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Life Cycle Funds - Life Cycle Fund with Maturity of 10 Years
Zerodha Life Cycle Fund 2036
Direct Plan · Growth Option · Zerodha Mutual Fund
Risk: Very High Risk
52W Low ₹9.55 1 Oct 2026
52W High ₹10.19 25 Aug 2026
₹9.5901
NAV as of 5 Oct 2026
+0.40% day change
ISININF0R8F01224
Scheme Code154436
StructureOpen Ended Schemes
Fund HouseZerodha Asset Management Private Limited
Expense Ratio (as of 5 Oct 2026)1.02%
Min. Investment₹100
Inception Date19 Jun 2026
Benchmark50% Nifty 200 TRI + 5% Domestic
prices of Physical Gold + 5%
Domestic prices of Physical Silver +
40% CRISIL 10 year Gilt Index
NFO Period19 Jun 2026 – 07 Jul 2026
Returns
Since Inception
-18.35%
Annualised (CAGR) returns for periods over a year.
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Rank in Category
| Period | This Fund | Category Avg. | Rank |
|---|---|---|---|
| 1W | -2.45% | -1.47% | 2 of 2 |
| 1M | -4.84% | -4.84% | 1 of 1 |
| YTD | -4.34% | -2.46% | 2 of 2 |
| INCEPTION | -18.35% | — | — |
Ranked among: Life Cycle Funds - Life Cycle Fund with Maturity of 10 Years.
NAV History
Expense Ratio Trend
Portfolio · Aug 2026
Asset Allocation
- Equity67.03%
- Debt21.67%
- Cash2.24%
- Other9.06%
Market Cap Split
- Large Cap36.76%
- Mid Cap28.90%
- Small Cap1.37%
- Others32.97%
Fundamentals
| Fund | Category | |
|---|---|---|
| P/E | 23.43 | 27.26 |
| P/B | 3.27 | 3.84 |
| Price / Sales | 2.80 | 3.39 |
| Price / Cash Flow | 16.54 | 20.44 |
| Dividend Yield (%) | 1.29 | 1.08 |
Holdings253
Top 5 Stocks11.35%
Top 10 Stocks16.19%
Top 3 Sectors21.36%
Holdings · Aug 2026
| Holding | Sector | Weight | Change (1M) |
|---|---|---|---|
| GOI LOAN 6.94% 2036 | Debt | 21.67% | -0.10% |
| Zerodha Gold ETF (GOLDCASE) | Others | 4.53% | +0.00% |
| Zerodha Silver ETF | Others | 4.53% | +0.01% |
| Clearing Corporation of India Limited | Others | 3.83% | — |
| Axis Bank | Banks | 2.95% | -0.43% |
| HDFC Bank | Banks | 2.58% | -0.12% |
| ICICI Bank | Banks | 2.48% | +0.04% |
| Reliance Industries | Petroleum Products | 2.05% | -0.04% |
| Bharti Airtel | Telecom - Services | 1.29% | -0.13% |
| Larsen & Toubro | Construction | 1.11% | +0.04% |
| State Bank of India | Banks | 1.03% | +0.04% |
| BSE | Capital Markets | 1.03% | -0.13% |
| Infosys | IT - Software | 0.93% | +0.01% |
| Kotak Bank | Banks | 0.74% | +0.06% |
| Federal Bank | Banks | 0.69% | +0.00% |
View all 256 holdings
| Bajaj Finance | Finance | 0.68% | -0.03% |
| Mahindra & Mahindra | Automobiles | 0.68% | -0.02% |
| MCX | Capital Markets | 0.67% | +0.13% |
| ITC | Diversified FMCG | 0.59% | -0.04% |
| Laurus Labs | Pharmaceuticals & Biotechnology | 0.57% | +0.02% |
| Tata Consultancy Services | IT - Software | 0.57% | +0.00% |
| One 97 Communications | Financial Technology (Fintech) | 0.55% | +0.11% |
| Eternal | Retailing | 0.55% | +0.03% |
| Hero Motocorp | Automobiles | 0.54% | +0.00% |
| Coforge | IT - Software | 0.54% | +0.03% |
| Indusind Bank | Banks | 0.51% | -0.01% |
| PB FinTech | Financial Technology (Fintech) | 0.50% | +0.07% |
| Titan | Consumer Durables | 0.49% | +0.01% |
| Sun Pharmaceutical | Pharmaceuticals & Biotechnology | 0.49% | -0.01% |
| Bharat Heavy Electricals | Electrical Equipment | 0.49% | +0.03% |
| Persistent Systems | IT - Software | 0.47% | +0.00% |
| AU Small Finance Bank | Banks | 0.47% | +0.01% |
| Dixon Technologies | Consumer Durables | 0.47% | +0.02% |
| Suzlon Energy | Electrical Equipment | 0.46% | +0.00% |
| IDFC First Bank | Banks | 0.45% | +0.01% |
| Bharat Forge | Auto Components | 0.43% | -0.03% |
| Maruti Suzuki | Automobiles | 0.42% | -0.01% |
| Hindustan Unilever | Diversified FMCG | 0.42% | -0.02% |
| Lupin | Pharmaceuticals & Biotechnology | 0.42% | -0.04% |
| GE Vernova T&D | Electrical Equipment | 0.42% | +0.01% |
| LIC of India | Insurance | 0.41% | +0.25% |
| Polycab | Industrial Products | 0.39% | +0.02% |
| Indus Towers | Telecom - Services | 0.39% | +0.01% |
| Ashok Leyland | Agricultural, Commercial & Construction Vehicles | 0.38% | +0.01% |
| Info Edge | Retailing | 0.38% | +0.03% |
| Aurobindo Pharma | Pharmaceuticals & Biotechnology | 0.37% | +0.04% |
| Nykaa | Retailing | 0.37% | +0.03% |
| Shriram Finance | Finance | 0.36% | +0.02% |
| Fortis Healthcare | Equity | 0.36% | -0.03% |
| NTPC | Power | 0.36% | -0.03% |
| Bharat Electronics | Aerospace & Defense | 0.36% | +0.04% |
| Hindalco Industries | Non - Ferrous Metals | 0.35% | +0.03% |
| Tata Steel | Ferrous Metals | 0.35% | -0.03% |
| Marico | Agricultural Food & other Products | 0.34% | -0.02% |
| HCL Technologies | IT - Software | 0.33% | -0.01% |
| Hitachi Energy | Electrical Equipment | 0.33% | +0.03% |
| Max Financial Services | Insurance | 0.32% | +0.01% |
| APL Apollo Tubes | Industrial Products | 0.32% | +0.06% |
| UltraTech Cement | Cement & Cement Products | 0.32% | -0.02% |
| Bajaj Auto | Automobiles | 0.32% | +0.02% |
| Yes Bank | Banks | 0.31% | +0.00% |
| Grasim Industries | Cement & Cement Products | 0.31% | +0.04% |
| Swiggy | Retailing | 0.31% | -0.01% |
| Vodafone Idea | Telecom - Services | 0.31% | +0.03% |
| ICICI Lombard General Insurance | Insurance | 0.30% | -0.01% |
| Glenmark Pharmaceuticals | Pharmaceuticals & Biotechnology | 0.30% | +0.04% |
| JSW Steel | Ferrous Metals | 0.30% | +0.01% |
| SRF | Chemicals & Petrochemicals | 0.29% | +0.00% |
| Adani Ports & SEZ | Transport Infrastructure | 0.29% | -0.01% |
| Interglobe Aviation | Transport Services | 0.29% | +0.01% |
| Bajaj Finserv | Finance | 0.28% | +0.00% |
| Asian Paints | Consumer Durables | 0.28% | +0.00% |
| Divis Laboratories | Pharmaceuticals & Biotechnology | 0.28% | +0.04% |
| Phoenix Mills | Realty | 0.28% | +0.00% |
| Power Grid Corporation of India | Power | 0.27% | -0.04% |
| MRF | Auto Components | 0.27% | +0.09% |
| KEI Industries | Industrial Products | 0.26% | +0.02% |
| Radico Khaitan | Beverages | 0.26% | -0.02% |
| NALCO | Non - Ferrous Metals | 0.26% | +0.01% |
| Oracle Financial Services Software | IT - Software | 0.26% | +0.05% |
| Eicher Motors | Automobiles | 0.26% | +0.00% |
| Hindustan Petroleum | Petroleum Products | 0.26% | -0.03% |
| Aditya Birla Capital | Finance | 0.25% | -0.01% |
| Nestle | Food Products | 0.25% | -0.01% |
| Mphasis | IT - Software | 0.25% | +0.01% |
| Alkem Laboratories | Pharmaceuticals & Biotechnology | 0.25% | -0.02% |
| GMR Airports | Transport Infrastructure | 0.25% | -0.04% |
| UPL | Fertilizers & Agrochemicals | 0.24% | -0.03% |
| Indian Bank | Banks | 0.24% | +0.00% |
| Havells | Consumer Durables | 0.24% | -0.01% |
| JSW Energy | Power | 0.24% | -0.03% |
| TVS Motors | Automobiles | 0.24% | +0.01% |
| Sundaram Finance | Finance | 0.24% | +0.00% |
| Tech Mahindra | IT - Software | 0.24% | -0.01% |
| Apar Industries | Electrical Equipment | 0.24% | +0.07% |
| Vishal Mega Mart | Retailing | 0.24% | +0.01% |
| NMDC | Minerals & Mining | 0.23% | +0.00% |
| 360 One WAM | Capital Markets | 0.23% | +0.00% |
| Tata Motors | Agricultural, Commercial & Construction Vehicles | 0.23% | +0.01% |
| Trent | Retailing | 0.23% | -0.01% |
| Tube Investment | Auto Components | 0.23% | +0.00% |
| Coal India | Consumable Fuels | 0.23% | -0.01% |
| Biocon | Pharmaceuticals & Biotechnology | 0.23% | -0.01% |
| NHPC | Power | 0.22% | -0.01% |
| Page Industries | Textiles & Apparels | 0.22% | +0.03% |
| Steel Authority of India | Ferrous Metals | 0.22% | +0.03% |
| Prestige Estates Projects | Realty | 0.22% | +0.00% |
| Oil & Natural Gas Corporation | Oil | 0.21% | -0.02% |
| L&T Finance | Finance | 0.21% | +0.00% |
| IPCA Laboratories | Pharmaceuticals & Biotechnology | 0.21% | +0.02% |
| Voltas | Consumer Durables | 0.21% | -0.03% |
| Apollo Hospitals | Equity | 0.21% | -0.01% |
| Godrej Properties | Realty | 0.21% | -0.01% |
| Hindustan Aeronautics | Aerospace & Defense | 0.21% | +0.00% |
| Mankind Pharma | Pharmaceuticals & Biotechnology | 0.21% | -0.01% |
| Oil India | Oil | 0.20% | +0.00% |
| Adani Power | Power | 0.19% | -0.02% |
| Adani Enterprises | Metals & Minerals Trading | 0.19% | -0.02% |
| Cholamandalam Investment | Finance | 0.19% | +0.00% |
| Cipla | Pharmaceuticals & Biotechnology | 0.19% | +0.00% |
| Colgate Palmolive | Personal Products | 0.19% | -0.03% |
| M&M Financial Services | Finance | 0.19% | -0.01% |
| Jio Financial Services | Finance | 0.19% | -0.01% |
| Waaree Energies | Electrical Equipment | 0.19% | -0.02% |
| SBI Life Insurance | Insurance | 0.18% | -0.02% |
| Dabur India | Personal Products | 0.18% | -0.02% |
| Kalyan Jewellers | Consumer Durables | 0.18% | -0.01% |
| Max Healthcare Institute | Equity | 0.18% | -0.02% |
| Coromandel International | Fertilizers & Agrochemicals | 0.18% | -0.02% |
| Petronet LNG | Gas | 0.18% | +0.01% |
| Torrent Power | Power | 0.18% | -0.04% |
| Samvardhana Motherson International | Auto Components | 0.18% | +0.02% |
| Lloyds Metals & Energy | Minerals & Mining | 0.18% | -0.03% |
| Supreme Industries | Industrial Products | 0.17% | +0.01% |
| ICICI Prudential Life Insurance | Insurance | 0.17% | +0.01% |
| Cummins | Industrial Products | 0.17% | +0.00% |
| Jindal Stainless | Ferrous Metals | 0.17% | +0.00% |
| Oberoi Realty | Realty | 0.17% | +0.01% |
| UNO Minda | Auto Components | 0.17% | +0.01% |
| JK Cement | Cement & Cement Products | 0.17% | -0.01% |
| Lenskart Solutions | Retailing | 0.17% | +0.02% |
| Tata Consumer Products | Agricultural Food & other Products | 0.17% | +0.01% |
| Torrent Pharmaceuticals | Pharmaceuticals & Biotechnology | 0.17% | -0.01% |
| Exide Industries | Auto Components | 0.16% | +0.00% |
| Bharat Petroleum | Petroleum Products | 0.16% | +0.00% |
| Avenue Supermarts DMart | Retailing | 0.16% | +0.01% |
| Tata Motors Passenger Vehicles | Automobiles | 0.16% | -0.01% |
| Dr Reddys Laboratories | Pharmaceuticals & Biotechnology | 0.16% | +0.01% |
| Nippon Life India AMC | Capital Markets | 0.16% | -0.01% |
| Indian Hotels Company | Leisure Services | 0.15% | -0.01% |
| Jubilant FoodWorks | Leisure Services | 0.15% | +0.01% |
| JSW Infrastructure | Transport Infrastructure | 0.15% | -0.03% |
| Britannia Industries | Food Products | 0.15% | +0.00% |
| Blue Star | Consumer Durables | 0.15% | -0.02% |
| Tata Communications | Telecom - Services | 0.15% | +0.00% |
| SBI Cards | Finance | 0.15% | -0.01% |
| HDFC Life Insurance | Insurance | 0.15% | +0.00% |
| CG Power & Industrial Solutions | Electrical Equipment | 0.15% | +0.00% |
| Tata Power | Power | 0.14% | -0.02% |
| Gujarat Fluorochemicals | Chemicals & Petrochemicals | 0.14% | -0.01% |
| Astral | Industrial Products | 0.14% | +0.01% |
| Bank of India | Banks | 0.14% | +0.00% |
| LG Electronics | Consumer Durables | 0.14% | +0.02% |
| Container Corporation of India | Transport Services | 0.14% | -0.01% |
| PI Industries | Fertilizers & Agrochemicals | 0.14% | -0.03% |
| ITC Hotels | Leisure Services | 0.14% | -0.01% |
| Balkrishna Industries | Auto Components | 0.14% | -0.02% |
| Adani Total Gas | Gas | 0.13% | -0.02% |
| Varun Beverages | Beverages | 0.13% | -0.02% |
| Schaeffler India | Auto Components | 0.13% | +0.00% |
| HDFC AMC | Capital Markets | 0.13% | +0.00% |
| AIA Engineering | Industrial Products | 0.13% | -0.01% |
| Bajaj Holdings & Investments | Finance | 0.12% | +0.00% |
| Solar Industries | Chemicals & Petrochemicals | 0.12% | +0.01% |
| LIC Housing Finance | Finance | 0.12% | -0.01% |
| Motilal Oswal Financial Services | Capital Markets | 0.12% | +0.03% |
| Bank of Maharashtra | Banks | 0.12% | -0.01% |
| Wipro | IT - Software | 0.11% | +0.00% |
| GAIL | Gas | 0.11% | +0.00% |
| Pidilite Industries | Chemicals & Petrochemicals | 0.11% | -0.01% |
| Indian Oil Corporation | Petroleum Products | 0.11% | -0.02% |
| KPR Mill | Textiles & Apparels | 0.11% | +0.03% |
| Adani Energy Solutions | Power | 0.11% | -0.02% |
| Ajanta Pharma | Pharmaceuticals & Biotechnology | 0.11% | +0.01% |
| ICICI Prudential Asset Management | Capital Markets | 0.11% | -0.01% |
| Thermax | Electrical Equipment | 0.11% | -0.01% |
| Power Finance Corporation | Finance | 0.11% | -0.05% |
| Groww | Capital Markets | 0.11% | -0.01% |
| Authum Inv & Infr | Finance | 0.11% | +0.01% |
| DLF | Realty | 0.11% | +0.02% |
| Dalmia Bharat | Cement & Cement Products | 0.11% | -0.01% |
| Jindal Steel | Ferrous Metals | 0.11% | +0.02% |
| IRCTC | Leisure Services | 0.10% | +0.00% |
| CRISIL | Finance | 0.10% | +0.03% |
| GlaxoSmithKline Pharmaceuticals | Pharmaceuticals & Biotechnology | 0.10% | +0.02% |
| Vedanta | Diversified Metals | 0.10% | +0.00% |
| Apollo Tyres | Auto Components | 0.10% | +0.00% |
| GIC of India | Insurance | 0.10% | +0.00% |
| Canara Bank | Banks | 0.10% | +0.01% |
| Berger Paints | Consumer Durables | 0.10% | +0.00% |
| Bosch | Auto Components | 0.10% | +0.02% |
| Patanjali Foods | Agricultural Food & other Products | 0.10% | +0.01% |
| Rail Vikas Nigam | Construction | 0.10% | +0.01% |
| Bank of Baroda | Banks | 0.10% | +0.00% |
| United Spirits | Beverages | 0.10% | +0.00% |
| Premier Energies | Electrical Equipment | 0.10% | +0.01% |
| HDB Financial Services | Finance | 0.10% | -0.02% |
| LTM | IT - Software | 0.09% | +0.01% |
| AWL Agri Business | Agricultural Food & other Products | 0.09% | +0.02% |
| REC | Finance | 0.09% | -0.01% |
| Bharat Dynamics | Aerospace & Defense | 0.09% | +0.01% |
| Adani Green Energy | Power | 0.09% | -0.01% |
| Bharti Hexacom | Telecom - Services | 0.09% | +0.01% |
| Tata Elxsi | IT - Software | 0.09% | +0.00% |
| ABB | Electrical Equipment | 0.09% | +0.00% |
| Lodha Developers | Realty | 0.09% | +0.02% |
| 3M India | Diversified | 0.09% | -0.02% |
| Linde | Chemicals & Petrochemicals | 0.09% | -0.02% |
| Siemens | Electrical Equipment | 0.09% | +0.02% |
| Cochin Shipyard | Industrial Manufacturing | 0.09% | +0.01% |
| Abbott | Pharmaceuticals & Biotechnology | 0.09% | -0.02% |
| Punjab National Bank | Banks | 0.09% | +0.01% |
| Global Health | Equity | 0.09% | +0.01% |
| Union Bank of India | Banks | 0.08% | +0.01% |
| Godrej Consumer Products | Personal Products | 0.08% | -0.01% |
| Endurance Technologies | Auto Components | 0.08% | +0.01% |
| Escorts Kubota | Agricultural, Commercial & Construction Vehicles | 0.08% | +0.01% |
| IREDA | Finance | 0.07% | +0.00% |
| HUDCO | Finance | 0.07% | +0.00% |
| Zydus Life Science | Pharmaceuticals & Biotechnology | 0.07% | +0.01% |
| L&T Technology Services | IT - Services | 0.07% | +0.00% |
| Hindustan Zinc | Non - Ferrous Metals | 0.07% | +0.01% |
| Siemens Energy | Electrical Equipment | 0.07% | +0.01% |
| NLC India | Power | 0.07% | -0.01% |
| Shree Cement | Cement & Cement Products | 0.07% | +0.00% |
| Muthoot Finance | Finance | 0.07% | +0.00% |
| Hyundai Motor India | Automobiles | 0.07% | +0.00% |
| Bajaj Housing Finance | Finance | 0.07% | +0.00% |
| Godfrey Phillips | Cigarettes & Tobacco Products | 0.06% | +0.00% |
| KPIT Technologies | IT - Software | 0.06% | -0.01% |
| Tata Investment Corporation | Finance | 0.06% | +0.00% |
| Anthem Biosciences | Pharmaceuticals & Biotechnology | 0.06% | +0.01% |
| ACC | Cement & Cement Products | 0.06% | +0.00% |
| Ambuja Cements | Cement & Cement Products | 0.06% | +0.00% |
| Hexaware Technologies | IT - Software | 0.06% | +0.00% |
| United Breweries | Beverages | 0.06% | -0.01% |
| NTPC Green Energy | Power | 0.06% | +0.00% |
| Honeywell Automation | Industrial Manufacturing | 0.05% | +0.00% |
| Tata Capital | Finance | 0.05% | +0.02% |
| Mazagon Dock Shipbuilders | Industrial Manufacturing | 0.05% | +0.02% |
| Godrej Industries | Diversified | 0.04% | +0.01% |
| IRFC | Finance | 0.04% | -0.01% |
| The New India Assurance Company | Insurance | 0.04% | +0.01% |
| SJVN | Power | 0.03% | +0.00% |
| Net Receivable / Payable | Net Current Assets | -1.59% | — |
| Axis Bank Limited 25/08/2026 | Banks | -2.03% | — |
Sector Allocation · Aug 2026
View all 45 sectors
Compare With Peers
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
| ICICI Prudential Life Cycle Fund 2036 | — | — | — | -13.24% |
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About This Scheme
Investment Objective
The primary objective of the Zerodha Life Cycle Fund 2036 is to provide a goal-based investment solution that seeks to generate long-term capital appreciation by investing across various asset classes i.e., Equity, Debt, InvITs, ETCDs, Gold and 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 that the investment objective of the Scheme will be achieved.
Stated Asset Allocation
The asset allocation will be as follows: Equity and Equity Related : (Maturity Years) 5-10 Yr - 50% to 65%, 3-5 Yr - 35% to 50 %, 1-3 Yr - 20% to 35%, <1 Yr 5% to 20% Debt and Debt Related : (Maturity Years) 5-10 Yr - 5% to 25%, 3-5 Yr - 25% to 50 %, 1-3 Yr - 25% to 65%, <1 Yr 25% to 65% Gold ETFs*/Silver ETFs/ETCDs/InvITs : (Maturity Years) 5-10 Yr - 0% to 10%, 3-5 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.