Aditya Birla Sun Life Short Term Fund
Short DurationModerateOPEN-ENDED
- NAV as on 9 Nov 2026
- ₹50.91+0.09%1 day
- Return since launch
- 7.1%
- 52-week range
- ₹48.77 — ₹50.87
- AUM
- ₹5,269 Cr
Aditya Birla Sun Life Short Term Fund is a Short Duration debt fund from Aditya Birla Sun Life Mutual Fund with ₹5,269 Cr under management, launched in 2003. Over three years it has returned 6.1% a year, against 6.7% for its category. The expense ratio is 0.96% and the SEBI riskometer reading is Moderate.
Performance
Aditya Birla Sun Life Short Term Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +4.2% against +4.3% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 4.4% | +0.1 pts | 4.3% | 4.5% |
| 2Y | 5.3% | +0.2 pts | 5.1% | 5.2% |
| 3Y | 6.1% | −0.6 pts | 6.7% | 6.0% |
| 5Y | 6.4% | +0.4 pts | 6.0% | 6.3% |
| 7Y | 6.3% | +0.2 pts | 6.2% | 6.0% |
| 10Y | 6.6% | +0.3 pts | 6.2% | 6.2% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 0.6% | 0.0 pts | 0.5% | 0.5% |
| 3M | 0.4% | −0.1 pts | 0.4% | 0.4% |
| 6M | 2.7% | +0.1 pts | 2.6% | 2.7% |
| 1Y | 4.3% | 0.0 pts | 4.3% | 4.3% |
| 2Y | 6.2% | +0.2 pts | 6.0% | 6.2% |
| 3Y | 6.9% | +0.2 pts | 6.7% | 6.7% |
| 5Y | 6.2% | +0.1 pts | 6.0% | 5.8% |
| 7Y | 6.5% | +0.3 pts | 6.2% | 6.0% |
| 10Y | 6.7% | +0.4 pts | 6.2% | 6.4% |
Since launch (22 Apr 2003): 7.1%
Calendar-year returns
Category average11.1%
3.8%
4.2%
6.9%
7.9%
7.7%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 7.7% | −0.4 pts | 8.1% |
| 2024 | 7.9% | −0.4 pts | 8.3% |
| 2023 | 6.9% | −0.4 pts | 7.3% |
| 2022 | 4.2% | −0.8 pts | 5.0% |
| 2021 | 3.8% | −0.7 pts | 4.5% |
| 2020 | 11.1% | +1.3 pts | 9.8% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
0.96%
Expense ratio as on 5 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 0.81%
- Brokerage
- 0.01%
- Transaction charges
- 0.00%
- Statutory levies
- 0.14%
- Exit load
- For units in excess of 15% of the investment, 0.50% will be charged for redemption within 180 days
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- NIFTY SD Debt Index A-II
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Moderate
Your principal is treated as being at moderate risk — typically medium duration debt and conservative hybrid schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | — | — | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.66 | 0.83 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 1.13 | 1.36 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 1.51 | 1.37 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
Aditya Birla Sun Life Short Term Fund portfolio
Portfolio as of 30 Sep 2026
Asset allocation
- Debt91.5%
- Other8.5%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 10.92% | ₹651 Cr | +1.57% | +1.38% | +0.81% |
| REC Ltd. | Financial | 6.28% | ₹375 Cr | +1.00% | +0.89% | +0.57% |
| HDFC Bank Ltd. | Financial | 4.11% | ₹245 Cr | — | — | +0.69% |
| Siddhivinayak Securitisation Trust | Others | 3.68% | ₹220 Cr | +3.92% | +4.24% | +2.62% |
| Jubilant Bevco Ltd. | Consumer Staples | 3.58% | ₹214 Cr | +3.64% | +3.17% | +1.86% |
| JTPM Metal Traders Ltd. | Metals & Mining | 3.21% | ₹192 Cr | +3.29% | +4.59% | +2.69% |
| Embassy Office Parks REIT | Construction | 3.02% | ₹180 Cr | +3.13% | +2.78% | +1.71% |
| Bihar State | Others | 2.67% | ₹159 Cr | +2.79% | +2.46% | +0.01% |
| Hinduja Leyland Finance Ltd. | Financial | 2.42% | ₹144 Cr | +2.50% | +2.19% | — |
| Power Finance Corporation Ltd. | Financial | 2.01% | ₹120 Cr | +2.12% | +4.09% | +2.53% |
| Knowledge Realty Trust | Construction | 1.99% | ₹119 Cr | +2.07% | +1.83% | +1.12% |
| Cholamandalam Investment and Finance Company Ltd. | Financial | 1.93% | ₹115 Cr | +2.03% | +1.79% | +1.35% |
| National Bank For Agriculture & Rural Development | Financial | 1.92% | ₹115 Cr | +2.08% | — | +3.81% |
| Nexus Select Trust | Construction | 1.68% | ₹100 Cr | +1.73% | +1.54% | +0.23% |
| Rajgarh Transmission Ltd. | Energy | 1.61% | ₹96.17 Cr | +1.69% | — | — |
| Tata Capital Housing Finance Ltd. | Financial | 1.51% | ₹89.97 Cr | +0.87% | +0.77% | +0.47% |
| India Universal Trust AL1 | Others | 1.34% | ₹79.66 Cr | +1.41% | +1.27% | +0.80% |
| Muthoot Finance Ltd. | Financial | 1.01% | ₹60.36 Cr | +1.06% | +1.41% | +1.01% |
| Shivshakti Securitisation Trust | Others | 0.90% | ₹53.45 Cr | +0.95% | +0.85% | +0.52% |
| Small Industries Devp. Bank of India Ltd. | Financial | 0.83% | ₹49.76 Cr | +4.68% | +2.30% | +1.43% |
| Housing & Urban Development Corporation Ltd. | Financial | 0.83% | ₹49.36 Cr | +0.25% | +0.22% | +0.14% |
| National Bank For Financing Infrastructure And Development | Financial | 0.72% | ₹43.02 Cr | +1.23% | +0.38% | +0.66% |
| GOI | Sovereign | 0.69% | ₹40.90 Cr | +0.73% | +0.63% | +2.85% |
| Bharti Telecom Ltd. | Communication | 0.59% | ₹35.03 Cr | +2.12% | +4.23% | +2.63% |
| Fullerton India Home Finance Ltd. | Financial | 0.59% | ₹34.98 Cr | +0.87% | +0.77% | +0.47% |
| Indian Railway Finance Corporation Ltd. | Financial | 0.48% | ₹28.74 Cr | +0.18% | +0.15% | +3.28% |
| Uttar Pradesh State | Others | 0.42% | ₹25.13 Cr | +0.01% | +0.01% | +0.01% |
| Hinduja Housing FInance Ltd. | Financial | 0.42% | ₹25.03 Cr | +0.43% | +0.77% | +0.47% |
| National Housing Bank | Financial | 0.41% | ₹24.53 Cr | +0.44% | +0.76% | +0.47% |
| Canara Bank | Financial | 0.41% | ₹24.46 Cr | — | — | — |
| Jubilant Beverages Ltd. | Consumer Staples | 0.26% | ₹15.68 Cr | +0.27% | +0.56% | +0.82% |
| Export-Import Bank Of India | Financial | 0.26% | ₹15.48 Cr | +0.27% | +0.24% | +0.15% |
| Aditya Birla Housing Finance Ltd. | Financial | 0.25% | ₹15.00 Cr | +0.26% | +0.23% | +0.14% |
| Bajaj Finance Ltd. | Financial | 0.08% | ₹5.00 Cr | +0.09% | +1.54% | +0.95% |
| Assam State | Others | 0.08% | ₹4.94 Cr | +0.70% | +0.61% | +0.38% |
| ICICI Home Finance Company Ltd. | Financial | 0.08% | ₹4.93 Cr | +0.09% | +0.08% | +0.05% |
| Haryana State | Others | 0.05% | ₹2.82 Cr | +0.05% | +0.04% | +0.03% |
| Gujarat State | Construction | 0.04% | ₹2.55 Cr | +0.04% | +0.04% | +0.02% |
| Vedanta Ltd. | Metals & Mining | 0.03% | ₹2.02 Cr | +3.09% | +3.20% | +1.94% |
| Chhattisgarh State | Others | 0.01% | ₹0.76 Cr | +0.01% | +0.01% | +0.01% |
| Cube Highways Trust | Services | 0.00% | ₹0.20 Cr | 0.00% | 0.00% | +0.10% |
| Maharashtra State | Others | 0.00% | ₹0.02 Cr | 0.00% | — | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| REC Ltd. | 0.25% | 4.87% | +4.62% |
| HDFC Bank Ltd. | 0.00% | 4.11% | +4.11% |
| Bharti Telecom Ltd. | 1.05% | 0.42% | -0.63% |
| Assam State | 0.69% | 0.08% | -0.61% |
| company:14136 | 0.60% | 0.00% | -0.60% |
| National Bank For Financing Infrastructure And Development | 1.21% | 0.72% | -0.49% |
| Canara Bank | 0.00% | 0.41% | +0.41% |
| Uttar Pradesh State | 0.01% | 0.42% | +0.41% |
| Siddhivinayak Securitisation Trust | 3.89% | 3.68% | -0.20% |
| National Bank For Agriculture & Rural Development | 2.07% | 1.92% | -0.15% |
| Bihar State | 2.79% | 2.67% | -0.12% |
| JTPM Metal Traders Ltd. | 3.31% | 3.21% | -0.10% |
| Embassy Office Parks REIT | 3.12% | 3.02% | -0.10% |
| Jubilant Bevco Ltd. | 3.67% | 3.58% | -0.09% |
| Power Finance Corporation Ltd. | 2.09% | 2.01% | -0.08% |
| Cholamandalam Investment and Finance Company Ltd. | 2.01% | 1.93% | -0.07% |
| Rajgarh Transmission Ltd. | 1.68% | 1.61% | -0.07% |
| Hinduja Leyland Finance Ltd. | 2.49% | 2.42% | -0.07% |
| Knowledge Realty Trust | 2.06% | 1.99% | -0.07% |
| India Universal Trust AL1 | 1.39% | 1.34% | -0.06% |
| Nexus Select Trust | 1.73% | 1.68% | -0.05% |
| Shivshakti Securitisation Trust | 0.94% | 0.90% | -0.05% |
| Muthoot Finance Ltd. | 1.05% | 1.01% | -0.03% |
| GOI | 0.72% | 0.69% | -0.03% |
| Housing & Urban Development Corporation Ltd. | 0.86% | 0.83% | -0.03% |
| Fullerton India Home Finance Ltd. | 0.61% | 0.59% | -0.02% |
| National Housing Bank | 0.43% | 0.41% | -0.02% |
| Others | 0.53% | 0.52% | -0.01% |
| Tata Capital Housing Finance Ltd. | 0.43% | 0.42% | -0.01% |
| Small Industries Devp. Bank of India Ltd. | 0.43% | 0.42% | -0.01% |
| Hinduja Housing FInance Ltd. | 0.43% | 0.42% | -0.01% |
| Export-Import Bank Of India | 0.27% | 0.26% | -0.01% |
| Aditya Birla Housing Finance Ltd. | 0.26% | 0.25% | -0.01% |
| Jubilant Beverages Ltd. | 0.27% | 0.26% | -0.01% |
| Indian Railway Finance Corporation Ltd. | 0.09% | 0.08% | 0.00% |
| ICICI Home Finance Company Ltd. | 0.09% | 0.08% | 0.00% |
| Bajaj Finance Ltd. | 0.09% | 0.08% | 0.00% |
| Haryana State | 0.05% | 0.05% | 0.00% |
| Gujarat State | 0.04% | 0.04% | 0.00% |
| Vedanta Ltd. | 0.03% | 0.03% | 0.00% |
| Chhattisgarh State | 0.01% | 0.01% | 0.00% |
| Cube Highways Trust | 0.00% | 0.00% | 0.00% |
| Maharashtra State | 0.00% | 0.00% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹7,266 Cr | 0.78% | 5.1% | 6.3% | 6.6% |
 ICICI Prudential Short Term Fund | ₹18,468 Cr | 1.03% | 4.7% | 6.3% | 6.7% |
 Bandhan Short Term Fund | ₹8,628 Cr | 0.86% | 5.3% | 6.4% | 6.6% |
 Axis Short Term Fund | ₹7,395 Cr | 0.95% | 5.0% | 6.5% | 6.7% |
 Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund | ₹1,651 Cr | 0.33% | 6.0% | — | — |
 Sundaram Short Term Fund | ₹190 Cr | 0.73% | 4.7% | 6.0% | 6.3% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities.
Fund managers
- Kaustubh GuptaMr. Gupta is a B.Com and a Chartered Accountant.Prior to joining Aditya Birla Sun Life AMC he has worked with ICICI Bank.
- Mohit SharmaMr. Sharma is B Tech (IIT - Madras) and PGDCM (IIM Calcutta).Prior to joining Aditya Birla Sun Life AMC, he ran his own healthcare-tech business (June 2012 - May 2015). he has also worked as an Interest Rates Trader in Standard Chartered Bank (May 2007 - June 2011) and ICICI Bank Ltd (June 2006 - April 2007). He started his career in the Equity Research in Irevna Ltd (June 2005 - June 2006).
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
₹
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months2.68% absolute | ₹60,000 | ₹61,608 | 2.68% | |
| 1 year4.34% annualised | ₹1,20,000 | ₹1,22,859 | 2.38% | |
| 3 years6.89% annualised | ₹3,60,000 | ₹4,00,931 | 11.37% | |
| 5 years6.17% annualised | ₹6,00,000 | ₹7,04,360 | 17.39% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.
What is the NAV of Aditya Birla Sun Life Short Term Fund?
The NAV of Aditya Birla Sun Life Short Term Fund is ₹50.91 as on 9 Nov 2026.
What is the expense ratio of Aditya Birla Sun Life Short Term Fund?
The expense ratio of Aditya Birla Sun Life Short Term Fund is 0.96% per year.
What is the minimum SIP amount for Aditya Birla Sun Life Short Term Fund?
You can start a SIP in Aditya Birla Sun Life Short Term Fund with ₹3,000 a month.
What returns has Aditya Birla Sun Life Short Term Fund given?
Aditya Birla Sun Life Short Term Fund has returned 4.4% over 1 year, 6.1% over 3 years and 6.4% over 5 years (annualised).
Is there a lock-in or exit load on Aditya Birla Sun Life Short Term Fund?
Lock-in: None. Exit load: For units in excess of 15% of the investment, 0.50% will be charged for redemption within 180 days.
How risky is Aditya Birla Sun Life Short Term Fund?
Aditya Birla Sun Life Short Term Fund is rated Moderate on the SEBI riskometer and belongs to the Short Duration category.
Which fund house manages Aditya Birla Sun Life Short Term Fund?
Aditya Birla Sun Life Short Term Fund is managed by Aditya Birla Sun Life Mutual Fund, which runs 86 schemes with ₹4,46,664 Cr under management.