An open ended short term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 1-3 years. A relatively high interest rate risk and moderate credit risk.
July 2026
| Debt Scheme |  |
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| Investment Objective | |
| The investment objective of the Scheme is to generate income and capital appreciation by investing 100% of the corpus Investment Objective in a diversified portfolio of debt and money market securities. The Scheme does not guarantee/indicate any returns. There is no assurance that the objective of the Scheme will be achieved. | |
| Fund Category: Short Duration Fund | |
| Scheme Rating: [ICRA]AAAmfs | |
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| Fund Snapshot | |
| Date of Allotment : May 09, 2003 | |
| Benchmark: Nifty Short Duration Debt Index A-II | |
| Fund Manager - Mr. Kaustubh Gupta Managing the Fund Since: September 11, 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: | NIL |
| AUM as on July 31, 2026 (in ₹Crore) | |
| Month End AUM | 5,831.16 |
| Monthly Average AUM | 5,802.40 |
| Base Expense Ratio (BER) | |
| Regular | 0.81% |
| Direct | 0.30% |
| BER excludes brokerage incurred towards execution of trades, transaction cost & statutory levies as applicable to investors. | |
| NAV as on July 31, 2026 | |
| Regular Growth | 50.57 |
| Regular IDCW$ | 15.11 |
| Regular IDCW$ | 10.44 |
| Direct Growth | 55.09 |
| Direct IDCW$ | 11.08 |
| Direct IDCW$ | 10.96 |
$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 | 80.37% |
| Sovereign | 12.84% |
| Others | 6.79% |
| Debt Quants | |
| Modified Duration | 2.53 years |
| Average Maturity | 3.29 years |
| Yield to Maturity | 7.77% |
| Macaulay Duration | 2.69 years |
| Standard Deviation | 1.41% |
| Sector/Issuer Name | Rating |
to Net Assets |
| Debt & Debt Related | ||
| Fixed rates bonds - Corporate | 78.36% | |
| ● Bharti Telecom Ltd. | CRISIL AAA | 7.32% |
| ● Tata Capital Housing Finance Ltd. | ICRA AAA | 5.81% |
| ● National Bank for Agriculture and Rural Development | CRISIL AAA | 5.15% |
| ● Indian Railway Finance Corporation Ltd. | ICRA AAA | 5.05% |
| ● Jubilant Bevco Ltd. | CRISIL AA | 3.62% |
| ● JTPM Metal Traders Ltd. | CRISIL AA | 3.28% |
| ● Embassy Office Parks Reit | CRISIL AAA | 3.10% |
| ● Vedanta Ltd. | CRISIL AA+ | 3.07% |
| Hinduja Leyland Finance Ltd. | CRISIL AA+ | 2.48% |
| Small Industries Development Bank of India | CRISIL AAA | 2.32% |
| Indian Railway Finance Corporation Ltd. | ICRA AAA | 2.20% |
| Power Finance Corporation Ltd. | ICRA AAA | 2.10% |
| National Bank for Agriculture and Rural Development | ICRA AAA | 2.06% |
| Knowledge Realty Trust | CRISIL AAA | 2.05% |
| Cholamandalam Investment & Finance Co. Ltd. | ICRA AA+ | 1.99% |
| National Housing Bank | CARE AAA | 1.89% |
| Nexus Select Trust | ICRA AAA | 1.72% |
| REC Ltd. | ICRA AAA | 1.71% |
| Rajgarh Transmission Ltd. | IND AAA | 1.67% |
| Small Industries Development Bank of India | CRISIL AAA | 1.54% |
| Bajaj Finance Ltd. | CRISIL AAA | 1.35% |
| National Bank for Agriculture and Rural Development | ICRA AAA | 1.27% |
| National Bank for Financing Infrastructure and Development | ICRA AAA | 1.21% |
| Tata Capital Housing Finance Ltd. | ICRA AAA | 1.12% |
| Bharti Telecom Ltd. | CARE AAA | 1.05% |
| Muthoot Finance Ltd. | ICRA AA+ | 1.04% |
| REC Ltd. | ICRA AAA | 0.86% |
| Tata Capital Housing Finance Ltd. | ICRA AAA | 0.86% |
| JSW Energy Ltd. | ICRA AA | 0.86% |
| Small Industries Development Bank of India | CRISIL AAA | 0.86% |
| Small Industries Development Bank of India | CRISIL AAA | 0.84% |
| Power Finance Corporation Ltd. | ICRA AAA | 0.84% |
| SMFG India Home Finance Co. Ltd. | CARE AAA | 0.60% |
| Narayana Hrudayalaya Ltd. | ICRA AA | 0.60% |
| National Housing Bank | CARE AAA | 0.43% |
| Small Industries Development Bank of India | CRISIL AAA | 0.43% |
| Hinduja Housing Finance Ltd. | CARE AA+ | 0.43% |
| Tata Capital Housing Finance Ltd. | ICRA AAA | 0.43% |
| Small Industries Development Bank of India | CRISIL AAA | 0.43% |
| Indian Railway Finance Corporation Ltd. | ICRA AAA | 0.41% |
| REC Ltd. | ICRA AAA | 0.34% |
| Export-Import Bank of India | ICRA AAA | 0.27% |
| Jubilant Beverages Ltd. | CRISIL AA | 0.27% |
| Aditya Birla Housing Finance Ltd. | ICRA AAA | 0.26% |
| Bharti Telecom Ltd. | CRISIL AAA | 0.25% |
| Housing and Urban Development Corporation Ltd. | ICRA AAA | 0.25% |
| REC Ltd. | ICRA AAA | 0.25% |
| Bharti Telecom Ltd. | CRISIL AAA | 0.17% |
| Indian Railway Finance Corporation Ltd. | ICRA AAA | 0.09% |
| Bajaj Finance Ltd. | CRISIL AAA | 0.09% |
| ICICI Home Finance Co. Ltd. | CRISIL AAA | 0.09% |
| SECURITISED DEBT | 6.21% | |
| ● Siddhivinayak Securitisation Trust | CRISIL AAA(SO) | 3.88% |
| India Universal Trust AL2 | IND AAA(SO) | 1.39% |
| Shivshakti Securitisation Trust | CRISIL AAA(SO) | 0.94% |
| State Government bond | 6.04% | |
| ● State Government of Bihar 7.54% 03.09.2033 SDL | SOV | 2.79% |
| State Government of Karnataka 7.62% 25.09.2036 SDL | SOV | 0.96% |
| Sector/Issuer Name | Rating |
% to Net Assets |
| State Government of Madhya Pradesh 7.64% 08.02.2033 SDL | SOV | 0.87% |
| State Government of Assam 7.63% 03.09.2035 SDL | SOV | 0.69% |
| State Government of Gujarat 7.73% 08.04.2029 SDL | SOV | 0.53% |
| State Government of Gujarat 7.64% 08.11.2027 SDL | SOV | 0.09% |
| State Government of Haryana 7.64% 29.03.2027 SDL | SOV | 0.05% |
| State Government of Gujarat 8.25% 25.04.2028 SDL | SOV | 0.04% |
| State Government of Uttar Pradesh 7.51% 27.03.2038 SDL | SOV | 0.01% |
| State Government of Chhattisgarh 7.88% 15.03.2027 SDL | SOV | 0.01% |
| Government Bond | 5.27% | |
| Government Of India 7.17% 17.04.2030 GOV | SOV | 2.55% |
| Government of India 7.41% 19.12.2036 GOV | SOV | 1.07% |
| Government of India 6.68% 07.07.2040 GOV | SOV | 0.83% |
| Government of India 7.54% 23.05.2036 GOV | SOV | 0.72% |
| Government Of India 7.17% 08.01.2028 GOV | SOV | 0.05% |
| Government Of India 7.06% 10.04.2028 GOV | SOV | 0.04% |
| Floating rates notes - Corporate | 2.58% | |
| Muthoot Finance Ltd. | ICRA AA+ | 1.72% |
| Small Industries Development Bank of India | CARE AAA | 0.86% |
| Cash Management Bills | 1.62% | |
| Government of India | SOV | 0.18% |
| Government of India | SOV | 0.18% |
| Government of India | SOV | 0.17% |
| Government of India | SOV | 0.17% |
| Government of India | SOV | 0.17% |
| Government of India | SOV | 0.16% |
| Government of India | SOV | 0.16% |
| Government of India | SOV | 0.16% |
| Government of India | SOV | 0.10% |
| Government of India | SOV | 0.10% |
| Government of India | SOV | 0.07% |
| Alternative Investment Funds (AIF) | 0.52% | |
| Corporate Debt Market Development Fund | 0.52% | |
| Interest Rate Swaps | 0.11% | |
| Barclays Bank PLC | 2.58% | |
| Barclays Bank PLC | 1.72% | |
| Standard Chartered Bank | 0.88% | |
| Standard Chartered Bank | 0.88% | |
| Barclays Bank PLC | 0.87% | |
| Barclays Bank PLC | 0.87% | |
| Standard Chartered Bank | 0.87% | |
| DBS Bank Ltd. | 0.86% | |
| BNP Paribas | 0.86% | |
| BNP Paribas | 0.86% | |
| IDFC First Bank Ltd. | 0.43% | |
| IDFC First Bank Ltd. | -0.43% | |
| Barclays Bank PLC | -0.86% | |
| Barclays Bank PLC | -0.86% | |
| Standard Chartered Bank | -0.86% | |
| Standard Chartered Bank | -0.86% | |
| Standard Chartered Bank | -0.86% | |
| BNP Paribas | -0.86% | |
| BNP Paribas | -0.86% | |
| DBS Bank Ltd. | -0.86% | |
| Barclays Bank PLC | -1.71% | |
| Barclays Bank PLC | -2.57% | |
| Net Cash and Cash Equivalent | -0.70% | |
| Grand Total | 100.00% |
| Product Label | |
| Scheme Name | |
| Aditya Birla Sun Life Short Term Fund An open ended short term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 1-3 years. A relatively high interest rate risk and moderate credit risk. |
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| This product is suitable for investors who are seeking*: | |
|
|
Risk-o-meter  |
Benchmark Risk-o-meter Nifty Short Duration Debt Index A-II  |
| *Investors should consult their financial advisors if in doubt whether the product is suitable for them. | |