Zerodha Life Cycle Fund 2036
Direct Plan · Growth Option · Zerodha Mutual Fund
Returns
Annualised (CAGR) returns for periods over a year.
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Rank in Category
| Period | This Fund | Category 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
| Period | Average | Best | Worst | Positive Periods | Consistency |
|---|---|---|---|---|---|
| 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
| Fund | Category | |
|---|---|---|
| P/E | 21.92 | 25.49 |
| P/B | 2.99 | 3.66 |
| Price / Sales | 2.65 | 2.92 |
| Price / Cash Flow | 15.65 | 18.61 |
| Dividend Yield (%) | 1.41 | 1.14 |
Holdings · Sep 2026
| Holding | Sector | Weight | Change (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
Risk Metrics
Sharpe Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 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 | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
| ICICI Prudential Life Cycle Fund 2036 | — | — | — | -2.90% |
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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
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.
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