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PlaystoreAditya Birla Sun Life AMC Limited
Aditya Birla Sun Life AMC Limited
Equity
Childrens Fund
An open-ended fund for investment for children having a lock-in for at least 5 years or till the child attains age of majority (whichever is earlier)
Aditya Birla Sun Life Bal Bhavishya Yojna Overview
Aditya Birla Sun Life Bal Bhavishya Yojna is an open ended fund for investment for children having a lock-in for at least 5 years or till the child attains age of majority (whichever is earlier).
Investment Objective
The investment objective of the scheme is to seek generation of capital appreciation by creating a portfolio that is predominantly investing in equity & equity related securities and debt and money market instruments.
Why Should you Invest:
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If you want to invest for long term goals for your children with a disciplined investment approach.
Also read: Invest in Your Child’s Future by Investing in a Mutual Fund -
If you are looking to strike a balance between potential growth from equities and the relative safety of debt.
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If you are looking to build a diversified portfolio of equity as well as debt investments for your children’s future starting with as low as INR 1,000
Fund Details
CAGR
Latest NAV
(as on )
AUM
()
Inception Date
()
Risk
Investment Horizon
5 years
Annual Benchmark Returns
Min Investment
Entry load
NIL
Exit load
1%
Nil,
An open ended fund for investment for children having a lock-in for at least 5 years or till the child attains age of majority (whichever is earlier).
Total Expense Ratio (TER)
Sharp Ratio
Beta Ratio
Other Parameters
Standard Deviation
Modified Duration
-
Yield to Maturity
-
Portfolio Turnover:
-
Average Maturity
-
Macaulay Duration
-
Net Equity Exposure
-
Fund Managers
Mr. Harshil Suvarnkar
Mr. Atul Penkar
Mr. Dhaval Joshi
Riskometer
(An open-ended fund for investment for children having a lock-in for at least 5 years or till the child attains age of majority (whichever is earlier)
This product is suitable for investors who are seeking
-
- Long term capital growth
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-Investments in predominantly equity and equity related securities as well as debt and money market instruments
*Investors should consult their financial advisers if in doubt whether the product is suitable for them
Portfolio & Sector Holdings
Retail
% of Net Assets
Sector Holdings
Dividend History
Any income received under this option would be considered as income for the investors and hence would be taxed at applicable tax slab rates.
Investment Performance
IDCW Plan of this scheme has distributed income to its investors out of its earnings, from time to time. The details of the same is tabulated:| Declared on date | IDCW Yield (Regular Plan) | IDCW Per Unit | Cum IDCW NAV |
|---|
Fund Summary
• As a parent, it is natural to want the best for your child's future, including their education and other major expenses.
• However, with the rising costs of higher education and other expenses, it can be challenging to ensure that you are adequately prepared to meet these financial goals.
• Aditya Birla Sun Life Bal Bhavishya Yojana can help you meet these challenges with ease.
• This scheme aims to provide the benefits of diversity and asset allocation within a single scheme.
• The equity component of the scheme help delivers long-term returns, while the debt component can add relative stability to your portfolio. This can help you manage your risks and achieve your investment goals for your children with ease.
• The mandatory lock-in period of 5 years of this scheme encourages a disciplined approach towards investment. This helps inculcate the habit of saving and ensures that the investment remains focused on the long-term financial goals. This also minimizes the chances of early withdrawals and helps to maximize returns over the long term.
Also Read: How to save for multiple financial goals
Fund Discipline
• It is predominantly an equity oriented plan with 65% - 100% of asset allocation in equity and equity related instruments. The fund may choose to invest up to 35% in debt and money market instruments and up to 10% in units issued by REITs and InvITs.
• The scheme seeks to manage volatility by investing in a range of debt securities and money market instruments.
• The scheme follows bottom-up approach for stock selection and top-down approach for sector selection.
• The fund Benchmark is Nifty 500 TRI that tracks broader Indian equity market. The benchmark is appropriate to compare the performance as the scheme is market-cap agnostic in invests across small-cap, mid-cap and large-cap stocks.
Tax Applicability
Investment held for less than 12 months
Short Term Capital Gain Tax would be applicable. Any gains/profits would be taxed at 15% (plus applicable surcharge and cess).
Investment held for more than 12 months
Long Term Capital Gain Tax would be applicable. Gains/profits in excess of Rs. 1 lakh would be taxed at 10% without indexation (plus applicable surcharge and cess).
Any income received under this option would be considered as income for the investors and hence would be taxed at applicable tax slab rates.
Forms & Downloads
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Frequently Asked Questions
There are two ways in which you can invest in this fund.
o Via Direct Plan - involves purchasing units of the fund directly from Aditya Birla Sun Life Mutual Fund
o Via Regular Plan – involves investing through a distributor or broker of your choice
Both these plans have a common portfolio but separate NAVs. This is because they both apply different expense ratios. Your choice of plan thus directly impacts the returns from your investment.
To redeem your investments in the direct plan of Aditya Birla Sun Life Bal Bhavishya Yojna, you can use their mobile app or desktop webpage and select a specified amount or number of units to redeem. For investments made in the regular plan through Registrar and Transfer Agent (RTA) or Mutual Fund Distributor (MFD), you can submit a duly signed redemption form to the respective RTA/MFD or redeem online through their portal, if available.
Yes, you can invest in Aditya Birla Sun Life Bal Bhavishya Yojna via both, SIP and lump-sum route. The choice of mode of investing should depend on your investing objective, risk appetite and investment horizon.
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