Rs. 100- Rs. 10 crore
Start investing with Rs. 100 | Easy KYC | Expert-managed funds
SIP Investing - How to Start, Manage & Optimise Your SIP
In summary
Aditya Birla Sun Life Mutual Fund offers investment schemes across equity, debt, hybrid, and other categories. Its asset management company operates under the regulatory framework governing mutual funds in India.
- The mutual fund was established in 1994.
- Two financial groups sponsor the fund.
- Its head office is in Mumbai.
- Schemes cover different investment asset classes.
- Investors can choose SIP or lumpsum investments.
- Risk levels vary across mutual fund schemes.
- Returns are market-linked and not guaranteed.
The AMC manages a range of mutual fund schemes for different investment objectives. Before investing, compare each scheme's portfolio, Riskometer, expenses, and investment horizon rather than relying only on historical returns.
What is Aditya Birla Sun Life mutual fund?
Aditya Birla Sun Life Mutual Fund was established on 23 December 1994. Its investment manager, Aditya Birla Sun Life AMC Limited, was incorporated on 5 September 1994. The mutual fund is sponsored by Aditya Birla Capital Limited and Sun Life (India) AMC Investments Inc. The AMC manages the schemes, while the trustee company performs oversight responsibilities under the applicable regulatory framework. The following table provides an overview of the fund house.
| Particulars | Details |
| Mutual fund name | Aditya Birla Sun Life Mutual Fund |
| Asset management company | Aditya Birla Sun Life AMC Limited |
| Date of mutual fund setup | 23 December 1994 |
| AMC incorporation date | 5 September 1994 |
| Indian sponsor | Aditya Birla Capital Limited |
| Canadian sponsor entity | Sun Life (India) AMC Investments Inc. |
| Trustee organisation | Aditya Birla Sun Life Trustee Private Limited |
| Managing Director and CEO | A. Balasubramanian |
| Compliance Officer | Parth Makwana |
| Investor Service Officer | Nikesh Gupta |
| Head office | Mumbai, Maharashtra |
| SEBI mutual fund registration | MF/020/94/8 |
| Quarterly average AUM | Rs. 4,41,787 crore, July–September 2026 |
The leadership and institutional information is based on AMFI's records updated on August 2026. Quarterly average AUM represents the average assets managed during the specified quarter, rather than the value on a single day.
How has the asset management company developed?
Aditya Birla Sun Life Mutual Fund began operations in 1994 and has since expanded its investment offerings across multiple mutual fund categories. The fund house operates from Mumbai and offers equity, debt, hybrid, and passive investment schemes. Its product range allows investors to access different asset classes according to their investment objectives. The AMC is among the established AMCs in India. Its reported quarterly average AUM increased from Rs. 4,27,675 crore during April–June 2026 to approximately Rs. 4,41,787 crore during July–September 2026.
The following milestones summarise its development.
| Period | Development |
| September 1994 | Aditya Birla Sun Life AMC Limited incorporated |
| December 1994 | Mutual fund established |
| 1990s onward | Expansion into different equity and debt strategies |
| Subsequent years | Addition of hybrid, index, and other investment offerings |
| April–June 2026 | Quarterly average AUM of Rs. 4,27,675 crore |
| July–September 2026 | Quarterly average AUM of approximately Rs. 4.42 lakh crore |
Assets under management can change because of investor contributions, redemptions, and market movements. A higher AUM does not automatically indicate higher returns or lower investment risk.
What are the objectives of the asset management company?
The primary objective of Aditya Birla Sun Life Mutual Fund's asset management company (AMC) is to manage investors' money according to the investment objectives of each mutual fund scheme. The AMC aims to generate returns within the scheme's stated investment strategy and risk framework.
Aditya Birla Sun Life Mutual Fund offers schemes with different investment objectives, ranging from long-term capital growth to income generation and capital preservation. Fund managers select and manage securities based on each scheme's asset allocation, investment mandate, and applicable regulatory requirements.
The AMC also focuses on portfolio diversification, risk management, and compliance with Securities and Exchange Board of India (SEBI) regulations. However, these measures do not eliminate investment risks or guarantee returns. When investing in mutual funds, investors should review each scheme's objectives, expense ratio, risk profile, and investment horizon to determine whether it aligns with their financial goals.
What fund categories does Aditya Birla Sun Life Mutual Fund offer?
Aditya Birla Sun Life Mutual Fund offers four main categories: equity, debt, hybrid, and Equity Linked Savings Schemes (ELSS). The fund house, also known as ABSLMF, provides investment schemes across different risk profiles and financial goals. The table below compares these mutual fund categories, their sub-types, indicative risk levels, and investment horizons.
| Category | Sub-types | Typical Riskometer Level | Investment Horizon |
|---|---|---|---|
| Equity | Aditya Birla Sun Life equity fund options: Large Cap, Mid Cap, Flexi Cap | High to Very High | 5 years or more |
| Debt | Aditya Birla Sun Life debt fund options: Liquid, Short Term, Dynamic Bond | Low to High, depending on scheme | Short to long term |
| Hybrid | Arbitrage, Balanced Advantage, Aggressive Hybrid | Low to Moderate through Very High, depending on scheme | Depends on allocation and scheme |
| ELSS | Tax-saving equity schemes with a 3-year lock-in | Very High in many schemes | Preferably 5 years or more |
The Association of Mutual Funds in India (AMFI) provides scheme information, but the actual SEBI Riskometer classification varies across ABSLMF schemes and must be checked individually.
Mutual funds are subject to market risk. Please read the scheme-related documents carefully before investing.
How can investors compare Aditya Birla Sun Life mutual fund schemes?
Comparing schemes involves more than checking historical returns. Investors should first identify the investment category, then examine its underlying assets and risk level. For example, a liquid fund and an equity index fund follow different strategies. Comparing their one-year returns without considering these differences can be misleading. The following factors help investors make a more meaningful comparison.
| Comparison factor | What investors should check |
| Investment objective | Whether the scheme matches the financial goal |
| Riskometer | The scheme's latest disclosed risk category |
| Investment horizon | Whether money can remain invested for the required period |
| Expense ratio | Annual expenses applicable to the selected plan |
| Historical returns | Performance over comparable periods and plan options |
| Portfolio | Holdings, asset allocation, and concentration |
| Liquidity | Exit loads, lock-ins, and redemption conditions |
A scheme's AUM may provide information about its size, but it does not independently establish investment quality. Investors should also compare direct and regular plans carefully. Direct plans generally have lower expense ratios because they do not include distributor commissions.
How are Aditya Birla Sun Life mutual fund returns taxed?
Returns from Aditya Birla Sun Life Mutual Fund are subject to capital gains tax when units are redeemed. The tax rate depends on the scheme's classification, holding period, and applicable tax rules. The table below outlines the capital gains tax treatment applicable as of November 2026.
| Scheme type | Holding period | Tax type | Tax rate |
|---|---|---|---|
| Equity-oriented funds | Up to 12 months | STCG | 20% |
| Equity-oriented funds | More than 12 months | LTCG | 12.5% on aggregate eligible annual gains above Rs. 1.25 lakh |
| Specified debt funds acquired from 1 April 2023 | Any holding period | Deemed STCG | Applicable income tax slab rate |
| ELSS | Minimum 3-year lock-in | LTCG on redemption | 12.5% on eligible gains above Rs. 1.25 lakh |
ELSS investments qualify for a deduction of up to Rs. 1.5 lakh under Section 80C in the old tax regime, subject to eligibility. Tax rates exclude applicable surcharge and cess. These rules follow Sections 111A, 112A, and 50AA of the Income-tax Act. Debt schemes acquired before 1 April 2023 and certain hybrid schemes can have different tax treatment AMFI provides investor education but does not determine tax rates. Consult a tax advisor for personalised guidance.
Conclusion
Aditya Birla Sun Life Mutual Fund has operated in India since 1994 and offers schemes across equity, debt, hybrid, index, and other investment categories. Its range of investment options allows investors to compare different objectives, costs, liquidity conditions, and risk levels. Before investing, review the relevant mutual fund schemes and assess their suitability for your financial goals. You can also use a mutual fund calculator to explore illustrative growth and compare mutual funds across available categories. These tools support investment research but do not predict or guarantee future returns.
Last reviewed: 12 November 2026
Mutual funds are subject to market risk. Please read the scheme-related documents carefully before investing.
Explore Investment Tools
Articles and Insights
Frequently Asked Questions
SIPs and tax-saving investments
Fund selection and safety
Risk levels and expenses
Can I calculate the Aditya Birla Sun Life Mutual Fund SIPs?
Yes, you can use an SIP calculator to estimate the potential future value of investments in eligible Aditya Birla Sun Life mutual fund schemes. Enter the monthly investment amount, expected annual return, and investment duration. For example, an SIP of Rs. 2,000 per month results in contributions of Rs. 1.20 lakh over five years. The eventual investment value depends on market performance, expenses, and the applicable NAV. Calculator projections are illustrative and do not guarantee returns.
Does Aditya Birla Sun Life Mutual Fund offer ELSS funds?
Yes, Aditya Birla Sun Life Mutual Fund offers the Aditya Birla Sun Life ELSS Tax Saver Fund. This is an equity-linked savings scheme with a mandatory three-year lock-in period for each investment. Eligible investments can qualify for deductions under Section 80C, within the overall annual limit of Rs. 1.5 lakh, subject to the conditions of the old tax regime. ELSS returns are market-linked and not guaranteed. Investors should consider the equity risk and lock-in before investing.
Which ABSL mutual fund scheme is best for short-term investment?
There is no single Aditya Birla Sun Life mutual fund scheme that is best for every short-term investor. The choice depends on when the money is needed, liquidity requirements, and risk tolerance. The fund house offers categories such as overnight, liquid, money market, and low-duration debt funds that investors can evaluate for different short-term needs. However, their risks, maturity profiles, and redemption conditions vary. Review the latest Riskometer, expenses, and scheme documents before selecting a fund.
Are Aditya Birla Sun Life mutual fund schemes safe to invest in?
Aditya Birla Sun Life mutual fund schemes operate within India's regulated mutual fund framework, but they are not risk-free. Their investment values can rise or fall depending on the underlying assets. Equity schemes face market volatility, while debt schemes can face interest rate and credit risks. Hybrid and arbitrage schemes also carry investment risks. Investors should review each scheme's Riskometer, portfolio composition, liquidity, and investment objective. SEBI regulation does not guarantee invested capital or returns.
How do Aditya Birla Sun Life mutual funds compare across risk levels?
Aditya Birla Sun Life mutual fund schemes have different risk profiles because they invest in different securities and asset classes. For example, equity schemes are exposed to stock market movements, while debt funds face interest rate and credit risks. Hybrid funds combine underlying assets, and index funds follow specified benchmarks. Each scheme has a Riskometer that indicates its current risk category. Investors should compare the latest Riskometer alongside portfolio composition, investment horizon, and potential losses.
What is the expense ratio of Aditya Birla Sun Life mutual fund schemes?
There is no single expense ratio for all Aditya Birla Sun Life mutual fund schemes. Each scheme and plan has its own Total Expense Ratio (TER), which represents operating expenses charged to the fund. Direct plans generally have lower expense ratios than regular plans because they exclude distributor commissions. For example, an annual expense ratio of 1% represents approximately Rs. 100 per year for each Rs. 10,000 of average assets, as a simplified illustration. Actual expenses vary with portfolio value and scheme disclosures.
Disclaimer
Bajaj Finance Limited ("BFL") is registered with the Association of Mutual Funds in India ("AMFI") as a distributor of third party Mutual Funds (shortly referred as 'Mutual Funds) with ARN No. 90319
BFL does NOT:
(i) provide investment advisory services in any manner or form.
(ii) carry customized/personalized suitability assessment.
(iii) carry independent research or analysis, including on any Mutual Fund schemes or other investments; and provide any guarantee of return on investment.
In addition to displaying the Mutual fund products of Asset Management Companies, some general information is sourced from third parties, is also displayed on As-is basis, which should NOT be construed as any solicitation or attempt to effect transactions in securities or the rendering any investment advice. Mutual Funds are subject to market risks, including loss of principal amount and Investor should read all Scheme/Offer related documents carefully. The NAV of units issued under the Schemes of mutual funds can go up or down depending on the factors and forces affecting capital markets and may also be affected by changes in the general level of interest rates. The NAV of the units issued under the scheme may be affected, inter-alia by changes in the interest rates, trading volumes, settlement periods, transfer procedures and performance of individual securities forming part of the Mutual Fund. The NAV will inter-alia be exposed to Price/Interest Rate Risk and Credit Risk. Past performance of any scheme of the Mutual fund do not indicate the future performance of the Schemes of the Mutual Fund. BFL shall not be responsible or liable for any loss or shortfall incurred by the investors. There may be other/better alternatives to the investment avenues displayed by BFL. Hence, the final investment decision shall at all times exclusively remain with the investor alone and BFL shall not be liable or responsible for any consequences thereof.
Investment by a person residing outside the territorial jurisdiction of India is not acceptable nor permitted.
Disclaimer on Risk-O-Meter:
Investors are advised before investing to evaluate a scheme not only on the basis of the Product labeling (including the Riskometer) but also on other quantitative and qualitative factors such as performance, portfolio, fund managers, asset manager, etc, and shall also consult their Professional advisors, if they are unsure about the suitability of the scheme before investing.
Disclosure: Bajaj Finance Limited (BFL) is a distributor of Mutual Funds with ARN - 90319 and distributes mutual funds of Bajaj Finserv Asset Management Limited (BFSAMC). BFL receives commission towards distribution of mutual fund products. BFSAMC is a group company of BFL, carrying business on arm’s length basis without any conflict of interest and in accordance with the prevailing law / regulation.
Disclaimer
Bajaj Finance Limited ("BFL") is an NBFC offering loans, deposits and third-party wealth management products.
The information BFL contained in this article is for general informational purposes only and does not constitute any financial advice. The content herein has been prepared by BFL on the basis of publicly available information, internal sources and other third-party sources believed to be reliable. However, BFL cannot guarantee the accuracy of such information, assure its completeness, or warrant such information will not be changed.
This information should not be relied upon as the sole basis for any investment decisions. Hence, User is advised to independently exercise diligence by verifying complete information, including by consulting independent financial experts, if any, and the investor shall be the sole owner of the decision taken, if any, about suitability of the same.
Disclaimer
Mutual Fund SIP calculator may provide potential investors an approximate estimate on the maturity amount of the monthly SIP, purely based on mathematical calculation of the projected annual return rate selected by investor. However, such calculation does not factor the actual performance by the Asset Management Company (AMC) and should not be treated as any advice or assurance about the actual return of investment. Mutual Funds do not have a fixed rate of return and it is not possible to predict the rate of return. Please note that the SIP calculator are for illustrations only and do not represent actual returns which may vary depending on various factors including but not limited to actual performance, expense ratio, taxation, exit load (if any), etc.