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Life Cycle Funds - Life Cycle Fund with Maturity of 5 Years
Zerodha Life Cycle Fund 2031
Direct Plan · Growth · Zerodha Mutual Fund
Risk: High Risk
52W Low ₹9.74 8 Oct 2026
52W High ₹10.09 23 Sept 2026
₹9.8073
NAV as of 9 Oct 2026
+0.69% day change
ISININF0R8F01240
Scheme Code154697
StructureOpen Ended Schemes
Fund HouseZerodha Asset Management Private Limited
Expense Ratio (as of 9 Oct 2026)2.98%
Min. Investment₹100
Inception Date27 Aug 2026
Benchmark35% Nifty 200 TRI + 5% Domestic
prices of Physical Gold + 5%
Domestic prices of Physical Silver + 55%
CRISIL 10 year Gilt Index
NFO Period27 Aug 2026 – 10 Sep 2026
Returns
Since Inception
-37.50%
Annualised (CAGR) returns for periods over a year.
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Rank in Category
| Period | This Fund | Category Avg. | Rank |
|---|---|---|---|
| 1W | +0.02% | -0.31% | 1 of 2 |
| YTD | -2.67% | -2.91% | 1 of 2 |
| INCEPTION | -37.50% | — | — |
Ranked among: Life Cycle Funds - Life Cycle Fund with Maturity of 5 Years.
NAV History
Portfolio · Sep 2026
Asset Allocation
- Equity65.76%
- Debt26.91%
- Cash3.02%
- Other4.31%
Market Cap Split
- Large Cap34.78%
- Mid Cap28.46%
- Small Cap2.52%
- Others34.24%
Holdings253
Top 5 Stocks19.75%
Top 10 Stocks27.48%
Top 3 Sectors28.01%
Holdings · Sep 2026
| Holding | Sector | Weight | Change (1M) |
|---|---|---|---|
| GOI LOAN 6.36% 2031 | Debt | 26.91% | — |
| Clearing Corporation of India Limited | Net Current Assets | 19.94% | — |
| Bharti Airtel | Telecom - Services | 5.05% | — |
| Federal Bank | Banks | 4.34% | — |
| Indusind Bank | Banks | 4.04% | — |
| Infosys | IT - Software | 3.74% | — |
| Bajaj Finance | Finance | 2.58% | — |
| Zerodha Gold ETF (GOLDCASE) | Others | 2.19% | — |
| Zerodha Silver ETF | Others | 2.12% | — |
| HDFC Bank | Banks | 2.02% | — |
| ICICI Bank | Banks | 1.76% | — |
| LIC Housing Finance | Finance | 1.64% | — |
| Reliance Industries | Petroleum Products | 1.49% | — |
| Larsen & Toubro | Construction | 0.82% | — |
| BSE | Capital Markets | 0.77% | — |
View all 261 holdings
| State Bank of India | Banks | 0.74% | — |
| Axis Bank | Banks | 0.65% | — |
| Kotak Bank | Banks | 0.57% | — |
| MCX | Capital Markets | 0.51% | — |
| Mahindra & Mahindra | Automobiles | 0.49% | — |
| ITC | Diversified FMCG | 0.47% | — |
| Laurus Labs | Pharmaceuticals & Biotechnology | 0.47% | — |
| Eternal | Retailing | 0.43% | — |
| One 97 Communications | Financial Technology (Fintech) | 0.43% | — |
| Hero Motocorp | Automobiles | 0.41% | — |
| Tata Consultancy Services | IT - Software | 0.39% | — |
| Coforge | IT - Software | 0.37% | — |
| Bharat Heavy Electricals | Electrical Equipment | 0.37% | — |
| Sun Pharmaceutical | Pharmaceuticals & Biotechnology | 0.36% | — |
| Titan | Consumer Durables | 0.35% | — |
| AU Small Finance Bank | Banks | 0.35% | — |
| Persistent Systems | IT - Software | 0.35% | — |
| IDFC First Bank | Banks | 0.33% | — |
| Dixon Technologies | Consumer Durables | 0.33% | — |
| Bharat Forge | Auto Components | 0.31% | — |
| Hindustan Unilever | Diversified FMCG | 0.31% | — |
| LIC of India | Insurance | 0.31% | — |
| GE Vernova T&D | Electrical Equipment | 0.31% | — |
| Lupin | Pharmaceuticals & Biotechnology | 0.30% | — |
| Indus Towers | Telecom - Services | 0.29% | — |
| Suzlon Energy | Electrical Equipment | 0.29% | — |
| Maruti Suzuki | Automobiles | 0.28% | — |
| Aurobindo Pharma | Pharmaceuticals & Biotechnology | 0.28% | — |
| Tata Steel | Ferrous Metals | 0.28% | — |
| Info Edge | Retailing | 0.28% | — |
| NTPC | Power | 0.28% | — |
| Nykaa | Retailing | 0.27% | — |
| Ashok Leyland | Agricultural, Commercial & Construction Vehicles | 0.27% | — |
| Polycab | Industrial Products | 0.26% | — |
| Bharat Electronics | Aerospace & Defense | 0.26% | — |
| Shriram Finance | Finance | 0.26% | — |
| Marico | Agricultural Food & other Products | 0.25% | — |
| Hindalco Industries | Non - Ferrous Metals | 0.25% | — |
| Adani Ports & SEZ | Transport Infrastructure | 0.25% | — |
| Fortis Healthcare | Equity | 0.24% | — |
| APL Apollo Tubes | Industrial Products | 0.24% | — |
| HCL Technologies | IT - Software | 0.24% | — |
| ICICI Lombard General Insurance | Insurance | 0.24% | — |
| UltraTech Cement | Cement & Cement Products | 0.23% | — |
| PB FinTech | Financial Technology (Fintech) | 0.22% | — |
| Divis Laboratories | Pharmaceuticals & Biotechnology | 0.22% | — |
| Yes Bank | Banks | 0.22% | — |
| Bajaj Auto | Automobiles | 0.22% | — |
| Max Financial Services | Insurance | 0.22% | — |
| Phoenix Mills | Realty | 0.22% | — |
| Power Grid Corporation of India | Power | 0.22% | — |
| SRF | Chemicals & Petrochemicals | 0.22% | — |
| Swiggy | Retailing | 0.22% | — |
| Vodafone Idea | Telecom - Services | 0.22% | — |
| JSW Steel | Ferrous Metals | 0.22% | — |
| GMR Airports | Transport Infrastructure | 0.21% | — |
| Hindustan Petroleum | Petroleum Products | 0.21% | — |
| Grasim Industries | Cement & Cement Products | 0.21% | — |
| Glenmark Pharmaceuticals | Pharmaceuticals & Biotechnology | 0.21% | — |
| Hitachi Energy | Electrical Equipment | 0.21% | — |
| Interglobe Aviation | Transport Services | 0.21% | — |
| Radico Khaitan | Beverages | 0.21% | — |
| Asian Paints | Consumer Durables | 0.20% | — |
| NALCO | Non - Ferrous Metals | 0.19% | — |
| Coal India | Consumable Fuels | 0.19% | — |
| Aditya Birla Capital | Finance | 0.19% | — |
| Bajaj Finserv | Finance | 0.19% | — |
| Eicher Motors | Automobiles | 0.18% | — |
| Sundaram Finance | Finance | 0.18% | — |
| UPL | Fertilizers & Agrochemicals | 0.18% | — |
| JSW Energy | Power | 0.18% | — |
| Alkem Laboratories | Pharmaceuticals & Biotechnology | 0.18% | — |
| TVS Motors | Automobiles | 0.18% | — |
| Tech Mahindra | IT - Software | 0.18% | — |
| Nestle | Food Products | 0.17% | — |
| Mphasis | IT - Software | 0.17% | — |
| Indian Bank | Banks | 0.17% | — |
| Mankind Pharma | Pharmaceuticals & Biotechnology | 0.17% | — |
| Apar Industries | Electrical Equipment | 0.17% | — |
| Vishal Mega Mart | Retailing | 0.17% | — |
| NHPC | Power | 0.17% | — |
| KEI Industries | Industrial Products | 0.16% | — |
| Tata Motors | Agricultural, Commercial & Construction Vehicles | 0.16% | — |
| Hindustan Aeronautics | Aerospace & Defense | 0.16% | — |
| Oil & Natural Gas Corporation | Oil | 0.16% | — |
| IPCA Laboratories | Pharmaceuticals & Biotechnology | 0.16% | — |
| 360 One WAM | Capital Markets | 0.16% | — |
| NMDC | Minerals & Mining | 0.16% | — |
| Biocon | Pharmaceuticals & Biotechnology | 0.16% | — |
| Trent | Retailing | 0.16% | — |
| Steel Authority of India | Ferrous Metals | 0.16% | — |
| Adani Power | Power | 0.16% | — |
| Havells | Consumer Durables | 0.16% | — |
| Adani Enterprises | Metals & Minerals Trading | 0.16% | — |
| Tube Investment | Auto Components | 0.15% | — |
| Prestige Estates Projects | Realty | 0.15% | — |
| Lloyds Metals & Energy | Minerals & Mining | 0.15% | — |
| Oil India | Oil | 0.15% | — |
| Voltas | Consumer Durables | 0.15% | — |
| Apollo Hospitals | Equity | 0.15% | — |
| Dr Reddys Laboratories | Pharmaceuticals & Biotechnology | 0.14% | — |
| Waaree Energies | Electrical Equipment | 0.14% | — |
| L&T Finance | Finance | 0.14% | — |
| Dabur India | Personal Products | 0.14% | — |
| Oracle Financial Services Software | IT - Software | 0.14% | — |
| Lenskart Solutions | Retailing | 0.14% | — |
| Jindal Stainless | Ferrous Metals | 0.14% | — |
| Colgate Palmolive | Personal Products | 0.14% | — |
| SBI Life Insurance | Insurance | 0.14% | — |
| Cipla | Pharmaceuticals & Biotechnology | 0.14% | — |
| Torrent Power | Power | 0.14% | — |
| Supreme Industries | Industrial Products | 0.13% | — |
| Oberoi Realty | Realty | 0.13% | — |
| Godrej Properties | Realty | 0.13% | — |
| Jio Financial Services | Finance | 0.13% | — |
| M&M Financial Services | Finance | 0.13% | — |
| Torrent Pharmaceuticals | Pharmaceuticals & Biotechnology | 0.13% | — |
| Petronet LNG | Gas | 0.13% | — |
| UNO Minda | Auto Components | 0.13% | — |
| JSW Infrastructure | Transport Infrastructure | 0.13% | — |
| Kalyan Jewellers | Consumer Durables | 0.13% | — |
| Cholamandalam Investment | Finance | 0.13% | — |
| Max Healthcare Institute | Equity | 0.13% | — |
| JK Cement | Cement & Cement Products | 0.13% | — |
| Coromandel International | Fertilizers & Agrochemicals | 0.13% | — |
| Samvardhana Motherson International | Auto Components | 0.13% | — |
| MRF | Auto Components | 0.12% | — |
| Blue Star | Consumer Durables | 0.12% | — |
| Cummins | Industrial Products | 0.12% | — |
| Tata Communications | Telecom - Services | 0.12% | — |
| Nippon Life India AMC | Capital Markets | 0.12% | — |
| Indian Hotels Company | Leisure Services | 0.12% | — |
| Page Industries | Textiles & Apparels | 0.11% | — |
| ICICI Prudential Life Insurance | Insurance | 0.11% | — |
| Exide Industries | Auto Components | 0.11% | — |
| Bharat Petroleum | Petroleum Products | 0.11% | — |
| PI Industries | Fertilizers & Agrochemicals | 0.11% | — |
| ITC Hotels | Leisure Services | 0.11% | — |
| Gujarat Fluorochemicals | Chemicals & Petrochemicals | 0.11% | — |
| Tata Power | Power | 0.11% | — |
| Avenue Supermarts DMart | Retailing | 0.11% | — |
| Tata Motors Passenger Vehicles | Automobiles | 0.11% | — |
| Varun Beverages | Beverages | 0.11% | — |
| CG Power & Industrial Solutions | Electrical Equipment | 0.11% | — |
| Jubilant FoodWorks | Leisure Services | 0.11% | — |
| LG Electronics | Consumer Durables | 0.11% | — |
| Tata Consumer Products | Agricultural Food & other Products | 0.11% | — |
| SBI Cards | Finance | 0.10% | — |
| HDFC Life Insurance | Insurance | 0.10% | — |
| Britannia Industries | Food Products | 0.10% | — |
| Bank of India | Banks | 0.10% | — |
| Astral | Industrial Products | 0.10% | — |
| Adani Total Gas | Gas | 0.10% | — |
| Bank of Maharashtra | Banks | 0.10% | — |
| Balkrishna Industries | Auto Components | 0.10% | — |
| Schaeffler India | Auto Components | 0.09% | — |
| Motilal Oswal Financial Services | Capital Markets | 0.09% | — |
| Container Corporation of India | Transport Services | 0.09% | — |
| Indian Oil Corporation | Petroleum Products | 0.09% | — |
| Ajanta Pharma | Pharmaceuticals & Biotechnology | 0.09% | — |
| GAIL | Gas | 0.09% | — |
| AIA Engineering | Industrial Products | 0.09% | — |
| Authum Inv & Infr | Finance | 0.09% | — |
| Power Finance Corporation | Finance | 0.09% | — |
| Groww | Capital Markets | 0.09% | — |
| ICICI Prudential Asset Management | Capital Markets | 0.09% | — |
| HDFC AMC | Capital Markets | 0.08% | — |
| Patanjali Foods | Agricultural Food & other Products | 0.08% | — |
| Bajaj Holdings & Investments | Finance | 0.08% | — |
| IRCTC | Leisure Services | 0.08% | — |
| Vedanta | Diversified Metals | 0.08% | — |
| HDB Financial Services | Finance | 0.08% | — |
| Dalmia Bharat | Cement & Cement Products | 0.08% | — |
| GIC of India | Insurance | 0.08% | — |
| DLF | Realty | 0.08% | — |
| Linde | Chemicals & Petrochemicals | 0.08% | — |
| Wipro | IT - Software | 0.08% | — |
| Adani Green Energy | Power | 0.08% | — |
| Apollo Tyres | Auto Components | 0.08% | — |
| Bank of Baroda | Banks | 0.08% | — |
| Adani Energy Solutions | Power | 0.08% | — |
| Thermax | Electrical Equipment | 0.08% | — |
| Abbott | Pharmaceuticals & Biotechnology | 0.08% | — |
| Berger Paints | Consumer Durables | 0.08% | — |
| Jindal Steel | Ferrous Metals | 0.08% | — |
| Solar Industries | Chemicals & Petrochemicals | 0.08% | — |
| Pidilite Industries | Chemicals & Petrochemicals | 0.08% | — |
| GlaxoSmithKline Pharmaceuticals | Pharmaceuticals & Biotechnology | 0.07% | — |
| LTM | IT - Software | 0.07% | — |
| ABB | Electrical Equipment | 0.07% | — |
| Bharti Hexacom | Telecom - Services | 0.07% | — |
| Canara Bank | Banks | 0.07% | — |
| KPR Mill | Textiles & Apparels | 0.07% | — |
| United Spirits | Beverages | 0.07% | — |
| Punjab National Bank | Banks | 0.07% | — |
| Global Health | Equity | 0.07% | — |
| Rail Vikas Nigam | Construction | 0.07% | — |
| REC | Finance | 0.07% | — |
| Cochin Shipyard | Industrial Manufacturing | 0.07% | — |
| Endurance Technologies | Auto Components | 0.06% | — |
| Siemens | Electrical Equipment | 0.06% | — |
| NLC India | Power | 0.06% | — |
| Lodha Developers | Realty | 0.06% | — |
| AWL Agri Business | Agricultural Food & other Products | 0.06% | — |
| Bajaj Housing Finance | Finance | 0.06% | — |
| Bharat Dynamics | Aerospace & Defense | 0.06% | — |
| Premier Energies | Electrical Equipment | 0.06% | — |
| Godrej Consumer Products | Personal Products | 0.06% | — |
| Tata Elxsi | IT - Software | 0.06% | — |
| CRISIL | Finance | 0.06% | — |
| Union Bank of India | Banks | 0.06% | — |
| Hyundai Motor India | Automobiles | 0.05% | — |
| L&T Technology Services | IT - Services | 0.05% | — |
| IREDA | Finance | 0.05% | — |
| Muthoot Finance | Finance | 0.05% | — |
| Zydus Life Science | Pharmaceuticals & Biotechnology | 0.05% | — |
| NTPC Green Energy | Power | 0.05% | — |
| Escorts Kubota | Agricultural, Commercial & Construction Vehicles | 0.05% | — |
| HUDCO | Finance | 0.05% | — |
| United Breweries | Beverages | 0.05% | — |
| Hindustan Zinc | Non - Ferrous Metals | 0.05% | — |
| Siemens Energy | Electrical Equipment | 0.05% | — |
| KPIT Technologies | IT - Software | 0.05% | — |
| Tata Investment Corporation | Finance | 0.05% | — |
| Godfrey Phillips | Cigarettes & Tobacco Products | 0.05% | — |
| Bosch | Auto Components | 0.05% | — |
| Anthem Biosciences | Pharmaceuticals & Biotechnology | 0.05% | — |
| Ambuja Cements | Cement & Cement Products | 0.04% | — |
| ACC | Cement & Cement Products | 0.04% | — |
| Shree Cement | Cement & Cement Products | 0.04% | — |
| Hexaware Technologies | IT - Software | 0.04% | — |
| Honeywell Automation | Industrial Manufacturing | 0.03% | — |
| 3M India | Diversified | 0.03% | — |
| IRFC | Finance | 0.03% | — |
| Mazagon Dock Shipbuilders | Industrial Manufacturing | 0.03% | — |
| Godrej Industries | Diversified | 0.03% | — |
| Tata Capital | Finance | 0.03% | — |
| SJVN | Power | 0.03% | — |
| The New India Assurance Company | Insurance | 0.02% | — |
| LIC Housing Finance Ltd 27/10/2026 | Finance | -1.57% | — |
| Bajaj Finance Limited 27/10/2026 | Finance | -2.11% | — |
| Infosys Limited 27/10/2026 | IT - Software | -3.12% | — |
| Indusind Bank Limited 27/10/2026 | Banks | -3.68% | — |
| The Federal Bank Limited 27/10/2026 | Banks | -3.89% | — |
| Bharti Airtel Limited 27/10/2026 | Telecom - Services | -4.08% | — |
| Net Receivable / Payable | Net Current Assets | -16.92% | — |
Sector Allocation · Sep 2026
View all 45 sectors
Compare With Peers
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
| ICICI Prudential Life Cycle Fund 2031 | — | — | — | -39.91% |
More From Zerodha Asset Management Private Limited
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
|
Zerodha Silver ETF
Direct Plan
|
+38.43% | — | — | +66.17% |
|
Zerodha Silver ETF FoF
Direct Plan · Growth Option
|
+28.01% | — | — | +70.67% |
|
Zerodha Gold ETF
Direct Plan
|
+21.07% | — | — | +38.36% |
|
Zerodha Gold ETF FoF
Direct Plan · Growth Option
|
+20.89% | — | — | +41.38% |
|
Zerodha Nifty Smallcap 100 ETF
Direct Plan
|
+7.14% | — | — | +6.68% |
|
Zerodha Overnight Fund
Direct Plan · Growth Option
|
+5.12% | — | — | +5.24% |
|
Zerodha Nifty 1D Rate Liquid ETF
Direct Plan · Growth Option
|
+4.95% | — | — | +5.65% |
|
Zerodha Multi Asset Passive FoF
Direct Plan · Growth Option
|
+3.27% | — | — | +8.31% |
|
Zerodha Nifty 8-13 Yr G-Sec ETF
Direct Plan
|
+1.48% | — | — | +2.08% |
|
Zerodha Nifty Midcap 150 ETF
Direct Plan
|
+0.89% | — | — | +2.68% |
About This Scheme
Investment Objective
The primary objective of the Zerodha Life Cycle Fund 2031 is to provide a goal-based investment solution that seeks to generate capital appreciation by investing across various asset classes i.e., Equity, Debt, InvITs, ETCDs, Gold/Silver ETFs. The fund follows a pre-determined maturity and a dynamic glide path strategy across the product lifespan initially maintaining an aggressive stance and automatically transitioning toward a conservative, debt-heavy allocation to protect capital as the target date approaches. There is no assurance or guarantee that the investment objective of the scheme would be achieved.
Stated Asset Allocation
The asset allocation will be as follows: Equity and Equity Related : (Maturity Years) 03-05 Yr - 35% to 50%, 1-3 Yr - 20% to 35 %, <1 Yr 5% to 20% Debt and Debt Related : (Maturity Years) 03-05 Yr - 25% to 50%, 1-3 Yr - 25% to 65 %, <1 Yr 25% to 65% Gold ETFs/Silver ETFs/ETCDs/InvITs : (Maturity Years) 03-05 Yr - 0% to 10%, 1-3 Yr - 0% to 10 %, <1 Yr 0% to 10%
Exit Load
Nil
Fund Managers
Kedarnath Mirajkar
Primary
Official Documents
Scheme Information Document (PDF)
Scheme Summary (PDF)
Scheme Summary (XLS)
Zerodha Asset Management Private Limited website
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance is not indicative of future returns. Data is sourced from AMFI and fund houses via FinAPI and may lag official figures.