Aditya Birla Sun Life Income Fund Regular-IDCW Qua...
(Scheme Rating)
NAV as of Aug 29, 2024
13.360.00%
- IDCW Quarterly - Regular
(Earn upto 0.40% Extra Returns with Direct Plan)
Fund Category:
Debt: Medium to Long Duration
Expense Ratio:
1.09%(1.32% Category
average)Fund Size:
Rs. 1,921.63 Cr(17.16% of Investment in Category)
- Invest in MFADD TO PORTFOLIO
Aditya Birla Sun Life Income Fund Regular-IDCW Quarterly
(Scheme Rating)
NAV as of Aug 29, 2024
13.360.00%
Expense Ratio:
1.09%
Fund Size:
Rs. 1,921.63 Cr
Fund Category:
Debt: Medium to Long Duration
1. Current NAV: The Current Net Asset Value of the Aditya Birla Sun Life Income Fund - Regular Plan as of Aug 29, 2024 is Rs 13.36 for IDCW Quarterly option of its Regular plan.
2. Returns: Its trailing returns over different time periods are: 7.83% (1yr), 5.47% (3yr), 6.48% (5yr) and 8.92% (since launch). Whereas, Category returns for the same time duration are: 7.9% (1yr), 5.55% (3yr) and 5.8% (5yr).
3. Fund Size: The Aditya Birla Sun Life Income Fund - Regular Plan currently holds Assets under Management worth of Rs 1921.63 crore as on Jul 31, 2024.
4. Expense ratio: The expense ratio of the fund is 1.09% for Regular plan as on Aug 12, 2024.
5. Exit Load: The given fund doesn't attract any Exit Load.
6. Minimum Investment: Minimum investment required is Rs 5000 and minimum additional investment is Rs 1000. Minimum SIP investment is Rs 1000.
Aditya Birla Sun Life Income Fund Regular-IDCW Quarterly Returns
Trailing Returns
Rolling Returns
Discrete Period
SIP Returns
1M 3M 6M 1Y 3Y 5Y Annualized Returns 0.82 2.56 4.23 7.80 5.46 6.50 Category Avg 0.79 2.45 4.15 7.87 5.55 5.80 Rank within Category 5 3 4 7 6 4 No. of funds within Category 13 13 13 13 13 13 - Loading...
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Return Comparison
- This Fund
- BenchmarkUTI Medium to Long Duration Reg-IDCWQ
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Aditya Birla Sun Life Income Fund Regular-IDCW Quarterly Fund Details
Investment Objective - The scheme seeks to generate consistent income through superior yields on its investment at relatively moderate levels of risk through a diversified investment approach.
Fund House | Aditya Birla Sun Life Mutual Fund |
Launch Date | Oct 21, 1995 |
Benchmark | CRISIL Medium to Long Duration Debt A-III Index |
Return Since Launch | 8.92% |
Riskometer | Moderate |
Type | Open-ended |
Risk Grade | Average |
Return Grade | Average |
Aditya Birla Sun Life Income Fund Regular-IDCW Quarterly Investment Details
Minimum Investment (Rs.) | 5,000.00 |
Minimum Additional Investment (Rs.) | 1,000.00 |
Minimum SIP Investment (Rs.) | 1,000.00 |
Minimum Withdrawal (Rs.) | 1.00 |
Exit Load | 0% |
Portfolio Allocation
Portfolio Aggregates
Fund | 1Y High | 1Y Low | Category | |
---|---|---|---|---|
Modified Duration(Yrs) | 6.63 | 6.8938 | 3.99 | 6.2532 |
Average Maturity(Yrs) | 12.22 | 14.2981 | 5.9392 | 10.6655 |
Yield to Maturity(%) | 7.34 | 8.04 | 6.95 | 7.255 |
Avg Credit Rating | High | - | - | - |
Style Box
Investment / Portfolio Grades
Security Type | Weight(%) | Category Avg(%) |
---|---|---|
Government Backed | 69.49 | 77.10 |
Low Risk | 26.51 | 16.16 |
Moderate Risk | - | - |
High Risk | - | - |
Very High Risk | - | - |
Others | 4.00 | 6.43 |
Type of Holdings
Security Type | Weight(%) | Category Avg(%) |
---|---|---|
GOI | 57.00 | 68.53 |
CD | - | 1.87 |
T-Bills | - | 0.19 |
CP | - | - |
NCD & Bonds | 22.85 | 13.97 |
PTC | - | - |
Cash & Others | 19.64 | 15.40 |
Debt Holding In Portfolio
Instrument | Type | Sector | Rating | Value(Mn) | Total Holding(%) | Quantity |
---|---|---|---|---|---|---|
GOI | Long-term Debt | Sovereign | SOV | 3,458.64 | 18.00 | - |
GOI | Long-term Debt | Sovereign | SOV | 3,283.04 | 17.08 | - |
GOI | Long-term Debt | Sovereign | SOV | 2,662.25 | 13.85 | - |
8.47% LIC Housing Finance Ltd 10/06/2026 | Long-term Debt | Financial | AAA | 606.08 | 3.15 | 600 |
Small Industries Devp Bank of India Ltd | Long-term Debt | Financial | AAA | 597.77 | 3.11 | - |
GOI | Long-term Debt | Sovereign | SOV | 571.89 | 2.98 | - |
Small Industries Devp Bank of India Ltd | Long-term Debt | Financial | AAA | 528.54 | 2.75 | - |
LIC Housing Finance Ltd | Long-term Debt | Financial | AAA | 484.92 | 2.52 | - |
Uttar Pradesh State | Long-term Debt | Others | SOV | 255.58 | 1.33 | - |
GOI | Long-term Debt | Sovereign | SOV | 254.58 | 1.32 | - |
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Peer Comparison
Cumulative Returns
SIP returns
Discrete Returns
Quant Measures
Asset Allocation
Scheme Name NAV(Rs./Unit) Scheme Rating AUM(Rs. Cr) 1M 1Y 3Y 5Y Aditya Birla Sun Life Income Fund Regular-IDCW Quarterly 13.36 1,921.63 0.87 7.73 5.41 6.49 UTI Medium to Long Duration Fund Regular Plan-IDCW Quarterly 17.65 301.09 0.88 7.46 10.21 6.32 ICICI Prudential Bond Fund-IDCW Quarterly 11.36 2,959.73 0.84 8.28 5.87 6.72 SBI Magnum Income Fund-IDCW Quarterly 18.66 1,781.39 0.76 7.69 5.59 6.99 HDFC Income Fund-IDCW Quarterly 11.37 843.81 0.95 8.46 4.79 5.35
Risk Ratios
Ratios are calculated using the calendar month returns for the last 3 years
Standard Deviation
Standard Deviation
Standard deviation is the deviation of the fund's return around mean.
Low Volatality
2.15VS2.40Fund Vs Category Avg
Beta
Beta
Beta shows the portfolio risk in relation to the market. A beta of less than 1 means that the fund returns are less volatile compared to the broader market. A beta of more than 1 means that the fund returns are more volatile than the broader markets. A beta equal to 1 means that fund's volatility is in line with the broader market.
High Volatality
1.18VS1.09Fund Vs Category Avg
Sharpe Ratio
Sharpe Ratio
Sharpe ratio is a risk adjusted performance measure. A fund with a higher Sharpe ratio is considered better than a fund with a lower Sharpe ratio.
Better risk-adjusted returns
-0.09VS-0.14Fund Vs Category Avg
Treynor's Ratio
Treynor's Ratio
Treynor is a risk adjusted performance measure. A fund with a higher Treynor ratio is considered better than a fund with a lower Treynor ratio.
Poor risk-adjusted returns
-0.16VS0.75Fund Vs Category Avg
Jensen's Alpha
Jensen's Alpha
Alpha shows the ability of the fund manager to outperform the market. A higher Alpha is preferred.
Poor risk-adjusted returns
-0.50VS-0.45Fund Vs Category Avg
Mean Return
Mean Return
Average return generated by the fund during a specified period.
Poor average monthly returns
5.35VS5.38Fund Vs Category Avg
Risk Ratio Chart
- Risk Ratio
- Category Average
Aditya Birla Sun Life Mutual Fund News
Fund Manager
- B.B.Bhupesh BametaSince Aug 20203 schemes
Mr. Bameta has done B.Tech (IIT Kanpur), CFA Charterholder (CFA Institute, USA) 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.
Scheme Name Category Nav(Rs./Unit) Scheme Rating Asset(Rs. Cr) 1Y Aditya Birla Sun Life Dynamic Bond Regular Fund-IDCW Quarterly Dynamic Bond 10.70 1,703.02 8.33 Aditya Birla Sun Life Government Securities Fund Regular-IDCW Quarterly Gilt 11.42 1,865.69 9.33 Aditya Birla Sun Life Dynamic Bond Fund - Segregated Portfolio 1 Regular - IDCW Quarterly Dynamic Bond 0.18 Unrated 50.13 -
More Aditya Birla Sun Life Mutual Fund
Scheme Name | Rating | Asset Size(Cr) | 1M | 3M | 6M | 1Y | 3Y |
---|---|---|---|---|---|---|---|
Aditya Birla Sun Life Liquid Fund Retail- Growth | 43,962.04 | 0.59 | 1.82 | 3.55 | 7.23 | 5.32 | |
Aditya Birla Sun Life Liquid Fund Regular-Growth | 43,962.04 | 0.59 | 1.82 | 3.55 | 7.23 | 5.32 | |
Aditya Birla Sun Life Frontline Equity Fund Regular-Growth | 26,479.89 | 2.81 | 7.46 | 12.58 | 33.08 | 15.77 | |
Aditya Birla Sun Life Corporate Bond Fund Regular-Growth | 21,535.48 | 0.87 | 2.50 | 3.94 | 8.13 | 5.94 | |
Aditya Birla Sun Life Flexi Cap Fund Regular-Growth | 19,767.00 | 1.62 | 7.81 | 12.72 | 36.06 | 15.67 | |
Aditya Birla Sun Life Money Manager Fund Ret-Growth | 19,231.21 | 0.74 | 1.92 | 3.67 | 7.71 | 5.67 | |
Aditya Birla Sun Life Money Manager Fund Regular-Growth | 19,231.21 | 0.74 | 1.92 | 3.67 | 7.71 | 5.67 | |
Aditya Birla Sun Life ELSS Tax Saver Regular-Growth | 15,006.22 | 1.53 | 6.92 | 10.88 | 30.95 | 8.29 | |
Aditya Birla Sun Life Savings Retail-Growth | 12,705.36 | 0.63 | 1.83 | 3.50 | 7.39 | 5.60 | |
Aditya Birla Sun Life Savings Regular-Growth | 12,705.36 | 0.63 | 1.83 | 3.50 | 7.39 | 5.60 |
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1. Aditya Birla Sun Life Income Fund - Regular Plan is Open-ended Medium to Long Duration Debt scheme which belongs to Aditya Birla Sun Life Mutual Fund House.
2. The fund was launched on Oct 21, 1995.
Investment objective & Benchmark
1. The investment objective of the fund is that " The scheme seeks to generate consistent income through superior yields on its investment at relatively moderate levels of risk through a diversified investment approach. "
2. It is benchmarked against CRISIL Medium to Long Duration Debt A-III Index.
Asset Allocation & Portfolio Composition
1. The portfolio allocation of debt securities primarily have 2 kinds of risks: interest rate risk & credit risk. While the interest rate movements are driven by the fund's duration, credit quality of debt securities are based on the weighted average credit ratings of a fund. Generally, funds with high credit quality will have the weighted average credit rating of AA- and higher rated securities, funds with medium credit quality will hold securities having credit rating lying between A- to BBB- and funds with low credit quality will hold securities having average credit rating of less than BBB-. Credit rating is a qualitative tool that basically assesses the creditworthiness and financial soundness of a company and takes into consideration several factors including the default rate and solvency of the concerned business entity.
2. The portfolio of the fund has securities with varying levels of maturities. Duration takes into consideration the sensitivity of the average maturity of these securities with respect to the interest rate changes. The Average Maturity of Aditya Birla Sun Life Income Fund - Regular Plan is 12.22 years and Duration is 6.63 years. Generally, securities with high maturity are more sensitive to interest rate changes. So, an investor with a low risk appetite may look to invest in a fund with low maturity and duration vis-a-vis category levels.
3. All these parameters - average maturity, duration, interest rate changes, credit quality, credit rating, liquidity etc. need to be looked at in conjunction with each other to determine the quality of portfolio of a fund.
Tax Implications on Aditya Birla Sun Life Income Fund Regular-IDCW Quarterly
Capital Gains Tax Implications:
If the investment is made after Apr 1, 2023:
1. The entire amount of gain will be added to the investor's income (irrespective of the period of investment) and will be taxed as per his/her applicable slab rate.
If the investment is made before Apr 1, 2023:
1. If units are redeemed within 3 years of investment, the whole gain will be added to the investor's income and taxed as per his/her applicable slab rate.
2. For units redeemed after 3 years of investment, gains will be taxed at a rate of 20% post-indexation benefits. Indexation is a process of recalculating the purchase price after accounting for inflation into it. The benefit of indexation lies in lowering one's capital gains which brings down the taxable income and thereby reduces taxes on it.
Dividend Tax Implications:
1. For Dividend Distribution Tax, the dividend income from this fund will get added to an investor’s income and taxed according to his/her respective tax slabs.
2. Also, for dividend income more than Rs 5,000 in a financial year; the fund house shall deduct a TDS of 10% on such income.
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FAQs about Aditya Birla Sun Life Income Fund Regular-IDCW Quarterly
- Is it safe to invest in Aditya Birla Sun Life Income Fund - Regular Plan?As per SEBI’s latest guidelines to calculate risk grades, investment in the Aditya Birla Sun Life Income Fund - Regular Plan comes under Moderate risk category.
- What is the category of Aditya Birla Sun Life Income Fund - Regular Plan?Aditya Birla Sun Life Income Fund - Regular Plan belongs to the Debt : Medium to Long Duration category of funds.
- How Long should I Invest in Aditya Birla Sun Life Income Fund - Regular Plan?The suggested investment horizon of investing into Aditya Birla Sun Life Income Fund - Regular Plan is >5 years. The suggested investment horizon is the minimum time required for holding investments in the fund to reduce its downside risk and ensure that the returns become more predictable.
- Who manages the Aditya Birla Sun Life Income Fund - Regular Plan?The Aditya Birla Sun Life Income Fund - Regular Plan is managed by Bhupesh Bameta (Since Aug 06, 2020).
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