Aditya Birla Sun LifeDebtModerate Risk

Aditya Birla Sun Life Debt Fund - Regular Plan - Growth

Current NAV₹51.14as of 30/5/2026

AUM6112.00 Cr

AUM

6112.00 Cr

Expense Ratio

1.05%

Min SIP

₹500

Min Lumpsum

₹1000

Launch Date

3 April 2006

Exit Load

Nil

Riskometer

LowModerateHighVery High

Risk Level: Moderate

Volatility: 3.5 | Sharpe Ratio: 0.71

Fund Manager & Key Metrics

Fund ManagerMahesh Patil(3.5 years yrs)

Volatility3.5

Sharpe Ratio0.71

Portfolio Turnover225%

BenchmarkCRISIL Composite Bond Fund Index

Holdings Date25/5/2026

Asset Allocation

Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00%

Investment Objective

Aims to provide capital appreciation by investing in Debt securities

Top Holdings

As of 25-May-2026

1. National Bank For Agriculture And Rural Development5.8%

2. Power Finance Corporation Ltd.5.2%

3. Rural Electrification Corporation Ltd.4.9%

4. 7.26% GOI 20324.5%

5. State Bank of India4.1%

6. National Highways Authority of India3.8%

7. Housing Development Finance Corporation Ltd.3.5%

8. Indian Railway Finance Corporation Ltd.3.2%

9. HDFC Bank Ltd.2.9%

10. Bajaj Finance Ltd.2.5%

Overview

Aditya Birla Sun Life Debt Fund - Regular Plan - Growth – Poora parichay aur strategy

Aditya Birla Sun Life Debt Fund - Regular Plan - Growth ek debt mutual fund hai jo ki Aditya Birla Sun Life Mutual Fund house ke under aata hai. Iska objective hai investors ko stable income provide karna aur capital preservation. Ye fund moderate risk profile wale investors ke liye suitable hai jo long-term returns ki talash mein hain. Is fund ka investment style primarily fixed income securities par focused hai, jaise government bonds aur corporate debentures. Agar aapko market volatility se bachne ki zarurat hai aur aapko regular income ki talash hai, toh ye fund aapke liye ek accha option ho sakta hai.

Performance & Analysis

Aditya Birla Sun Life Debt Fund - Regular Plan - Growth yearly return performance

Agar hum Aditya Birla Sun Life Debt Fund - Regular Plan - Growth ke returns ki baat karein toh recent performance kuch khaas nahi rahi hai. Is fund ne last 1 saal, 3 saal, aur 5 saal mein returns 0% dikhaye hain, jo ki kisi bhi investor ke liye disappointing ho sakta hai. Chaliye ek simple table dekhte hain jo fund ki performance ko benchmark se compare karta hai:

Period	Aditya Birla Sun Life Debt Fund - Regular Plan - Growth Returns	Benchmark (CRISIL Composite Bond Fund Index)
1 Year	0%	Data Not Available
3 Years	0%	Data Not Available
5 Years	0%	Data Not Available

Iske alawa, fund manager Mahesh Patil ne is fund ko 3.5 saal tak manage kiya hai. Unka experience fund ki consistency aur stability ko maintain karne mein madadgar raha hai. Lekin, abhi tak ka performance stabilize nahi hua hai.

⚠️ Disclaimer: Educational only. Mutual funds are subject to market risks. Past performance does not guarantee future returns. Consult your SEBI-registered advisor.

Aditya Birla Sun Life Debt Fund - Regular Plan - Growth portfolio breakdown for investors

Aditya Birla Sun Life Debt Fund - Regular Plan - Growth ki top holdings mein kuch notable names hain, jaise: 1. National Bank For Agriculture And Rural Development - 5.8% 2. Power Finance Corporation Ltd. - 5.2% 3. Rural Electrification Corporation Ltd. - 4.9% 4. 7.26% GOI 2032 - 4.5% 5. State Bank of India - 4.1% Ye fund ka sector allocation bhi kaafi diversified hai, jis se aapko risk exposure kam hota hai. Fund ki strategy risk ko minimize karne ke liye high-quality debt securities mein invest karne par focused hai. Isse aapko stable returns milne ki umeed hai, khas karke long-term mein.

Aditya Birla Sun Life Debt Fund - Regular Plan - Growth risk analysis and volatility

Is fund ka riskometer moderate hai, iska matlab hai ki ye fund moderate risk wale investors ke liye bana hai. Volatility ki baat karein, toh ye fund primarily debt securities mein invest karta hai, jo ki equities ki tarah zyada volatile nahi hote. Sharpe ratio ka data available nahi hai, par aap yeh samajh sakte hain ki debt funds mein risk comparatively low hota hai. Isliye, agar aap risk avoid karna chahte hain ya aapko zyada fluctuations nahi pasand, toh ye fund aapke liye sahi ho sakta hai.

Who Should Invest?

Aditya Birla Sun Life Debt Fund - Regular Plan - Growth future outlook for long term investors

Agar hum future outlook ki baat karein toh Aditya Birla Sun Life Debt Fund - Regular Plan - Growth potential trends ke liye achha hai. Historical positioning se ye pata chalta hai ki debt markets kabhi kabhi volatility se bachne ka option provide karte hain, jab equities mein dhundhlaapan hota hai. Sector exposure ki wajah se, agar market mein stability aati hai, toh ye fund aapko achhe returns de sakta hai. Updated in May 2026, aap dekh sakte hain ki agar rates stable hote hain toh ye fund aapke liye beneficial ho sakta hai, khas kar jab aap long-term investment ki soch rahe hain. Lekin, exact return predictions karna mushkil hai.

Pros & Cons

Aditya Birla Sun Life Debt Fund - Regular Plan - Growth advantages and disadvantages

Stable income generation capability
Moderate risk profile, suitable for conservative investors
Diversified portfolio with quality debt securities
Managed by experienced fund manager Mahesh Patil

No significant returns in recent years
Higher expense ratio at 1.05%
Limited growth potential compared to equity funds

Frequently Asked Questions

Aditya Birla Sun Life Debt Fund - Regular Plan - Growth – aksar puche jaane wale sawaal (FAQs)

Kya Aditya Birla Sun Life Debt Fund - Regular Plan - Growth ek accha option hai beginners ke liye?

Haan, ye fund beginners ke liye accha option hai jo stable returns aur moderate risk chahte hain. Ye fixed income securities mein invest karta hai jo ki relatively safe hote hain.

SIP ke zariye Aditya Birla Sun Life Debt Fund - Regular Plan - Growth mein kaise invest kar sakte hain?

Aap SIP ke zariye is fund mein invest kar sakte hain, jo aapko regular interval par small amounts invest karne ki suvidha deta hai. Ye aapki investment ko disciplined banata hai.

Aditya Birla Sun Life Debt Fund - Regular Plan - Growth par tax ka kya prabhav hai?

Debt funds par tax 3 saal ke baad lagta hai. Agar aap 3 saal se pehle redeem karte hain, toh aapko short-term capital gains tax dena hoga, jo aapke income tax slab par depend karta hai.

Returns

Period	Fund Return (%)	Benchmark (CRISIL Composite Bond Fund Index) (%)
1 Year	0%	—
3 Years	0%	—
5 Years	0%	—
Since Launch	8.56%	—

SIP Calculator

SIP / Lumpsum Calculator

Monthly SIP Amount (₹)

SIP Period (Years)

Hold Period After SIP (Years)

Annual Step-Up (%)

Return Scenario

Based on fund's 1Y return of 12.0%

Invested: ₹956k

Gains: ₹15642k

Total Invested

₹956245.48

Total Returns

+ ₹15641892.92

Maturity Value

₹16598138.40

SIP of ₹5000 for 10 years (stepping up 10% annually), then held for 20 years at 12.0% p.a.

*Projected returns are for illustration only. Past performance does not guarantee future returns.

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Disclaimer: Mutual fund investments are subject to market risks. Please read all scheme‑related documents carefully before investing. Past performance does not guarantee future returns. The content on this page is for educational purposes only.