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Aditya Birla Sun Life Bal Bhavishya Yojna - Wealth Plan - Regular Plan


1 Lakh

Investment Grown to
₹ 1.11 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.27 Lakh

Analyst's Choice?

Suitability:

When you invest for five years or above, you can expect gains that comfortably beat the inflation rate and are also higher than fixed income options. But be prepared for ups and downs in your investment value along the way.

This is a multi cap fund where the fund management team has complete freedom to invest in companies of different sizes, depending upon where it expects maximum gains. This versatility makes multi cap funds most suitable for equity fund investors as the job of stock selection is completely left to the fund manager, which is the very idea of investing in a mutual fund.

Like all equity funds, you must invest only through the SIP route. Click here to read a primer on SIP investing.

Warning: Do not invest in this, or any other multi cap fund, if you need to redeem your investment in less than five years.

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 1 year from the date of investment, gains upto Rs 1 lakh in a financial year are exempt from tax. Gains over Rs 1 lakh are taxed at the rate of 10%.
  • If the mutual fund units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 15%.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends paid by the mutual fund scheme are taxed at the rate of 10% (effectively 11.648%, including surcharge and cess). This is known as Dividend Distribution Tax (DDT). Though the investor does not pay this tax directly, it is deducted from the dividend income before passing on to the investor.

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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
Fund 2.24 -0.09 -1.88 1.01 2.81 13.56 10.58 -- -- -- --
S&P BSE 500 TRI* -1.15 -2.01 -1.35 -3.30 0.86 11.31 10.62 -- -- -- --
Equity: Multi Cap* 0.70 -1.74 -0.83 -1.89 2.51 13.50 13.52 -- -- -- --

As on 20-Feb-2020

* As on 24-Feb-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 6.00 (19-Sep-2019 - 26-Sep-2019) -3.64 (03-Jul-2019 - 10-Jul-2019)
Month 9.37 (23-Aug-2019 - 23-Sep-2019) -7.77 (02-Jul-2019 - 01-Aug-2019)
Quarter 12.80 (22-Aug-2019 - 21-Nov-2019) -10.11 (04-Jun-2019 - 03-Sep-2019)
Year 12.02 (13-Feb-2019 - 13-Feb-2020) 10.06 (15-Feb-2019 - 17-Feb-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund -- -- -- -- -- --
S&P BSE 500 TRI* 11.88 12.82 0.48 0.72 -- --
Equity: Multi Cap* 10.89 13.09 0.40 0.57 0.94 -0.62

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

As on

* As on 31-Jan-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 42
Top 10 Stocks (%) 57.23
Top 5 Stocks (%) 36.44
Top 3 Sectors (%) 53.12
Portfolio P/B Ratio 3.28
Portfolio P/E Ratio 33.09

Portfolio Aggregates

Fund Category
Average Mkt Cap (Rs Cr) 56,060 94,528
Giant (%) 36.84 52.45
Large (%) 8.29 14.99
Mid (%) 43.16 24.99
Small (%) 11.71 9.29
Tiny (%) -- 0.39

Value Research Fund Style

Sector Allocation vis-à-vis Category

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Top Holdings

Company Sector P/E 3Y High 3Y Low % Assets
up Reliance Industries Energy 21.12 9.11 7.53 8.21
up HDFC Financial 18.18 8.18 5.01 8.18
equal Honeywell Automation Engineering 65.24 9.18 6.49 7.50
up Pfizer Healthcare 36.91 7.07 4.69 6.89
up Glaxosmithkline Pharma Healthcare 287.45 5.66 3.62 5.66
equal Gillette FMCG 71.76 7.27 5.17 5.17
up Bayer CropScience Healthcare 69.91 5.89 4.12 4.98
up Larsen & Toubro Construction 18.10 4.37 3.37 3.95
equal Kotak Mahindra Bank Financial 36.78 4.62 3.46 3.69
up Johnson Controls - Hitachi Air Conditioning India Cons Durable 63.98 3.00 2.15 3.00
equal Shree Cement Construction 64.13 2.73 1.37 2.71
equal Kansai Nerolac Paints Chemicals 50.57 2.86 1.37 2.59
equal HDFC Bank Financial 25.23 2.90 1.77 2.47
equal IDFC First Bank Financial -- 2.99 2.37 2.37
up Quess Corp Financial 30.19 2.19 0.00 2.19
up Sundaram-Clayton Automobile 9.81 3.08 1.66 1.94
equal Biocon Healthcare 44.96 2.43 1.41 1.94
equal Shopper's Stop Services -- 3.03 1.79 1.89
equal Tata Consultancy Services Technology 24.50 2.04 0.89 1.86
equal ICICI Bank Financial 36.13 1.77 1.27 1.45
equal Bata India FMCG 59.63 1.60 1.21 1.45
up ICRA Financial 32.62 1.55 0.77 1.28
equal MRF Automobile 28.16 1.42 1.02 1.16
up Thomas Cook (India) Services 46.26 4.58 1.02 1.10
equal Axis Bank Financial 42.77 1.28 1.03 1.10

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 31-Jan-2020

Fund Manager

— Ajay Garg since 22-Jan-2019

Education: Mr. Garg is B.E (Electronics) and MBA (Finance).

Experience: Prior to joining Birla Sun Life AMC in 2003 he has worked with Birla Sun Life Securities Ltd.

Funds Managed:

— Pranay Sinha since 22-Jan-2019

Education: Mr. Sinha has done B.Tech in Aerospace Engg. from IIT Kharagpur and PGDM with Major in Finance from IIM Calcutta.

Experience: Prior to joining BSLAMC , he has worked with BNP Paribas Bank (October 2010 - August,2014) , Morgan Stanley Investment Management Pvt. Ltd. (March 2008 - October 2010) and ICICI Prudential Asset Management Co. Ltd. ( October 2005 - March 2008).

Funds Managed:


-0.09%

Change from previous, NAV as on 20-Feb-2020

Growth: ₹ 10.9700

Dividend: ₹ 10.9800


Investment Strategy

The scheme seeks generation of capital appreciation by creating a portfolio that is predominantly investing in equity & equity related securities and debt and money market instruments.

Investment Details

Minimum Investment (₹) 1,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 6
Minimum Withdrawal (₹) --
Minimum Balance (₹) --
Exit Load 0

Basic Details

Fund House: Aditya Birla Sun Life Mutual Fund
Launch Date: 11-Feb-2019
Return Since Launch: 9.46%
Benchmark: S&P BSE 200 TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 230 Cr (As on 31-Jan-2020)
Expense: 2.60% (As on 31-Jan-2020)
Risk Grade: --
Return Grade: --
Turnover: 2.00%

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

Phone: 022-43568000 / 1800-270-7000 / 1800-22-7000

Fax: 022-43568110

Website: 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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Investors' Hangout

Time to bet big on mid- and small-cap funds?

dateFriday, 28-Feb-2020
time12:30 PM - 01:00 PM