Zerodha Life Cycle Fund 2041
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 | +3.62% | +3.84% | 2 of 2 |
| 1M | +1.85% | +1.20% | 1 of 2 |
| 3M | -4.42% | -4.42% | 1 of 1 |
| YTD | -3.35% | -1.74% | 2 of 2 |
| INCEPTION | -10.34% | — | — |
Ranked among: Life Cycle Funds - Life Cycle Fund with Maturity of 15 Years.
Rolling Returns
| Period | Average | Best | Worst | Positive Periods | Consistency |
|---|---|---|---|---|---|
| 3M | -5.56% | -3.93% | -6.80% | 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
- Equity76.69%
- Debt12.35%
- Cash2.07%
- Other8.89%
Market Cap Split
- Large Cap41.18%
- Mid Cap33.90%
- Small Cap1.61%
- Others23.31%
Fundamentals
| Fund | Category | |
|---|---|---|
| P/E | 22.42 | 25.49 |
| P/B | 3.14 | 3.66 |
| Price / Sales | 2.59 | 2.92 |
| Price / Cash Flow | 15.63 | 18.61 |
| Dividend Yield (%) | 1.44 | 1.14 |
Holdings · Sep 2026
| Holding | Sector | Weight | Change (1M) |
|---|---|---|---|
| GOI LOAN 6.94% 2036 | Debt | 12.35% | -0.48% |
| Zerodha Gold ETF (GOLDCASE) | Others | 4.47% | -0.07% |
| Zerodha Silver ETF | Others | 4.42% | -0.13% |
| HDFC Bank | Banks | 3.24% | +0.12% |
| ICICI Bank | Banks | 2.83% | -0.16% |
| Reliance Industries | Petroleum Products | 2.39% | -0.08% |
| Clearing Corporation of India Limited | Net Current Assets | 2.05% | — |
| Bharti Airtel | Telecom - Services | 1.61% | +0.04% |
| Larsen & Toubro | Construction | 1.32% | -0.03% |
| BSE | Capital Markets | 1.24% | -0.01% |
| State Bank of India | Banks | 1.20% | -0.05% |
| Axis Bank | Banks | 1.06% | +0.00% |
| Infosys | IT - Software | 1.05% | -0.09% |
| Kotak Bank | Banks | 0.93% | +0.04% |
| MCX | Capital Markets | 0.83% | +0.01% |
View all 255 holdings
| Mahindra & Mahindra | Automobiles | 0.79% | -0.05% |
| Federal Bank | Banks | 0.77% | -0.06% |
| Bajaj Finance | Finance | 0.76% | -0.05% |
| ITC | Diversified FMCG | 0.75% | +0.04% |
| Laurus Labs | Pharmaceuticals & Biotechnology | 0.75% | +0.05% |
| One 97 Communications | Financial Technology (Fintech) | 0.69% | +0.01% |
| Eternal | Retailing | 0.68% | +0.00% |
| Hero Motocorp | Automobiles | 0.66% | -0.01% |
| Tata Consultancy Services | IT - Software | 0.62% | -0.08% |
| Bharat Heavy Electricals | Electrical Equipment | 0.60% | -0.01% |
| Coforge | IT - Software | 0.60% | -0.04% |
| Sun Pharmaceutical | Pharmaceuticals & Biotechnology | 0.58% | -0.02% |
| Indusind Bank | Banks | 0.57% | -0.06% |
| AU Small Finance Bank | Banks | 0.56% | -0.02% |
| Titan | Consumer Durables | 0.56% | -0.04% |
| Persistent Systems | IT - Software | 0.56% | -0.01% |
| Dixon Technologies | Consumer Durables | 0.54% | -0.04% |
| IDFC First Bank | Banks | 0.53% | -0.01% |
| GE Vernova T&D | Electrical Equipment | 0.51% | +0.00% |
| Hindustan Unilever | Diversified FMCG | 0.50% | +0.00% |
| Bharat Forge | Auto Components | 0.50% | -0.03% |
| LIC of India | Insurance | 0.50% | +0.01% |
| Lupin | Pharmaceuticals & Biotechnology | 0.49% | -0.01% |
| Indus Towers | Telecom - Services | 0.48% | +0.01% |
| Maruti Suzuki | Automobiles | 0.47% | -0.04% |
| Suzlon Energy | Electrical Equipment | 0.47% | -0.07% |
| NTPC | Power | 0.46% | +0.01% |
| Aurobindo Pharma | Pharmaceuticals & Biotechnology | 0.46% | +0.01% |
| Tata Steel | Ferrous Metals | 0.46% | +0.03% |
| Info Edge | Retailing | 0.46% | -0.02% |
| Ashok Leyland | Agricultural, Commercial & Construction Vehicles | 0.44% | -0.04% |
| Nykaa | Retailing | 0.43% | -0.01% |
| Bharat Electronics | Aerospace & Defense | 0.42% | +0.01% |
| Shriram Finance | Finance | 0.41% | -0.02% |
| Polycab | Industrial Products | 0.41% | -0.06% |
| Marico | Agricultural Food & other Products | 0.41% | +0.01% |
| Hindalco Industries | Non - Ferrous Metals | 0.41% | -0.02% |
| Fortis Healthcare | Equity | 0.40% | -0.04% |
| Adani Ports & SEZ | Transport Infrastructure | 0.39% | +0.05% |
| UltraTech Cement | Cement & Cement Products | 0.39% | +0.00% |
| HCL Technologies | IT - Software | 0.39% | -0.01% |
| ICICI Lombard General Insurance | Insurance | 0.38% | +0.02% |
| APL Apollo Tubes | Industrial Products | 0.38% | +0.00% |
| Hitachi Energy | Electrical Equipment | 0.37% | -0.02% |
| Yes Bank | Banks | 0.36% | -0.02% |
| PB FinTech | Financial Technology (Fintech) | 0.36% | -0.25% |
| Bajaj Auto | Automobiles | 0.35% | -0.05% |
| Vodafone Idea | Telecom - Services | 0.35% | -0.02% |
| Max Financial Services | Insurance | 0.35% | -0.04% |
| Swiggy | Retailing | 0.35% | -0.03% |
| Phoenix Mills | Realty | 0.35% | +0.01% |
| SRF | Chemicals & Petrochemicals | 0.35% | +0.00% |
| JSW Steel | Ferrous Metals | 0.35% | +0.00% |
| Power Grid Corporation of India | Power | 0.35% | +0.00% |
| Divis Laboratories | Pharmaceuticals & Biotechnology | 0.34% | +0.00% |
| Glenmark Pharmaceuticals | Pharmaceuticals & Biotechnology | 0.34% | -0.02% |
| Grasim Industries | Cement & Cement Products | 0.34% | -0.03% |
| GMR Airports | Transport Infrastructure | 0.33% | +0.02% |
| Hindustan Petroleum | Petroleum Products | 0.33% | -0.01% |
| Radico Khaitan | Beverages | 0.33% | -0.01% |
| Interglobe Aviation | Transport Services | 0.33% | -0.01% |
| Asian Paints | Consumer Durables | 0.32% | -0.03% |
| Aditya Birla Capital | Finance | 0.30% | -0.02% |
| NALCO | Non - Ferrous Metals | 0.30% | -0.01% |
| Coal India | Consumable Fuels | 0.30% | +0.01% |
| JSW Energy | Power | 0.29% | -0.01% |
| UPL | Fertilizers & Agrochemicals | 0.29% | -0.01% |
| Eicher Motors | Automobiles | 0.29% | -0.03% |
| Alkem Laboratories | Pharmaceuticals & Biotechnology | 0.29% | -0.02% |
| Bajaj Finserv | Finance | 0.29% | -0.05% |
| TVS Motors | Automobiles | 0.29% | +0.00% |
| Tech Mahindra | IT - Software | 0.29% | -0.01% |
| Apar Industries | Electrical Equipment | 0.29% | +0.03% |
| Sundaram Finance | Finance | 0.29% | +0.00% |
| Mphasis | IT - Software | 0.28% | -0.01% |
| Mankind Pharma | Pharmaceuticals & Biotechnology | 0.28% | +0.01% |
| Indian Bank | Banks | 0.28% | -0.01% |
| Nestle | Food Products | 0.28% | -0.03% |
| NHPC | Power | 0.27% | +0.00% |
| Vishal Mega Mart | Retailing | 0.27% | -0.02% |
| KEI Industries | Industrial Products | 0.26% | -0.07% |
| Tata Motors | Agricultural, Commercial & Construction Vehicles | 0.26% | -0.02% |
| Hindustan Aeronautics | Aerospace & Defense | 0.26% | +0.01% |
| Oil & Natural Gas Corporation | Oil | 0.26% | +0.01% |
| Steel Authority of India | Ferrous Metals | 0.26% | +0.00% |
| IPCA Laboratories | Pharmaceuticals & Biotechnology | 0.26% | -0.01% |
| NMDC | Minerals & Mining | 0.26% | -0.04% |
| Trent | Retailing | 0.26% | -0.03% |
| Biocon | Pharmaceuticals & Biotechnology | 0.26% | -0.03% |
| 360 One WAM | Capital Markets | 0.26% | -0.02% |
| Adani Power | Power | 0.25% | +0.02% |
| Apollo Hospitals | Equity | 0.25% | +0.00% |
| Tube Investment | Auto Components | 0.25% | -0.03% |
| Adani Enterprises | Metals & Minerals Trading | 0.25% | +0.02% |
| Havells | Consumer Durables | 0.25% | -0.05% |
| Prestige Estates Projects | Realty | 0.24% | -0.01% |
| Lloyds Metals & Energy | Minerals & Mining | 0.24% | +0.02% |
| Oracle Financial Services Software | IT - Software | 0.24% | -0.04% |
| Voltas | Consumer Durables | 0.24% | -0.01% |
| Oil India | Oil | 0.24% | -0.01% |
| Colgate Palmolive | Personal Products | 0.23% | -0.01% |
| SBI Life Insurance | Insurance | 0.23% | +0.02% |
| Cipla | Pharmaceuticals & Biotechnology | 0.23% | -0.01% |
| Page Industries | Textiles & Apparels | 0.23% | -0.01% |
| Torrent Power | Power | 0.23% | +0.00% |
| Jindal Stainless | Ferrous Metals | 0.23% | +0.03% |
| Dr Reddys Laboratories | Pharmaceuticals & Biotechnology | 0.23% | +0.03% |
| Supreme Industries | Industrial Products | 0.23% | +0.02% |
| Waaree Energies | Electrical Equipment | 0.22% | -0.02% |
| Lenskart Solutions | Retailing | 0.22% | +0.00% |
| Samvardhana Motherson International | Auto Components | 0.22% | +0.01% |
| Dabur India | Personal Products | 0.22% | +0.01% |
| L&T Finance | Finance | 0.22% | -0.03% |
| JSW Infrastructure | Transport Infrastructure | 0.21% | +0.02% |
| Jio Financial Services | Finance | 0.21% | -0.02% |
| JK Cement | Cement & Cement Products | 0.21% | +0.01% |
| M&M Financial Services | Finance | 0.21% | -0.03% |
| Cholamandalam Investment | Finance | 0.21% | -0.02% |
| Coromandel International | Fertilizers & Agrochemicals | 0.21% | -0.01% |
| Torrent Pharmaceuticals | Pharmaceuticals & Biotechnology | 0.21% | +0.00% |
| UNO Minda | Auto Components | 0.21% | +0.00% |
| Kalyan Jewellers | Consumer Durables | 0.21% | -0.01% |
| Oberoi Realty | Realty | 0.21% | -0.01% |
| Max Healthcare Institute | Equity | 0.21% | -0.02% |
| MRF | Auto Components | 0.21% | -0.01% |
| Godrej Properties | Realty | 0.21% | -0.06% |
| Petronet LNG | Gas | 0.21% | +0.01% |
| Blue Star | Consumer Durables | 0.20% | +0.03% |
| Indian Hotels Company | Leisure Services | 0.20% | +0.00% |
| Cummins | Industrial Products | 0.20% | +0.01% |
| Nippon Life India AMC | Capital Markets | 0.19% | +0.00% |
| Avenue Supermarts DMart | Retailing | 0.19% | +0.00% |
| Exide Industries | Auto Components | 0.19% | +0.00% |
| Tata Communications | Telecom - Services | 0.19% | +0.01% |
| Gujarat Fluorochemicals | Chemicals & Petrochemicals | 0.19% | +0.02% |
| Bharat Petroleum | Petroleum Products | 0.19% | -0.01% |
| PI Industries | Fertilizers & Agrochemicals | 0.19% | +0.01% |
| Tata Consumer Products | Agricultural Food & other Products | 0.19% | +0.01% |
| ITC Hotels | Leisure Services | 0.18% | +0.02% |
| Tata Power | Power | 0.18% | +0.01% |
| Tata Motors Passenger Vehicles | Automobiles | 0.18% | +0.00% |
| ICICI Prudential Life Insurance | Insurance | 0.18% | +0.00% |
| Varun Beverages | Beverages | 0.18% | +0.02% |
| Jubilant FoodWorks | Leisure Services | 0.18% | +0.00% |
| CG Power & Industrial Solutions | Electrical Equipment | 0.18% | +0.00% |
| LG Electronics | Consumer Durables | 0.18% | +0.02% |
| Astral | Industrial Products | 0.17% | +0.00% |
| SBI Cards | Finance | 0.17% | -0.01% |
| HDFC Life Insurance | Insurance | 0.17% | +0.00% |
| Adani Total Gas | Gas | 0.17% | +0.01% |
| Balkrishna Industries | Auto Components | 0.17% | -0.01% |
| LIC Housing Finance | Finance | 0.16% | +0.01% |
| Bank of Maharashtra | Banks | 0.16% | +0.01% |
| Schaeffler India | Auto Components | 0.16% | +0.01% |
| Bank of India | Banks | 0.16% | +0.00% |
| Britannia Industries | Food Products | 0.16% | -0.02% |
| Indian Oil Corporation | Petroleum Products | 0.16% | +0.01% |
| Motilal Oswal Financial Services | Capital Markets | 0.16% | +0.01% |
| Authum Inv & Infr | Finance | 0.15% | +0.01% |
| Container Corporation of India | Transport Services | 0.15% | -0.02% |
| GAIL | Gas | 0.15% | +0.02% |
| Groww | Capital Markets | 0.15% | +0.01% |
| IRCTC | Leisure Services | 0.14% | +0.01% |
| ICICI Prudential Asset Management | Capital Markets | 0.14% | +0.00% |
| Ajanta Pharma | Pharmaceuticals & Biotechnology | 0.14% | +0.00% |
| Abbott | Pharmaceuticals & Biotechnology | 0.14% | +0.03% |
| Bajaj Holdings & Investments | Finance | 0.14% | -0.01% |
| Vedanta | Diversified Metals | 0.14% | +0.01% |
| HDB Financial Services | Finance | 0.14% | +0.01% |
| Wipro | IT - Software | 0.14% | -0.01% |
| GIC of India | Insurance | 0.14% | +0.01% |
| AIA Engineering | Industrial Products | 0.14% | -0.01% |
| Solar Industries | Chemicals & Petrochemicals | 0.13% | +0.00% |
| Bank of Baroda | Banks | 0.13% | +0.01% |
| Pidilite Industries | Chemicals & Petrochemicals | 0.13% | -0.02% |
| HDFC AMC | Capital Markets | 0.13% | -0.02% |
| Power Finance Corporation | Finance | 0.13% | +0.00% |
| Dalmia Bharat | Cement & Cement Products | 0.12% | -0.01% |
| Linde | Chemicals & Petrochemicals | 0.12% | +0.00% |
| Adani Energy Solutions | Power | 0.12% | -0.01% |
| DLF | Realty | 0.12% | -0.02% |
| Jindal Steel | Ferrous Metals | 0.12% | +0.00% |
| Thermax | Electrical Equipment | 0.12% | -0.02% |
| Adani Green Energy | Power | 0.12% | +0.01% |
| Apollo Tyres | Auto Components | 0.12% | -0.01% |
| Berger Paints | Consumer Durables | 0.12% | -0.01% |
| Rail Vikas Nigam | Construction | 0.12% | +0.02% |
| Patanjali Foods | Agricultural Food & other Products | 0.11% | -0.01% |
| KPR Mill | Textiles & Apparels | 0.11% | +0.00% |
| United Spirits | Beverages | 0.11% | -0.01% |
| Canara Bank | Banks | 0.11% | +0.00% |
| GlaxoSmithKline Pharmaceuticals | Pharmaceuticals & Biotechnology | 0.11% | -0.02% |
| Bosch | Auto Components | 0.11% | +0.00% |
| Global Health | Equity | 0.11% | -0.02% |
| LTM | IT - Software | 0.11% | +0.00% |
| Punjab National Bank | Banks | 0.11% | -0.01% |
| REC | Finance | 0.10% | -0.01% |
| Cochin Shipyard | Industrial Manufacturing | 0.10% | -0.01% |
| Bharti Hexacom | Telecom - Services | 0.10% | -0.02% |
| CRISIL | Finance | 0.10% | +0.00% |
| Tata Elxsi | IT - Software | 0.10% | -0.01% |
| ABB | Electrical Equipment | 0.10% | -0.02% |
| Siemens | Electrical Equipment | 0.09% | +0.00% |
| Union Bank of India | Banks | 0.09% | +0.00% |
| 3M India | Diversified | 0.09% | +0.02% |
| AWL Agri Business | Agricultural Food & other Products | 0.09% | +0.00% |
| HUDCO | Finance | 0.09% | +0.01% |
| Shree Cement | Cement & Cement Products | 0.09% | +0.00% |
| Godrej Consumer Products | Personal Products | 0.09% | -0.01% |
| KPIT Technologies | IT - Software | 0.09% | +0.01% |
| NLC India | Power | 0.09% | +0.01% |
| Endurance Technologies | Auto Components | 0.09% | +0.01% |
| Premier Energies | Electrical Equipment | 0.09% | -0.03% |
| Bharat Dynamics | Aerospace & Defense | 0.09% | -0.03% |
| Lodha Developers | Realty | 0.09% | +0.01% |
| Escorts Kubota | Agricultural, Commercial & Construction Vehicles | 0.08% | +0.00% |
| Muthoot Finance | Finance | 0.08% | +0.00% |
| Bajaj Housing Finance | Finance | 0.08% | +0.00% |
| Hyundai Motor India | Automobiles | 0.08% | +0.00% |
| IREDA | Finance | 0.08% | +0.00% |
| Hindustan Zinc | Non - Ferrous Metals | 0.08% | +0.01% |
| Zydus Life Science | Pharmaceuticals & Biotechnology | 0.08% | +0.00% |
| L&T Technology Services | IT - Services | 0.08% | -0.01% |
| NTPC Green Energy | Power | 0.08% | +0.00% |
| ACC | Cement & Cement Products | 0.08% | +0.02% |
| United Breweries | Beverages | 0.08% | +0.00% |
| Siemens Energy | Electrical Equipment | 0.08% | -0.01% |
| Tata Investment Corporation | Finance | 0.07% | -0.02% |
| Godfrey Phillips | Cigarettes & Tobacco Products | 0.07% | +0.00% |
| Hexaware Technologies | IT - Software | 0.07% | -0.01% |
| Anthem Biosciences | Pharmaceuticals & Biotechnology | 0.07% | +0.00% |
| Ambuja Cements | Cement & Cement Products | 0.06% | -0.02% |
| Honeywell Automation | Industrial Manufacturing | 0.06% | +0.00% |
| Tata Capital | Finance | 0.05% | -0.01% |
| The New India Assurance Company | Insurance | 0.04% | -0.01% |
| IRFC | Finance | 0.04% | -0.02% |
| SJVN | Power | 0.04% | +0.00% |
| Godrej Industries | Diversified | 0.04% | +0.00% |
| Mazagon Dock Shipbuilders | Industrial Manufacturing | 0.04% | -0.01% |
| Net Receivable / Payable | Net Current Assets | 0.02% | — |
Sector Allocation · Sep 2026
View all 45 sectors
Risk Metrics
Sharpe Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 3Y | -3.48 | -3.48 | 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 2041 | — | — | — | -0.96% |
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About This Scheme
Investment Objective
The primary objective of the Zerodha Life Cycle Fund 2041 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/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) 10-15 Yr - 65% to 80%, 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) 10-15 Yr - 5% to 25%, 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) 10-15 Yr - 0% to 10%, 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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