mutual funds aditya birla sun life regular savings fund directgrowth

holdings

Aditya Birla Sun Life Regular Savings Fund Direct-Growth

Hybrid: Conservative Hybrid - Growth (Open ended)

Aditya Birla Sun Life Regular Savings Fund Direct-GrowthNAV: 78.78 as on 07 Jul, 2026

Risk levelCategoryBenchmark

Factsheet

SEBI Riskometer: Moderately HighCategory: Hybrid: Conservative HybridBenchmark: CRISIL Hybrid 85+15 Conservative Index

NAV: ₹78.78-0.58%

08 Jul 2026

Holdings Analysis

Equity, debt and cash allocation snapshot with market cap distribution for Aditya Birla Sun Life Regular Savings Fund Direct-Growth.

Asset Allocation

As on 30 Jun 2026

Debt

74.81%

Equity

20.74%

Others

2.52%

Real estate

1.94%

Market Cap Distribution

Large Cap (73.9%)

Mid Cap (12.5%)

Small Cap (13.6%)

Historical Asset Allocation

Asset	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026	31 Jan 2026
Equity	20.74%	20.79%	20.52%	19.03%	20.62%	20.43%
Debt	74.81%	73.43%	73.68%	75.97%	73.85%	74.77%
Others (incl. cash)	2.52%	3.89%	3.92%	3.14%	3.93%	3.90%
Commodities	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Real Estate	1.94%	1.89%	1.88%	1.86%	1.60%	0.90%

Portfolio Snapshot

No. of Securities

127

P/E Ratio

26.44

P/B Ratio

3.39

Top Holding %

3.76%

Top 5 Holdings %

16.49%

Top 10 Holdings %

26.64%

Modified Duration

3.25 yrs

Avg. Maturity

5.08 yrs

Yield to Maturity

8.32%

AUM

₹1,490 Cr

Expense Ratio

0.96%

Since Inception

10.28%

Max Drawdown

-0.14%

Sharpe Ratio

0.87

Top Portfolio Holdings by Weight

Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.

Instrument	Sector	No. of Shares	Value (Rs. Cr)	Weight	Change
ICICI Bank Ltd.	Financial	2,06,000	28.33	1.90%	0.15%↑
HDFC Bank Ltd.	Financial	3,00,000	23.94	1.61%	0.09%↑
Hindalco Industries Ltd.	Metals & Mining	1,90,000	18.18	1.22%	-0.23%↓
Bharti Airtel Ltd.	Communication	90,000	16.67	1.12%	0.00%↑
Bajaj Finserv Ltd.	Financial	75,000	13.35	0.90%	-0.01%↓
The Federal Bank Ltd.	Financial	3,50,000	11.55	0.78%	0.09%↑
SJS Enterprises Ltd.	Automobile	50,000	11.09	0.74%	0.03%↑
Fortis Healthcare Ltd.	Healthcare	1,13,000	10.81	0.73%	0.01%↑
Axis Bank Ltd.	Financial	77,000	10.36	0.70%	0.02%↑
State Bank of India	Financial	1,00,000	10.27	0.69%	0.04%↑
Reliance Industries Ltd.	Energy	75,000	9.7	0.65%	-0.02%↓
Sun Pharmaceutical Industries Ltd.	Healthcare	50,000	9.31	0.62%	0.01%↑
Ultratech Cement Ltd.	Materials	7,500	8.44	0.57%	-0.02%↓
Tech Mahindra Ltd.	Technology	55,000	7.73	0.52%	-0.03%↓
Biocon Ltd.	Healthcare	1,76,259	7.37	0.49%	-0.02%↓
Metropolis Healthcare Ltd.	Healthcare	1,36,200	7.36	0.49%	-0.02%↓
Bajaj Auto Ltd.	Automobile	7,531	7.32	0.49%	-0.04%↓
Adani Ports and Special Economic Zone Ltd.	Services	40,000	7.24	0.49%	-0.00%↓
Cummins India Ltd.	Capital Goods	12,200	6.9	0.46%	-0.02%↓
Larsen & Toubro Ltd.	Construction	15,409	6.38	0.43%	0.00%↑

1 / 3

Sector-wise Portfolio Allocation

Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.

Sector	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026	31 Jan 2026
Financial	7.51%	7.13%	7.21%	6.80%	7.76%	7.56%
Healthcare	2.90%	2.90%	2.70%	2.58%	2.66%	2.46%
Automobile	1.54%	1.56%	1.43%	1.29%	1.41%	1.35%
Metals & Mining	1.22%	1.45%	1.33%	1.15%	1.15%	1.19%
Services	1.16%	1.13%	1.13%	0.98%	1.00%	0.97%
Communication	1.12%	1.12%	1.15%	1.10%	1.11%	1.16%
Capital Goods	0.88%	0.93%	0.82%	0.67%	0.69%	0.57%
Technology	0.85%	0.95%	0.95%	0.95%	0.92%	1.48%
Energy	0.83%	0.87%	0.93%	0.88%	0.87%	0.86%
Consumer Discretionary	0.81%	0.82%	0.89%	0.77%	0.96%	0.79%
Materials	0.57%	0.58%	0.59%	0.55%	0.62%	0.62%
Consumer Staples	0.50%	0.50%	0.54%	0.50%	0.57%	0.56%
Construction	0.43%	0.43%	0.42%	0.37%	0.43%	0.40%
Insurance	0.24%	0.25%	0.25%	0.24%	0.27%	0.26%
Chemicals	0.18%	0.18%	0.18%	0.18%	0.19%	0.20%

Debt Holdings — Credit Quality Profile

Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.

Rating	Fund	Category
AAA	25.85%	17.67%
SOV	18.83%	30.38%
AA	12.73%	3.97%
AA+	10.15%	3.47%
A+	4.16%	0.97%
A1+	2.74%	2.36%
Cash & Call Money	2.52%	9.83%
Others	0.34%	0.24%
A	-	0.15%
A-	-	0.11%
AA-	-	0.58%
B+	-	3.11%
B-	-	2.82%
Cash	-	0.69%

Equity Insights

A detailed look at the equity holdings of this scheme — aggregated scores on value, momentum, quality parameters along with diversification and performance analysis.

Style Analysis

Value score

44.6 / 100

Weighted average Value score is 44.6. This indicates that portfolio is relatively reasonably valued using composite of value measures.

Price Momentum score

60.9 / 100

Weighted average Price Momentum score is 60.9. This indicates that portfolio has average momentum using composite of momentum measures.

Quality score

67.0 / 100

Weighted average Quality score is 67.0. This indicates that portfolio has average quality using composite of quality measures.

QVM score

65.7 / 100

Weighted average QVM score is 65.7. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.

Red Flags

Negative cash flow from operations

Following companies have not generated positive operating cash flow for 2 consecutive financial years: Bajaj Finserv Ltd., Bajaj Finance Ltd., SBFC Finance Ltd.

Debt Insights

A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.

SEBI PRC matrix

Credit risk

	Interest risk
	Low	Moderate	High
Low
Moderate
High

Instruments

Full name	Description	Coupon rate	Maturity	Rating raw	Weight
GOI	GOI Securities	6.68%	07/07/2040	SOV	3.76%
Cholamandalam Investment and Finance Company Ltd.	Debenture	8.92%	02/12/2034	ICRA AA+	3.73%
Muthoot Finance Ltd.	Debenture	0.00%	26/07/2029	ICRA AA+	3.39%
JTPM Metal Traders Ltd.	Debenture	0.00%	30/04/2030	CRISIL AA	3.10%
Adani Power Ltd.	Debenture	8.20%	25/01/2029	CRISIL AA	2.36%
Nuvama Wealth Finance Ltd.	Debenture	9.75%	16/04/2027	CARE AA	2.03%
Bharti Telecom Ltd.	Debenture	7.30%	01/12/2027	CRISIL AAA	2.00%
Jubilant Bevco Ltd.	Debenture	0.00%	31/05/2028	CRISIL AA	1.86%
GMR Airports Ltd.	Bonds	0.00%	13/02/2027	CRISIL A+	1.76%
GOI	GOI Securities	7.71%	18/05/2066	SOV	1.75%
GOI	GOI Securities	6.90%	15/04/2065	SOV	1.73%
REC Ltd.	Debenture	8.37%	07/12/2028	CRISIL AAA	1.73%
Vedanta Ltd.	Debenture	9.40%	20/02/2027	ICRA AA+	1.69%
National Bank For Agriculture & Rural Development	Bonds	7.48%	15/09/2028	CRISIL AAA	1.69%
Vedanta Ltd.	Debenture	8.95%	16/03/2029	ICRA AA	1.69%
Bajaj Housing Finance Ltd.	Debenture	7.84%	23/09/2032	CRISIL AAA	1.69%
Narayana Hrudayalaya Ltd.	Debenture	8.40%	15/02/2030	ICRA AA	1.68%
Aditya Birla Finance Ltd.	Debenture	8.31%	11/07/2034	ICRA AAA	1.68%
Small Industries Devp. Bank of India Ltd.	Debenture	7.68%	09/07/2027	CRISIL AAA	1.68%
Knowledge Realty Trust	Debenture	7.20%	26/09/2028	CRISIL AAA	1.67%
Tata Capital Housing Finance Ltd.	Non Convertible Debenture	7.79%	18/06/2030	ICRA AAA	1.67%
Housing & Urban Development Corporation Ltd.	Non Convertible Debenture	6.64%	17/07/2028	ICRA AAA	1.66%
Indian Railway Finance Corporation Ltd.	Bonds	7.09%	16/12/2034	ICRA AAA	1.66%
Union Bank of India	Certificate of Deposit	0.00%	19/01/2027	ICRA A1+	1.62%
Muthoot Finance Ltd.	Debenture	8.52%	07/04/2028	ICRA AA+	1.35%
OXYZO Financial Services Ltd.	Debenture	9.90%	13/03/2029	ICRA A+	1.33%
Haryana State	State Development Loan	7.67%	27/12/2035	SOV	1.22%
GMR Airports Ltd.	Bonds	0.00%	13/08/2028	CRISIL A+	1.07%
GOI	GOI Securities	7.34%	22/04/2064	SOV	1.03%
Bharti Telecom Ltd.	Non Convertible Debenture	8.75%	05/11/2029	CARE AAA	1.03%
Karnataka State	State Development Loan	7.15%	30/10/2036	SOV	0.99%
GOI	Central Government Loan	0.00%	15/04/2035	SOV	0.98%
Tamilnadu State	State Development Loan	7.65%	25/01/2033	SOV	0.85%
National Bank For Financing Infrastructure And Development	Certificate of Deposit	0.00%	04/03/2027	IND A1+	0.80%
GOI	GOI Securities	0.00%	12/09/2027	SOV	0.69%
Indian Railway Finance Corporation Ltd.	Bonds	7.67%	15/12/2033	ICRA AAA	0.69%
GOI	GOI Securities	7.23%	15/04/2039	SOV	0.69%
GOI	GOI Securities	6.94%	11/05/2036	SOV	0.68%
Nagaland State	State Development Loan	0.00%	25/03/2031	SOV	0.68%
REC Ltd.	Debenture	7.46%	30/06/2028	ICRA AAA	0.68%
India Universal Trust AL1	Securitised Debt	0.00%	0	IND AAA(SO)	0.68%
Tata Capital Housing Finance Ltd.	Bonds	7.50%	16/02/2032	ICRA AAA	0.67%
National Bank For Agriculture & Rural Development	Bonds	6.85%	19/01/2029	ICRA AAA	0.67%
GOI	GOI Securities	7.36%	12/09/2026	SOV	0.66%
India Universal Trust AL1	Securitised Debt	8.09%	21/11/2027	IND AAA(SO)	0.46%
Tamilnadu State	State Development Loan	7.19%	21/08/2034	SOV	0.43%
Tata Capital Housing Finance Ltd.	Bonds	7.75%	18/05/2027	ICRA AAA	0.40%
REC Ltd.	Non Convertible Debenture	8.85%	16/04/2029	CRISIL AAA	0.35%
Nagaland State	State Development Loan	6.99%	18/03/2030	SOV	0.34%
Embassy Office Parks REIT	Non Convertible Debenture	7.96%	27/09/2027	CRISIL AAA	0.34%
LIC Housing Finance Ltd.	Debenture	7.84%	11/05/2027	CRISIL AAA	0.34%
Tata Capital Housing Finance Ltd.	Debenture	8.15%	19/08/2032	ICRA AAA	0.34%
Bajaj Housing Finance Ltd.	Debenture	7.89%	08/09/2032	CRISIL AAA	0.34%
Gujarat State	State Development Loan	7.06%	14/08/2029	SOV	0.34%
Tata Capital Housing Finance Ltd.	Debenture	7.71%	14/01/2028	ICRA AAA	0.34%
SMFG India Credit Company Ltd.	Non Convertible Debenture	8.28%	05/08/2026	ICRA AAA	0.34%
GOI	GOI Securities	7.02%	18/06/2031	SOV	0.34%
Kotak Mahindra Prime Ltd.	Debenture	8.22%	21/04/2027	ICRA AAA	0.34%
Small Industries Devp. Bank of India Ltd.	Debenture	7.83%	24/11/2028	CRISIL AAA	0.34%
Uttar Pradesh State	State Development Loan	7.16%	20/02/2039	SOV	0.33%
Maharashtra State	State Development Loan	7.08%	25/06/2039	SOV	0.32%
National Bank For Agriculture & Rural Development	Certificate of Deposit	0.00%	14/01/2027	ICRA A1+	0.32%
Madhya Pradesh State	State Development Loan	7.15%	09/07/2043	SOV	0.32%
GOI	GOI Securities	0.00%	15/12/2029	SOV	0.28%
Gujarat State	State Development Loan	6.70%	23/09/2030	SOV	0.13%
LIC Housing Finance Ltd.	Debenture	7.85%	18/08/2032	CRISIL AAA	0.07%
Indian Railway Finance Corporation Ltd.	Debenture	7.75%	15/04/2033	ICRA AAA	0.07%
GOI	GOI Securities	8.17%	01/12/2044	SOV	0.07%
GOI	GOI Securities	0.00%	19/03/2029	SOV	0.07%
India Universal Trust AL1	Securitised Debt	0.00%	0	IND AAA(SO)	0.06%
National Bank For Agriculture & Rural Development	Bonds	7.57%	4-D 03/01/2035	CRISIL AAA	0.06%
Maharashtra State	State Development Loan	7.72%	25/05/2034	SOV	0.03%
Telangana State	State Development Loan	8.08%	22/03/2031	SOV	0.00%
Telangana State	State Development Loan	8.27%	22/03/2028	SOV	0.00%
Telangana State	State Development Loan	8.07%	22/03/2029	SOV	0.00%
Telangana State	State Development Loan	8.04%	22/03/2030	SOV	0.00%
Telangana State	State Development Loan	7.95%	22/03/2032	SOV	0.00%

Frequently Asked Questions

What are the top holdings of Aditya Birla Sun Life Regular Savings Fund Direct-Growth?

The top holdings of Aditya Birla Sun Life Regular Savings Fund Direct-Growth sorted by portfolio weight are listed in the Top Portfolio Holdings section of the Holdings tab.

How many stocks does Aditya Birla Sun Life Regular Savings Fund Direct-Growth hold in its portfolio?

Aditya Birla Sun Life Regular Savings Fund Direct-Growth holds 127 securities in its portfolio. The top 5 holdings account for 16.49% of the portfolio and the top 10 for 26.64% — a well-diversified portfolio that minimises stock-specific risk.

What is the sector allocation of Aditya Birla Sun Life Regular Savings Fund Direct-Growth?

The sector allocation of Aditya Birla Sun Life Regular Savings Fund Direct-Growth is in the Sector Allocation section, showing each industry's weight in the portfolio.

What is the equity and debt allocation of Aditya Birla Sun Life Regular Savings Fund Direct-Growth?

As of 30 Jun 2026, Aditya Birla Sun Life Regular Savings Fund Direct-Growth has 20.74% in equity, 74.81% in debt and 2.52% in cash/others. This asset mix determines the fund's overall risk-return profile. The debt portfolio has a yield to maturity (YTM) of 8.32%.

What is the market cap allocation of Aditya Birla Sun Life Regular Savings Fund Direct-Growth?

Aditya Birla Sun Life Regular Savings Fund Direct-Growth's equity portfolio — Large Cap: 73.87%, Mid Cap: 12.49%, Small Cap: 13.64%. Market cap allocation determines the fund's risk profile — large cap offers stability while mid and small cap offer higher growth potential with higher volatility.

Is Aditya Birla Sun Life Regular Savings Fund Direct-Growth a concentrated or diversified fund?

Aditya Birla Sun Life Regular Savings Fund Direct-Growth holds 127 securities, with the top 10 accounting for 26.64% of the portfolio and the top 5 for 16.49%. With 127 holdings, this is a well-diversified fund — stock-specific risk is limited.

What is the credit quality of Aditya Birla Sun Life Regular Savings Fund Direct-Growth?

The debt holdings of Aditya Birla Sun Life Regular Savings Fund Direct-Growth are rated as follows — AAA: 25.85%, SOV: 18.83%, AA: 12.73%, AA+: 10.15%, and others. Higher allocation to AAA and sovereign instruments means lower credit risk. The full rating profile compared to the category average is in the Credit Rating section.

How often does Aditya Birla Sun Life Regular Savings Fund Direct-Growth change its portfolio?

The portfolio currently holds 127 securities with the top 10 accounting for 26.64% as of 30 Jun 2026. Portfolio turnover reflects how actively the fund manager trades. A high turnover increases transaction costs while a low turnover reflects a buy-and-hold approach. Historical asset allocation snapshots across multiple dates are in the Holdings Analysis section.

What is the PE ratio of Aditya Birla Sun Life Regular Savings Fund Direct-Growth's portfolio?

The weighted average PE ratio of Aditya Birla Sun Life Regular Savings Fund Direct-Growth's portfolio is 26.44 and the PB ratio is 3.39. The debt portfolio has a modified duration of 3.25 years and an average maturity of 5.08 years. These metrics reflect the overall valuation and interest rate sensitivity of the portfolio.

When is the latest portfolio disclosure for Aditya Birla Sun Life Regular Savings Fund Direct-Growth?

The latest portfolio disclosure for Aditya Birla Sun Life Regular Savings Fund Direct-Growth is as of 30 Jun 2026. Mutual funds and ETFs in India are required to disclose their full portfolio monthly, within 10 business days of month-end. You can switch between historical disclosure dates using the date selector in the Top Portfolio Holdings section.

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Asset

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

31 Jan 2026

Equity

20.74%

20.79%

20.52%

19.03%

20.62%

20.43%

Debt

74.81%

73.43%

73.68%

75.97%

73.85%

74.77%

Others (incl. cash)

2.52%

3.89%

3.92%

3.14%

3.93%

3.90%

Commodities

0.00%

Real Estate

1.94%

1.89%

1.88%

1.86%

1.60%

0.90%

Instrument

Sector

No. of Shares

Value (Rs. Cr)

Weight

Change

ICICI Bank Ltd.

Financial

2,06,000

28.33

1.90%

0.15%↑

HDFC Bank Ltd.

Financial

3,00,000

23.94

1.61%

0.09%↑

Hindalco Industries Ltd.

Metals & Mining

1,90,000

18.18

1.22%

-0.23%↓

Bharti Airtel Ltd.

Communication

90,000

16.67

1.12%

0.00%↑

Bajaj Finserv Ltd.

Financial

75,000

13.35

0.90%

-0.01%↓

The Federal Bank Ltd.

Financial

3,50,000

11.55

0.78%

0.09%↑

SJS Enterprises Ltd.

Automobile

50,000

11.09

0.74%

0.03%↑

Fortis Healthcare Ltd.

Healthcare

1,13,000

10.81

0.73%

0.01%↑

Axis Bank Ltd.

Financial

77,000

10.36

0.70%

0.02%↑

State Bank of India

Financial

1,00,000

10.27

0.69%

0.04%↑

Reliance Industries Ltd.

Energy

75,000

9.7

0.65%

-0.02%↓

Sun Pharmaceutical Industries Ltd.

Healthcare

50,000

9.31

0.62%

0.01%↑

Ultratech Cement Ltd.

Materials

7,500

8.44

0.57%

-0.02%↓

Tech Mahindra Ltd.

Technology

55,000

7.73

0.52%

-0.03%↓

Biocon Ltd.

Healthcare

1,76,259

7.37

0.49%

-0.02%↓

Metropolis Healthcare Ltd.

Healthcare

1,36,200

7.36

0.49%

-0.02%↓

Bajaj Auto Ltd.

Automobile

7,531

7.32

0.49%

-0.04%↓

Adani Ports and Special Economic Zone Ltd.

Services

40,000

7.24

0.49%

-0.00%↓

Cummins India Ltd.

Capital Goods

12,200

6.9

0.46%

-0.02%↓

Larsen & Toubro Ltd.

Construction

15,409

6.38

0.43%

0.00%↑

Sector

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

31 Jan 2026

Financial

7.51%

7.13%

7.21%

6.80%

7.76%

7.56%

Healthcare

2.90%

2.70%

2.58%

2.66%

2.46%

Automobile

1.54%

1.56%

1.43%

1.29%

1.41%

1.35%

Metals & Mining

1.22%

1.45%

1.33%

1.15%

1.19%

Services

1.16%

1.13%

0.98%

1.00%

0.97%

Communication

1.12%

1.15%

1.10%

1.11%

1.16%

Capital Goods

0.88%

0.93%

0.82%

0.67%

0.69%

0.57%

Technology

0.85%

0.95%

0.92%

1.48%

Energy

0.83%

0.87%

0.93%

0.88%

0.87%

0.86%

Consumer Discretionary

0.81%

0.82%

0.89%

0.77%

0.96%

0.79%

Materials

0.57%

0.58%

0.59%

0.55%

0.62%

Consumer Staples

0.50%

0.54%

0.50%

0.57%

0.56%

Construction

0.43%

0.42%

0.37%

0.43%

0.40%

Insurance

0.24%

0.25%

0.24%

0.27%

0.26%

Chemicals

0.18%

0.19%

0.20%

Rating

Fund