Aditya Birla Sun Life Regular Savings Fund
An open ended hybrid scheme investing predominantly in debt instruments.
June 2026
| Hybrid Scheme |  |
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An open ended hybrid scheme investing predominantly in debt instruments.
June 2026
| Hybrid Scheme | |
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| Investment Objective | |
| The primary objective of the scheme is to generate regular income so as to make monthly payments or distribution to unit holders, with the secondary objective being growth of capital. There can be no assurance that the Scheme objectives will be realised. The Scheme does not guarantee/indicate any returns. There is no assurance that the objective of the Scheme will be achieved. | |
| Fund Category: Conservative Hybrid Fund | |
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| Fund Snapshot | |
| Date of Allotment : May 22, 2004 | |
| Benchmark: CRISIL Hybrid 85 + 15 - Conservative Index | |
| Fund Manager - Mr. Mohit Sharma Managing the Fund Since: November 01, 2024 Experience in Managing the Fund: 1.7 Years |
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| Fund Manager - Mr. Harshil Suvarnkar Managing the Fund Since: March 22, 2021 Experience in Managing the Fund: 5.3 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: ₹ 1000 (plus in multiplies of ₹ 1) |
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| Minimum Additional Investment: ₹ 1000 (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 90 days from the date of allotment: 1.00% of applicable NAV. For redemption / switch-out of units after 90 days from the date of allotment: Nil. |
| Count of Securities: 44 | |
| AUM as on June 30, 2026 (in ₹Crore) | |
| Month End AUM | 1,490.28 |
| Monthly Average AUM | 1,483.11 |
| Base Expense Ratio (BER) | |
| Regular | 1.54% |
| Direct | 0.82% |
| BER excludes brokerage incurred towards execution of trades, transaction cost & statutory levies as applicable to investors. | |
| NAV as on June 30, 2026 | |
| Regular Growth | 69.93 |
| Regular IDCW$ | 16.45 |
| Direct Growth | 78.80 |
| Direct IDCW$ | 27.10 |
| $Income Distribution cum capital withdrawal | |
| Hybrid Exposure (% of net assets) | |
| Net Equity(including REITS) | 21.58% |
| Arbitrage | 0% |
| Debt & Cash | 77.32% |
| Gold/Commodities | 0% |
| Invits/Hybrid Instrument | 1.1% |
| Top 10 Sectoral Contribution (in %) |
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| Market Capitalisation |
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| Volatility Measures | |
| Modified Duration | 3.75 years |
| Average Maturity | 6.54 years |
| Yield to Maturity | 7.85% |
| Macaulay Duration | 3.95 years |
| Portfolio Turnover | 1.36 |
| Standard Deviation | 3.68% |
| Sharpe Ratio | 0.77 |
| Beta | 0.93 |
| Treynor Ratio | 0.03 |
| Note: Standard Deviation, Sharpe Ratio & Beta are calculated on Annualised basis using 3 years history of monthly returns. Risk Free Rate assumed to be 5.50 % (FBIL Overnight MIBOR as on 30 June, 2026) for calculating SharpeRatio | |
| Rating Profile of Portfolio |  |
Sector/Issuer Name |
Rating |
% to Net Assets |
| Debt & Debt Related | ||
| Fixed rates bonds - Corporate | 48.17% | |
| ● Cholamandalam Investment and Finance Company Limited | ICRA AA+ | 3.73% |
| ● Jtpm Metal Traders Pvt Ltd | CRISIL AA | 3.10% |
| ● Adani Power Limited | CRISIL AA | 2.36% |
| ● Nuvama Wealth Finance Ltd | CARE AA | 2.03% |
| ● Bharti Telecom Limited | CRISIL AAA | 2.00% |
| ● Jubilant Bevco Ltd | CRISIL AA | 1.86% |
| ● GMR Airport Ltd | CRISIL A+ | 1.76% |
| REC Limited | CRISIL AAA | 1.73% |
| Bajaj Housing Finance Limited | CRISIL AAA | 1.69% |
| Vedanta Limited | ICRA AA+ | 1.69% |
| Vedanta Limited | ICRA AA+ | 1.69% |
| National Bank For Agriculture and Rural Development | CRISIL AAA | 1.69% |
| Small Industries Development Bank of India | CRISIL AAA | 1.68% |
| Aditya Birla Finance Limited | ICRA AAA | 1.68% |
| Narayana Hrudayalaya Limited | ICRA AA | 1.68% |
| Knowledge Realty Trust | CRISIL AAA | 1.67% |
| Tata Capital Housing Finance Limited | ICRA AAA | 1.67% |
| Housing & Urban Development Corporation Limited | ICRA AAA | 1.66% |
| Indian Railway Finance Corporation Limited | ICRA AAA | 1.66% |
| Muthoot Finance Limited | ICRA AA+ | 1.35% |
| Oxyzo Financial Services Pvt Ltd | ICRA A+ | 1.33% |
| GMR Airport Ltd | CRISIL A+ | 1.07% |
| Bharti Telecom Limited | CARE AAA | 1.03% |
| Indian Railway Finance Corporation Limited | ICRA AAA | 0.69% |
| REC Limited | ICRA AAA | 0.68% |
| National Bank For Agriculture and Rural Development | ICRA AAA | 0.67% |
| Tata Capital Housing Finance Limited | ICRA AAA | 0.67% |
| Tata Capital Housing Finance Limited | ICRA AAA | 0.40% |
| REC Limited | CRISIL AAA | 0.35% |
| Small Industries Development Bank of India | CRISIL AAA | 0.34% |
| Bajaj Housing Finance Limited | CRISIL AAA | 0.34% |
| Tata Capital Housing Finance Limited | ICRA AAA | 0.34% |
| Embassy Office Parks REIT | CRISIL AAA | 0.34% |
| Kotak Mahindra Prime Limited | ICRA AAA | 0.34% |
| LIC Housing Finance Limited | CRISIL AAA | 0.34% |
| Tata Capital Housing Finance Limited | ICRA AAA | 0.34% |
| SMFG India Credit Co. Ltd. | ICRA AAA | 0.34% |
| Indian Railway Finance Corporation Limited | ICRA AAA | 0.07% |
| LIC Housing Finance Limited | CRISIL AAA | 0.07% |
| National Bank For Agriculture and Rural Development | CRISIL AAA | 0.06% |
| Government Bond | 10.05% | |
| ● 6.68% GOI 07Jul2040 | SOV | 3.76% |
| GOI 07.71% 18MAY2066 | SOV | 1.75% |
| 6.90% GOI 15-Apr-2065 | SOV | 1.73% |
| 7.34% INDIA GOVERNMENT BOND 22APR2064 | SOV | 1.03% |
| 7.23% INDIA GOVERNMENT BOND 15APR2039 | SOV | 0.69% |
| 6.94% GOVERNMENT OF INDIA 11MAY36 G-SEC | SOV | 0.68% |
| 7.02% GOVERNMENT OF INDIA 18JUN31 G-SEC | SOV | 0.34% |
| 8.17% GOI (MD 01/12/2044) | SOV | 0.07% |
| State Government bond | 5.99% | |
| 7.67% HARYANA 27DEC2035 SDL | SOV | 1.22% |
| 7.15% KARNATAKA 30OCT2036 SDL | SOV | 0.99% |
| 7.65% TAMIL NADU 25JAN2033 SDL | SOV | 0.85% |
| 7.38 % NAGALAND 25MAR2031 SDL | SOV | 0.68% |
| 7.19% TAMIL NADU 21AUG2034 SDL | SOV | 0.43% |
| 7.06% GUJARAT 14AUG2029 SDL | SOV | 0.34% |
| 6.99% NAGALAND 18MAR2030 SDL | SOV | 0.34% |
| 7.16% UTTAR PRADESH 20FEB2039 SDL | SOV | 0.33% |
| 7.08% MAHARASHTRA 25JUN2039 SDL | SOV | 0.32% |
| 7.15% MADHYA PRADESH 09JUL2043 SDL | SOV | 0.32% |
| 6.70% GUJARAT 23SEP30 SDL | SOV | 0.13% |
| 7.72% MAHARASHTRA 25MAY2034 SDL | SOV | 0.03% |
| Floating rates notes - Corporate | 3.39% | |
| ● Muthoot Finance Limited | ICRA AA+ | 3.39% |
| Money Market Instruments | 2.74% | |
| Union Bank of India | ICRA A1+ | 1.62% |
| National Bank for Financing Infrastructure and Dev | IND A1+ | 0.80% |
| National Bank For Agriculture and Rural Development | ICRA A1+ | 0.32% |
| Cash Management Bills | 2.69% | |
| Government of India | SOV | 0.98% |
| Government of India | SOV | 0.69% |
| Government of India | SOV | 0.66% |
| Government of India | SOV | 0.28% |
| Government of India | SOV | 0.07% |
| SECURITISED DEBT | 1.21% | |
| India Universal Trust Al2 | IND AAA(SO) | 0.68% |
| India Universal Trust Al2 | IND AAA(SO) | 0.46% |
| India Universal Trust Al2 | IND AAA(SO) | 0.06% |
| Alternative Investment Funds (AIF) | 0.34% | |
| Corporate Debt Market Development Fund | 0.34% |
Sector/Issuer Name |
Rating |
% to Net Assets |
| Interest Rate Swaps | 0.03% | |
| BNP Paribas - Indian branches | 1.70% | |
| DBS Bank Ltd/India | 0.34% | |
| DBS Bank Ltd/India | -0.34% | |
| BNP Paribas - Indian branches | -1.68% | |
| Sector/Issuer Name | % of Derivatives | % of Net AUM |
| Equity & Equity Related | ||
| Banks | 5.67% | |
| ● ICICI Bank Ltd. | 1.90% | |
| HDFC Bank Ltd. | 1.61% | |
| Federal Bank Ltd. | 0.78% | |
| Axis Bank Ltd. | 0.70% | |
| State Bank of India | 0.69% | |
| Healthcare Services | 1.63% | |
| Fortis Healthcare Ltd. | 0.73% | |
| Metropolis Healthcare Ltd. | 0.49% | |
| Apollo Hospitals Enterprise Ltd. | 0.41% | |
| Finance | 1.53% | |
| Bajaj Finserv Ltd. | 0.90% | |
| Bajaj Finance Ltd. | 0.37% | |
| SBFC Finance Ltd. | 0.27% | |
| Pharmaceuticals & Biotechnology | 1.27% | |
| Sun Pharmaceutical Industries Ltd. | 0.62% | |
| Biocon Ltd. | 0.49% | |
| Abbott India Ltd. | 0.15% | |
| Non - Ferrous Metals | 1.22% | |
| Hindalco Industries Ltd. | 1.22% | |
| Telecom - Services | 1.12% | |
| Bharti Airtel Ltd. | 1.12% | |
| IT - Software | 0.85% | |
| Tech Mahindra Ltd. | 0.52% | |
| Infosys Ltd. | 0.34% | |
| REITS | 0.84% | |
| Nexus Select Trust | 0.57% | |
| Embassy Office Parks REIT | 0.26% | |
| Consumer Durables | 0.81% | |
| Amber Enterprises India Ltd. | 0.35% | |
| LG Electronics India Ltd. | 0.20% | |
| Whirlpool of India Ltd. | 0.15% | |
| V-Guard Industries Ltd. | 0.10% | |
| Automobiles | 0.80% | |
| Bajaj Auto Ltd. | 0.49% | |
| Mahindra & Mahindra Ltd. | 0.31% | |
| Auto Components | 0.74% | |
| S.J.S. Enterprises Ltd. | 0.74% | |
| Retailing | 0.68% | |
| Avenue Supermarts Ltd. | 0.41% | |
| Eternal Ltd. | 0.27% | |
| Petroleum Products | 0.65% | |
| Reliance Industries Ltd. | 0.65% | |
| Cement & Cement Products | 0.57% | |
| UltraTech Cement Ltd. | 0.57% | |
| Transport Infrastructure | 0.49% | |
| Adani Ports and Special Economic Zone Ltd. | 0.49% | |
| Insurance | 0.48% | |
| Max Financial Services Ltd. | 0.24% | |
| SBI Life Insurance Company Ltd. | 0.24% | |
| Industrial Products | 0.46% | |
| Cummins India Ltd. | 0.46% | |
| Construction | 0.43% | |
| Larsen & Toubro Ltd. | 0.43% | |
| Electrical Equipment | 0.42% | |
| TD Power Systems Ltd. | 0.42% | |
| Personal Products | 0.28% | |
| Godrej Consumer Products Ltd. | 0.28% | |
| Power | 0.18% | |
| NTPC Ltd. | 0.18% | |
| Chemicals & Petrochemicals | 0.18% | |
| Vinati Organics Ltd. | 0.18% | |
| Food Products | 0.12% | |
| Mrs. Bectors Food Specialities Ltd. | 0.12% | |
| Diversified FMCG | 0.09% | |
| ITC Ltd. | 0.09% | |
| Capital Markets | 0.08% | |
| Billionbrains Garage Ventures Ltd. | 0.08% | |
| Sector/Issuer Name | % to Net Assets | |
| INVITs | ||
| INVITS | 1.10% | |
| India Grid Trust | 0.76% | |
| Raajmarg Infra Investment Trust | 0.33% | |
| IRB InvIT Fund | 0.01% | |
| Mutual Funds Units | ||
| INVESTMENT FUNDS/MUTUAL FUNDS | 0.24% | |
| Aditya Birla Sun Life Crisil-IBX AAA Financial Services Index-Sep 2027 Fund-Direct Growth | 0.14% | |
| Aditya Birla Sun Life Crisil IBX Gilt Apr 2033 Index Fund-Direct Growth | 0.10% | |
| Net Cash and Cash Equivalent | 2.47% | |
| Grand Total | 100.00% |
| Product Label | |
| Scheme Name | |
| Aditya Birla Sun Life Regular Savings Fund An open ended hybrid scheme investing predominantly in debt instruments. |
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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 Hybrid 85 + 15 - Conservative Index  |
| *Investors should consult their financial advisors if in doubt whether the product is suitable for them. | |