An open ended medium term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 4-7 years. A relatively high interest rate risk and moderate credit risk.
July 2026
| Debt Scheme |  |
 |
 |
 |
| Investment Objective | |
| The objective of the scheme is to generate consistent income through superior yields on its investments at moderate levels of risk through a diversified investment approach. This income may be complemented by price changes of instruments in the portfolio. The Scheme does not guarantee/indicate any returns. There is no assurance that the objective of the Scheme will be achieved. | |
| Fund Category: Medium to Long Duration Fund | |
| Scheme Rating: [ICRA]AAAmfs | |
 |
|
| Fund Snapshot | |
| Date of Allotment : Oct 21, 1995 | |
| Benchmark: CRISIL Medium to Long Duration Debt A-III Index | |
| Fund Manager - Mr. Bhupesh Bameta Managing the Fund Since: Aug 06, 2020 Experience in Managing the Fund: 6.0 Years |
|
| SIP: Monthly: Minimum ₹ 1000/- |
|
| Application Amount for fresh subscription: ₹ 5,000 (plus in multiplies of ₹ 1) |
|
| Minimum Additional Investment: ₹ 1,000 (plus in multiplies of ₹ 1) |
|
| Load Structure (as % of NAV) (Incl. for SIP) | |
| Entry Load: | NIL |
| Exit Load: | NIL |
| AUM as on July 31 2026 (in ₹Crore) | |
| Month End AUM | 1,780.07 |
| Monthly Average AUM | 1,784.09 |
| Base Expense Ratio (BER) | |
| Regular | 0.93% |
| Direct | 0.59% |
| BER excludes brokerage incurred towards execution of trades, transaction cost & statutory levies as applicable to investors. | |
| NAV as on July 31, 2026 | |
| Regular Growth | 130.03 |
| Regular IDCW$ | 12.29 |
| Regular IDCW$ | 13.09 |
| Direct Growth | 140.88 |
| Direct IDCW$ | 13.16 |
| Direct IDCW$ | 14.12 |
$Income Distribution cum capital withdrawal Note: Standard Deviation, Sharpe Ratio & Beta are calculated on Annualised basis
using 3 years history of monthly returns. |
|
 |
|
| Sectoral Contribution(in %) |
 |
| Rating Profile of Portfolio |
 |
| Instrument Profile | |
| Instrument Name | % Net Assets |
| Sovereign | 68.39% |
| Bonds & Debentures | 28.71% |
| Others | 1.79% |
| Cash & cash equivalent | 1.11% |
| Debt Quants | |
| Modified Duration | 6.6 years |
| Average Maturity | 14.78 years |
| Yield to Maturity | 7.54% |
| Macaulay Duration | 6.87 years |
| Standard Deviation | 2.84% |
| Sector/Issuer Name | Rating |
% to Net Assets |
| Debt & Debt Related | ||
| State Government bond | 36.22% | |
| ● State Government Of Karnataka 7.44% 27.03.2033 SDL | SOV | 3.09% |
| ● State Government of Karnataka 7.31% 04.09.2033 SDL | SOV | 2.82% |
| ● State Government Of Karnataka 7.36% 13.03.2034 SDL | SOV | 2.81% |
| State Government of Andhra Pradesh 6.84% 04.06.2038 SDL | SOV | 2.66% |
| State Government of Haryana 8.44% 06.03.2034 SDL | SOV | 1.49% |
| State Government of Karnataka 7.62% 25.09.2036 SDL | SOV | 1.42% |
| State Government of Bihar 7.54% 03.09.2033 SDL | SOV | 1.42% |
| State Government of Assam 7.63% 03.09.2035 SDL | SOV | 1.42% |
| State Government of Madhya Pradesh 7.59% 22.02.2038 SDL | SOV | 1.41% |
| State Government of Karnataka 7.47% 25.08.2036 SDL | SOV | 1.41% |
| State Government of Karnataka 7.31% 04.09.2034 SDL | SOV | 1.41% |
| State Government of Assam 7.22% 18.03.2032 SDL | SOV | 1.41% |
| State Government of Bihar 7.4% 03.12.2035 SDL | SOV | 1.40% |
| State Government of Tamil Nadu 7.09% 03.12.2032 SDL | SOV | 1.40% |
| State Government of Tamil Nadu 7.18% 03.12.2033 SDL | SOV | 1.40% |
| State Government of Madhya Pradesh 7.2% 03.12.2033 SDL | SOV | 1.40% |
| State Government of Uttarakhand 6.97% 30.07.2035 SDL | SOV | 1.36% |
| State Government of Chhattisgarh 7.47% 27.03.2034 SDL | SOV | 1.01% |
| State Government of Chhattisgarh 7.47% 27.03.2033 SDL | SOV | 0.90% |
| State Government of Rajasthan 7.97% 08.04.2043 SDL | SOV | 0.87% |
| State Government of Uttar Pradesh 7.49% 07.02.2034 SDL | SOV | 0.85% |
| State Government of Gujarat 7.7% 03.06.2036 SDL | SOV | 0.77% |
| State Government of Maharashtra 7.03% 25.06.2038 SDL | SOV | 0.67% |
| State Government of West Bengal 7.58% 22.07.2035 SDL | SOV | 0.51% |
| State Government of Maharashtra 7.2% 03.12.2034 SDL | SOV | 0.45% |
| State Government of Chhattisgarh 7.49% 27.03.2035 SDL | SOV | 0.14% |
| State Government of Rajasthan 7.47% 27.03.2033 SDL | SOV | 0.08% |
| State Government of Telangana 7.65% 15.04.2030 SDL | SOV | 0.06% |
| State Government of Uttar Pradesh 7.65% 15.04.2030 SDL | SOV | 0.06% |
| State Government of Maharashtra 6.54% 09.02.2027 SDL | SOV | 0.05% |
| State Government of Uttar Pradesh 7.81% 29.03.2034 SDL | SOV | 0.05% |
| State Government of Tamil Nadu 6.72% 07.10.2027 SDL | SOV | 0.02% |
| State Government of Chhattisgarh 7.88% 15.03.2027 SDL | SOV | 0.01% |
| Government Bond | 31.05% | |
| ● Government Of India 7.34% 22.04.2064 GOV | SOV | 14.83% |
| ● Government of India 7.71% 18.05.2066 GOV | SOV | 5.73% |
| ● Government Of India 7.3% 19.06.2053 GOV | SOV | 2.75% |
| Government of India 7.24% 18.08.2055 GOV | SOV | 2.65% |
| Sector/Issuer Name | Rating |
% to Net Assets |
| Government Of India 7.25% 12.06.2063 GOV | SOV | 2.42% |
| Government Of India 7.1% 08.04.2034 GOV | SOV | 0.86% |
| Government of India 6.94% 11.05.2036 GOV | SOV | 0.78% |
| Government of India 7.06% 27.07.2041 GOV | SOV | 0.62% |
| Government Of India 6.83% 19.01.2039 GOV | SOV | 0.17% |
| Government of India 7.09% 25.11.2074 GOV | SOV | 0.15% |
| Government Of India 7.26% 06.02.2033 GOV | SOV | 0.06% |
| Government Of India 5.74% 15.11.2026 GOV | SOV | 0.03% |
| Fixed rates bonds - Corporate | 28.25% | |
| ● Tata Capital Housing Finance Ltd. | ICRA AAA | 4.14% |
| ● National Bank for Agriculture and Rural Development | CRISIL AAA | 2.81% |
| ● Tata Capital Housing Finance Ltd. | ICRA AAA | 2.81% |
| ● National Bank for Agriculture and Rural Development | ICRA AAA | 2.80% |
| L&T Finance Ltd. | CRISIL AAA | 1.41% |
| National Bank for Agriculture and Rural Development | CRISIL AAA | 1.41% |
| Tata Capital Housing Finance Ltd. | ICRA AAA | 1.41% |
| National Bank for Agriculture and Rural Development | ICRA AAA | 1.41% |
| SMFG India Home Finance Co. Ltd. | CARE AAA | 1.41% |
| REC Ltd. | ICRA AAA | 1.41% |
| Embassy Office Parks Reit | CRISIL AAA | 1.40% |
| REC Ltd. | CRISIL AAA | 1.40% |
| ICICI Home Finance Co. Ltd. | CRISIL AAA | 1.39% |
| Indian Railway Finance Corporation Ltd. | ICRA AAA | 1.39% |
| Bharti Telecom Ltd. | CRISIL AAA | 1.11% |
| REC Ltd. | ICRA AAA | 0.28% |
| Power Finance Corporation Ltd. | ICRA AAA | 0.28% |
| SECURITISED DEBT | 1.38% | |
| Siddhivinayak Securitisation Trust | CRISIL AAA(SO) | 1.38% |
| Alternative Investment Funds (AIF) | 0.37% | |
| Corporate Debt Market Development Fund | 0.37% | |
| Cash Management Bills | 0.01% | |
| Government of India | SOV | 0.01% |
| Interest Rate Swaps | 0.00% | |
| The Clearing Corporation of India Ltd. | 1.41% | |
| The Clearing Corporation of India Ltd. | 1.41% | |
| The Clearing Corporation of India Ltd. | -1.40% | |
| The Clearing Corporation of India Ltd. | -1.40% | |
| Net Cash and Cash Equivalent | 2.71% | |
| Grand Total | 100.00% |
| Product Label | |
| Scheme Name | |
| Aditya Birla Sun Life Income Fund An open ended medium term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 4-7 years. A relatively high interest rate risk and moderate credit risk. |
|
| This product is suitable for investors who are seeking*: | |
|
|
Risk-o-meter  |
Benchmark Risk-o-meter CRISIL Medium to Long Duration Debt A-III Index  |
| *Investors should consult their financial advisors if in doubt whether the product is suitable for them. | |