Unlock Financial Tools, Investment Insights, And Expert Guidance – All In One Convenient App !
Visit Our ABCD PageAditya Birla Capital Limited (“ABCL”) is a listed systemically important nondeposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,740
No. of Employees
68,400
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.91 Lakh Cr
Consolidated Lending Book
INR 2 Lakh CrHealth Insurance
Housing Finance
Life Insurance
Mutual Funds
Personal Insurance
SME Finance
Stock & Securities
Find customised home loan solutions for your unique needs
Find a better interest rate for your existing home loan
Get a loan on your existing home loan to meet your needs
Turn your assets into a financial ally
Meet all your dreams and needs with a collateral-free Personal Loan
Make loan repayment flexible and hassle-free with Flexi Loans
Get quick funds with Aditya Birla Capital Instant Personal Loan
Enjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Check your Aditya Birla Capital Personal Loan eligibility
Enjoy low personal loan interest rates for affordable repayments
Loan for Salaried, you don’t have to. Get quick funds without collateral and a flexible repayment tenure.
Loan for Self-employed. Get quick funds without collaterals and a flexible repayment tenure for affordable EMIs.
Are you eligible for a Personal Loan? Find out now!
Calculate NowBoost your business with competitive rates & flexible terms
Get anytime funds, quick approval, & ongoing support with Line of Credit
Strengthen your business cash flow with quick access to funds & flexible repayment options
Improve your cash flow & gain quick access to funds by discounting your invoices
Fuel your business with fast approval & flexible terms
Empower your ambitions with customized Machinery Loans
Maximize Your ROI with Strategic Energy Funding
Our solutions with Flexible funding, project requirements to drive construction forward.
Turn your property vision into reality with flexible terms and competitive interest rates.
Supporting real estate businesses in project completion
Mauris Porta Arcu Id Tortor Pulvinar Cursus. Mattis, Diam Id.
CALCULATE NOWLeverage your investments with Loan Against Shares, while retaining ownership of your assets
Unlock the value of your investments while keeping your assets intact
Get loans for all your business needs at attractive rates
Empower your business growth with financial solutions to support expansion & ownership
Turn your ideas into reality with flexible funding to support your vision from start to finish
Unlock customized financial solutions designed to meet the unique needs of complex business projects
Keep your business running smoothly with quick access to funds for day-to-day operations
Achieve your business goals with flexible repayment options & competitive rates for long-term growth
Diversify your portfolio and reduce risk with Debt Funds
Invest smartly in Equity Funds to aim for higher returns
Diversify your portfolio and reduce your risk with a mix of equity and debt
Goal-oriented fund with a lock-in period to create a corpus for retirement
Secure your child’s financial future with solutions-oriented children’s funds
Unlock a smart, hassle-free way to invest in various assets
Choose the smart way to diversify risks and grow investments
Follow the benchmark of smart investors to grow your wealth
Explore, Compare, and Invest in Top Mutual Funds
Calculate wealth creation through lumpsum investment in Mutual Funds
Calculate NowInvest or trade in equity for attractive returns and long-term capital growth
Get up to 5X leverage on leading stocks & increase your trading power
Give your portfolio stability with attractive returns
Start trading in equities and other securities. Grow your wealth with our Demat account.
Bring security and peace to life’s unpredictability
Get a guaranteed regular pension plus lump sum on plan maturity
Get a guaranteed regular pension plus lump sum on plan maturity
Get the benefits of insurance & wealth creation in one convenient plan
Find out how much life insurance you need with our Human Life calculator
Calculate NowMake quality health care affordable and accessible
Get extra coverage when you need it most
A comprehensive Health Insurance plan for all your healthcare needs
The Health Saver Card helps reduce expenses while keeping you healthier
Protect your vision with comprehensive eye insurance.
Protect your smile with comprehensive dental insurance and coverage plans tailored for you.
Get financial support with our hospital cash insurance for unexpected medical expenses.
Get the best mental health insurance online with ABCD Aditya Birla Capital today!
Secure your future with our affordable personal accident insurance plans.
Access convenient teleconsultation and video doctor consultations for your health needs.
Aditya Birla Capital Limited (“ABCL”) is a listed systemically important nondeposit taking Non-Banking Financial Company (NBFC) and the holding
company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans,
Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,740
No. of Employees
68,400
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.91 Lakh Cr
Consolidated Lending Book
INR 2 Lakh CrCorporate Governance Policies
Financial and Debt-Related Policies
Business and Partnership Policies
Check your credit score and get tips on how to improve it
Healthy living made easy with ABCD’s Digital Health Evaluation
Bring your assets and liabilities under one platform
Manage your money effectively with Spend Track.
Check Vehicle & Car Insurance Status/Validity Online
A digital will is a legally valid document created through a secure online platform
Money management made easy
Understanding direct and indirect taxes
Know how to plan retirement well
Insurance and it's aspects for laymen
Investments and their jargon - simplified
Investments and their jargon - simplified
Know all about loans and their management
Know all about loans and their management
Estimate your monthly loan repayments with Personal Loan EMI Calculator
Calculate the expected EMI of your loan for easier repayments
It measure your leanness or obesity basis your height and the weight.
Calculate the tax payable by you based on your income
Estimate the returns you can earn with your SIP investments
Calculate the Life Insurance cover you need to secure your family’s future
Calculate Maturity Amount for your Recurring SSY
Calculate the Personal Loan amount you are eligible for
Experience ConseQuest- A game where your decisions drive your future.









Unlock Financial Tools, Investment Insights, And Expert Guidance – All In One Convenient App
Download our AppYou can Scan the QR Code to Download our Mobile App
Elevate your wealth journey. Balance risk & returns for optimal investment
Invest in both equity and debt through a single fund for wealth creation and capital protection.
Since the fund invests in debt too, the equity volatility risk is offset by stable debt returns to bring down the risk.
Choose from equity-oriented to debt-oriented hybrid funds based on your risk profile as the funds are suitable for all investors.
With a long-term investment perspective, you can grow your wealth with the growth in equity component of the fund .
Most Popular

*Projections/estimations is backtested using historical data.
Most Popular

*Projections/estimations is backtested using historical data.
Most Popular

*Projections/estimations is backtested using historical data.
Most Popular

*Projections/estimations is backtested using historical data.
Most Popular

*Projections/estimations is backtested using historical data.
Most Popular

*Projections/estimations is backtested using historical data.
Most Popular

*Projections/estimations is backtested using historical data.
Most Popular

*Projections/estimations is backtested using historical data.
Discover the potential growth of your money! Use the simple Aditya Birla Sun Life Mutual Fund (ABSLMF) calculator to plan and shape a brighter financial future.
Invest confidently with our SIP Hybrid Mutual Fund Calculator. Secure your future with disciplined investments at regular intervals.
Embrace the power of lump sum investing—effortlessly invest for potential returns and experience instant growth.
Invest in mutual funds online with the ABCD app and build your portfolio one click at a time.
Scan the QR code to download our Mobile App
Hybrid funds are diversified portfolios that combine both stocks (which can grow your money) and debt instruments (which provide stability). This mix gives you exposure to different asset classes for effective returns at reduced risks.
By having debt exposure, hybrid funds bring down the risk profile of the portfolio making it less risky than pure equity funds.
Hybrid funds come in different types. Some are equity-oriented, some debt-oriented, while others offer a dynamic allocation. You can chooses hybrid funds based on your risk tolerance.
You can invest in hybrid funds for medium to long-term investment horizon depending on your financial goals.
Hybrid mutual funds are a type of investment fund that invests in different asset classes such as Equity and Debt providing a diversified investment option.
The primary objective of a hybrid fund is to generate capital appreciation while diversifying risk.
Choose a fund based on your investment strategy and grow wealth over the investment duration.
Portfolio allocation between equity and debt
Moderate risk-return profile
Growth potential in both medium and long-term investment
Regular returns in the dividend option
A combination of stability and growth
Choose equity-oriented hybrid funds which invest primarily in equity
Choose balanced funds with 60:40 allocation in equity and debt
Choose debt-oriented hybrid funds with limited equity exposure
Invest in multi-asset allocation funds
• Hybrid funds with more than 65% equity exposure are taxed as equity funds,
• Short-term capital gains are taxed at 15%.
• Long-term capital gains are tax-free up to Rs.1 lakh. Excess returns are taxed at 10%
• The dividend is added to your taxable income and taxed at your slab rate
• Returns earned are taxed at your income tax slab rate.


A hybrid mutual fund is one where the fund allocates investments across diverse assets, including equities, debt securities, gold instruments, etc. In simpler terms, an individual investing in a hybrid fund invests in the combination of its underlying assets.
Balanced fund is a type of Hybrid fund. Balanced fund invest 40-60% in equity and 60-40% in debt.
Hybrid mutual funds are ideal for first-time investors who prefer not to manage their asset allocations. However, there is a degree of volatility due to exposure to equity funds.
Conservative hybrid funds primarily invest in Debt instrument. They invest in 75% - 90% of their asset in Debt instrument and only 10% -25% in Equity.
Aggressive hybrid funds primarily invest the in pure equity funds. They have a higher equity exposure, with 65% to 80% in equities and 20% to 35% in debt instruments.
When selecting a hybrid mutual fund, it's crucial to assess your financial goals and risk tolerance. Additionally, researching and comparing various funds to find one that aligns with your investment strategy is essential. Other factors to weigh include the fund's performance history, fees, and the competence of its management team. It's advisable to consult a financial advisor before making investment decisions.
Investing in a hybrid fund provides several advantages:
Access to Multiple Asset Classes: Hybrid mutual funds offer the convenience of accessing various asset classes within a single fund, eliminating the need to invest in multiple funds for different asset classes.
Active Risk Management: These funds actively manage risk through portfolio diversification and asset allocation, combining non-correlated asset classes like equity and debt.
Diversification Across Sub-Classes: Hybrid funds diversify not only across asset classes but also within them. Invest in various sub-classes such as large-cap, mid-cap, or small-cap stocks, as well as value or growth stocks.
Catering to Different Risk Profiles: Hybrid funds cater to a range of risk profiles, providing options for conservative, moderate, and aggressive investors. They offer equity-oriented schemes for risk-takers, debt-oriented schemes for the risk-averse, and dynamic asset allocation funds for those who want balanced growth .
Strategic Buying and Selling: Fund managers strategically rebalance portfolios, adjusting asset allocation within permissible limits, facilitating the practice of buying low and selling high.
Automatic Rebalancing: The fund manager handles portfolio rebalancing as needed, relieving investors from the task and tracking markets to manage asset allocation.
Before investing in hybrid funds, it is crucial to assess various parameters such as investment risk, expected returns, investment horizon, and costs. Considerations include the impact of equity market performance on returns, the level of risk associated with the equity component, the suitable time horizon for stable returns, and the expense ratio. Additionally, understanding the investment strategy determined by fund managers is essential, as investors cannot influence the selection or combination of assets.
Understanding key aspects is crucial before investing in hybrid funds:
Hybrid funds offer no guaranteed returns; their performance is contingent on investments. Aggressive funds closely track equity markets, excelling during market declines but experiencing less success during upswings.
Risk: Risk in hybrid funds depends on the equity proportion; higher equity makes it riskier. The equity market segment and strategy define risk.
Time Horizon: Suited for a 3-5 year medium-term horizon, longer periods enhance chances of stable, higher returns in hybrid funds.
Cost: Like other mutual funds, hybrid funds have an expense ratio. A lower ratio is better for investors, although a high ratio doesn't necessarily equate to low returns.
Investment Strategy: Fund managers determine asset combinations, proportions, and styles. Investors do not influence how components are chosen or combined in hybrid funds.
Different types of Hybrid funds include:
Multi-Asset Allocation Fund: Requires investments in at least three asset classes, allowing exposure to various classes with allocation decided by the fund manager.
Aggressive Hybrid Funds: Requires to allocate 65-80% in equity and 20-35% in debt, offering the potential for high returns with reduced risk and benefiting from equity-oriented tax treatment.
Dynamic Asset Allocation or Balanced Advantage Fund: These funds have the flexibility to allocate anywhere from 0% to 100% in equity and debt, allowing them to adapt to market conditions.
Conservative Hybrid Funds: These funds allocate 10% to 25% to equity and equity-related instruments, while the remaining 75% to 90% is invested in debt instruments.
Equity Savings Fund: These funds have a minimum of 65% allocated to equity and a minimum of 10% in debt instruments.
Arbitrage Fund: They are equity-oriented hybrid funds that seek to generate returns by leveraging the price differential between cash and derivative markets.
Exit load in hybrid funds is a percentage of the unit price charged by fund houses when an investor chooses to exit. This fee, collected from the investor, is then added to the scheme. Investors need to take this load into account as it can impact the overall return on their investments.
Yes! Dividends from hybrid mutual funds are subjected to taxation for investors beginning from FY 2020-21. These dividends are to be included in the investor's total taxable income and taxed based on the applicable income tax slab. Additionally, a 10% TDS will be deducted if dividends from any mutual fund exceed ₹5000 in a financial year.
Arbitrage Funds, as hybrid mutual funds, primarily derive profits by capitalizing on price disparities between the cash and futures markets. These funds invest up to 65% of the portfolio in equity, buying stocks in the cash market and selling them in the futures market. The remaining portion of the portfolio is allocated to debt instruments and money market assets.
Diversification- The most significant advantage of investing in hybrid funds is diversification. Investing in a single hybrid scheme can give you exposure to two or more asset classes.
Active Fund Management- These funds are managed by fund managers who want to generate long-term returns.
Suitable for every risk profile - With options like aggressive, conservative, dynamic asset allocation, and more, hybrid schemes are suitable for every risk profile.
Invest in debt securities for low risks and stable returns.
Invest in funds listed and traded on the stock exchange
Know MoreMutual funds that invest in other mutual funds both in India and globally
Know MorePassively-managed mutual funds tracking a particular index
Know MoreOur advisors will get in touch with you soon.
₹12,000
Total investment over the yearsYou are required to invest only
₹0
per month till 2027