mutual funds zerodha life cycle fund 2031 directgrowth

holdings

Zerodha Life Cycle Fund 2031 Direct-Growth

Hybrid: Life Cycle - Growth (Open ended)

SEBI Riskometer: HighCategory: Hybrid: Life CycleCheck Portfolio Overlap →

NAV: ₹9.72-0.41%

22 Oct 2026

Holdings Analysis

Equity, debt and cash allocation snapshot with market cap distribution for Zerodha Life Cycle Fund 2031 Direct-Growth.

Asset Allocation

As on 30 Sep 2026

Equity

47.31%

Debt

26.91%

Others

21.50%

Commodities

4.28%

Market Cap Distribution

Large Cap (52.9%)

Mid Cap (43.3%)

Small Cap (3.8%)

Portfolio Snapshot

No. of Securities

254

P/E Ratio

22.23

P/B Ratio

2.86

Top Holding %

26.91%

Top 5 Holdings %

61.81%

Top 10 Holdings %

74.46%

AUM

₹10 Cr

Expense Ratio

2.98%

Since Inception

-2.84%

Max Drawdown

-0.04%

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
Bharti Airtel Ltd.	Communication	2,956	0.52	5.05%
The Federal Bank Ltd.	Financial	14,046	0.45	4.34%
Indusind Bank Ltd.	Financial	4,613	0.42	4.04%
Infosys Ltd.	Technology	3,870	0.38	3.74%
Bajaj Finance Ltd.	Financial	2,762	0.26	2.58%
HDFC Bank Ltd.	Financial	2,929	0.21	2.02%
ICICI Bank Ltd.	Financial	1,370	0.18	1.76%
LIC Housing Finance Ltd.	Financial	3,188	0.17	1.64%
Reliance Industries Ltd.	Energy	1,292	0.15	1.49%
Larsen & Toubro Ltd.	Construction	223	0.08	0.82%
BSE Ltd.	Services	256	0.08	0.77%
State Bank of India	Financial	790	0.08	0.74%
Axis Bank Ltd.	Financial	549	0.07	0.65%
Kotak Mahindra Bank Ltd.	Financial	1,408	0.06	0.57%
Multi Commodity Exchange Of India Ltd.	Services	160	0.05	0.51%
Mahindra & Mahindra Ltd.	Automobile	170	0.05	0.49%
Laurus Labs Ltd.	Healthcare	244	0.05	0.47%
ITC Ltd.	Consumer Staples	1,843	0.05	0.47%
One 97 Communications Ltd.	Services	264	0.04	0.43%
Eternal Ltd.	Services	1,382	0.04	0.43%

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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 Sep 2026
Financial	11.67%
Services	4.89%
Energy	4.08%
Healthcare	3.85%
Capital Goods	3.60%
Automobile	3.53%
Technology	2.81%
Consumer Staples	2.61%
Metals & Mining	2.09%
Construction	1.87%
Communication	1.67%
Materials	1.47%
Consumer Discretionary	1.00%
Insurance	1.00%
Chemicals	0.99%
Textiles	0.18%

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
SOV	26.91%	12.12%
Cash	18.45%	7.30%
Cash & Call Money	3.02%	18.11%

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

Score not available.

Price Momentum score

Score not available.

Quality score

Score not available.

QVM score

Score not available.

Red Flags

Earnings manipulation risk (Beneish M-score)

Following stocks have high risk of potential earnings manipulation (Beneish M-score > -1.78):

Name	Value
Adani Enterprises Ltd.	-1.63
Ashok Leyland Ltd.	-1.59
ACC Ltd.	-1.57
Balkrishna Industries Ltd.	-1.51
CG Power and Industrial Solutions Ltd.	-0.65
Godrej Industries Ltd.	-1.7
Hindustan Unilever Ltd.	-1.56
Hindustan Zinc Ltd.	-1.37
Abbott India Ltd.	-1.38
Trent Ltd.	-1.78
Lloyds Metals & Energy Ltd.	0.8
PI Industries Ltd.	-1.49
Vedanta Ltd.	-0.12
Tata Motors Passenger Vehicles Ltd.	-1.66
Honeywell Automation India Ltd.	-0.15
Torrent Pharmaceuticals Ltd.	-0.63
Zydus Lifesciences Ltd.	-1.55
Ajanta Pharma Ltd.	-1.58
Solar Industries India Ltd.	-1.01
Torrent Power Ltd.	-1.7
Bajaj Auto Ltd.	-0.72
Adani Power Ltd.	-1.55
JSW Energy Ltd.	-1.33
JSW Infrastructure Ltd.	-1.74
Adani Energy Solutions Ltd.	-1.57
Endurance Technologies Ltd.	-1.75
Varun Beverages Ltd.	-1.69
Tube Investments of India Ltd.	-1.47
Adani Green Energy Ltd.	-1.3
Max Healthcare Institute Ltd.	-1.68
Lodha Developers Ltd.	-1.76
Swiggy Ltd.	-1.35
Anthem Biosciences Ltd.	-1.63

Declining revenues

Following companies have seen their sales decline for 2 consecutive quarters (measured on yoy basis): Canara Bank, DLF Ltd.

High leverage

Following companies have debt to equity of greater than 2:

Name	Value
Ashok Leyland Ltd.	4.49
Godrej Industries Ltd.	4.61
Grasim Industries Ltd.	2.2
Tata Power Company Ltd.	2.02
Tata Communications Ltd.	3.93
TVS Motor Company Ltd.	3.43
JSW Energy Ltd.	2.5
Jubilant FoodWorks Ltd.	2.14
SJVN Ltd.	2.27
Interglobe Aviation Ltd.	11.15
Adani Green Energy Ltd.	5.51

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

No data available

Instruments

Full name	Description	Coupon rate	Maturity	Rating raw	Weight
GOI	GOI Securities	6.36%	16/02/2031	SOV	26.91%

Frequently Asked Questions

What are the top holdings of Zerodha Life Cycle Fund 2031 Direct-Growth?

The top holdings of Zerodha Life Cycle Fund 2031 Direct-Growth as of 30 Sep 2026 are GOI (26.91%), Others (21.47%), Bharti Airtel Ltd. (5.05%), The Federal Bank Ltd. (4.34%), Indusind Bank Ltd. (4.04%). These top 5 stocks together account for 61.81% of the total portfolio. You can view the complete holdings breakdown above.

How many stocks does Zerodha Life Cycle Fund 2031 Direct-Growth hold in its portfolio?

Zerodha Life Cycle Fund 2031 Direct-Growth holds 254 stocks in its portfolio as of 30 Sep 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.

What is the sector allocation of Zerodha Life Cycle Fund 2031 Direct-Growth?

As of 30 Sep 2026, Zerodha Life Cycle Fund 2031 Direct-Growth's top sector allocations are Financial (11.67%), Services (4.89%), Energy (4.08%). You can find detailed sector allocation above.

What is the equity and debt allocation of Zerodha Life Cycle Fund 2031 Direct-Growth?

As of 30 Sep 2026, Zerodha Life Cycle Fund 2031 Direct-Growth has 47.31% allocated to equity, and 26.91% to debt. You can also check the historical trends above.

What is the market cap allocation of Zerodha Life Cycle Fund 2031 Direct-Growth?

As of 30 Sep 2026, Zerodha Life Cycle Fund 2031 Direct-Growth's market cap allocation is 52.89% in large caps, 43.28% in mid caps, and 3.83% in small caps.

What is the PE ratio of Zerodha Life Cycle Fund 2031 Direct-Growth's portfolio?

The portfolio PE ratio of Zerodha Life Cycle Fund 2031 Direct-Growth is 22.23 as of 30 Sep 2026. The portfolio PE ratio tells you how expensive or cheap the fund's holdings are relative to their earnings.

What is the credit quality of Zerodha Life Cycle Fund 2031 Direct-Growth?

As of 30 Sep 2026, Zerodha Life Cycle Fund 2031 Direct-Growth's debt portfolio has - in AAA-rated instruments, - in AA-rated, and 26.91% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.

When is the latest portfolio disclosure for Zerodha Life Cycle Fund 2031 Direct-Growth?

The latest portfolio disclosure for Zerodha Life Cycle Fund 2031 Direct-Growth is as of 30 Sep 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.

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Instrument

Sector

No. of Shares

Value (Rs. Cr)

Weight

Bharti Airtel Ltd.

Communication

2,956

0.52

5.05%

The Federal Bank Ltd.

Financial

14,046

0.45

4.34%

Indusind Bank Ltd.

Financial

4,613

0.42

4.04%

Infosys Ltd.

Technology

3,870

0.38

3.74%

Bajaj Finance Ltd.

Financial

2,762

0.26

2.58%

HDFC Bank Ltd.

Financial

2,929

0.21

2.02%

ICICI Bank Ltd.

Financial

1,370

0.18

1.76%

LIC Housing Finance Ltd.

Financial

3,188

0.17

1.64%

Reliance Industries Ltd.

Energy

1,292

0.15

1.49%

Larsen & Toubro Ltd.

Construction

223

0.08

0.82%

BSE Ltd.

Services

256

0.08

0.77%

State Bank of India

Financial

790

0.08

0.74%

Axis Bank Ltd.

Financial

549

0.07

0.65%

Kotak Mahindra Bank Ltd.

Financial

1,408

0.06

0.57%

Multi Commodity Exchange Of India Ltd.

Services

160

0.05

0.51%

Mahindra & Mahindra Ltd.

Automobile

170

0.05

0.49%

Laurus Labs Ltd.

Healthcare

244

0.05

0.47%

ITC Ltd.

Consumer Staples

1,843

0.05

0.47%

One 97 Communications Ltd.

Services

264

0.04

0.43%

Eternal Ltd.

Services

1,382

0.04

0.43%

Sector

30 Sep 2026

Financial

11.67%

Services

4.89%

Energy

4.08%

Healthcare

3.85%

Capital Goods

3.60%

Automobile

3.53%

Technology

2.81%

Consumer Staples

2.61%

Metals & Mining

2.09%

Construction

1.87%

Communication

1.67%

Materials

1.47%

Consumer Discretionary

1.00%

Insurance

1.00%

Chemicals

0.99%

Textiles

0.18%

Rating

Fund