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InvestVerdict

Aditya Birla Sun Life Floating Interest Rates Fund

Direct Plan · GROWTH · Mutual fund · Scheme code 122646

NAV₹386.1951as on 27 Oct 2026
Fund houseAditya Birla Sun Life Mutual Fund
CategoryMutual fund
Plan & optionDirect · GROWTH
History13.2 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme 0.392.043.03 6.177.466.73 6.837.217.81

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 0.8% 1.27 2.47 — — -1.8% —

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the — months this scheme and its benchmark share.

Growth of ₹100 since launch

861522182842014201620182020202220242026InvestVerdict

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
2,962 3.6% 8.1% 10.8% 0%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

InvestVerdict

Aditya Birla Sun Life Floating Interest Rates Fund

Direct Plan · GROWTH

Allocation

By asset

Debt91.17%
REITs / InvITs5.66%
Cash & Equivalents2.85%
AIF Units0.31%

By market cap

Unclassified193.69%

Concentration

Number of stocks209
Top 5 stocks18.16%
Top 10 stocks26.90%
Top 20 stocks39.75%
Lines in the filing211
Largest holding7.46%
Largest sectorCRISIL AAA 29.37%
Effective stocks65.8
Sectors held12
Cash2.85%

Effective stocks is what the concentration works out to: a fund holding 209 names but most of its money in a few behaves like a fund of 66. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

CRISIL AAA — 29.4%ICRA AAA — 17.5%ICRA A1+ — 13.8%Sovereign — 11.9%CRISIL A1+ — 11.7%CARE AAA — 6.0%Other — 9.9%CRISIL AAA29.4%ICRA AAA17.5%ICRA A1+13.8%Sovereign11.9%CRISIL A1+11.7%CARE AAA6.0%Other9.9%
CRISIL AAA29.37%
ICRA AAA17.46%
ICRA A1+13.75%
Sovereign11.90%
CRISIL A1+11.66%
CARE AAA5.97%
Cash & Equivalents2.85%
CARE A1+2.83%
IND AAA(SO)1.56%
CRISIL AAA(SO)1.23%
IND A1+0.75%
IND AAA0.37%
Unclassified0.31%
InvestVerdict

Aditya Birla Sun Life Floating Interest Rates Fund

Direct Plan · GROWTH · holdings

Top 30 holdings

#CompanySectorShares held Value
₹ cr		% of fund
1 Government of India (22/09/2033) (FRB) Sovereign 92,808,500 968 7.46%
2 7.48% National Bank for Agriculture and Rural Development (15/09/2028) CRISIL AAA 45,000 448 3.45%
3 7.00% Small Industries Development Bank of India (04/06/2029) (FRN) CARE AAA 35,000 350 2.70%
4 7.20% Knowledge Realty Trust (26/09/2028) CRISIL AAA 30,000 296 2.29%
5 HDFC Bank Ltd. (15/01/2027) CARE A1+ 6,000 294 2.27%
6 7.30% Bharti Telecom Ltd. (01/12/2027) CRISIL AAA 26,500 262 2.02%
7 Union Bank of India (16/03/2027) ICRA A1+ 5,000 242 1.87%
8 Net Receivable / Payable Unclassified — 223 1.76%
9 7.21% Embassy Office Parks Reit (17/03/2028) CRISIL AAA 22,600 224 1.73%
10 ICICI Bank Ltd. (25/03/2027) ICRA A1+ 4,500 218 1.68%
11 Small Industries Development Bank of India (03/09/2027) CRISIL A1+ 4,000 187 1.44%
12 6.66% National Bank for Agriculture and Rural Development (12/10/2028) ICRA AAA 18,000 176 1.36%
13 8.07% SMFG India Home Finance Co. Ltd. (10/09/2027) CARE AAA 17,500 175 1.35%
14 7.34% TATA Capital Ltd. (21/02/2029) (FRN) ICRA AAA 17,500 174 1.35%
15 7.31% Aditya Birla Housing Finance Ltd. (22/05/2028) ICRA AAA 17,500 173 1.33%
16 7.96% Embassy Office Parks Reit (27/09/2027) CRISIL AAA 17,000 170 1.31%
17 Punjab National Bank (12/03/2027) ICRA A1+ 3,500 170 1.31%
18 Indian Bank (24/06/2027) CRISIL A1+ 3,500 166 1.28%
19 6.60% REC Ltd. (30/06/2027) ICRA AAA 16,500 164 1.26%
20 7.55% Poonawalla Fincorp Ltd. (25/03/2027) CRISIL AAA 15,000 150 1.15%
21 7.73% Axis Finance Ltd. (12/06/2028) CRISIL AAA 15,000 149 1.15%
22 6.40% NHPC Ltd. (12/08/2027) CARE AAA 15,000 149 1.15%
23 7.35% Bharti Telecom Ltd. (15/10/2027) CRISIL AAA 15,000 149 1.15%
24 7.32% Axis Finance Ltd. (11/01/2029) (FRN) CRISIL AAA 15,000 148 1.14%
25 HDFC Bank Ltd. (24/02/2027) ICRA A1+ 3,000 146 1.13%
26 Export-Import Bank of India (01/03/2027) ICRA A1+ 3,000 146 1.12%
27 TREPS Unclassified — 142 1.09%
28 Small Industries Development Bank of India (11/08/2027) CRISIL A1+ 3,000 141 1.09%
29 Radhakrishna Securitisation Trust (28/09/2028) CRISIL AAA(SO) 142 135 1.04%
30 7.45% Export-Import Bank of India (12/04/2028) CRISIL AAA 12,500 125 0.96%
InvestVerdict

Aditya Birla Sun Life Floating Interest Rates Fund

Direct Plan · GROWTH · where the money sits

What the manager did last month

Between the filings of 30 Jun 2026 and 31 Jul 2026. A position grows because the manager bought or because the price rose; only the share count separates them.

BoughtSoldNew positionsSold out ofPrice move of holdings
₹251 cr ₹532 cr 18 16 -0.08%
StockShares tradedShares PriceValue
₹ cr
New position
Net Receivable / Payable — entered — 265
Indian Bank (24/06/2027) 3,500 entered — 165
TREPS — entered — 96.3
Reverse Repo — entered — 89.5
Canara Bank (29/06/2027) 1,500 entered — 70.5
7.40% Bajaj Finance Ltd. (12/03/2029) 6,500 entered — 64.3
7.17% REC Ltd. (01/07/2031) 5,000 entered — 49.7
Bank of Baroda (06/11/2026) 1,000 entered — 49.1
Added to
7.62% National Bank for Agriculture and Rural Development (31/01/2028) 8,000 +320.0% -0.4% 80.2
7.46% REC Ltd. (30/06/2028) 5,000 +100.0% -0.4% 50.1
Government of India (22/09/2033) (FRB) 4,500,000 +5.2% -0.1% 46.8
7.70% Axis Finance Ltd. (11/01/2029) (FRN) 2,500 +20.0% +0.2% 25.1
7.10% Bajaj Housing Finance Ltd. (16/10/2028) 2,500 +50.0% -0.1% 24.8
Canara Bank (04/03/2027) 500 +125.0% +0.5% 24.0
Trimmed
HDFC Bank Ltd. (14/12/2026) 3,500 -53.9% +0.5% 171
7.48% National Bank for Agriculture and Rural Development (15/09/2028) 10,000 -27.8% -0.4% 100
HDFC Bank Ltd. (24/02/2027) 1,000 -25.0% +0.5% 48.1
Small Industries Development Bank of India (11/06/2027) 1,000 -50.0% +0.5% 47.1
7.44% National Bank for Agriculture and Rural Development (17/07/2029) 4,500 -16.4% -0.5% 45.1
8.12% L&T Finance Ltd. (29/06/2029) 2,500 -16.7% +0.1% 25.2
7.97% Kotak Mahindra Prime Ltd. (24/08/2029) 2,500 -95.9% -0.4% 25.1
7.12% Tata Capital Housing Finance Ltd. (21/07/2027) 2,500 -55.6% 0.0% 24.9
Sold out of
Net Receivables / (Payables) — exited — 288
7.70% National Bank For Agriculture and Rural Development (30/09/2027) 17,000 exited — 171
National Bank For Agriculture and Rural Development (17/03/2027) 3,000 exited — 143
8.01% Mahindra & Mahindra Financial Services Limited (24/12/2027) 11,000 exited — 110
7.44% National Bank For Agriculture and Rural Development (24/02/2028) 9,500 exited — 95.3
State Government Securities (25/03/2031) 7,500,000 exited — 75.7
State Government Securities (04/02/2032) 5,000,000 exited — 50.1
7.2092% L&T Finance Limited (29/06/2027) 5,000 exited — 49.8

The list above is stocks and fund units. Treasury bills, repo and money-market lines roll over every month by design — they are not decisions, so they are totalled here rather than listed as activity.

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹720,047 ₹120,047 7.24%

XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has been invested for a different length of time.

Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 28 Oct 2026.