Aditya Birla Sun Life Savings Direct Growth

Debt
Ultra Short Duration
Moderate Risk
7.59%
3Y annualised
+0.02% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 11 Jul 2025₹560.35
Min. SIP amount₹1,000
Rating2
Fund size₹19,189.39Cr

Return calculator

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

Holdings (156)

NameSectorInstrumentAssets
Shriram Finance Ltd
FinancialDebenture3.19%
Nirma Ltd.
Consumer StaplesDebenture2.55%
Small Industries Devp. Bank of India Ltd.
FinancialCD2.25%
Gujarat State
ConstructionSDL1.97%
Bharti Telecom Ltd.
CommunicationDebenture1.88%
Mankind Pharma Ltd.
HealthcareDebenture1.82%
Canara Bank
FinancialCD1.78%
Axis Bank Ltd.
FinancialCD1.77%
National Bank For Agriculture & Rural Development
FinancialDebenture1.65%
Avanse Financial Services Ltd.
FinancialDebenture1.57%
Axis Bank Ltd.
FinancialCD1.50%
Export-Import Bank Of India
FinancialCD1.50%
Bharti Telecom Ltd.
CommunicationDebenture1.41%
ICICI Home Finance Company Ltd.
FinancialDebenture1.41%
Bajaj Housing Finance Ltd.
FinancialNCD1.31%
Small Industries Devp. Bank of India Ltd.
FinancialNCD1.31%
SK Finance Ltd.
FinancialDebenture1.29%
Mindspace Business Parks REIT
ConstructionCP1.29%
The Jammu & Kashmir Bank Ltd.
FinancialCD1.29%
Godrej Industries Ltd.
Consumer StaplesNCD1.27%
Indusind Bank Ltd.
FinancialCD1.26%
Hinduja Leyland Finance Ltd.
FinancialNCD1.24%
Muthoot Finance Ltd.
FinancialDebenture1.24%
Rajasthan State
OthersSDL1.23%
Barclays Investments & Loans Ltd.
FinancialCP1.14%
National Bank For Agriculture & Rural Development
FinancialCD1.12%
FinancialBonds1.06%
JSW Energy Ltd.
Capital GoodsDebenture1.05%
JSW Steel Ltd.
Metals & MiningDebenture1.05%
Punjab & Sind Bank
FinancialCD1.03%
FinancialDebenture1.03%
ONGC Petro Additions Ltd.
EnergyCP1.02%
Reserve Bank of India
FinancialT-Bills1.02%
Bank of India
FinancialCD1.01%
Tata Projects Ltd.
ConstructionCP1.01%
Export-Import Bank Of India
FinancialCP1.01%
ConstructionDebenture0.98%
Tata Housing Devp. Co. Ltd
ConstructionDebenture0.89%
Punjab National Bank
FinancialCD0.89%
Canara Bank
FinancialCD0.89%
Small Industries Devp. Bank of India Ltd.
FinancialDebenture0.86%
GIC Housing Finance Ltd.
FinancialDebenture0.79%
Tamilnadu State
OthersSDL0.78%
FinancialDebenture0.78%
360 ONE Wealth Ltd.
FinancialNCD0.78%
REC Ltd.
FinancialDebenture0.78%
Axis Bank Ltd.
FinancialCD0.76%
Indian Bank
FinancialCD0.76%
Godrej Industries Ltd.
Consumer StaplesDebenture0.68%
Can Fin Homes Ltd.
FinancialDebenture0.66%
Hinduja Housing FInance Ltd.
FinancialDebenture0.66%
Mankind Pharma Ltd.
HealthcareDebenture0.66%
FinancialDebenture0.65%
Tata Projects Ltd.
ConstructionNCD0.65%
Union Bank of India
FinancialCD0.63%
Reserve Bank of India
FinancialT-Bills0.57%
Tata Teleservices (Maharashtra) Ltd.
CommunicationCP0.53%
FinancialBonds0.53%
FinancialDebenture0.53%
Fullerton India Home Finance Ltd.
FinancialNCD0.53%
LIC Housing Finance Ltd.
FinancialDebenture0.53%
Sundaram Home Finance Ltd.
FinancialDebenture0.53%
GIC Housing Finance Ltd.
FinancialDebenture0.53%
Arka Fincap Ltd.
FinancialDebenture0.53%
FinancialDebenture0.53%
ConstructionNCD0.53%
Small Industries Devp. Bank of India Ltd.
FinancialDebenture0.52%
ConstructionSDL0.52%
Tata Realty and Infrastructure Ltd.
ConstructionDebenture0.52%
Small Industries Devp. Bank of India Ltd.
FinancialDebenture0.52%
GIC Housing Finance Ltd.
FinancialCP0.52%
Power Finance Corporation Ltd.
FinancialBonds0.52%
Axis Bank Ltd.
FinancialCD0.51%
The Federal Bank Ltd.
FinancialCD0.51%
Small Industries Devp. Bank of India Ltd.
FinancialCD0.51%
Indusind Bank Ltd.
FinancialCD0.51%
Union Bank of India
FinancialCD0.51%
Canara Bank
FinancialCD0.51%
Canara Bank
FinancialCD0.51%
Export-Import Bank Of India
FinancialCD0.51%
Punjab National Bank
FinancialCD0.50%
CTBC Bank Ltd.
FinancialCD0.50%
Indusind Bank Ltd.
FinancialCD0.50%
Karnataka State
OthersSDL0.46%
FinancialDebenture0.46%
Vedanta Ltd.
Metals & MiningDebenture0.45%
Bharti Telecom Ltd.
CommunicationDebenture0.39%
Hero Housing Finance Ltd.
FinancialDebenture0.39%
REC Ltd.
FinancialDebenture0.39%
Nuvoco Vistas Corporation Ltd.
ConstructionCP0.38%
Canara Bank
FinancialCD0.38%
HDFC Bank Ltd.
FinancialCD0.38%
Export-Import Bank Of India
FinancialCD0.38%
REC Ltd.
FinancialNCD0.36%
Nuvama Wealth Finance Ltd.
FinancialDebenture0.34%
Piramal Finance Ltd.
FinancialDebenture0.31%
Madhya Pradesh State
OthersSDL0.27%
National Bank For Agriculture & Rural Development
FinancialDebenture0.27%
National Bank For Agriculture & Rural Development
FinancialBonds0.27%
Tamilnadu State
OthersSDL0.26%
GOI
SovereignGOI Sec0.26%
Godrej Industries Ltd.
Consumer StaplesDebenture0.26%
Aditya Birla Housing Finance Ltd.
FinancialNCD0.26%
LIC Housing Finance Ltd.
FinancialNCD0.26%
Reliance Life Sciences Pvt Ltd.
HealthcareDebenture0.26%
Torrent Power Ltd.
EnergyNCD0.26%
Vedanta Ltd.
Metals & MiningDebenture0.26%
FinancialDebenture0.26%
GOI
SovereignGOI Sec0.26%
FinancialNCD0.26%
HDFC Bank Ltd.
FinancialCD0.26%
Barclays Investments & Loans Ltd.
FinancialCP0.25%
Tata Projects Ltd.
ConstructionCP0.25%
Rajasthan State
OthersSDL0.25%
Haryana State
OthersSDL0.25%
Kotak Mahindra Bank Ltd.
FinancialCD0.25%
Punjab National Bank
FinancialCD0.25%
Nuvama Clearing Services Ltd.
FinancialCP0.25%
Bharti Telecom Ltd.
CommunicationDebenture0.24%
Tamilnadu State
OthersSDL0.23%
FinancialDebenture0.22%
Godrej Industries Ltd.
Consumer StaplesDebenture0.21%
Madhya Pradesh State
OthersSDL0.18%
GOI
SovereignGOI Sec0.16%
Torrent Power Ltd.
EnergyDebenture0.13%
REC Ltd.
FinancialBonds0.13%
Small Industries Devp. Bank of India Ltd.
FinancialNCD0.13%
Karnataka State
OthersSDL0.13%
Maharashtra State
OthersSDL0.13%
Bharti Telecom Ltd.
CommunicationDebenture0.13%
Reliance Life Sciences Pvt Ltd.
HealthcareDebenture0.13%
Rajasthan State
OthersSDL0.13%
EnergyDebenture0.13%
FinancialDebenture0.13%
Bharti Telecom Ltd.
CommunicationCP0.13%
Axis Bank Ltd.
FinancialCD0.13%
IDFC First Bank Ltd.
FinancialCD0.13%
Union Bank of India
FinancialCD0.13%
HDFC Bank Ltd.
FinancialCD0.13%
Kotak Mahindra Bank Ltd.
FinancialCD0.13%
Kotak Mahindra Bank Ltd.
FinancialCD0.12%
Jubilant Bevco Ltd.
Consumer StaplesDebenture0.11%
Jubilant Beverages Ltd.
Consumer StaplesDebenture0.11%
LIC Housing Finance Ltd.
FinancialDebenture0.09%
Pipeline Infrastructure (India) Pvt. Ltd.
ConstructionDebenture0.08%
FinancialNCD0.08%
Rajasthan State
OthersSDL0.06%
Rajasthan State
OthersSDL0.05%
Maharashtra State
OthersSDL0.05%
Torrent Power Ltd.
EnergyNCD0.05%
FinancialDebenture0.05%
Andhra Pradesh State
FinancialSDL0.03%
Maharashtra State
OthersSDL0.03%
Tamilnadu State
OthersSDL0.03%
Maharashtra State
OthersSDL0.03%
Muthoot Finance Ltd.
FinancialDebenture0.03%
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 returns8.4%7.6%6.3%7.8%
Category average7.3%6.8%5.5%NA
Rank with in category124NA
Understand terms

Expense ratio, exit load and tax

Expense ratio: 0.33%

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
Higher alpha: 2.78 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: 0.33%
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

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