Aditya Birla Sun Life AMC Limited

ABSL Low Duration Fund

Debt Low Duration Fund

An open ended low duration debt scheme investing in instruments such that Macaulay duration of the portfolio is between 6 months and 12 months

AUM (In crores)

NAV

Annualized Returns %

Annualized

Returns %

1 Year

3 Year

5 Year

Since Inception

Aditya Birla Sun Life Low Duration Fund

SIP Amount
Min . ₹ 100

Lumpsum Amount
Min. ₹ 100

Aditya Birla Sun Life Low Duration Fund Overview

Aditya Birla Sun Life Low Duration Fund an open-ended low duration debt scheme investing in instruments such that Macaulay duration of the portfolio is between 6 months and 12 months. A relatively high interest rate risk and moderate credit risk.

Investment Objective

The objective of the scheme is to provide income which is consistent with a portfolio through investments in a basket of debt and money market instruments of short maturities with a view to provide reasonable returns.

Why one can invest:

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    If you are looking for a suitable avenue to invest your short-term surplus funds ( 3 months to 12 months)

  • If you are looking for reasonable returns over the short term

  • If you are looking for good liquidity as well as safety of your capital through investment in high quality debt and money market securities

  • If you are also looking for to have a diversified portfolio of G-secs, corporate bonds and money market instruments even with low minimum investments as little as Rs.100

Fund Details

CAGR

Latest NAV

(as on )

AUM

()

Inception Date

()

Risk

Investment Horizon

3 months to 12 months

Annualized Benchmark Returns

Min Investment

Entry load

NIL

Exit load

NIL

Total Expense Ratio (TER)

Sharp Ratio

Beta Ratio

Other Parameters

Standard Deviation

Modified Duration

-

Yield to Maturity

-

Portfolio Turnover:

-

Average Maturity

-

Macaulay Duration

-

Net Equity Exposure

-

Fund Managers

Mr. Kaustubh Gupta

Kaustubh Gupta is the Co-Head of Fi...
Read More

Mohit Sharma - Fund Manager

Mr. Mohit Sharma

Mohit Sharma is a Senior Fund Manag...
Read More


Riskometer

(An open ended low duration debt scheme investing in instruments such that Macaulay duration of the portfolio is between 6 months and 12 months)

This product is suitable for investors who are seeking

  • Reasonable returns with convenience of liquidity over short term

  • Investment in a basket of debt and money market instruments of short maturities

*Investors should consult their financial advisers if in doubt whether the product is suitable for them

Fund Summary

- We may at times find ourselves in receipt of surplus funds – could be a salary bonus or windfall gain from your business etc.

- The application for these funds though may arise after some time. Say for example you are planning an international vacation after 6 months

. - While we tend to keep such funds in our savings accounts, there are other investment options as well which seek to offer liquidity and safety of capital & have the potential for better returns over the short term.

- One such option is a low duration fund. These funds invest in high quality debt and money market instruments of low duration (up to 12 months). These offer high liquidity and relative safety of capital while offering superior yields.

- Aditya Birla Sun Life Low Duration Fund is one such open-ended debt fund. It invests predominantly in high quality debt instruments (these can be G-secs and bonds) of duration between 6 to 12 months. This scheme identifies securities that offer better yields yet at lower levels of risk.

- The fund is suited for a short-term investing period (typically 3 months to 12 months) Learn more about Short term funds

Fund discipline

- The Scheme aims to allocate up to 80% of its net assets to debt and money market instruments such that the Macaulay duration of the portfolio will be between 6 months – 12 months

- The Scheme will also invest 20-100% of its net assets in money market instruments including Tri-party Repo on G-secs or treasury bills & repo.

- The fund manager aims to identify securities, which offer superior levels of yield at lower levels of risks.

- Liquidity will also be an important criterion and a reasonable proportion of the investment will be made in relatively liquid investments.

- Additionally, macro-economic conditions are also studied to predict likely direction interest rates so as to position the portfolio accordingly.

Value Added Products

- Systematic Transfer Plan (STP) investing allows investors to periodically transfer a pre-decided investment amount from this fund into any other open ended fund of Aditya Birla Sun Life

- STP facility is available on daily, weekly, monthly or quarterly basis

- Systematic Withdrawal Plan (SWP) investing allows investors to provide standing instructions for periodic withdrawal of specified amounts from investment in the fund.

- The withdrawal can be ‘fixed withdrawal’ which specifies a fixed amount, or ‘appreciation withdrawal’ which provides for withdrawal of capital appreciation at periodic intervals

- From daily to annual withdrawals, several period withdrawal options are available to investors

- Systematic Investment Plan (SIP) investing allows investors to invest pre-determined sums of money regularly and at periodic intervals (monthly or weekly) in the fund

- Potential to give investors benefit of compounding over the long term. Furthermore, through rupee cost averaging helps better manage market volatility

- SIP facility is augmented by several add ons such as Step-up SIPs, Pause SIP, Multi Scheme SIPs, Century SIP etc.

Tax Applicability

For any investments after March 31, 2023, and redeemed anytime after April 1, 2025, irrespective of holding period the same will be taxed at slab rate
For any investments purchased prior to April 1, 2023 & redeemed anytime after April 1, 2025
- Investments held upto 24 months will be classified under Short term capital gains with applicable tax rates at income slab rate
- Investments held for more than 24 months will be classified under Long term Capital Gains with applicable tax rates at 12.5% without indexation benefits

The above rates are exclusive of surcharge and cess. Request you to take advice of tax/legal/accounting/financial/other professionals prior to taking any decision, acting or omitting to act

Forms & Downloads

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Frequently Asked Questions

There are two ways in which you can invest in this debt fund:

o Via Direct Plan – under this plan you can purchase units of the fund directly from the fund house i.e.: Aditya Birla Sun Life Mutual Fund
o Via Regular Plan – under this plan you can invest through a mutual fund distributor or broker of your choice

The other key difference between both these plans is that they charge different expense ratios.

Currently the regular plan has an expense ratio of ____%, whereas the direct plan charges a lower expense ratio of ____%.
Choosing a direct plan over regular plan, means your investments will be subject to a lower expense ratio which translates into better returns on your investment.

When you have invested via a direct plan, redemption of your investment can be easily done online. All you need to do is login with your credentials on the app or webpage of Aditya Birla Sun Life Mutual Fund, choose the option of redemption and feed in the specified amount or number of units you wish to redeem.

Yes, the Aditya Birla Sun Life Low Duration Fund offers both SIP and lumpsum investing options to investors. Which option you choose depends on several criteria including your investing objective, risk appetite, investing term and affordability. This fund can also be suitable for STP investing, when investors want to re-balance their portfolio from equity to debt

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