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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 ₹9.29 23 Oct 2026 52W High ₹10.19 25 Aug 2026
₹9.6923 NAV as of 4 Nov 2026 +1.32% day change
ISININF0R8F01224
Scheme Code154436
StructureOpen Ended Schemes
Fund HouseZerodha Asset Management Private Limited
AUM (avg. July - September 2026)₹16.16 Cr
Expense Ratio (as of 4 Nov 2026)0.92%
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 -9.11%

Annualised (CAGR) returns for periods over a year.

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Rank in Category

PeriodThis FundCategory Avg.Rank
1W +3.16% +3.06% 1 of 2
1M +1.47% +0.83% 1 of 2
3M -3.83% -3.83% 1 of 1
YTD -2.94% -1.67% 2 of 2
INCEPTION -9.11% — —

Ranked among: Life Cycle Funds - Life Cycle Fund with Maturity of 10 Years.

Rolling Returns

PeriodAverageBestWorstPositive PeriodsConsistency
3M -4.89% -3.45% -5.99% 0% -2%

Rolling returns show the average, best and worst outcome an investor would have seen entering at any point in the window.

NAV History

Expense Ratio Trend

Portfolio · Sep 2026

Asset Allocation

  • Equity66.74%
  • Debt21.67%
  • Cash2.70%
  • Other8.89%

Market Cap Split

  • Large Cap37.22%
  • Mid Cap28.23%
  • Small Cap1.29%
  • Others33.26%

Fundamentals

FundCategory
P/E21.9225.49
P/B2.993.66
Price / Sales2.652.92
Price / Cash Flow15.6518.61
Dividend Yield (%)1.411.14
Holdings253
Top 5 Stocks12.26%
Top 10 Stocks17.00%
Top 3 Sectors21.95%

Holdings · Sep 2026

HoldingSectorWeightChange (1M)
GOI LOAN 6.94% 2036 Debt 21.67% +0.00%
Zerodha Gold ETF (GOLDCASE) Others 4.47% -0.06%
Zerodha Silver ETF Others 4.42% -0.11%
HDFC Bank Banks 4.24% +1.66%
Clearing Corporation of India Limited Net Current Assets 2.49% —
ICICI Bank Banks 2.36% -0.12%
Axis Bank Banks 2.36% -0.59%
Reliance Industries Petroleum Products 1.98% -0.07%
Bharti Airtel Telecom - Services 1.32% +0.03%
Larsen & Toubro Construction 1.09% -0.02%
BSE Capital Markets 1.03% +0.00%
State Bank of India Banks 0.98% -0.05%
Infosys IT - Software 0.88% -0.05%
Kotak Bank Banks 0.76% +0.02%
MCX Capital Markets 0.69% +0.02%
View all 257 holdings
Mahindra & Mahindra Automobiles 0.65% -0.03%
Bajaj Finance Finance 0.64% -0.04%
Federal Bank Banks 0.64% -0.05%
ITC Diversified FMCG 0.63% +0.04%
Laurus Labs Pharmaceuticals & Biotechnology 0.63% +0.06%
One 97 Communications Financial Technology (Fintech) 0.58% +0.03%
Eternal Retailing 0.58% +0.03%
Hero Motocorp Automobiles 0.55% +0.01%
Tata Consultancy Services IT - Software 0.52% -0.05%
Bharat Heavy Electricals Electrical Equipment 0.49% +0.00%
Coforge IT - Software 0.49% -0.05%
Indusind Bank Banks 0.48% -0.03%
Sun Pharmaceutical Pharmaceuticals & Biotechnology 0.48% -0.01%
Titan Consumer Durables 0.47% -0.02%
AU Small Finance Bank Banks 0.47% +0.00%
Persistent Systems IT - Software 0.46% -0.01%
Dixon Technologies Consumer Durables 0.45% -0.02%
IDFC First Bank Banks 0.44% -0.01%
GE Vernova T&D Electrical Equipment 0.42% +0.00%
Bharat Forge Auto Components 0.42% -0.01%
Hindustan Unilever Diversified FMCG 0.41% -0.01%
LIC of India Insurance 0.41% +0.00%
Lupin Pharmaceuticals & Biotechnology 0.40% -0.02%
Indus Towers Telecom - Services 0.39% +0.00%
Suzlon Energy Electrical Equipment 0.39% -0.07%
NTPC Power 0.39% +0.03%
Info Edge Retailing 0.39% +0.01%
Tata Steel Ferrous Metals 0.39% +0.04%
Maruti Suzuki Automobiles 0.38% -0.04%
Aurobindo Pharma Pharmaceuticals & Biotechnology 0.38% +0.01%
Ashok Leyland Agricultural, Commercial & Construction Vehicles 0.37% -0.01%
Nykaa Retailing 0.36% -0.01%
Polycab Industrial Products 0.35% -0.04%
Bharat Electronics Aerospace & Defense 0.35% -0.01%
Hindalco Industries Non - Ferrous Metals 0.34% -0.01%
Shriram Finance Finance 0.34% -0.02%
Marico Agricultural Food & other Products 0.34% +0.00%
Fortis Healthcare Equity 0.34% -0.02%
ICICI Lombard General Insurance Insurance 0.33% +0.03%
HCL Technologies IT - Software 0.32% -0.01%
Adani Ports & SEZ Transport Infrastructure 0.32% +0.03%
APL Apollo Tubes Industrial Products 0.32% +0.00%
UltraTech Cement Cement & Cement Products 0.32% +0.00%
Hitachi Energy Electrical Equipment 0.31% -0.02%
Yes Bank Banks 0.31% +0.00%
Bajaj Auto Automobiles 0.30% -0.02%
Max Financial Services Insurance 0.30% -0.02%
PB FinTech Financial Technology (Fintech) 0.30% -0.20%
Divis Laboratories Pharmaceuticals & Biotechnology 0.29% +0.01%
Swiggy Retailing 0.29% -0.02%
Interglobe Aviation Transport Services 0.29% +0.00%
Phoenix Mills Realty 0.29% +0.01%
Power Grid Corporation of India Power 0.29% +0.02%
JSW Steel Ferrous Metals 0.29% -0.01%
Glenmark Pharmaceuticals Pharmaceuticals & Biotechnology 0.28% -0.02%
Grasim Industries Cement & Cement Products 0.28% -0.03%
SRF Chemicals & Petrochemicals 0.28% -0.01%
Vodafone Idea Telecom - Services 0.28% -0.03%
GMR Airports Transport Infrastructure 0.27% +0.02%
Radico Khaitan Beverages 0.27% +0.01%
Hindustan Petroleum Petroleum Products 0.27% +0.01%
UPL Fertilizers & Agrochemicals 0.26% +0.02%
Asian Paints Consumer Durables 0.26% -0.02%
Coal India Consumable Fuels 0.26% +0.03%
Aditya Birla Capital Finance 0.25% +0.00%
Nestle Food Products 0.24% -0.01%
NALCO Non - Ferrous Metals 0.24% -0.02%
Alkem Laboratories Pharmaceuticals & Biotechnology 0.24% -0.01%
Sundaram Finance Finance 0.24% +0.00%
Eicher Motors Automobiles 0.24% -0.02%
Apar Industries Electrical Equipment 0.24% +0.00%
Mphasis IT - Software 0.24% -0.01%
Bajaj Finserv Finance 0.24% -0.04%
MRF Auto Components 0.24% -0.03%
JSW Energy Power 0.24% +0.00%
TVS Motors Automobiles 0.23% -0.01%
Tech Mahindra IT - Software 0.23% -0.01%
Hindustan Aeronautics Aerospace & Defense 0.23% +0.02%
Mankind Pharma Pharmaceuticals & Biotechnology 0.23% +0.02%
KEI Industries Industrial Products 0.23% -0.03%
Vishal Mega Mart Retailing 0.23% -0.01%
Indian Bank Banks 0.22% -0.02%
NHPC Power 0.22% +0.00%
Tube Investment Auto Components 0.22% -0.01%
Tata Motors Agricultural, Commercial & Construction Vehicles 0.21% -0.02%
Oil & Natural Gas Corporation Oil 0.21% +0.00%
Biocon Pharmaceuticals & Biotechnology 0.21% -0.02%
IPCA Laboratories Pharmaceuticals & Biotechnology 0.21% +0.00%
NMDC Minerals & Mining 0.21% -0.02%
Trent Retailing 0.21% -0.02%
Steel Authority of India Ferrous Metals 0.21% -0.01%
Page Industries Textiles & Apparels 0.21% -0.01%
360 One WAM Capital Markets 0.21% -0.02%
Adani Power Power 0.21% +0.02%
Net Receivable / Payable Net Current Assets 0.21% —
Oracle Financial Services Software IT - Software 0.20% -0.06%
Apollo Hospitals Equity 0.20% -0.01%
Adani Enterprises Metals & Minerals Trading 0.20% +0.01%
Oil India Oil 0.20% +0.00%
Prestige Estates Projects Realty 0.20% -0.02%
Lloyds Metals & Energy Minerals & Mining 0.20% +0.02%
Havells Consumer Durables 0.20% -0.04%
Voltas Consumer Durables 0.19% -0.02%
Torrent Power Power 0.19% +0.01%
SBI Life Insurance Insurance 0.19% +0.01%
Colgate Palmolive Personal Products 0.19% +0.00%
Jindal Stainless Ferrous Metals 0.19% +0.02%
Dr Reddys Laboratories Pharmaceuticals & Biotechnology 0.19% +0.03%
Dabur India Personal Products 0.18% +0.00%
Lenskart Solutions Retailing 0.18% +0.01%
Cipla Pharmaceuticals & Biotechnology 0.18% -0.01%
Supreme Industries Industrial Products 0.18% +0.01%
Waaree Energies Electrical Equipment 0.18% -0.01%
JK Cement Cement & Cement Products 0.18% +0.01%
Petronet LNG Gas 0.18% +0.00%
Jio Financial Services Finance 0.18% -0.01%
Godrej Properties Realty 0.18% -0.03%
UNO Minda Auto Components 0.18% +0.01%
Samvardhana Motherson International Auto Components 0.18% +0.00%
L&T Finance Finance 0.18% -0.03%
Max Healthcare Institute Equity 0.17% -0.01%
Coromandel International Fertilizers & Agrochemicals 0.17% -0.01%
Torrent Pharmaceuticals Pharmaceuticals & Biotechnology 0.17% +0.00%
M&M Financial Services Finance 0.17% -0.02%
Oberoi Realty Realty 0.17% +0.00%
Kalyan Jewellers Consumer Durables 0.17% -0.01%
JSW Infrastructure Transport Infrastructure 0.17% +0.02%
Cholamandalam Investment Finance 0.17% -0.02%
Blue Star Consumer Durables 0.16% +0.01%
Tata Motors Passenger Vehicles Automobiles 0.16% +0.00%
Indian Hotels Company Leisure Services 0.16% +0.01%
Tata Power Power 0.16% +0.02%
Bharat Petroleum Petroleum Products 0.16% +0.00%
Avenue Supermarts DMart Retailing 0.16% +0.00%
Cummins Industrial Products 0.16% -0.01%
Tata Consumer Products Agricultural Food & other Products 0.16% -0.01%
Tata Communications Telecom - Services 0.15% +0.00%
PI Industries Fertilizers & Agrochemicals 0.15% +0.01%
ICICI Prudential Life Insurance Insurance 0.15% -0.02%
LG Electronics Consumer Durables 0.15% +0.01%
Gujarat Fluorochemicals Chemicals & Petrochemicals 0.15% +0.01%
Varun Beverages Beverages 0.15% +0.02%
ITC Hotels Leisure Services 0.15% +0.01%
Nippon Life India AMC Capital Markets 0.15% -0.01%
Exide Industries Auto Components 0.14% -0.02%
Jubilant FoodWorks Leisure Services 0.14% -0.01%
CG Power & Industrial Solutions Electrical Equipment 0.14% -0.01%
Balkrishna Industries Auto Components 0.14% +0.00%
Adani Total Gas Gas 0.14% +0.01%
SBI Cards Finance 0.14% -0.01%
Britannia Industries Food Products 0.14% -0.01%
Astral Industrial Products 0.13% -0.01%
HDFC Life Insurance Insurance 0.13% -0.02%
Schaeffler India Auto Components 0.13% +0.00%
AIA Engineering Industrial Products 0.13% +0.00%
ICICI Prudential Asset Management Capital Markets 0.13% +0.02%
Ajanta Pharma Pharmaceuticals & Biotechnology 0.13% +0.02%
Container Corporation of India Transport Services 0.13% -0.01%
Motilal Oswal Financial Services Capital Markets 0.12% +0.00%
Bank of Maharashtra Banks 0.12% +0.00%
Power Finance Corporation Finance 0.12% +0.01%
Authum Inv & Infr Finance 0.12% +0.01%
Bank of India Banks 0.12% -0.02%
HDFC AMC Capital Markets 0.12% -0.01%
Indian Oil Corporation Petroleum Products 0.12% +0.01%
LIC Housing Finance Finance 0.12% +0.00%
Groww Capital Markets 0.11% +0.00%
GAIL Gas 0.11% +0.00%
Solar Industries Chemicals & Petrochemicals 0.11% -0.01%
IRCTC Leisure Services 0.11% +0.01%
Thermax Electrical Equipment 0.11% +0.00%
Dalmia Bharat Cement & Cement Products 0.11% +0.00%
DLF Realty 0.11% +0.00%
Adani Energy Solutions Power 0.11% +0.00%
Vedanta Diversified Metals 0.11% +0.01%
Bajaj Holdings & Investments Finance 0.11% -0.01%
GIC of India Insurance 0.11% +0.01%
HDB Financial Services Finance 0.11% +0.01%
Adani Green Energy Power 0.11% +0.02%
Linde Chemicals & Petrochemicals 0.11% +0.02%
Berger Paints Consumer Durables 0.11% +0.01%
Pidilite Industries Chemicals & Petrochemicals 0.11% +0.00%
Apollo Tyres Auto Components 0.11% +0.01%
Punjab National Bank Banks 0.10% +0.01%
Abbott Pharmaceuticals & Biotechnology 0.10% +0.01%
Canara Bank Banks 0.10% +0.00%
Jindal Steel Ferrous Metals 0.10% -0.01%
Patanjali Foods Agricultural Food & other Products 0.10% +0.00%
LTM IT - Software 0.10% +0.01%
United Spirits Beverages 0.10% +0.00%
KPR Mill Textiles & Apparels 0.10% -0.01%
Wipro IT - Software 0.10% -0.01%
Bank of Baroda Banks 0.10% +0.00%
Global Health Equity 0.09% +0.00%
Bharti Hexacom Telecom - Services 0.09% +0.00%
Rail Vikas Nigam Construction 0.09% -0.01%
Bosch Auto Components 0.09% -0.01%
Cochin Shipyard Industrial Manufacturing 0.09% +0.00%
Bharat Dynamics Aerospace & Defense 0.09% +0.00%
Godrej Consumer Products Personal Products 0.09% +0.01%
GlaxoSmithKline Pharmaceuticals Pharmaceuticals & Biotechnology 0.09% -0.01%
REC Finance 0.09% +0.00%
Siemens Electrical Equipment 0.08% -0.01%
Endurance Technologies Auto Components 0.08% +0.00%
AWL Agri Business Agricultural Food & other Products 0.08% -0.01%
CRISIL Finance 0.08% -0.02%
Union Bank of India Banks 0.08% +0.00%
Tata Elxsi IT - Software 0.08% -0.01%
ABB Electrical Equipment 0.08% -0.01%
Lodha Developers Realty 0.08% -0.01%
Premier Energies Electrical Equipment 0.08% -0.02%
Bajaj Housing Finance Finance 0.08% +0.01%
3M India Diversified 0.08% -0.01%
Muthoot Finance Finance 0.08% +0.01%
IREDA Finance 0.08% +0.01%
Escorts Kubota Agricultural, Commercial & Construction Vehicles 0.07% -0.01%
Hyundai Motor India Automobiles 0.07% +0.00%
NLC India Power 0.07% +0.00%
United Breweries Beverages 0.07% +0.01%
L&T Technology Services IT - Services 0.07% +0.00%
Tata Investment Corporation Finance 0.07% +0.01%
KPIT Technologies IT - Software 0.07% +0.01%
Hindustan Zinc Non - Ferrous Metals 0.06% -0.01%
HUDCO Finance 0.06% -0.01%
Siemens Energy Electrical Equipment 0.06% -0.01%
Anthem Biosciences Pharmaceuticals & Biotechnology 0.06% +0.00%
NTPC Green Energy Power 0.06% +0.00%
Zydus Life Science Pharmaceuticals & Biotechnology 0.06% -0.01%
Shree Cement Cement & Cement Products 0.06% -0.01%
Ambuja Cements Cement & Cement Products 0.05% -0.01%
Hexaware Technologies IT - Software 0.05% -0.01%
ACC Cement & Cement Products 0.05% -0.01%
Godfrey Phillips Cigarettes & Tobacco Products 0.05% -0.01%
Honeywell Automation Industrial Manufacturing 0.05% +0.00%
Mazagon Dock Shipbuilders Industrial Manufacturing 0.04% -0.01%
Tata Capital Finance 0.04% -0.01%
IRFC Finance 0.03% -0.01%
The New India Assurance Company Insurance 0.03% -0.01%
SJVN Power 0.03% +0.00%
Godrej Industries Diversified 0.03% -0.01%
Axis Bank Limited 27/10/2026 Banks -1.47% —
HDFC Bank Limited 27/10/2026 Banks -1.56% —

Sector Allocation · Sep 2026

View all 45 sectors
  • Consumer Durables 2.16%
  • Power 2.08%
  • Auto Components 1.93%
  • Insurance 1.65%
  • Industrial Products 1.50%
  • Construction 1.18%
  • Ferrous Metals 1.18%
  • Cement & Cement Products 1.05%
  • Diversified FMCG 1.04%
  • Realty 1.03%
  • Financial Technology (Fintech) 0.88%
  • Healthcare Services 0.80%
  • Transport Infrastructure 0.76%
  • Chemicals & Petrochemicals 0.76%
  • Agricultural Food & other Products 0.68%
  • Aerospace & Defense 0.67%
  • Agricultural, Commercial & Construction Vehicles 0.65%
  • Non - Ferrous Metals 0.64%
  • Beverages 0.59%
  • Fertilizers & Agrochemicals 0.58%
  • Leisure Services 0.56%
  • Personal Products 0.46%
  • Gas 0.43%
  • Transport Services 0.42%
  • Oil 0.41%
  • Minerals & Mining 0.41%
  • Food Products 0.38%
  • Textiles & Apparels 0.31%
  • Consumable Fuels 0.26%
  • Metals & Minerals Trading 0.20%
  • Industrial Manufacturing 0.18%
  • Diversified Metals 0.11%
  • Diversified 0.11%
  • IT - Services 0.07%
  • Cigarettes & Tobacco Products 0.05%

Risk Metrics

Sharpe Ratio

PeriodFundCategory
3Y -3.49 -3.49 Average
What is this?

Annualized Sharpe ratio calculated from month-end NAV returns using the latest available FBIL Overnight MIBOR rate as the risk-free rate. For schemes with less than three years of history, the 3Y value uses since-inception data. Applied risk-free rate: 5.73% (published 2026-10-28).

Compare With Peers

Scheme 1Y3Y5YSince Inception
ICICI Prudential Life Cycle Fund 2036
— — — -2.90%

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Zerodha Gold ETF FoF
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Zerodha Gold ETF
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Zerodha Overnight Fund
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Zerodha Nifty 1D Rate Liquid ETF
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Zerodha Nifty Smallcap 100 ETF
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Zerodha Multi Asset Passive FoF
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+2.85% — — +8.27%
Zerodha Nifty 8-13 Yr G-Sec ETF
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+2.04% — — +2.73%
Zerodha Nifty Midcap 150 ETF
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-0.06% — — +3.17%

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

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.

Market Closed · Opens 9:15 AM
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