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.
Data as on 28th March 2025
Fund Details
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 Manager
Mr. Kaustubh Gupta, Ms. Sunaina Da Cunha & Ms. Monika Gandhi
Managing Fund Since
July 15, 2011, June 20, 2014, March 22, 2021
Experience in Managing the Fund
13.7 years, 10.8 years, 4.0 years
Load Structure (as % of NAV) (Incl. for SIP)
Entry Load Nil
Exit Load Nil
Total Expense Ratio (TER)
Regular 0.55%
Direct 0.34%
Including additional expenses and goods and service tax on management fees.

AUM ₹
Monthly Average AUM 14211.89 Crores
AUM as on last day 13293.68 Crores
Date of Allotment
April 15, 2003
Benchmark
NIFTY Ultra Short Duration Debt Index A-I
Other Parameters
Modified Duration 0.57 years
Average Maturity 0.66 years
Yield to Maturity 7.75%
Macaulay Duration 0.62 years

Application Amount for fresh subscription
₹ 1,000 (plus in multiplies of ₹ 1)
Min. Addl. Investment
₹ 1,000 (plus in multiplies of ₹ 1)
SIP
Monthly: Minimum ₹ 1,000/-
NAV of Plans / Options ₹^
Regular Plan Retail Plan@ Direct Plan
Growth 537.0180 519.6647 546.3209
Daily IDCW$: 100.3181 100.3182 100.3181
Weekly IDCW$: 100.6080 100.6898 100.6422
$Income Distribution cum capital withdrawal Note:@:Retail Plan has been discontinued and does not accept fresh subscriptions/Switch in.
PORTFOLIO
Issuer
% to Net Assets
Rating
Fixed rates bonds - Corporate 50.73%
Shriram Finance Ltd  4.54% CRISIL AA+
Nirma Limited  3.65% CRISIL AA
Mankind Pharma Ltd  2.31% CRISIL AA+
Avanse Financial Services Ltd  2.25% CRISIL AA-
Bajaj Housing Finance Limited  1.89% CRISIL AAA
Sk Finance Ltd  1.86% IND AA-
Godrej Industries Limited  1.82% ICRA AA+
Hinduja Leyland Finance Limited  1.76% CRISIL AA+
Small Industries Development Bank of India  1.51% ICRA AAA
JSW Steel Limited  1.50% ICRA AA
Tata Housing Development Company Limited  1.43% CARE AA
Bharti Telecom Limited  1.24% CRISIL AA+
Small Industries Development Bank of India 1.24% ICRA AAA
Shriram Finance Ltd  1.13% CRISIL AA+
GIC Housing Finance Limited  1.13% ICRA AA+
360 ONE Prime Ltd  1.13% ICRA AA
Godrej Industries Limited  0.98% ICRA AA+
Hinduja Housing Finance Ltd  0.94% CARE AA+
Can Fin Homes Limited  0.94% ICRA AAA
Mankind Pharma Ltd  0.94% CRISIL AA+
JM Financial Products  Limited  0.94% ICRA AA
Bharti Telecom Limited 0.91% CARE AAA
Muthoot Finance Limited 0.90% ICRA AA+
Godrej Properties Limited  0.83% ICRA AA+
SMFG India Home Finance Company Limited  0.76% CRISIL AAA
Sundaram Home Finance Limited  0.76% ICRA AAA
GIC Housing Finance Limited  0.76% ICRA AA+
TATA Realty & Infrastructure Limited  0.75% ICRA AA+
Arka Fincap Limited  0.75% CRISIL AA
Bharti Telecom Limited  0.57% CRISIL AA+
Bharti Telecom Limited  0.57% CRISIL AA+
REC Limited  0.52% ICRA AAA
Nuvama Wealth Finance Ltd  0.49% CARE AA-
REC Limited 0.38% ICRA AAA
Godrej Properties Limited  0.38% ICRA AA+
Bharti Telecom Limited  0.38% CRISIL AA+
Reliance Life Sciences Pvt Ltd  0.38% CARE AAA
Vedanta Limited  0.38% ICRA AA
LIC Housing Finance Limited  0.38% CRISIL AAA
Small Industries Development Bank of India  0.38% CRISIL AAA
Aditya Birla Housing Finance Limited  0.38% ICRA AAA
JM Financial Credit Solutions Ltd  0.38% ICRA AA
Can Fin Homes Limited  0.38% ICRA AAA
Can Fin Homes Limited  0.38% CARE AAA
Torrent Power Limited  0.37% CRISIL AA+
REC Limited 0.37% ICRA AAA
Small Industries Development Bank of India  0.19% CRISIL AAA
Torrent Power Limited  0.19% CRISIL AA+
Small Industries Development Bank of India  0.19% CRISIL AAA
Shriram Finance Ltd  0.19% CRISIL AA+
Reliance Life Sciences Pvt Ltd  0.19% CARE AAA
Sikka Ports and Terminals Limited  0.19% CRISIL AAA
Aditya Birla Finance Limited  0.18% ICRA AAA
LIC Housing Finance Limited  0.13% CRISIL AAA
Godrej Industries Limited  0.11% ICRA AA+
Pipeline Infrastructure Limited  0.11% CRISIL AAA
REC Limited  0.11% ICRA AAA
Torrent Power Limited  0.08% CRISIL AA+
Torrent Power Limited  0.08% CRISIL AA+
National Bank For Agriculture and Rural Development  0.08% ICRA AAA
Muthoot Finance Limited  0.04% ICRA AA+
Small Industries Development Bank of India  0.04% ICRA AAA
National Bank For Agriculture and Rural Development  0.03% CRISIL AAA
Money Market Instruments 32.17%
Small Industries Development Bank of India 3.17% CRISIL A1+
ONGC Petro Additions Limited 2.96% CRISIL A1+
Canara Bank 2.51% CRISIL A1+
Axis Bank Limited 2.12% CRISIL A1+
Canara Bank 1.79% CRISIL A1+
IndusInd Bank Limited 1.77% CRISIL A1+
National Bank For Agriculture and Rural Development 1.58% ICRA A1+
Punjab National Bank 1.43% CRISIL A1+
Bank of India 1.43% CRISIL A1+
Tata Projects Limited 1.43% CRISIL A1+
Axis Bank Limited 1.42% CRISIL A1+
Export Import Bank of India 1.42% ICRA A1+
Union Bank of India 1.07% ICRA A1+
Deutsche Investments India Private Limited 1.07% ICRA A1+
Tata Teleservices Maharashtra Limited 0.75% CRISIL A1+
Issuer
% to Net Assets
Rating
IndusInd Bank Limited 0.72% CRISIL A1+
Canara Bank 0.72% CRISIL A1+
Export Import Bank of India 0.71% ICRA A1+
IndusInd Bank Limited 0.70% CRISIL A1+
Axis Bank Limited 0.66% ICRA A1+
Export Import Bank of India 0.53% ICRA A1+
Axis Bank Limited 0.37% ICRA A1+
Indian Bank 0.37% CRISIL A1+
Axis Bank Limited 0.36% ICRA A1+
ICICI Bank Limited 0.36% ICRA A1+
Standard Chartered Securities India Ltd 0.18% ICRA A1+
Standard Chartered Securities India Ltd 0.18% ICRA A1+
Axis Bank Limited 0.18% ICRA A1+
Barclays Invest & Loans India Limited 0.11% ICRA A1+
Union Bank of India 0.04% ICRA A1+
Deutsche Investments India Private Limited 0.04% ICRA A1+
TREASURY BILLS 8.69%
Government of India 3.55% SOV
Government of India 2.57% SOV
Government of India 1.44% SOV
Government of India 1.13% SOV
INVESTMENT FUNDS/MUTUAL FUNDS 2.45%
Aditya Birla Sun Life Liquid Fund - Growth - Direct Plan 2.45%
Floating rates notes - Corporate 2.04%
ICICI Home Finance Company Limited  2.04% ICRA AAA
State Government bond 1.69%
7.89% GUJARAT 15MAY2025 SDL 0.83% SOV
5.95% TAMIL NADU 13MAY25 SDL 0.75% SOV
MAHARASHTRA 08.16% 23SEP25 SDL 0.04% SOV
TAMIL NADU 08.24% 09SEP25 SDL 0.04% SOV
MAHARASHTRA 08.23% 09SEP25 SDL 0.04% SOV
Government Bond 1.08%
5.22% GOVERNMENT OF INDIA 15JUN25 G-SEC 1.08% SOV
Alternative Investment Funds (AIF) 0.34%
Corporate Debt Market Development Fund  0.34%
Cash Management Bills 0.19%
Government of India 0.19% SOV
Interest Rate Swaps -0.06%
Clearing Corporation of India Limited 0.00%
Clearing Corporation of India Limited 0.00%
Clearing Corporation of India Limited 0.00%
Clearing Corporation of India Limited 0.00%
Clearing Corporation of India Limited 0.00%
Clearing Corporation of India Limited 0.00%
Clearing Corporation of India Limited -0.00%
Clearing Corporation of India Limited -0.00%
Clearing Corporation of India Limited -0.00%
Clearing Corporation of India Limited -0.00%
Clearing Corporation of India Limited -0.00%
Clearing Corporation of India Limited -0.00%
Clearing Corporation of India Limited -0.00%
BNP Paribas - Indian branches -0.00%
Clearing Corporation of India Limited -0.00%
BNP Paribas - Indian branches -0.00%
HSBC Bank -0.00%
ICICI Securities Primary Dealership Limited -0.00%
BNP Paribas - Indian branches -0.00%
BNP Paribas - Indian branches -0.00%
Standard Chartered Bank -0.00%
HSBC Bank -0.00%
BNP Paribas - Indian branches -0.00%
BNP Paribas - Indian branches -0.00%
Standard Chartered Bank -0.00%
ICICI Bank Limited -0.00%
HSBC Bank -0.00%
BNP Paribas - Indian branches -0.00%
ICICI Bank Limited -0.00%
BNP Paribas - Indian branches -0.00%
Standard Chartered Bank -0.00%
BNP Paribas - Indian branches -0.00%
BNP Paribas - Indian branches -0.00%
DBS Bank Ltd/India -0.00%
Standard Chartered Bank -0.00%
HSBC Bank -0.00%
Standard Chartered Bank -0.00%
HSBC Bank -0.00%
Standard Chartered Bank -0.00%
HSBC Bank -0.00%
Standard Chartered Bank -0.01%
Cash & Current Assets 0.68%
Total Net Assets 100.00%

Past performance may or may not be sustained in future. The above performance is of Regular Plan - Growth Option. Kindly note that different plans have different expense structure. Load and Taxes are not considered for computation of returns. When scheme/additional benchmark returns are not available, they have not been shown. Total Schemes Co-Managed by Fund Managers is 1. Total Schemes managed by Mr. Kaustubh Gupta is 11. Total Schemes managed by Ms. Sunaina Da Cunha is 5. Total Schemes managed by Ms. Monika Gandhi is 1. Click here to know more on performance of schemes managed by Fund Managers.
Note: The exit load (if any) rate levied at the time of redemption/switch-out of units will be the rate prevailing at the time of allotment of the corresponding units. Customers may request for a separate Exit Load Applicability Report by calling our toll free numbers 1800-270-7000 or from any of our Investor Service Centers.

This page is a part of the April 2025 Factsheet of Aditya Birla Sun Life Mutual Fund. Click on https://mutualfund.adityabirlacapital.com/empower/ for the digital factsheet.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.