An open-ended low duration debt scheme investing in instruments such that Macaulay duration of the portfolio is between 6 months and 12 months. A relatively high interest rate risk and moderate credit risk.
July 2026
| Debt Scheme |  |
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| Investment Objective | |
| The objective of the scheme is to provide income which is consistent with a portfolio through investments in a basket of Investment Objective debt and money market instruments of short maturities with a view to provide reasonable returns. The Scheme does not guarantee/indicate any returns. There is no assurance that the objective of the Scheme will be achieved. | |
| Fund Category: Low Duration Fund | |
| Scheme Rating: [ICRA]AAAmfs | |
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| Fund Snapshot | |
| Date of Allotment : May 14, 1998 | |
| Benchmark: Nifty Low Duration Debt Index A-I | |
| Fund Manager - Mr. Kaustubh Gupta Managing the Fund Since: July 15, 2011 Experience in Managing the Fund: 15.1Years |
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| Fund Manager - Mr. Mohit Sharma Managing the Fund Since: April 01, 2017 Experience in Managing the Fund: 9.3 Years |
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| SIP: Daily/Weekly/Monthly: Minimum ₹ 100/-and in multiples of ₹ 1/- thereafter |
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| Application Amount for fresh subscription: ₹ 100 (plus in multiplies of ₹ 1) |
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| Minimum Additional Investment: ₹ 100 (plus in multiplies of ₹ 1) |
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| 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 | 9,913.79 |
| Monthly Average AUM | 10,224.64 |
| Base Expense Ratio (BER) | |
| Regular | 1.04% |
| Direct | 0.36% |
| BER excludes brokerage incurred towards execution of trades, transaction cost & statutory levies as applicable to investors. | |
| NAV as on July 31, 2026 | |
| Regular Growth | 696.98 |
| Regular IDCW$ | 100.00 |
| Regular IDCW$ | 100.60 |
| Direct Growth | 778.79 |
| Direct IDCW$ | 100.00 |
| Direct IDCW$ | 100.73 |
$Income Distribution cum capital withdrawal Note: Standard Deviation, Sharpe Ratio & Beta are calculated on Annualised basis
using 3 years history of monthly returns. |
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| Top 10 Sectoral Contribution (in %) |
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| Rating Profile of Portfolio |
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| Instrument Profile | |
| Instrument Name | % Net Assets |
| Bonds & Debentures | 65.23% |
| Sovereign | 14.65% |
| Certificate of Deposit | 14.32% |
| Others | 4.91% |
| Commercial Papers | 0.88% |
| Debt Quants | |
| Modified Duration | 0.91 years |
| Average Maturity | 1.09 years |
| Yield to Maturity | 7.48% |
| Macaulay Duration | 0.98 years |
| Standard Deviation | 0.68% |
| Sector/Issuer Name | Rating |
% to Net Assets |
| Debt & Debt Related | ||
| Fixed rates bonds - Corporate | 68.53% | |
| ● Bharti Telecom Ltd. | CRISIL AAA | 7.89% |
| ● Jubilant Bevco Ltd. | CRISIL AA | 3.93% |
| ● JTPM Metal Traders Ltd. | CRISIL AA | 3.65% |
| ● REC Ltd. | ICRA AAA | 3.52% |
| ● Small Industries Development Bank of India | CRISIL AAA | 2.73% |
| ● Indian Railway Finance Corporation Ltd. | ICRA AAA | 2.69% |
| 360 One Prime Ltd. | ICRA AA | 2.53% |
| Tata Capital Housing Finance Ltd. | ICRA AAA | 2.49% |
| ICICI Home Finance Co. Ltd. | CRISIL AAA | 2.45% |
| National Bank for Agriculture and Rural Development | ICRA AAA | 2.23% |
| Poonawalla Fincorp Ltd. | CRISIL AAA | 1.96% |
| Small Industries Development Bank of India | CRISIL AAA | 1.89% |
| REC Ltd. | ICRA AAA | 1.82% |
| Vedanta Ltd. | CRISIL AA+ | 1.80% |
| Embassy Office Parks Reit | CRISIL AAA | 1.78% |
| Aditya Birla Housing Finance Ltd. | ICRA AAA | 1.75% |
| National Bank for Financing Infrastructure and Development | ICRA AAA | 1.74% |
| Knowledge Realty Trust | CRISIL AAA | 1.54% |
| Poonawalla Fincorp Ltd. | CRISIL AAA | 1.40% |
| Hinduja Leyland Finance Ltd. | CRISIL AA+ | 1.31% |
| Muthoot Finance Ltd. | ICRA AA+ | 1.28% |
| Hinduja Leyland Finance Ltd. | CRISIL AA+ | 1.26% |
| Small Industries Development Bank of India | CRISIL AAA | 1.26% |
| Tata Capital Housing Finance Ltd. | ICRA AAA | 1.01% |
| Jio Credit Ltd. | CRISIL AAA | 1.00% |
| Housing and Urban Development Corporation Ltd. | ICRA AAA | 1.00% |
| SMFG India Home Finance Co. Ltd. | CARE AAA | 0.91% |
| REC Ltd. | CRISIL AAA | 0.76% |
| Hinduja Leyland Finance Ltd. | CRISIL AA+ | 0.64% |
| Aditya Birla Housing Finance Ltd. | ICRA AAA | 0.61% |
| Hero Housing Finance Ltd. | ICRA AA+ | 0.61% |
| JSW Energy Ltd. | ICRA AA | 0.60% |
| RJ Corp Ltd. | CRISIL AAA | 0.53% |
| Tata Capital Housing Finance Ltd. | ICRA AAA | 0.50% |
| REC Ltd. | ICRA AAA | 0.50% |
| National Bank for Agriculture and Rural Development | ICRA AAA | 0.50% |
| Piramal Finance Ltd. | CARE AA+ | 0.41% |
| Small Industries Development Bank of India | CRISIL AAA | 0.40% |
| Bharti Telecom Ltd. | CARE AAA | 0.30% |
| Bharti Telecom Ltd. | CRISIL AAA | 0.29% |
| Aditya Birla Capital Ltd. | ICRA AAA | 0.26% |
| TATA Capital Ltd. | ICRA AAA | 0.25% |
| Hero Housing Finance Ltd. | ICRA AA+ | 0.25% |
| JSW Energy Ltd. | ICRA AA | 0.25% |
| Tata Capital Housing Finance Ltd. | ICRA AAA | 0.25% |
| REC Ltd. | ICRA AAA | 0.25% |
| L&T Finance Ltd. | ICRA AAA | 0.25% |
| JSW Energy Ltd. | ICRA AA | 0.25% |
| Summit Digitel Infrastructure Pvt. Ltd. | CRISIL AAA | 0.20% |
| National Bank for Agriculture and Rural Development | ICRA AAA | 0.20% |
| Small Industries Development Bank of India | CRISIL AAA | 0.20% |
| Embassy Office Parks Reit | CRISIL AAA | 0.18% |
| L&T Finance Ltd. | IND AAA | 0.10% |
| TATA Capital Ltd. | ICRA AAA | 0.10% |
| National Bank for Agriculture and Rural Development | ICRA AAA | 0.03% |
| National Bank for Agriculture and Rural Development | ICRA AAA | 0.03% |
| Money Market Instruments | 16.47% | |
| ● National Bank for Agriculture and Rural Development | ICRA A1+ | 2.92% |
| Small Industries Development Bank of India | CRISIL A1+ | 2.23% |
| Punjab National Bank | ICRA A1+ | 1.70% |
| Small Industries Development Bank of India | CRISIL A1+ | 0.97% |
| Canara Bank | ICRA A1+ | 0.97% |
| Kotak Mahindra Bank Ltd. | CRISIL A1+ | 0.97% |
| Indian Bank | CRISIL A1+ | 0.97% |
| Indian Bank | CRISIL A1+ | 0.97% |
| Small Industries Development Bank of India | CRISIL A1+ | 0.97% |
| Sundaram Finance Ltd. | ICRA A1+ | 0.96% |
| ICICI Bank Ltd. | ICRA A1+ | 0.73% |
| ICICI Bank Ltd. | ICRA A1+ | 0.49% |
| Punjab National Bank | ICRA A1+ | 0.49% |
| Union Bank of India | ICRA A1+ | 0.34% |
| HDFC Bank Ltd. | ICRA A1+ | 0.34% |
| HDFC Bank Ltd. | ICRA A1+ | 0.24% |
| Punjab National Bank | ICRA A1+ | 0.19% |
| TREASURY BILLS | 15.87% | |
| ● Reserve Bank of India | SOV | 5.03% |
| ● Reserve Bank of India | SOV | 3.26% |
| ● Reserve Bank of India | SOV | 2.65% |
| Reserve Bank of India | SOV | 1.70% |
| Reserve Bank of India | SOV | 1.51% |
| Reserve Bank of India | SOV | 1.22% |
| Reserve Bank of India | SOV | 0.50% |
| Sector/Issuer Name | Rating |
% to Net Assets |
| SECURITISED DEBT | 4.88% | |
| Shivshakti Securitisation Trust | CRISIL AAA(SO) | 2.31% |
| Radhakrishna Securitisation Trust | CRISIL AAA(SO) | 1.34% |
| India Universal Trust AL2 | IND AAA(SO) | 1.19% |
| India Universal Trust AL2 | IND AAA(SO) | 0.05% |
| Floating rates notes - Corporate | 2.12% | |
| ICICI Home Finance Co. Ltd. | ICRA AAA | 2.12% |
| Alternative Investment Funds (AIF) | 0.40% | |
| Corporate Debt Market Development Fund | 0.40% | |
| Interest Rate Swaps | 0.03% | |
| Barclays Bank PLC | 1.01% | |
| BNP Paribas | 1.01% | |
| DBS Bank Ltd. | 1.01% | |
| BNP Paribas | 1.01% | |
| HSBC Ltd. | 1.01% | |
| Barclays Bank PLC | 1.01% | |
| Barclays Bank PLC | 1.01% | |
| BNP Paribas | 1.01% | |
| ICICI Securities Primary Dealership Ltd. | 1.01% | |
| Barclays Bank PLC | 1.01% | |
| ICICI Securities Primary Dealership Ltd. | 1.01% | |
| Standard Chartered Bank | 1.01% | |
| HSBC Ltd. | 1.01% | |
| BNP Paribas | 1.01% | |
| Standard Chartered Bank | 1.01% | |
| BNP Paribas | 1.01% | |
| Standard Chartered Bank | 1.01% | |
| Barclays Bank PLC | 1.01% | |
| HSBC Ltd. | 1.01% | |
| DBS Bank Ltd. | 1.01% | |
| BNP Paribas | 1.01% | |
| ICICI Securities Primary Dealership Ltd. | 1.01% | |
| BNP Paribas | 1.01% | |
| ICICI Securities Primary Dealership Ltd. | 1.01% | |
| DBS Bank Ltd. | 1.01% | |
| BNP Paribas | 1.01% | |
| Standard Chartered Bank | 1.01% | |
| Standard Chartered Bank | 1.01% | |
| BNP Paribas | 1.01% | |
| Barclays Bank PLC | 1.01% | |
| DBS Bank Ltd. | 1.01% | |
| Barclays Bank PLC | 0.96% | |
| BNP Paribas | 0.26% | |
| IDFC First Bank Ltd. | 0.25% | |
| BNP Paribas | -0.25% | |
| IDFC First Bank Ltd. | -0.25% | |
| Barclays Bank PLC | -0.96% | |
| DBS Bank Ltd. | -1.01% | |
| DBS Bank Ltd. | -1.01% | |
| ICICI Securities Primary Dealership Ltd. | -1.01% | |
| ICICI Securities Primary Dealership Ltd. | -1.01% | |
| ICICI Securities Primary Dealership Ltd. | -1.01% | |
| ICICI Securities Primary Dealership Ltd. | -1.01% | |
| Standard Chartered Bank | -1.01% | |
| Standard Chartered Bank | -1.01% | |
| Barclays Bank PLC | -1.01% | |
| Barclays Bank PLC | -1.01% | |
| Barclays Bank PLC | -1.01% | |
| Barclays Bank PLC | -1.01% | |
| Barclays Bank PLC | -1.01% | |
| Barclays Bank PLC | -1.01% | |
| Standard Chartered Bank | -1.01% | |
| Standard Chartered Bank | -1.01% | |
| Standard Chartered Bank | -1.01% | |
| BNP Paribas | -1.01% | |
| BNP Paribas | -1.01% | |
| BNP Paribas | -1.01% | |
| BNP Paribas | -1.01% | |
| BNP Paribas | -1.01% | |
| BNP Paribas | -1.01% | |
| HSBC Ltd. | -1.01% | |
| HSBC Ltd. | -1.01% | |
| HSBC Ltd. | -1.01% | |
| BNP Paribas | -1.01% | |
| BNP Paribas | -1.01% | |
| BNP Paribas | -1.01% | |
| DBS Bank Ltd. | -1.01% | |
| DBS Bank Ltd. | -1.01% | |
| Net Cash and Cash Equivalent | -8.31% | |
| Grand Total | 100.00% |
| Product Label | |
| Scheme Name | |
| Aditya Birla Sun Life Low Duration Fund An open-ended low duration debt scheme investing in instruments such that Macaulay duration of the portfolio is between 6 months and 12 months. A relatively high interest rate risk and moderate credit risk |
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| This product is suitable for investors who are seeking*: | |
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|
Risk-o-meter  |
Benchmark Risk-o-meter Nifty Low Duration Debt Index A-I  |
| *Investors should consult their financial advisors if in doubt whether the product is suitable for them. | |