Aditya Birla Sun Life Savings Fund

An open ended ultra-short term debt scheme investing in instruments such that Macaulay duration of the portfolio is between 3 months and 6 months. A moderate interest rate risk and moderate credit risk.

June 2026

Debt Scheme
Investment Objective
The primary objective is to generate regular income through investments in debt and money market instruments. Income may be generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The scheme will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents. The Scheme does not guarantee/indicate any returns. There is no assurance that the objective of the Scheme will be achieved.
Fund Category: Ultra Short Duration Fund
Scheme Rating: [ICRA]A1+mfs
Fund Snapshot
Date of Allotment : Apr 15, 2003
Benchmark: Nifty Ultra Short Duration Debt Index A-I
Fund Manager - Mr. Kaustubh Gupta
Managing the Fund Since: July 15, 2011
Experience in Managing the Fund: 15.0 Years
Fund Manager - Ms. Sunaina Da Cunha
Managing the Fund Since: June 20, 2014
Experience in Managing the Fund: 12.0 Years
Fund Manager - Ms. Monika Gandhi
Managing the Fund Since: March 22, 2021
Experience in Managing the Fund: 5.3 Years
SIP:
Monthly: Minimum ₹ 1000/-
Application Amount for fresh subscription:
₹ 1,000 (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 June 30, 2026 (in ₹Crore)
Month End AUM 17,816.33
Monthly Average AUM 18,727.58
Base Expense Ratio (BER)
Regular 0.49%
Direct 0.26%
BER excludes brokerage incurred towards execution of trades, transaction cost & statutory levies as applicable to investors.
NAV as on June 30, 2026
Regular Growth 583.83
Regular IDCW$ 100.03
Regular IDCW$ 100.50
Retail Growth 563.00
Retail IDCW$ 100.33
Retail IDCW$ 100.87
Direct Growth 595.79
Direct IDCW$ 100.07
Direct IDCW$ 100.57

$Income Distribution cum capital withdrawal

Note: Standard Deviation, Sharpe Ratio & Beta are calculated on Annualised basis using 3 years history of monthly returns.
Risk Free Rate assumed to be 5.5 % (FBIL OvernightMIBOR as on 30 June, 2026) for calculating SharpeRatio
Top 10 Sectoral Contribution (in %)
Rating Profile of Portfolio
Instrument Profile
Instrument Name
% Net Assets
Bonds & Debentures
52.47%
Certificate of Deposit
28.30%
Sovereign
12.38%
Commercial Papers
6.50%
Cash & cash equivalent
0.35%
Debt Quants
Modified Duration
0.49 years
Average Maturity
0.55 years
Yield to Maturity
7.45%
Macaulay Duration
0.51 years
Standard Deviation
0.50%
Portfolio Holdings as on June 30, 2026
( • Top Ten Holdings - Issuerwise)
Sector/Issuer Name
Rating
% to Net Assets
Debt & Debt Related    
Fixed rates bonds - Corporate   52.42%
● Shriram Finance Ltd CRISIL AAA 3.41%
● Bharti Telecom Limited CRISIL AAA 2.23%
● Muthoot Finance Limited CRISIL AA+ 1.96%
Vedanta Limited CRISIL AA 1.85%
Mankind Pharma Ltd CRISIL AA+ 1.80%
Avanse Financial Services Ltd CRISIL AA- 1.69%
Power Finance Corporation Limited ICRA AAA 1.67%
Piramal Finance Limited ICRA AA+ 1.60%
Sk Finance Ltd IND AA- 1.40%
National Bank For Agriculture and Rural Development CRISIL AAA 1.35%
Godrej Industries Limited ICRA AA+ 1.35%
Muthoot Finance Limited ICRA AA+ 1.33%
Hinduja Leyland Finance Limited CRISIL AA+ 1.32%
Bharti Telecom Limited CRISIL AAA 1.15%
JSW Energy Limited ICRA AA 1.12%
Muthoot Finance Limited ICRA AA+ 1.10%
JSW Steel Limited ICRA AA 1.09%
Jubilant Bevco Ltd CRISIL AA 1.07%
Godrej Properties Limited ICRA AA+ 1.04%
Mindspace Business Parks REIT ICRA AAA 0.91%
Mahindra Rural Housing Finance Limited CRISIL AAA 0.91%
Piramal Finance Limited CARE AA+ 0.85%
360 ONE Prime Ltd ICRA AA 0.85%
Godrej Properties Limited ICRA AA+ 0.84%
Mindspace Business Parks REIT CRISIL AAA 0.84%
Shriram Pistons & Rings Ltd IND AA+ 0.84%
Torrent Pharmaceuticals Limited ICRA AA+ 0.84%
Shriram Pistons & Rings Ltd IND AA+ 0.84%
Power Finance Corporation Limited ICRA AAA 0.84%
Vedanta Limited CRISIL AA 0.77%
Cholamandalam Investment and Finance Company Limited ICRA AA+ 0.70%
Can Fin Homes Limited ICRA AAA 0.70%
Hinduja Housing Finance Ltd CARE AA+ 0.70%
Adani Airport Holdings Ltd CRISIL AA- 0.70%
Knowledge Realty Trust CRISIL AAA 0.69%
Jtpm Metal Traders Pvt Ltd CRISIL AA 0.63%
Muthoot Finance Limited ICRA AA+ 0.56%
Nirma Limited CRISIL AA 0.56%
Arka Fincap Limited CRISIL AA 0.56%
SMFG India Home Finance Company Limited CRISIL AAA 0.56%
Tata Motors Passenger Vehicles Ltd CRISIL AA+ 0.56%
REC Limited CRISIL AAA 0.49%
National Bank For Agriculture and Rural Development CRISIL AAA 0.43%
Hero Housing Finance Ltd ICRA AA+ 0.42%
GIC Housing Finance Limited ICRA AA+ 0.42%
Nuvama Wealth Finance Ltd CARE AA 0.37%
RJ Corp Ltd CRISIL AAA 0.29%
Godrej Properties Limited ICRA AA+ 0.28%
REC Limited ICRA AAA 0.28%
Aditya Birla Housing Finance Limited ICRA AAA 0.28%
JM Financial Credit Solutions Ltd ICRA AA 0.28%
LIC Housing Finance Limited CRISIL AAA 0.28%
Torrent Power Limited CRISIL AA+ 0.28%
Bharti Telecom Limited CARE AAA 0.25%
REC Limited CRISIL AAA 0.23%
Godrej Industries Limited ICRA AA+ 0.23%
Torrent Power Limited CRISIL AA+ 0.20%
JM Financial Products  Limited CRISIL AA 0.19%
Mankind Pharma Ltd ICRA AA+ 0.14%
REC Limited ICRA AAA 0.14%
Torrent Power Limited CRISIL AA+ 0.14%
Godrej Industries Limited ICRA AA+ 0.14%
Aditya Birla Finance Limited ICRA AAA 0.14%
REC Limited ICRA AAA 0.14%
REC Limited ICRA AAA 0.14%
Jubilant Beverages Ltd CRISIL AA 0.13%
REC Limited CRISIL AAA 0.12%
LIC Housing Finance Limited CRISIL AAA 0.10%
Pipeline Infrastructure Limited CRISIL AAA 0.08%
National Bank For Agriculture and Rural Development ICRA AAA 0.02%
Money Market Instruments   35.78%
● National Bank For Agriculture and Rural Development ICRA A1+ 4.09%
● IndusInd Bank Limited CRISIL A1+ 4.08%
● Tata Teleservices Maharashtra Limited CRISIL A1+ 3.28%
● Small Industries Development Bank of India CRISIL A1+ 2.74%
● National Bank For Agriculture and Rural Development ICRA A1+ 2.69%
● HDFC Bank Limited ICRA A1+ 2.41%
IndusInd Bank Limited CRISIL A1+ 1.93%
Axis Bank Limited CRISIL A1+ 1.91%
Punjab National Bank ICRA A1+ 1.34%
Yes Bank Limited CRISIL A1+ 1.33%
Bank of Baroda CARE A1+ 1.09%
Export Import Bank of India ICRA A1+ 1.09%
IndusInd Bank Limited CRISIL A1+ 1.09%
Export Import Bank of India ICRA A1+ 1.07%
Godrej Housing Finance Limited ICRA A1+ 1.07%
Godrej Housing Finance Limited ICRA A1+ 0.54%
Punjab National Bank ICRA A1+ 0.54%
Yes Bank Limited CRISIL A1+ 0.53%
Bank of Baroda CARE A1+ 0.41%
Muthoot Finance Limited ICRA A1+ 0.41%
Axis Bank Limited ICRA A1+ 0.27%
National Bank For Agriculture and Rural Development ICRA A1+ 0.27%
IndusInd Bank Limited CRISIL A1+ 0.27%
The Federal Bank Limited CRISIL A1+ 0.27%
Yes Bank Limited CRISIL A1+ 0.27%
SMFG India Credit Co. Ltd. ICRA A1+ 0.14%
Indian Bank CRISIL A1+ 0.14%
Muthoot Finance Limited ICRA A1+ 0.14%
Kotak Mahindra Bank Limited CRISIL A1+ 0.14%
HDFC Bank Limited ICRA A1+ 0.13%
Axis Bank Limited ICRA A1+ 0.08%
Piramal Finance Limited CRISIL A1+ 0.03%
TREASURY BILLS   7.35%
● 182 DAYS T-BILL 18SEP26 SOV 4.72%
364 DAYS T-BILL - 02OCT2026 SOV 1.38%
364 DAYS T-BILL - 03SEP2026 SOV 1.06%
364 DAYS T-BILL - 24SEP2026 SOV 0.19%
State Government bond   4.41%
7.35% HARYANA 14SEP26 SDL SOV 0.84%
6.04% GUJARAT 20OCT2026 SDL SOV 0.70%
7.76% MADHYA PRADESH 01MAR27 SDL SOV 0.34%
8.84% RAJASTHAN 12SEP28 SDL SOV 0.29%
8.18% TN 09DEC28 SDL SOV 0.29%
6.48% RAJASTHAN 02MAR2027 SDL SOV 0.28%
7.37% TAMIL NADU 14SEP2026 SDL SOV 0.28%
8.57% HARYANA 04JUL28 SDL SOV 0.26%
6.45% BIHAR 02JUN2027 SDL SOV 0.17%
8.50% GUJURAT 28NOV2028 SDL SOV 0.15%
7.10% BIHAR 14DEC2026 SDL SOV 0.11%
7.10% West Bengal SDL 14Dec2026 SOV 0.11%
6.89% BIHAR 23NOV2026 SDL SOV 0.08%
8.53 % RAJASTHAN 29AUG2028 SDL SOV 0.06%
8.44% RAJASTHAN 27JUN28 SDL SOV 0.06%
8.44% RAJASTHAN 07MAR28 SDL SOV 0.06%
8.13% RAJASTHAN 27MAR28 SDL SOV 0.06%
7.29% BIHAR 28DEC2026 SDL SOV 0.06%
6.97% MAHARASHTRA 18FEB2028 SDL SOV 0.06%
8.11% CHATTISGARH 31JAN28 SDL SOV 0.03%
7.28% HARYANA SDL  28Dec2026 SOV 0.03%
6.89% NAGALAND 23NOV2026 SDL SOV 0.03%
6.55% ANDHRA PRADESH 27MAY28 SDL SOV 0.03%
6.62 % CHHATTISGARH 27OCT2028 SDL SOV 0.03%
Floating rates notes - Corporate   1.51%
ICICI Home Finance Company Limited ICRA AAA 1.51%
Government Bond   0.58%
4.04% GOI FRB 04OCT2028 SOV 0.58%
Cash Management Bills   0.39%
182 DAYS T-BILL 18SEP26 SOV 0.14%
364 DAYS T-BILL - 02OCT2026 SOV 0.13%
364 DAYS T-BILL - 03SEP2026 SOV 0.12%
Alternative Investment Funds (AIF)   0.38%
Corporate Debt Market Development Fund   0.38%
Interest Rate Swaps   -0.01%
BNP Paribas - Indian branches   1.68%
Standard Chartered Bank   1.40%
DBS Bank Ltd/India   1.40%
BARCLAYS BANK PLC   1.40%
HSBC Bank   1.13%
BARCLAYS BANK PLC   1.12%
DBS Bank Ltd/India   1.12%
ICICI Bank Limited   1.12%
BNP Paribas - Indian branches   1.12%
BNP Paribas - Indian branches   1.12%
DBS Bank Ltd/India   1.12%
Sector/Issuer Name
Rating
% to Net Assets
DBS Bank Ltd/India   1.12%
DBS Bank Ltd/India   1.12%
Standard Chartered Bank   1.12%
DBS Bank Ltd/India   1.12%
IDFC First Bank Limited   1.12%
Standard Chartered Bank   1.12%
BNP Paribas - Indian branches   0.84%
ICICI Bank Limited   0.84%
BNP Paribas - Indian branches   0.84%
ICICI Securities Primary Dealership Limited   0.84%
ICICI Bank Limited   0.84%
ICICI Bank Limited   0.84%
DBS Bank Ltd/India   0.70%
ICICI Bank Limited   0.70%
DBS Bank Ltd/India   0.70%
ICICI Bank Limited   0.56%
Clearing Corporation of India Limited   0.56%
BNP Paribas - Indian branches   0.56%
ICICI Securities Primary Dealership Limited   0.56%
HSBC Bank   0.56%
HSBC Bank   0.56%
BARCLAYS BANK PLC   0.56%
ICICI Bank Limited   0.56%
BARCLAYS BANK PLC   0.56%
BARCLAYS BANK PLC   0.56%
BNP Paribas - Indian branches   0.56%
ICICI Bank Limited   0.56%
Standard Chartered Bank   0.56%
ICICI Bank Limited   0.56%
BARCLAYS BANK PLC   0.56%
BARCLAYS BANK PLC   0.56%
ICICI Securities Primary Dealership Limited   0.56%
ICICI Bank Limited   0.56%
ICICI Bank Limited   0.56%
BARCLAYS BANK PLC   0.56%
HSBC Bank   0.56%
HSBC Bank   0.56%
BARCLAYS BANK PLC   0.56%
Standard Chartered Bank   0.56%
HSBC Bank   0.56%
Standard Chartered Bank   0.56%
BNP Paribas - Indian branches   0.56%
ICICI Bank Limited   0.56%
HSBC Bank   0.56%
ICICI Securities Primary Dealership Limited   0.56%
BARCLAYS BANK PLC   0.56%
HSBC Bank   0.56%
DBS Bank Ltd/India   0.56%
Standard Chartered Bank   0.56%
HSBC Bank   0.56%
Standard Chartered Bank   0.56%
Standard Chartered Bank   0.56%
HSBC Bank   0.56%
HSBC Bank   0.42%
BNP Paribas - Indian branches   0.42%
Clearing Corporation of India Limited   0.28%
BNP Paribas - Indian branches   0.28%
BNP Paribas - Indian branches   0.28%
BNP Paribas - Indian branches   0.28%
Standard Chartered Bank   0.28%
HSBC Bank   0.28%
BNP Paribas - Indian branches   0.28%
Clearing Corporation of India Limited   0.14%
Clearing Corporation of India Limited   0.14%
Clearing Corporation of India Limited   0.14%
Clearing Corporation of India Limited   0.14%
Clearing Corporation of India Limited   0.06%
Clearing Corporation of India Limited   0.06%
Clearing Corporation of India Limited   0.03%
Clearing Corporation of India Limited   0.03%
Clearing Corporation of India Limited   -0.03%
Clearing Corporation of India Limited   -0.03%
Clearing Corporation of India Limited   -0.06%
Clearing Corporation of India Limited   -0.06%
Clearing Corporation of India Limited   -0.14%
Clearing Corporation of India Limited   -0.14%
Clearing Corporation of India Limited   -0.14%
Clearing Corporation of India Limited   -0.14%
Clearing Corporation of India Limited   -0.28%
BNP Paribas - Indian branches   -0.28%
BNP Paribas - Indian branches   -0.28%
BNP Paribas - Indian branches   -0.28%
Standard Chartered Bank   -0.28%
HSBC Bank   -0.28%
BNP Paribas - Indian branches   -0.28%
HSBC Bank   -0.42%
BNP Paribas - Indian branches   -0.42%
ICICI Bank Limited   -0.56%
BARCLAYS BANK PLC   -0.56%
BNP Paribas - Indian branches   -0.56%
ICICI Bank Limited   -0.56%
Standard Chartered Bank   -0.56%
ICICI Bank Limited   -0.56%
BARCLAYS BANK PLC   -0.56%
BARCLAYS BANK PLC   -0.56%
HSBC Bank   -0.56%
HSBC Bank   -0.56%
BNP Paribas - Indian branches   -0.56%
ICICI Securities Primary Dealership Limited   -0.56%
Clearing Corporation of India Limited   -0.56%
BARCLAYS BANK PLC   -0.56%
BARCLAYS BANK PLC   -0.56%
BARCLAYS BANK PLC   -0.56%
ICICI Bank Limited   -0.56%
Standard Chartered Bank   -0.56%
HSBC Bank   -0.56%
Standard Chartered Bank   -0.56%
ICICI Securities Primary Dealership Limited   -0.56%
ICICI Bank Limited   -0.56%
ICICI Bank Limited   -0.56%
BARCLAYS BANK PLC   -0.56%
HSBC Bank   -0.56%
HSBC Bank   -0.56%
HSBC Bank   -0.56%
ICICI Securities Primary Dealership Limited   -0.56%
DBS Bank Ltd/India   -0.56%
Standard Chartered Bank   -0.56%
ICICI Bank Limited   -0.56%
BNP Paribas - Indian branches   -0.56%
Standard Chartered Bank   -0.56%
HSBC Bank   -0.56%
BARCLAYS BANK PLC   -0.56%
HSBC Bank   -0.56%
Standard Chartered Bank   -0.56%
HSBC Bank   -0.56%
DBS Bank Ltd/India   -0.70%
ICICI Bank Limited   -0.70%
DBS Bank Ltd/India   -0.70%
BNP Paribas - Indian branches   -0.84%
ICICI Bank Limited   -0.84%
BNP Paribas - Indian branches   -0.84%
ICICI Securities Primary Dealership Limited   -0.84%
ICICI Bank Limited   -0.84%
ICICI Bank Limited   -0.84%
ICICI Bank Limited   -1.12%
BNP Paribas - Indian branches   -1.12%
BNP Paribas - Indian branches   -1.12%
DBS Bank Ltd/India   -1.12%
HSBC Bank   -1.12%
BARCLAYS BANK PLC   -1.12%
DBS Bank Ltd/India   -1.12%
DBS Bank Ltd/India   -1.12%
Standard Chartered Bank   -1.12%
DBS Bank Ltd/India   -1.12%
Standard Chartered Bank   -1.12%
DBS Bank Ltd/India   -1.12%
IDFC First Bank Limited   -1.12%
DBS Bank Ltd/India   -1.40%
BARCLAYS BANK PLC   -1.40%
Standard Chartered Bank   -1.40%
BNP Paribas - Indian branches   -1.68%
Net Cash and Cash Equivalent   -2.80%
Grand Total   100.00%
Miscellaneous includes securities with exposure of less than 0.01%
Product Label
Scheme Name
Aditya Birla Sun Life Savings Fund
An open ended ultra-short term debt scheme investing in instruments such that Macaulay duration of the portfolio is between 3 months and 6 months. A moderate interest rate risk and moderate credit risk.
This product is suitable for investors who are seeking*:
  • Reasonable returns with convenience of liquidity over short term
  • Investments in debt and money market instruments
Risk-o-meter
Benchmark Risk-o-meter
Nifty Ultra Short Duration Debt Index A-I
*Investors should consult their financial advisors if in doubt whether the product is suitable for them.