An open ended medium-term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 3-4 years. A relatively high interest rate risk and relatively high credit risk.
July 2026
| Debt Scheme |  |
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| Investment Objective | |
| The investment objective of the Scheme is to generate regular income and capital appreciation by predominantly Investment Objective investing in a portfolio of debt securities with medium term maturity. The Scheme does not guarantee/indicate any returns. There is no assurance that the objective of the Scheme will be achieved. | |
| Fund Category: Medium Duration Fund | |
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| Fund Snapshot | |
| Date of Allotment : Mar 25, 2009 | |
| Benchmark: CRISIL Medium Duration Debt A-III Index | |
| Fund Manager - Ms. Sunaina Da Cunha Managing the Fund Since: September 01, 2014 Experience in Managing the Fund: 11.9 Years |
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| Fund Manager - Mr. Mohit Sharma Managing the Fund Since: August 06, 2020 Experience in Managing the Fund: 6.0 Years |
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| SIP: Monthly: Minimum ₹ 1000/- |
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| Application Amount for fresh subscription: ₹ 1,000 (plus in multiplies of ₹ 1) |
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| Minimum Additional Investment: ₹ 1,000 (plus in multiplies of ₹ 1) |
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| Load Structure (as % of NAV) (Incl. for SIP) | |
| Entry Load: | NIL |
| Exit Load: | For redemption / switch-out of units on or before 1 year from the date of allotment: 1.00% of applicable NAV. For redemption / switch-out of units after 1 year: Nil |
| AUM as on July 31, 2026 (in ₹Crore) | |
| Month End AUM | 3,280.19 |
| Monthly Average AUM | 3,255.79 |
| Base Expense Ratio (BER) | |
| Regular | 1.32% |
| Direct | 0.71% |
| BER excludes brokerage incurred towards execution of trades, transaction cost & statutory levies as applicable to investors. | |
| NAV as on July 31, 2026 | |
| Regular Growth | 43.64 |
| Regular IDCW$ | 14.09 |
| Regular IDCW$ | 16.57 |
| Regular IDCW$ | 13.71 |
| Direct Growth | 47.83 |
| Direct IDCW$ | 15.07 |
| Direct IDCW$ | 18.22 |
| Direct IDCW$ | 14.47 |
$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 | 73.05% |
| Sovereign | 20.49% |
| Others | 4.79% |
| Cash & cash equivalent | 1.67% |
| Debt Quants | |
| Modified Duration | 2.95 years |
| Average Maturity | 4.36 years |
| Yield to Maturity | 8.09% |
| Macaulay Duration | 3.12 years |
| Standard Deviation | 2.05% |
| Sector/Issuer Name | Rating |
% to Net Assets |
| Debt & Debt Related | ||
| Fixed rates bonds - Corporate | 70.01% | |
| ● Bajaj Housing Finance Ltd. | CRISIL AAA | 4.66% |
| ● National Bank for Agriculture and Rural Development | ICRA AAA | 3.79% |
| ● National Bank for Agriculture and Rural Development | ICRA AAA | 3.45% |
| ● Hinduja Leyland Finance Ltd. | CRISIL AA+ | 3.34% |
| ● Oxyzo Financial Services Pvt. Ltd. | ICRA A+ | 2.71% |
| ● GMR Airports Ltd. | CRISIL A+ | 2.57% |
| ● JTPM Metal Traders Ltd. | CRISIL AA | 2.51% |
| ● Jubilant Bevco Ltd. | CRISIL AA | 2.51% |
| ● Kogta Financial (India) Ltd. | CARE AA- | 2.20% |
| Cholamandalam Investment & Finance Co. Ltd. | ICRA AA+ | 2.10% |
| Adani Power Ltd. | CRISIL AA | 2.06% |
| Gaursons India Pvt. Ltd. | ICRA A- | 2.06% |
| Vedanta Ltd. | ICRA AA+ | 1.84% |
| Narayana Hrudayalaya Ltd. | ICRA AA | 1.83% |
| Hero Housing Finance Ltd. | ICRA AA+ | 1.83% |
| JSW Energy Ltd. | ICRA AA | 1.83% |
| Nuvama Wealth Finance Ltd. | CARE AA | 1.78% |
| SIS Ltd. | CRISIL AA- | 1.75% |
| GMR Airports Ltd. | CRISIL A+ | 1.62% |
| National Bank for Financing Infrastructure and Development | ICRA AAA | 1.54% |
| National Bank for Agriculture and Rural Development | ICRA AAA | 1.53% |
| Housing and Urban Development Corporation Ltd. | ICRA AAA | 1.50% |
| Power Finance Corporation Ltd. | ICRA AAA | 1.49% |
| Ess Kay Fincorp Ltd. | ICRA AA- | 1.46% |
| Hinduja Housing Finance Ltd. | CARE AA+ | 1.41% |
| 360 One Prime Ltd. | ICRA AA | 1.38% |
| Power Finance Corporation Ltd. | ICRA AAA | 1.19% |
| IKF Finance Ltd. | CARE AA- | 1.14% |
| Adani Airport Holdings Ltd. | CRISIL AA- | 1.03% |
| Tata Capital Housing Finance Ltd. | ICRA AAA | 0.91% |
| JSW Energy Ltd. | ICRA AA | 0.90% |
| Power Finance Corporation Ltd. | ICRA AAA | 0.77% |
| Vedanta Ltd. | CRISIL AA+ | 0.77% |
| Aditya Birla Housing Finance Ltd. | ICRA AAA | 0.76% |
| Bharti Telecom Ltd. | CRISIL AAA | 0.76% |
| Eris Lifesciences Ltd. | IND AA | 0.73% |
| Eris Lifesciences Ltd. | IND AA | 0.73% |
| Delhi International Airport Ltd. | ICRA AA | 0.62% |
| Adani Power Ltd. | CRISIL AA | 0.61% |
| Indian Railway Finance Corporation Ltd. | ICRA AAA | 0.54% |
| Vedanta Ltd. | CRISIL AA+ | 0.46% |
| National Bank for Agriculture and Rural Development | ICRA AAA | 0.45% |
| Vertis Infrastructure Trust | CRISIL AAA | 0.38% |
| SK Finance Ltd. | ICRA AA- | 0.31% |
| REC Ltd. | CRISIL AAA | 0.15% |
| Sector/Issuer Name | Rating |
% to Net Assets |
| REC Ltd. | CRISIL AAA | 0.03% |
| Government Bond | 14.20% | |
| ● Government of India 6.94% 11.05.2036 GOV | SOV | 12.13% |
| Government of India 6.9% 15.04.2065 GOV | SOV | 1.39% |
| Government of India 7.54% 23.05.2036 GOV | SOV | 0.32% |
| Government of India 6.68% 07.07.2040 GOV | SOV | 0.15% |
| Government Of India 7.26% 06.02.2033 GOV | SOV | 0.13% |
| Government Of India 7.1% 08.04.2034 GOV | SOV | 0.06% |
| Government Of India 7.17% 08.01.2028 GOV | SOV | 0.01% |
| Government Of India 7.26% 14.01.2029 GOV | SOV | 0.01% |
| State Government bond | 5.80% | |
| State Government of Telangana 7.93% 29.06.2035 SDL | SOV | 1.93% |
| State Government of Uttar Pradesh 7.78% 23.03.2035 SDL | SOV | 0.62% |
| State Government Of Rajasthan 7.72% 25.05.2035 SDL | SOV | 0.57% |
| State Government of Assam 7.63% 03.09.2035 SDL | SOV | 0.46% |
| State Government of Haryana 7.49% 27.03.2035 SDL | SOV | 0.46% |
| State Government Of Andhra Pradesh 7.9% 01.06.2034 SDL | SOV | 0.41% |
| State Government Of Karnataka 7.44% 09.02.2035 SDL | SOV | 0.40% |
| State Government of Assam 7.54% 02.05.2034 SDL | SOV | 0.31% |
| State Government of Jharkhand 7.2% 24.02.2035 SDL | SOV | 0.30% |
| State Government of Tamil Nadu 7.46% 18.03.1935 SDL | SOV | 0.14% |
| State Government of Rajasthan 6.99% 18.03.2036 SDL | SOV | 0.09% |
| State Government of Karnataka 6.97% 26.02.2028 SDL | SOV | 0.05% |
| State Government of Maharashtra 8.08% 26.12.2028 SDL | SOV | 0.03% |
| State Government of Maharashtra 6.97% 18.02.2028 SDL | SOV | 0.01% |
| State Government Of Andhra Pradesh 6.35% 06.05.2027 SDL | SOV | 0.01% |
| State Government of Uttar Pradesh 8.73% 24.10.2028 SDL | SOV | 0.01% |
| Floating rates notes - Corporate | 1.31% | |
| IKF Finance Ltd. | CARE AA- | 1.31% |
| Alternative Investment Funds (AIF) | 0.28% | |
| Corporate Debt Market Development Fund | 0.28% | |
| Sector/Issuer Name | % to Net Assets | |
| INVITs | ||
| INVITS | 2.83% | |
| IRB Invit Fund | 1.00% | |
| IndiGrid Infrastructure Trust | 0.83% | |
| Indus Infra Trust | 0.77% | |
| Raajmarg Infra Investment Trust | 0.23% | |
| Sector/Issuer Name | % of Derivatives | % of Net AUM |
| Equity & Equity Related | ||
| REITS | 1.57% | |
| Nexus Select Trust | 0.92% | |
| Embassy Office Parks Reit | 0.64% | |
| Net Cash and Cash Equivalent | 4.00% | |
| Grand Total | 100.00% |
| Product Label | |
| Scheme Name | |
| Aditya Birla Sun Life Medium Term Plan An open ended medium-term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 3-4 years. A relatively high interest rate risk and relatively high 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 CRISIL Medium Duration Debt A-III Index  |
| *Investors should consult their financial advisors if in doubt whether the product is suitable for them. | |