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4 star

Aditya Birla Sun Life Income Fund download report


1 Lakh

Investment Grown to
₹ 1.03 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.20 Lakh

Suitability:

"Medium to Long Duration debt funds invest mainly in bonds maturing in four to seven years. They aim to earn better returns than bank fixed deposits of a similar duration. The risk of incurring a loss in these funds over the said time frame is low, but they may experience some degree of volatility in response to changes in interest rates.

Retail investors can avoid these funds altogether. We believe that Short Duration funds are a better alternative for the fixed-income allocation in an investor’s portfolio.

We also believe that investors with an investment horizon of more than three years may consider investing some portion of their money in equity funds to earn higher returns. They witness more severe ups and downs than debt funds but the possibility of incurring a loss reduces with an increase in one’s investment horizon."

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Aditya Birla SL Income-G -0.34 0.27 0.70 1.13 -1.26 -0.16 2.65 6.29 6.05 7.09 7.55
VR Bond -0.10 -0.03 0.15 0.54 -0.41 0.03 2.12 3.99 5.12 6.00 6.67
Debt: Medium to Long Duration -0.46 0.24 0.66 1.16 -1.05 -0.21 2.51 5.12 4.97 6.20 6.95
Rank within category 5 11 12 23 13 5 4 3 4 4 4
Number of funds in category 21 30 30 30 30 21 17 14 14 14 14

As on 06-Jul-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Aditya Birla Sun Life Income Fund  | Invest Online
4 star
Oct-95 2.65 6.29 6.05 0.90% 1,533
ICICI Prudential Bond Fund  | Invest Now
4 star
Aug-08 2.21 6.30 6.14 1.18% 2,576
Kotak Bond Fund - Regular Plan  | Invest Online
4 star
Nov-99 1.61 5.43 5.39 1.79% 1,551
SBI Magnum Income Fund  | Invest Online
5 star
Nov-98 2.00 6.92 6.46 1.46% 1,543
Edelweiss NIFTY PSU Bond Plus SDL Apr 2026 50:50 Index Fund - Regular Plan  | Invest Online
Unrated
Mar-21 2.83 -- -- 0.33% 6,154

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 6.65 11-Dec-2008 - 18-Dec-2008 -7.47 02-Jan-2009 - 09-Jan-2009
Month 17.07 18-Nov-2008 - 18-Dec-2008 -7.37 05-Jan-2009 - 04-Feb-2009
Quarter 21.94 03-Oct-2008 - 02-Jan-2009 -9.98 20-May-2013 - 19-Aug-2013
Year 24.93 03-Jan-2008 - 02-Jan-2009 -2.93 02-Jan-2009 - 04-Jan-2010

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Aditya Birla SL Income-G 6.34 3.68 0.77 1.19 1.64 1.86
VR Bond 4.10 1.97 0.31 0.45 -- --
Debt: Medium to Long Duration 5.14 3.37 0.55 0.90 1.28 0.87
Rank within category 2 12 4 4 12 5
Number of funds in category 14 14 14 14 14 14

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 30-Jun-2022

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 58 75 45 28
Modified Duration (yrs) 2.91 4.66 2.57 3.51
Average Maturity (yrs) 4.01 6.25 2.99 4.74
Yield to Maturity (%) 7.33 7.33 5.36 7.28
Avg Credit Rating AAA -- -- --

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 5.70% National Bank Agr. Rur. Devp 22-D 31/07/2025 Debenture AAA 0.00 - 7.80 7.80
new 6.54% GOI 17/01/2032 GOI Securities SOV 0.00 - 7.35 7.35
up 8.20% GOI 24/09/2025 Central Government Loan SOV 0.00 - 5.38 5.38
equal 6.50% Power Finance Corporation 17/09/2025 Non Convertible Debenture AAA 0.00 - 4.78 4.78
up 4.45% GOI 30/10/2034 GOI Securities SOV 0.00 - 4.35 4.35
equal GOI 22/08/2027 GOI Securities SOV 0.00 - 4.06 4.06
new 7.96% Gujarat State 14/10/2025 State Development Loan SOV 0.00 - 3.65 3.65
down 5.15% GOI 2025 GOI Securities SOV 0.00 - 9.18 3.39
new 8.03% Gujarat State 16/04/2025 State Development Loan SOV 0.00 - 3.33 3.33
equal 5.23% National Bank Agr. Rur. Devp 31/01/2025 Non Convertible Debenture AAA 0.00 - 4.64 3.11
down 8.08% Uttar Pradesh State 25/02/2025 State Development Loan SOV 0.00 - 3.31 2.67
up 5.63% GOI 2026 GOI Securities SOV 0.00 - 37.56 2.48
equal 7.72% GOI 25/05/2025 Central Government Loan SOV 0.00 - 2.33 2.33
new Reserve Bank of India 182-D 08/09/2022 Treasury Bills SOV 0.00 - 1.94 1.94
equal 8.29% Tamilnadu State 29/07/2025 State Development Loan SOV 0.00 - 1.93 1.93
equal 5.80% Maharashtra State 2025 State Development Loan SOV 0.00 - 1.90 1.90
new 8.36% Maharashtra State 27/01/2026 State Development Loan SOV 0.00 - 1.68 1.68
equal 7.84% Tamilnadu State 13/07/2026 State Development Loan SOV 0.00 - 4.97 1.65
new 7.15% SIDBI 2025 Debenture AAA 0.00 - 1.63 1.63
equal 5.84% Bajaj Housing Finance 21/02/2024 Floating Rate Bond AAA 0.00 - 1.60 1.60
equal 5.77% Gujarat State 2025 State Development Loan SOV 0.00 - 1.58 1.58
down 5.22% GOI 15/06/2025 GOI Securities SOV 1.32 - 9.02 1.56
up 5.74% GOI 15/11/2026 GOI Securities SOV 0.00 - 1.96 1.47
equal 7.96% Maharashtra State 14/10/2025 State Development Loan SOV 0.00 - 1.00 1.00
equal 7.27% GOI 2026 GOI Securities SOV 0.55 - 4.89 0.98

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 30-Jun-2022

Fund Manager

— Bhupesh Bameta since 06-Aug-2020

Education: Mr. Bameta has done B.Tech (IIT Kanpur), CFA Charterholder (CFA Institute, USA)

Experience: Prior to joining Aditya Birla Sun Life Mutual Fund as an Analyst, Fixed Income. He was the Head of Research in Forex and Rates Desk at Edelweiss Securities Limited, covering global and Indian forex markets and economies. He was also associated with Quant Capital for 6 years as an Economist and was covering Indian and global economy and markets.

Funds Managed:


0.27%

Change from previous, NAV as on 06-Jul-2022

Growth: ₹ 101.6218

IDCW Quarterly: ₹ 13.0874

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IDCW: ₹ 12.4989

Discipline Advantage Plan: ₹ 25.6378


Investment Strategy

The scheme seeks to generate consistent income through superior yields on its investment at relatively moderate levels of risk through a diversified investment approach.

Investment Details

Min. Investment (₹) 1,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 1,000
Min. No of Cheques 6
Min. Withdrawal (₹) 1
Min. Balance (₹) 500
Lock-in Period Not Applicable
Exit Load 0

Basic Details

Fund House: Aditya Birla Sun Life Mutual Fund
Launch Date: 21-Oct-1995
Return Since Launch: 9.06%
Benchmark: CRISIL Medium to Long Duration Fund AIII Index
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 1,533 Cr (As on 30-Jun-2022)
Expense: 0.90% (As on 31-May-2022)
Risk Grade: Average
Return Grade: Above Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Quarterly15-Jun-20220.1684

 15-Mar-20220.1665
 15-Dec-20210.1688
 15-Sep-20210.1697
 15-Jun-20210.1660
 15-Mar-20210.1673
 15-Dec-20200.1665
 15-Sep-20200.2002
 15-Jun-20200.1916
 16-Mar-20200.1360
 16-Dec-20190.1377
 16-Sep-20190.1586
 17-Jun-20190.1609
 15-Mar-20190.1523
 17-Dec-20180.1539
 17-Sep-20180.0912
 15-Jun-20180.1038
 15-Mar-20180.1343
 15-Dec-20170.1391
 15-Sep-20170.2141
 15-Jun-20170.2073
 15-Mar-20170.2129
 15-Dec-20160.2126
 15-Sep-20160.2065
 15-Jun-20160.2040
IDCW22-Oct-20210.1580

 23-Oct-20200.6300
 25-Oct-20190.4898
 31-Oct-20180.5835
 27-Oct-20170.5273

Contact Information

AMC: Aditya Birla Sun Life AMC Ltd.

Address: One India Bulls Center - Tower 1, 17th Floor - Jupiter Mills Compound, 841 Senapati Bhawan, Elphinstone Road, Mumbai - 400013

Fax: 022-43568110

Website: http://mutualfund.adityabirlacapital.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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