Aditya Birla Sun Life Regular Savings Fund
An open ended hybrid scheme investing predominantly in debt instruments.
February 2026
| Hybrid Scheme |  |
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An open ended hybrid scheme investing predominantly in debt instruments.
February 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: 1.3 Years |
|
| Fund Manager - Mr. Harshil Suvarnkar Managing the Fund Since: March 22, 2021 Experience in Managing the Fund: 4.9 Years |
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| 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: ₹ 100 (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: 77 | |
| AUM as on February 27, 2026 (in ₹Crore) | |
| Month End AUM | 1,523.44 |
| Monthly Average AUM | 1,535.82 |
| Total Expense Ratio (TER) | |
| Regular | 1.83% |
| Direct | 0.93% |
| Including additional expenses and goods and service tax on management fees. | |
| NAV as on February 27, 2026 | |
| Regular Growth | 69.03 |
| Regular IDCW$ | 16.58 |
| Direct Growth | 77.57 |
| Direct IDCW$ | 27.23 |
| $Income Distribution cum capital withdrawal | |
| Hybrid Exposure (% of net assets) | |
| Net Equity(including REITS) | 21.51% |
| Arbitrage | 0% |
| Debt & Cash | 77.78% |
| Gold/Commodities | 0% |
| Invits/Hybrid Instrument | 0.71% |
| Top 10 Sectoral Contribution (in %) |
 |
| Market Capitalisation |
 |
| Volatility Measures | |
| Modified Duration | 4.05 years |
| Average Maturity | 6.87 years |
| Yield to Maturity | 7.58% |
| Macaulay Duration | 4.27 years |
| Portfolio Turnover | 1.12 |
| Standard Deviation | 2.95% |
| Sharpe Ratio | 1.48 |
| Beta | 0.90 |
| Treynor Ratio | 0.05 |
| Note: Standard Deviation, Sharpe Ratio & Beta are calculated on Annualised basis using 3 years history of monthly returns. Risk Free Rate assumed to be 5.17% (FBIL Overnight MIBOR as on 27 February, 2026) for calculating SharpeRatio | |
| Rating Profile of Portfolio |  |
Sector/Issuer Name |
|
Rating |
% to Net Assets |
Debt & Debt Related |
|
|
|
Fixed rates bonds - Corporate |
|
50.66% |
|
• Cholamandalam Investment and Finance Company Limited |
ICRA AA+ |
3.67% |
|
• Housing & Urban Development Corporation Limited |
ICRA AAA |
3.26% |
|
• Jtpm Metal Traders Pvt Ltd |
|
CRISIL AA |
2.95% |
• Adani Power Limited |
|
CRISIL AA |
2.29% |
• Bajaj Housing Finance Limited |
|
CRISIL AAA |
2.00% |
• Nuvama Wealth Finance Ltd |
|
CARE AA |
1.99% |
• Bharti Telecom Limited |
|
CRISIL AAA |
1.96% |
• Jubilant Bevco Ltd |
|
CRISIL AA |
1.78% |
REC Limited |
|
CRISIL AAA |
1.70% |
GMR Airport Ltd |
|
CRISIL A+ |
1.70% |
Bharti Telecom Limited |
|
CARE AAA |
1.70% |
Indian Railway Finance Corporation Limited |
ICRA AAA |
1.68% |
|
Aditya Birla Finance Limited |
|
ICRA AAA |
1.67% |
Small Industries Development Bank of India |
CRISIL AAA |
1.65% |
|
Narayana Hrudayalaya Limited |
|
ICRA AA |
1.65% |
Vedanta Limited |
|
ICRA AA |
1.65% |
Knowledge Realty Trust |
|
CRISIL AAA |
1.64% |
National Bank For Agriculture and Rural Development |
ICRA AAA |
1.62% |
|
Power Grid Corporation of India Limited |
ICRA AAA |
1.62% |
|
Indian Railway Finance Corporation Limited |
ICRA AAA |
1.62% |
|
Power Grid Corporation of India Limited |
ICRA AAA |
1.61% |
|
Muthoot Finance Limited |
|
ICRA AA+ |
1.33% |
GMR Airport Ltd |
|
CRISIL A+ |
1.03% |
REC Limited |
|
ICRA AAA |
0.66% |
National Bank For Agriculture and Rural Development |
CRISIL AAA |
0.66% |
|
Bajaj Finance Limited |
|
CRISIL AAA |
0.66% |
Summit Digitel Infrastructure Private Limited |
CRISIL AAA |
0.66% |
|
Tata Capital Housing Finance Limited |
ICRA AAA |
0.65% |
|
Tata Capital Housing Finance Limited |
ICRA AAA |
0.40% |
|
REC Limited |
|
CRISIL AAA |
0.34% |
Bajaj Housing Finance Limited |
|
CRISIL AAA |
0.33% |
Small Industries Development Bank of India |
CRISIL AAA |
0.33% |
|
Tata Capital Housing Finance Limited |
ICRA AAA |
0.33% |
|
Embassy Office Parks REIT |
|
CRISIL AAA |
0.33% |
Tata Capital Housing Finance Limited |
ICRA AAA |
0.33% |
|
LIC Housing Finance Limited |
|
CRISIL AAA |
0.33% |
HDB Financial Services Limited |
|
CRISIL AAA |
0.33% |
SMFG India Credit Co. Ltd. |
|
ICRA AAA |
0.33% |
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 |
|
|
9.49% |
• 6.68% GOI 07Jul2040 |
|
SOV |
2.85% |
7.46% GOVERNMENT OF INDIA 06NOV73 G-SEC |
SOV |
1.65% |
|
7.24 GOI 18 Aug 2055 |
|
SOV |
1.62% |
7.18% GOI 24-Jul-2037 |
|
SOV |
1.02% |
7.25% GOI 12JUN63 |
|
SOV |
0.96% |
7.23% INDIA GOVERNMENT BOND 15APR2039 |
SOV |
0.67% |
|
7.02% GOVERNMENT OF INDIA 18JUN31 G-SEC |
SOV |
0.34% |
|
6.90% GOI 15-Apr-2065 |
|
SOV |
0.17% |
7.34% INDIA GOVERNMENT BOND 22APR2064 |
SOV |
0.13% |
|
8.17% GOI (MD 01/12/2044) |
|
SOV |
0.07% |
State Government bond |
|
|
5.25% |
7.11% MAHARASHTRA 25SEP2036 SDL |
SOV |
1.29% |
|
7.15% KARNATAKA 30OCT2036 SDL |
SOV |
0.97% |
|
7.45% BIHAR 10SEP2034 SDL |
|
SOV |
0.66% |
7.15% MADHYA PRADESH 09JUL2043 SDL |
SOV |
0.63% |
|
7.19% TAMIL NADU 21AUG2034 SDL |
SOV |
0.42% |
|
7.06% GUJARAT 14AUG2029 SDL |
SOV |
0.33% |
|
7.16% UTTAR PRADESH 20FEB2039 SDL |
SOV |
0.32% |
|
7.08% MAHARASHTRA 25JUN2039 SDL |
SOV |
0.32% |
|
HARYANA 08.21% 31MAR2026 SDL |
SOV |
0.16% |
|
6.70% GUJARAT 23SEP30 SDL |
|
SOV |
0.13% |
7.72% MAHARASHTRA 25MAY2034 SDL |
SOV |
0.03% |
|
Money Market Instruments |
|
|
3.43% |
Small Industries Development Bank of India |
CRISIL A1+ |
1.58% |
|
Union Bank of India |
|
ICRA A1+ |
1.55% |
National Bank For Agriculture and Rural Development |
ICRA A1+ |
0.31% |
|
Cash Management Bills |
|
|
3.22% |
Government of India |
|
SOV |
0.94% |
Government of India |
|
SOV |
0.66% |
Government of India |
|
SOV |
0.64% |
Government of India |
|
SOV |
0.64% |
Government of India |
|
SOV |
0.27% |
Government of India |
|
SOV |
0.07% |
SECURITISED DEBT |
|
|
1.41% |
India Universal Trust Al2 |
|
IND AAA(SO) |
0.68% |
India Universal Trust Al2 |
|
IND AAA(SO) |
0.51% |
India Universal Trust Al2 |
|
IND AAA(SO) |
0.22% |
Alternative Investment Funds (AIF) |
|
0.32% |
|
Corporate Debt Market Development Fund |
|
0.32% |
|
Sector/Issuer Name |
% of |
% of Derivatives |
% of |
Equity & Equity Related |
|
|
|
Banks |
|
|
5.79% |
• ICICI Bank Limited |
|
|
1.86% |
HDFC Bank Limited |
|
|
1.75% |
State Bank of India |
|
|
0.79% |
Axis Bank Limited |
|
|
0.70% |
The Federal Bank Limited |
|
|
0.69% |
Finance |
|
|
1.65% |
Bajaj Finserv Limited |
|
|
0.98% |
Bajaj Finance Limited |
|
|
0.40% |
SBFC Finance Ltd |
|
|
0.27% |
Healthcare Services |
|
|
1.48% |
Fortis Healthcare Limited |
|
|
0.70% |
METROPOLIS HEALTHCARE LIMITED |
|
0.43% |
|
Apollo Hospitals Enterprise Limited |
|
0.36% |
|
Pharmaceuticals & Biotechnology |
|
1.18% |
|
Sun Pharmaceutical Industries Limited |
|
0.57% |
|
Biocon Limited |
|
|
0.45% |
Abbott India Limited |
|
|
0.16% |
Non - Ferrous Metals |
|
|
1.15% |
Hindalco Industries Limited |
|
|
1.15% |
Telecom - Services |
|
|
1.11% |
Bharti Airtel Limited |
|
|
1.11% |
Consumer Durables |
|
|
0.96% |
Amber Enterprises India Limited |
|
|
0.48% |
L G Electronics India Ltd |
|
|
0.20% |
Whirlpool of India Limited |
|
|
0.17% |
V-Guard Industries Limited |
|
|
0.10% |
IT - Software |
|
|
0.92% |
Tech Mahindra Limited |
|
|
0.49% |
Infosys Limited |
|
|
0.43% |
REITS |
|
|
0.89% |
Nexus Select Trust |
|
|
0.58% |
Embassy Office Parks REIT |
|
|
0.30% |
Automobiles |
|
|
0.83% |
Bajaj Auto Limited |
|
|
0.49% |
Mahindra & Mahindra Limited |
|
|
0.33% |
Petroleum Products |
|
|
0.69% |
Reliance Industries Limited |
|
|
0.69% |
Cement & Cement Products |
|
0.62% |
|
UltraTech Cement Limited |
|
|
0.62% |
Retailing |
|
|
0.60% |
Avenue Supermarts Limited |
|
|
0.35% |
Sector/Issuer Name |
% of |
% of Derivatives |
% of |
Eternal Limited |
|
|
0.24% |
Auto Components |
|
|
0.58% |
SJS Enterprises Pvt Limited |
|
|
0.58% |
Insurance |
|
|
0.54% |
Max Financial Services Limited |
|
|
0.27% |
SBI Life Insurance Company Limited |
|
0.27% |
|
Construction |
|
|
0.43% |
Larsen & Toubro Limited |
|
|
0.43% |
Transport Infrastructure |
|
|
0.40% |
Adani Ports and Special Economic Zone Limited |
|
0.40% |
|
Industrial Products |
|
|
0.39% |
Cummins India Limited |
|
|
0.39% |
Personal Products |
|
|
0.34% |
Godrej Consumer Products Limited |
|
0.34% |
|
Electrical Equipment |
|
|
0.30% |
TD Power Systems Limited |
|
|
0.30% |
Chemicals & Petrochemicals |
|
0.19% |
|
Vinati Organics Limited |
|
|
0.19% |
Power |
|
|
0.19% |
NTPC Limited |
|
|
0.19% |
Food Products |
|
|
0.14% |
Mrs Bectors Food Specialities Limited |
|
0.14% |
|
Diversified FMCG |
|
|
0.10% |
ITC Limited |
|
|
0.10% |
Capital Markets |
|
|
0.06% |
Billionbrains Garage Ventures Ltd |
|
|
0.06% |
Miscellaneous |
|
|
0.00% |
Sector/Issuer Name |
|
|
% to Net Assets |
INVITs |
|
|
|
INVITS |
|
|
0.71% |
India Grid Trust |
|
|
0.70% |
IRB InvIT Fund |
|
|
0.01% |
Mutual Funds Units |
|
|
|
INVESTMENT FUNDS/MUTUAL FUNDS |
|
0.07% |
|
Aditya Birla Sun Life Crisil-IBX AAA NBFC-HFC Index-Sep 2026 Fund-Direct Growth |
0.07% |
||
Net Cash and Cash Equivalent |
|
3.93% |
|
Grand Total |
|
|
100.00% |
Miscellaneous includes securities with exposure of less than 0.01% |
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| 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. | |