Can Fin Homes Ltd.
FinancialNCD0.30%
The Federal Bank Ltd.
FinancialCD0.30%
Bank of India
FinancialCD0.30%
Reserve Bank of India
FinancialT-Bills0.29%
Torrent Power Ltd.
EnergyNCD0.29%
FinancialNCD0.29%
Axis Bank Ltd.
FinancialCD0.28%
ICICI Bank Ltd.
FinancialCD0.28%
Torrent Power Ltd.
EnergyNCD0.27%
Reserve Bank of India
FinancialT-Bills0.27%
Karnataka State
OthersSDL0.21%
Haryana State
OthersSDL0.21%
Torrent Power Ltd.
EnergyDebenture0.15%
Small Industries Devp. Bank of India Ltd.
FinancialDebenture0.15%
Madhya Pradesh State
OthersSDL0.15%
Madhya Pradesh State
OthersSDL0.15%
ConstructionNCD0.15%
Reliance Life Sciences Pvt Ltd.
HealthcareDebenture0.15%
HDFC Bank Ltd.
FinancialDebenture0.15%
Reserve Bank of India
FinancialT-Bills0.15%
Bharti Telecom Ltd.
CommunicationCP0.15%
Export-Import Bank Of India
FinancialCP0.15%
GOI
SovereignGOI Sec0.15%
EnergyDebenture0.15%
FinancialDebenture0.15%
Bank Of Baroda
FinancialCD0.15%
Standard Chartered Securities (India) Ltd.
FinancialCP0.14%
Standard Chartered Securities (India) Ltd.
FinancialCP0.14%
Axis Bank Ltd.
FinancialCD0.14%
Cholamandalam Investment and Finance Company Ltd.
FinancialCP0.13%
Bank Of Baroda
FinancialCD0.13%
HDFC Bank Ltd.
FinancialCD0.13%
LIC Housing Finance Ltd.
FinancialDebenture0.10%
Pipeline Infrastructure (India) Pvt. Ltd.
ConstructionDebenture0.09%
FinancialNCD0.09%
Torrent Power Ltd.
EnergyDebenture0.06%
Torrent Power Ltd.
EnergyNCD0.06%
Cholamandalam Investment and Finance Company Ltd.
FinancialDebenture0.06%
FinancialDebenture0.06%
Export-Import Bank Of India
FinancialCD0.06%
Barclays Investments & Loans Ltd.
FinancialCP0.06%
Deutsche Investments (I) Pvt. Ltd.
FinancialCP0.06%
Maharashtra State
OthersSDL0.03%
Maharashtra State
OthersSDL0.03%
Tamilnadu State
OthersSDL0.03%
Muthoot Finance Ltd.
FinancialDebenture0.03%
Small Industries Devp. Bank of India Ltd.
FinancialDebenture0.03%
Small Industries Devp. Bank of India Ltd.
FinancialDebenture0.03%
Union Bank of India
FinancialCD0.03%
FinancialBonds0.02%
Canara Bank
FinancialCD0.01%
Kotak Mahindra Bank Ltd.
FinancialCD0.01%
Larsen & Toubro Ltd.
ConstructionCP0.01%
See All

Pros and cons

Category: Debt Ultra Short Duration

Pros

Consistently higher annualised returns than category average for the past 1Y, 3Y, 5Y and 10Y
Higher alpha: 2.65 The fund has generated returns higher than benchmark - NIFTY Ultra Short Duration Debt Index A-I - in the last 3Y
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: 2

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

Minimum investment amounts

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

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,

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