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  • Aditya Birla Sun Life Income Fund Inc Dist cum Cap Wdrl (RIDCW-A)

Formerly Aditya BSL Income Reg DR

Aditya Birla Sun Life Mutual Fund

Aditya Birla Sun Life Income Fund Inc Dist cum Cap Wdrl (RIDCW-A)

DebtMedium To Long Duration

12.6239

NAV (Oct 21)

8.3%
3 Year CAGR
Scripbox Opinion

Neutral

Click here for top ranked funds in medium to long duration mutual funds.

However, Scripbox does not recommend investing in medium to long duration mutual funds.

Medium to Long Duration Funds invest in debt and money market instruments such that the duration of the portfolio is between 3 to 4 years.

The tenure of the instruments held by these funds exposes them to very high degrees of variations when interest rate changes.Funds in this category tend to invest in instruments that are highly rated.This is a small category(less than 1 % of total debt fund assets).We do not recommend funds in this category since we believe that the potential incremental return is not justified by the higher interest rate risk.

Scripbox does not recommend investing in the dividend option of a fund because dividends are taxable at a higher rate than withdrawals.

Our analysis of this fundLearn how we rate funds ->

Track Record

6 Years. The fund has an Extended history for analysis and the track record is excellent.

Relative Size

3,212 Cr. Medium within the category

Impact of Interest Rate Changes

High Interest Rate Risk. The impact on fund value is high when interest rates change

Credit Quality Of Fund's Portfolio

Low Credit Risk. The fund has a high credit quality compared to other debt funds

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Short Term Money

Short Term Money

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  • graph-icon-gray
    Historical growth rate of 6.5% per annum
  • graph-icon-gray
    Recommended Duration 1 - 5 years
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    No Lock-in
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    Expert Investing Only, Car, Down Payment

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Historical NAV

12.6239

NAV (Oct 21)

Fund Returns

Last 1Y
4.9%
Last 3Y
8.3%
Last 5Y
5.7%
Last 10Y
NA
Since Inception
6.5%
6 Month CAGR
3.4%
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Scheme Information

Investment Objective

An Open-ended Income Scheme to generate consistent income through superior yields on its investments at moderate levels of risk through a diversified investment approach. This income may be complemented by price changes of instruments in the portfolio.

Low

Low to Moderate

Moderate

Moderately High

High

Very High

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Moderate Risk

Expense Ratio
0.8
Launched (6y ago)
Feb 24, 2015
AUM in Crores
3211.886
ISIN
INF209KA1WK4
Lock-in
No Lock-in
Benchmark
CRISIL Composite Bond Fund TR INR
SIP Minimum
1000
Lumpsum Min.
5000
Fund Managers
user-avatar

Bhupesh Bameta

Fund Manager

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Returns Calculator Comparison

of

for

with step up of

InstrumentReturnsTotal CorpusGainsAnnualised %
Mutual Fund70%₹ 9,65,796 ₹ 2,33,18411.25%
EPF70% ₹ 9,00,761 ₹ 1,68,1498.50%
Property70% ₹ 8,67,662 ₹ 1,35,0507.00%
PPF70% ₹ 8,69,819 ₹ 1,37,2077.10%
Bank FD70% ₹ 8,46,471 ₹ 1,13,8596.00%
Gold70% ₹ 8,46,471 ₹ 1,13,8596.00%
Savings Bank70% ₹ 8,25,950 ₹ 93,3385.00%

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully before investing. Past performance is not an indicator of future returns.

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Short Term Money

Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

  • Inflation beating returns
    Inflation beating returns
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comparison

Comparison with Debt Funds

Fund NameScripbox OpinionFund SizeTrack Record

Kotak Savings Fund (G)

recommended-badge

₹ 13,509 cr

5

recommended-badge

₹ 33,192 cr

5

recommended-badge

₹ 11,590 cr

5

recommended-badge

₹ 33,722 cr

5

recommended-badge

₹ 22,849 cr

5

amc-icon

About the AMC

Aditya Birla Sun Life AMC Ltd

Aditya Birla Sun Life AMC Ltd manages assets worth 313,741 crores and was set up on 5 September 1994. It's current offering of mutual fund schemes includes 83 equity,329 debt and 19 hybrid funds.

amc-img

  • tel-amc-about
    022-43568000
  • mail-amc-about
    care.mutualfunds@adityabirlacapital.com
  • Fund NameScripbox Opinion
    Till Date CAGR
    recommended-badge

    21%

    15.1%

    recommended-badge

    5%

    7.1%

    top-ranked-badge

    5%

    6.9%

    top-ranked-badge

    5%

    7.2%

    top-ranked-badge

    5%

    6.8%

    growth

    Short Term Money

    Invest in a scientifically curated set of debt mutual funds which are best aligned towards achieving any short term objectives you may have.

    • graph-icon-gray
      Historical growth rate of 6.5% per annum
    • graph-icon-gray
      Recommended Duration 1 - 5 years
    • graph-icon-gray
      No Lock-in
    • graph-icon-gray
      Expert Investing Only, Car, Down Payment
    • graph-icon-gray
      One-click investing and tracking
    • graph-icon-gray
      Zero fees for all your investments
    Kotak Savings Fund (Growth)

    Kotak Savings Fund (Growth)

    Debt

    Ultra Short

    ICICI Prudential Savings Fund (Growth)

    ICICI Prudential Savings Fund (Growth)

    Debt

    Low Duration

    Tata Liquid Fund (Growth)

    Tata Liquid Fund (Growth)

    Debt

    Liquid

    How does Scripbox rate funds?

    Proprietary 4-step system to rate mutual funds

    We use a proprietary system to rate mutual funds and based on that make a recommendation or rate the fund as top ranked.

    What Scripbox recommendations mean?
    Scripbox algorithm recommends 2-4 funds for investment for an investment asset class such as large cap, diversified, liquid etc. When you invest for an objective, the algorithm suggests the appropriate asset class and funds.
    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Fund Size

    Fund Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Sub-asset Class View

    Sub-asset Class View

    We check if the sub-category of the fund is recommended by us.

    Fund Performance

    Fund Performance

    Consistency of performance over various tenures is analysed for a relative performance stack.

    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Fund Size

    Fund Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Impact of Interest Rates

    Impact of Interest Rates

    We check the relative interest rate risk of the sub-category of the fund. Lower the better.

    Credit Attractiveness

    Credit Attractiveness

    We check the credit quality of the underlying instruments present in the fund. Higher the better.

    Equity Funds

    Debt Funds

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    TRUST

    1. 4100+Crores
    2. 2500+Cities
    3. 7200+Customers
    We manage to deliver better strategies to people who trust us.

    We thrive on trust. You don’t need to just take our word for it! Get started with your wealth creation without worry.

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    Investing has helped me dream bigger for my life
    Dr. Shraddha BahirwaniSr. Dental Consultant

    About Aditya Birla Sun Life Income Fund Inc Dist cum Cap Wdrl (RIDCW-A)

    About Aditya Birla Sun Life Income Fund Inc Dist cum Cap Wdrl (RIDCW-A)

    Aditya Birla Sun Life Income Fund Inc Dist cum Cap Wdrl (RIDCW-A) is a Medium To Long Duration Debt fund and has delivered an annualised return of 6.5% over a period of 6 years. The fund was previously known as Aditya BSL Income Reg DR . The fund is managed by Aditya Birla Sun Life AMC Ltd. The fund manager’s name is Bhupesh Bameta

    Aditya Birla Sun Life Income Fund Inc Dist cum Cap Wdrl (RIDCW-A) Investment Objective

    An Open-ended Income Scheme to generate consistent income through superior yields on its investments at moderate levels of risk through a diversified investment approach. This income may be complemented by price changes of instruments in the portfolio. . However, there is no assurance that the objective of the scheme will be realized.

    Aditya Birla Sun Life Income Fund Inc Dist cum Cap Wdrl (RIDCW-A) NAV,AUM,Risk

    The Aditya Birla Sun Life Income Fund Inc Dist cum Cap Wdrl (RIDCW-A) fund was launched on Feb 24, 2015. The NAV (Net Asset Value) of this Medium To Long Duration Debt fund as of 2021-10-21 is ₹12.62. The total AUM (Asset Under Management) of the fund as of 22/10/2021 is ₹3211.886. The category risk of the Aditya Birla Sun Life Income Fund Inc Dist cum Cap Wdrl (RIDCW-A) fund is Moderate Risk. The fund charges 0.8 % as expense ratio.

    Aditya Birla Sun Life Income Fund Inc Dist cum Cap Wdrl (RIDCW-A) Holdings

    The fund’s highest allocation is towards Debt and has invested 81.1% in this asset class. The top three holdings of the fund are , 5.63% govt stock 2026 , reverse repo , 5.22% goi 2025 , net receivables / (payables) , food corporation of india , 6.79% govt stock 2027 , 7.59% govt stock 2026 , power finance corporation ltd. , 7.56% up sdl 2027 , clearing corporation of india limited , 6.10% govt stock 2031 , indian railway finance corporation limited , 7.18% tn sdl 2027 , 8.28% govt stock 2027 , housing development finance corporation limited , 06.72 tn sdl 2027 , power finance corporation limited , 7.61% tn sdl 2027 , housing and urban development corporation limited (hudco) , rural electrification corporation limited , 7.20% mh sdl 2027 , 7.65% tn sdl 2027 , l&t infrastructure finance company limited , 7.52% up sdl 2027 , 7.27% govt stock 2026 , 8.21% tamil nadu sdl 2025 , lic housing finance limited , 7.62% tn sdl 2027 , 07.15 ka sdl 2028 , 7.20% tn sdl 2027 , 7.20% ka sdl 2027 , 7.17% up sdl 2027 , mangalore refinery & petrochemicals limited , 7.17% gj sdl 2027 , power finance corporation limited , 06.28 gj sdl 2027 , rec limited , national highways authority of india , power finance corporation limited , nhpc limited (national hydroelectric power corporation limited) , power grid corporation of india limited , lic housing finance limited , lic housing finance limited , larsen and toubro limited , 7.20% up sdl 2027 , national highways authority of india , 07.05 ts sdl 2027 , 05.95 tn sdl 2025 , 06.63 gj sdl 2029 , nhpc limited (national hydroelectric power corporation limited) , national bank for agriculture and rural development , housing and urban development corporation limited , power grid corporation of india limited , 7.77% kl sdl 2027 , 7.74% tn sdl 2027 , power finance corporation limited , 7.68% mp sdl spl 2023 , 06.98 mh sdl 2028 , 8.79% govt stock 2021

    Aditya Birla Sun Life Income Fund Inc Dist cum Cap Wdrl (RIDCW-A) Sip

    The minimum SIP (Systematic Investment Plan) amount for this is ₹1000 and you can increase this in multiples of ₹ 100. In case you want to invest a lump sum, the minimum amount to be invested is ₹ 5000.

    Aditya Birla Sun Life Income Fund Inc Dist cum Cap Wdrl (RIDCW-A) Investment volatility and Horizon

    This fund is suited for investors looking to invest for 1-4 years. The asset class is less volatile than equity and the fund is likely to provide stable but slow growth. The fund is benchmarked to CRISIL Composite Bond Fund TR INR.

    Aditya Birla Sun Life Income Fund Inc Dist cum Cap Wdrl (RIDCW-A) Review

    Aditya Birla Sun Life Income Fund Inc Dist cum Cap Wdrl (RIDCW-A) has a score of 2 on a scale of 5. The fund has a score of 5 out of 5 based on historical performance. As compared to the other funds in its category, Aditya Birla Sun Life Income Fund Inc Dist cum Cap Wdrl (RIDCW-A) has a score of 3out of 5 The credit risk of the fund is 4 out of 5 as compared to other debt funds.

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