mutual funds zerodha life cycle fund 2041 directgrowth

holdings

Zerodha Life Cycle Fund 2041 Direct-Growth

Hybrid: Life Cycle - Growth (Open ended)

Zerodha Life Cycle Fund 2041 Direct-GrowthNAV: 9.98 as on 06 Sep, 2026

Risk levelCategoryBenchmark

Factsheet

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

NAV: ₹9.98-0.47%

07 Sept 2026

Holdings Analysis

Equity, debt and cash allocation snapshot with market cap distribution for Zerodha Life Cycle Fund 2041 Direct-Growth.

Asset Allocation

As on 31 Jul 2026

Equity

78.08%

Debt

12.81%

Commodities

8.95%

Others

0.16%

Market Cap Distribution

Large Cap (53.8%)

Mid Cap (44.1%)

Small Cap (2.1%)

Portfolio Snapshot

No. of Securities

254

P/E Ratio

23.26

P/B Ratio

3.38

Top Holding %

12.81%

Top 5 Holdings %

28.08%

Top 10 Holdings %

36.26%

AUM

₹15 Cr

Expense Ratio

1.39%

Since Inception

-0.23%

Max Drawdown

-0.02%

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
HDFC Bank Ltd.	Financial	6,399	0.48	3.28%
ICICI Bank Ltd.	Financial	3,019	0.43	2.97%
Reliance Industries Ltd.	Energy	2,834	0.37	2.54%
Bharti Airtel Ltd.	Communication	1,261	0.25	1.70%
BSE Ltd.	Services	561	0.2	1.40%
Larsen & Toubro Ltd.	Construction	492	0.19	1.33%
State Bank of India	Financial	1,717	0.18	1.21%
Infosys Ltd.	Technology	1,460	0.16	1.13%
Axis Bank Ltd.	Financial	1,196	0.15	1.01%
Bajaj Finance Ltd.	Financial	1,115	0.13	0.87%
Mahindra & Mahindra Ltd.	Automobile	371	0.13	0.86%
The Federal Bank Ltd.	Financial	3,365	0.12	0.83%
Kotak Mahindra Bank Ltd.	Financial	3,065	0.12	0.82%
ITC Ltd.	Consumer Staples	4,052	0.11	0.78%
Tata Consultancy Services Ltd.	Technology	423	0.1	0.69%
Laurus Labs Ltd.	Healthcare	544	0.1	0.68%
Hero Motocorp Ltd.	Automobile	179	0.1	0.66%
Coforge Ltd.	Technology	543	0.09	0.64%
Multi Commodity Exchange Of India Ltd.	Services	343	0.09	0.63%
Indusind Bank Ltd.	Financial	910	0.09	0.63%

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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	31 Jul 2026
Financial	19.21%
Services	7.72%
Energy	6.81%
Healthcare	6.19%
Capital Goods	6.11%
Automobile	5.97%
Technology	4.86%
Consumer Staples	4.43%
Metals & Mining	3.28%
Construction	3.08%
Communication	2.84%
Materials	2.49%
Chemicals	1.70%
Consumer Discretionary	1.62%
Insurance	1.30%
Textiles	0.32%

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	12.81%	3.84%
Cash & Call Money	0.10%	0.54%

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., Dr. Reddys Laboratories Ltd., ITC Ltd., LIC Housing Finance Ltd., Petronet LNG Ltd., PI Industries Ltd., Punjab National Bank, REC Ltd., Tata Motors Passenger Vehicles Ltd., United Spirits Ltd., Vedanta 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.	3.55
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.	5.26

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	6.94%	11/05/2036	SOV	12.81%

Frequently Asked Questions

What are the top holdings of Zerodha Life Cycle Fund 2041 Direct-Growth?

The top holdings of Zerodha Life Cycle Fund 2041 Direct-Growth as of 31 Jul 2026 are GOI (12.81%), Zerodha Gold ETF - Growth (4.51%), Zerodha Silver ETF-Growth (4.50%), HDFC Bank Ltd. (3.28%), ICICI Bank Ltd. (2.97%). These top 5 stocks together account for 28.08% of the total portfolio. You can view the complete holdings breakdown above.

How many stocks does Zerodha Life Cycle Fund 2041 Direct-Growth hold in its portfolio?

Zerodha Life Cycle Fund 2041 Direct-Growth holds 254 stocks in its portfolio as of 31 Jul 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 2041 Direct-Growth?

As of 31 Jul 2026, Zerodha Life Cycle Fund 2041 Direct-Growth's top sector allocations are Financial (19.21%), Services (7.72%), Energy (6.81%). You can find detailed sector allocation above.

What is the equity and debt allocation of Zerodha Life Cycle Fund 2041 Direct-Growth?

As of 31 Jul 2026, Zerodha Life Cycle Fund 2041 Direct-Growth has 78.08% allocated to equity, and 12.81% to debt. You can also check the historical trends above.

What is the market cap allocation of Zerodha Life Cycle Fund 2041 Direct-Growth?

As of 31 Jul 2026, Zerodha Life Cycle Fund 2041 Direct-Growth's market cap allocation is 53.80% in large caps, 44.15% in mid caps, and 2.05% in small caps.

What is the PE ratio of Zerodha Life Cycle Fund 2041 Direct-Growth's portfolio?

The portfolio PE ratio of Zerodha Life Cycle Fund 2041 Direct-Growth is 23.26 as of 31 Jul 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 2041 Direct-Growth?

As of 31 Jul 2026, Zerodha Life Cycle Fund 2041 Direct-Growth's debt portfolio has - in AAA-rated instruments, - in AA-rated, and 12.81% 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 2041 Direct-Growth?

The latest portfolio disclosure for Zerodha Life Cycle Fund 2041 Direct-Growth is as of 31 Jul 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

HDFC Bank Ltd.

Financial

6,399

0.48

3.28%

ICICI Bank Ltd.

Financial

3,019

0.43

2.97%

Reliance Industries Ltd.

Energy

2,834

0.37

2.54%

Bharti Airtel Ltd.

Communication

1,261

0.25

1.70%

BSE Ltd.

Services

561

0.2

1.40%

Larsen & Toubro Ltd.

Construction

492

0.19

1.33%

State Bank of India

Financial

1,717

0.18

1.21%

Infosys Ltd.

Technology

1,460

0.16

1.13%

Axis Bank Ltd.

Financial

1,196

0.15

1.01%

Bajaj Finance Ltd.

Financial

1,115

0.13

0.87%

Mahindra & Mahindra Ltd.

Automobile

371

0.13

0.86%

The Federal Bank Ltd.

Financial

3,365

0.12

0.83%

Kotak Mahindra Bank Ltd.

Financial

3,065

0.12

0.82%

ITC Ltd.

Consumer Staples

4,052

0.11

0.78%

Tata Consultancy Services Ltd.

Technology

423

0.1

0.69%

Laurus Labs Ltd.

Healthcare

544

0.1

0.68%

Hero Motocorp Ltd.

Automobile

179

0.1

0.66%

Coforge Ltd.

Technology

543

0.09

0.64%

Multi Commodity Exchange Of India Ltd.

Services

343

0.09

0.63%

Indusind Bank Ltd.

Financial

910

0.09

0.63%

Sector

31 Jul 2026

Financial

19.21%

Services

7.72%

Energy

6.81%

Healthcare

6.19%

Capital Goods

6.11%

Automobile

5.97%

Technology

4.86%

Consumer Staples

4.43%

Metals & Mining

3.28%

Construction

3.08%

Communication

2.84%

Materials

2.49%

Chemicals

1.70%

Consumer Discretionary

1.62%

Insurance

1.30%

Textiles

0.32%

Rating

Fund