Aditya Birla Sun Life Regular Savings Fund
An open ended hybrid scheme investing predominantly in debt instruments.
July 2026
| Hybrid Scheme |  |
 |
 |
 |
An open ended hybrid scheme investing predominantly in debt instruments.
July 2026
| Hybrid Scheme | |
|
|
|
| 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 | |
 |
|
| 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 |
|
| Fund Manager - Mr. Harshil Suvarnkar Managing the Fund Since: March 22, 2021 Experience in Managing the Fund: 5.4 Years |
|
| SIP: Daily/Weekly/Monthly: Minimum ₹ 100/- and in multiples of ₹ 1/- thereafter |
|
| Application Amount for fresh subscription: ₹ 1000 (plus in multiplies of ₹ 1) |
|
| Minimum Additional Investment: ₹ 1000 (plus in multiplies of ₹ 1) |
|
| 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: 45 | |
| AUM as on July 31, 2026 (in ₹Crore) | |
| Month End AUM | 1,500.92 |
| Monthly Average AUM | 1,498.71 |
| 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 July 31, 2026 | |
| Regular Growth | 70.45 |
| Regular IDCW$ | 16.57 |
| Direct Growth | 79.44 |
| Direct IDCW$ | 27.31 |
| $Income Distribution cum capital withdrawal | |
| Hybrid Exposure (% of net assets) | |
| Net Equity(including REITS) | 22.03% |
| Arbitrage | 0% |
| Debt & Cash | 76.77% |
| Gold/Commodities | 0% |
| Invits/Hybrid Instrument | 1.2% |
| Top 10 Sectoral Contribution (in %) |
 |
| Market Capitalisation |
 |
| Volatility Measures | |
| Modified Duration | 3.41 years |
| Average Maturity | 5.8 years |
| Yield to Maturity | 7.97% |
| Macaulay Duration | 3.6 years |
| Portfolio Turnover | 1.46 |
| Standard Deviation | 3.67% |
| Sharpe Ratio | 0.76 |
| 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 5.41 % (FBIL Overnight MIBOR as on 31 July, 2026) for calculating SharpeRatio | |
| Rating Profile of Portfolio |  |
Sector/Issuer Name |
% of |
% of Derivatives |
% of |
| Debt & Debt Related | |||
| Fixed rates bonds - Corporate | 49.35% | ||
| ● Cholamandalam Investment & Finance Co. Ltd. | ICRA AA+ | 3.66% | |
| ● JTPM Metal Traders Ltd. | CRISIL AA | 3.09% | |
| ● Adani Power Ltd. | CRISIL AA | 2.32% | |
| ● Nuvama Wealth Finance Ltd. | CARE AA | 2.01% | |
| ● Bharti Telecom Ltd. | CRISIL AAA | 1.98% | |
| ● Jubilant Bevco Ltd. | CRISIL AA | 1.85% | |
| ● GMR Airports Ltd. | CRISIL A+ | 1.75% | |
| REC Ltd. | CRISIL AAA | 1.71% | |
| Vedanta Ltd. | CRISIL AA+ | 1.68% | |
| Aditya Birla Capital Ltd. | ICRA AAA | 1.68% | |
| Bajaj Housing Finance Ltd. | CRISIL AAA | 1.67% | |
| Vedanta Ltd. | ICRA AA+ | 1.67% | |
| Small Industries Development Bank of India | CRISIL AAA | 1.67% | |
| National Bank for Agriculture and Rural Development | CRISIL AAA | 1.67% | |
| Narayana Hrudayalaya Ltd. | ICRA AA | 1.67% | |
| Knowledge Realty Trust | CRISIL AAA | 1.66% | |
| Tata Capital Housing Finance Ltd. | ICRA AAA | 1.66% | |
| Indian Railway Finance Corporation Ltd. | ICRA AAA | 1.64% | |
| Bajaj Housing Finance Ltd. | CRISIL AAA | 1.33% | |
| Muthoot Finance Ltd. | ICRA AA+ | 1.33% | |
| Oxyzo Financial Services Pvt. Ltd. | ICRA A+ | 1.32% | |
| Housing and Urban Development Corporation Ltd. | ICRA AAA | 1.32% | |
| GMR Airports Ltd. | CRISIL A+ | 1.06% | |
| Bharti Telecom Ltd. | CARE AAA | 1.02% | |
| Indian Railway Finance Corporation Ltd. | ICRA AAA | 0.68% | |
| REC Ltd. | ICRA AAA | 0.67% | |
| National Bank for Agriculture and Rural Development | ICRA AAA | 0.66% | |
| Tata Capital Housing Finance Ltd. | ICRA AAA | 0.66% | |
| Tata Capital Housing Finance Ltd. | ICRA AAA | 0.40% | |
| REC Ltd. | CRISIL AAA | 0.35% | |
| Small Industries Development Bank of India | CRISIL AAA | 0.34% | |
| Bajaj Housing Finance Ltd. | CRISIL AAA | 0.34% | |
| Embassy Office Parks Reit | CRISIL AAA | 0.33% | |
| Tata Capital Housing Finance Ltd. | ICRA AAA | 0.33% | |
| Kotak Mahindra Prime Ltd. | ICRA AAA | 0.33% | |
| LIC Housing Finance Ltd. | CRISIL AAA | 0.33% | |
| SMFG India Credit Company Ltd. | ICRA AAA | 0.33% | |
| Tata Capital Housing Finance Ltd. | ICRA AAA | 0.33% | |
| Bajaj Housing Finance Ltd. | CRISIL AAA | 0.33% | |
| Bajaj Finance Ltd. | CRISIL AAA | 0.33% | |
| Indian Railway Finance Corporation Ltd. | ICRA AAA | 0.07% | |
| LIC Housing Finance Ltd. | CRISIL AAA | 0.07% | |
| National Bank for Agriculture and Rural Development | CRISIL AAA | 0.06% | |
| Government Bond | 7.53% | ||
| ● Government of India 6.94% 11.05.2036 GOV | SOV | 2.69% | |
| Government of India 6.9% 15.04.2065 GOV | SOV | 1.39% | |
| Government of India 7.71% 18.05.2066 GOV | SOV | 1.36% | |
| Government Of India 7.34% 22.04.2064 GOV | SOV | 1.00% | |
| Government Of India 7.23% 15.04.2039 GOV | SOV | 0.68% | |
| Government Of India 7.02% 18.06.2031 GOV | SOV | 0.34% | |
| Government of India 8.17% 01.12.2044 GOV | SOV | 0.07% | |
| State Government bond | 6.29% | ||
| State Government of Haryana 7.67% 27.12.2035 SDL | SOV | 1.22% | |
| State Government Of Karnataka 7.15% 30.10.2036 SDL | SOV | 0.98% | |
| State Government of Tamilnadu 7.65% 25.01.2033 SDL | SOV | 0.85% | |
| State Government of Nagaland 7.38% 25.03.2031 SDL | SOV | 0.67% | |
| State Government of Tamilnadu 7.19% 21.08.2034 SDL | SOV | 0.42% | |
| State Government of Telangana 7.97% 08.04.2043 SDL | SOV | 0.34% | |
| State Government of Gujarat 8.35% 14.08.2029 SDL | SOV | 0.33% | |
| State Government of Nagaland 6.99% 18.03.2030 SDL | SOV | 0.33% | |
| State Government of Uttar Pradesh 7.16% 20.02.2039 SDL | SOV | 0.32% | |
| State Government of Maharashtra 7.08% 25.06.2039 SDL | SOV | 0.32% | |
| State Government of Madhya Pradesh 7.15% 09.07.2043 SDL | SOV | 0.32% | |
| State Government of Gujarat 6.7% 23.09.2030 SDL | SOV | 0.13% | |
| State Government of Maharashtra 7.72% 25.05.2034 SDL | SOV | 0.03% | |
| Floating rates notes - Corporate | 3.33% | ||
| ● Muthoot Finance Ltd. | ICRA AA+ | 3.33% | |
| Money Market Instruments | 2.74% | ||
| Union Bank of India | ICRA A1+ | 1.61% | |
| National Bank for Financing Infrastructure and Development | IND A1+ | 0.80% | |
| National Bank for Agriculture and Rural Development | ICRA A1+ | 0.32% | |
| Cash Management Bills | 2.68% | ||
| 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 | 1.14% | ||
| India Universal Trust AL2 | IND AAA(SO) | 0.68% | |
| India Universal Trust AL2 | IND AAA(SO) | 0.45% | |
| India Universal Trust AL2 | IND AAA(SO) | 0.02% | |
| Alternative Investment Funds (AIF) | 0.33% | ||
| Corporate Debt Market Development Fund | 0.33% | ||
| Interest Rate Swaps | 0.02% | ||
| BNP Paribas | 1.68% | ||
| DBS Bank Ltd. | 0.34% | ||
Sector/Issuer Name |
% of |
% of Derivatives |
% of |
| DBS Bank Ltd. | -0.33% | ||
| BNP Paribas | -1.67% | ||
| Sector/Issuer Name | % of Total AUM | % of Derivatives | % of Net AUM |
| Equity & Equity Related | |||
| Banks | 5.62% | ||
| ● ICICI Bank Ltd. | 1.97% | ||
| HDFC Bank Ltd. | 1.50% | ||
| Federal Bank Ltd. | 0.84% | ||
| State Bank of India | 0.68% | ||
| Axis Bank Ltd. | 0.63% | ||
| Finance | 1.70% | ||
| Bajaj Finserv Ltd. | 1.01% | ||
| Bajaj Finance Ltd. | 0.42% | ||
| SBFC Finance Ltd. | 0.26% | ||
| Healthcare Services | 1.66% | ||
| Fortis Healthcare Ltd. | 0.71% | ||
| Metropolis Healthcare Ltd. | 0.53% | ||
| Apollo Hospitals Enterprise Ltd. | 0.42% | ||
| Pharmaceuticals & Biotechnology | 1.33% | ||
| Sun Pharmaceutical Industries Ltd. | 0.66% | ||
| Biocon Ltd. | 0.50% | ||
| Abbott India Ltd. | 0.17% | ||
| Non - Ferrous Metals | 1.23% | ||
| Hindalco Industries Ltd. | 1.23% | ||
| Telecom - Services | 1.18% | ||
| Bharti Airtel Ltd. | 1.18% | ||
| IT - Software | 0.98% | ||
| Tech Mahindra Ltd. | 0.61% | ||
| Infosys Ltd. | 0.38% | ||
| REITS | 0.85% | ||
| Nexus Select Trust | 0.58% | ||
| Embassy Office Parks Reit | 0.26% | ||
| Automobiles | 0.83% | ||
| Bajaj Auto Ltd. | 0.49% | ||
| Mahindra & Mahindra Ltd. | 0.34% | ||
| Auto Components | 0.80% | ||
| S.J.S. Enterprises Ltd. | 0.80% | ||
| Consumer Durables | 0.80% | ||
| Amber Enterprises India Ltd. | 0.35% | ||
| LG Electronics India Ltd. | 0.19% | ||
| Whirlpool of India Ltd. | 0.15% | ||
| V-Guard Industries Ltd. | 0.10% | ||
| Retailing | 0.67% | ||
| Avenue Supermarts Ltd. | 0.37% | ||
| Eternal Ltd. | 0.30% | ||
| Petroleum Products | 0.65% | ||
| Reliance Industries Ltd. | 0.65% | ||
| Cement & Cement Products | 0.59% | ||
| UltraTech Cement Ltd. | 0.59% | ||
| Insurance | 0.48% | ||
| SBI Life Insurance Company Ltd. | 0.25% | ||
| Max Financial Services Ltd. | 0.22% | ||
| Transport Infrastructure | 0.45% | ||
| Adani Ports and Special Economic Zone Ltd. | 0.45% | ||
| Industrial Products | 0.45% | ||
| Cummins India Ltd. | 0.45% | ||
| Construction | 0.40% | ||
| Larsen & Toubro Ltd. | 0.40% | ||
| Electrical Equipment | 0.38% | ||
| TD Power Systems Ltd. | 0.38% | ||
| Personal Products | 0.30% | ||
| Godrej Consumer Products Ltd. | 0.30% | ||
| Chemicals & Petrochemicals | 0.17% | ||
| Vinati Organics Ltd. | 0.17% | ||
| Power | 0.17% | ||
| NTPC Ltd. | 0.17% | ||
| Food Products | 0.14% | ||
| Mrs. Bectors Food Specialities Ltd. | 0.14% | ||
| Capital Markets | 0.11% | ||
| Billionbrains Garage Ventures Ltd. | 0.07% | ||
| SBI Funds Management Ltd. | 0.04% | ||
| Diversified FMCG | 0.09% | ||
| ITC Ltd. | 0.09% | ||
| Sector/Issuer Name | % to Net Assets | ||
| INVITs | |||
| INVITS | 1.20% | ||
| IndiGrid Infrastructure Trust | 0.76% | ||
| Raajmarg Infra Investment Trust | 0.33% | ||
| Cube Highways Trust | 0.10% | ||
| 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 | 3.12% | ||
| 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. |
|
| This product is suitable for investors who are seeking*: | |
|
|
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. | |