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Life Cycle Funds - Life Cycle Fund with Maturity of 15 Years
Zerodha Life Cycle Fund 2041
Direct Plan · Growth Option · Zerodha Mutual Fund
Risk: Very High Risk
52W Low ₹9.47 1 Oct 2026
52W High ₹10.20 25 Aug 2026
₹9.5918
NAV as of 6 Oct 2026
+0.78% day change
ISININF0R8F01216
Scheme Code154437
StructureOpen Ended Schemes
Fund HouseZerodha Asset Management Private Limited
Expense Ratio (as of 5 Oct 2026)1.14%
Min. Investment₹100
Inception Date19 Jun 2026
Benchmark65% Nifty 200 TRI + 5% Domestic
prices of Physical Gold + 5%
Domestic
prices of Physical Silver + 25%
CRISIL 10 year Gilt Index
NFO Period19 Jun 2026 – 07 Jul 2026
Returns
Since Inception
-15.79%
Annualised (CAGR) returns for periods over a year.
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Rank in Category
| Period | This Fund | Category Avg. | Rank |
|---|---|---|---|
| 1W | +0.39% | +0.66% | 2 of 2 |
| 1M | -4.32% | -4.32% | 1 of 1 |
| YTD | -3.92% | -1.82% | 2 of 2 |
| INCEPTION | -15.79% | — | — |
Ranked among: Life Cycle Funds - Life Cycle Fund with Maturity of 15 Years.
NAV History
Expense Ratio Trend
Portfolio · Aug 2026
Asset Allocation
- Equity78.68%
- Debt12.83%
- Cash-0.66%
- Other9.15%
Market Cap Split
- Large Cap42.01%
- Mid Cap35.02%
- Small Cap1.65%
- Others21.32%
Fundamentals
| Fund | Category | |
|---|---|---|
| P/E | 23.89 | 27.26 |
| P/B | 3.35 | 3.84 |
| Price / Sales | 2.77 | 3.39 |
| Price / Cash Flow | 16.47 | 20.44 |
| Dividend Yield (%) | 1.34 | 1.08 |
Holdings253
Top 5 Stocks11.50%
Top 10 Stocks17.09%
Top 3 Sectors23.43%
Holdings · Aug 2026
| Holding | Sector | Weight | Change (1M) |
|---|---|---|---|
| GOI LOAN 6.94% 2036 | Debt | 12.83% | +0.02% |
| Zerodha Silver ETF | Others | 4.55% | +0.05% |
| Zerodha Gold ETF (GOLDCASE) | Others | 4.54% | +0.03% |
| HDFC Bank | Banks | 3.12% | -0.16% |
| ICICI Bank | Banks | 2.99% | +0.02% |
| Reliance Industries | Petroleum Products | 2.47% | -0.07% |
| Bharti Airtel | Telecom - Services | 1.57% | -0.13% |
| Clearing Corporation of India Limited | Others | 1.38% | — |
| Larsen & Toubro | Construction | 1.35% | +0.02% |
| BSE | Capital Markets | 1.25% | -0.15% |
| State Bank of India | Banks | 1.25% | +0.04% |
| Infosys | IT - Software | 1.14% | +0.01% |
| Axis Bank | Banks | 1.06% | +0.05% |
| Kotak Bank | Banks | 0.89% | +0.07% |
| Mahindra & Mahindra | Automobiles | 0.84% | -0.02% |
View all 255 holdings
| Federal Bank | Banks | 0.83% | +0.00% |
| MCX | Capital Markets | 0.82% | +0.19% |
| Bajaj Finance | Finance | 0.81% | -0.06% |
| ITC | Diversified FMCG | 0.71% | -0.07% |
| Laurus Labs | Pharmaceuticals & Biotechnology | 0.70% | +0.02% |
| Tata Consultancy Services | IT - Software | 0.70% | +0.01% |
| One 97 Communications | Financial Technology (Fintech) | 0.68% | +0.16% |
| Eternal | Retailing | 0.68% | +0.05% |
| Hero Motocorp | Automobiles | 0.67% | +0.01% |
| Coforge | IT - Software | 0.64% | +0.00% |
| Indusind Bank | Banks | 0.63% | +0.00% |
| Bharat Heavy Electricals | Electrical Equipment | 0.61% | +0.06% |
| PB FinTech | Financial Technology (Fintech) | 0.61% | +0.10% |
| Titan | Consumer Durables | 0.60% | +0.01% |
| Sun Pharmaceutical | Pharmaceuticals & Biotechnology | 0.60% | +0.00% |
| Dixon Technologies | Consumer Durables | 0.58% | +0.03% |
| AU Small Finance Bank | Banks | 0.58% | +0.03% |
| Persistent Systems | IT - Software | 0.57% | +0.01% |
| IDFC First Bank | Banks | 0.54% | +0.02% |
| Suzlon Energy | Electrical Equipment | 0.54% | -0.02% |
| Bharat Forge | Auto Components | 0.53% | -0.01% |
| GE Vernova T&D | Electrical Equipment | 0.51% | +0.01% |
| Maruti Suzuki | Automobiles | 0.51% | -0.01% |
| Lupin | Pharmaceuticals & Biotechnology | 0.50% | -0.06% |
| Hindustan Unilever | Diversified FMCG | 0.50% | -0.03% |
| LIC of India | Insurance | 0.49% | +0.32% |
| Info Edge | Retailing | 0.48% | +0.04% |
| Ashok Leyland | Agricultural, Commercial & Construction Vehicles | 0.48% | +0.03% |
| Polycab | Industrial Products | 0.47% | +0.01% |
| Indus Towers | Telecom - Services | 0.47% | +0.00% |
| Aurobindo Pharma | Pharmaceuticals & Biotechnology | 0.45% | +0.04% |
| NTPC | Power | 0.45% | -0.02% |
| Nykaa | Retailing | 0.44% | +0.01% |
| Fortis Healthcare | Equity | 0.44% | -0.02% |
| Shriram Finance | Finance | 0.43% | +0.01% |
| Tata Steel | Ferrous Metals | 0.43% | -0.02% |
| Hindalco Industries | Non - Ferrous Metals | 0.43% | +0.02% |
| Bharat Electronics | Aerospace & Defense | 0.41% | +0.01% |
| HCL Technologies | IT - Software | 0.40% | +0.00% |
| Bajaj Auto | Automobiles | 0.40% | +0.04% |
| Marico | Agricultural Food & other Products | 0.40% | -0.04% |
| UltraTech Cement | Cement & Cement Products | 0.39% | -0.02% |
| Hitachi Energy | Electrical Equipment | 0.39% | +0.02% |
| Max Financial Services | Insurance | 0.39% | +0.02% |
| APL Apollo Tubes | Industrial Products | 0.38% | +0.07% |
| Yes Bank | Banks | 0.38% | +0.00% |
| Swiggy | Retailing | 0.38% | -0.01% |
| Grasim Industries | Cement & Cement Products | 0.37% | +0.03% |
| Vodafone Idea | Telecom - Services | 0.37% | +0.02% |
| ICICI Lombard General Insurance | Insurance | 0.36% | -0.01% |
| Glenmark Pharmaceuticals | Pharmaceuticals & Biotechnology | 0.36% | +0.05% |
| JSW Steel | Ferrous Metals | 0.35% | +0.00% |
| Power Grid Corporation of India | Power | 0.35% | -0.01% |
| SRF | Chemicals & Petrochemicals | 0.35% | -0.01% |
| Asian Paints | Consumer Durables | 0.35% | +0.00% |
| Hindustan Petroleum | Petroleum Products | 0.34% | -0.03% |
| Interglobe Aviation | Transport Services | 0.34% | +0.00% |
| Radico Khaitan | Beverages | 0.34% | +0.01% |
| Divis Laboratories | Pharmaceuticals & Biotechnology | 0.34% | +0.04% |
| Phoenix Mills | Realty | 0.34% | +0.00% |
| Bajaj Finserv | Finance | 0.34% | +0.00% |
| Adani Ports & SEZ | Transport Infrastructure | 0.34% | -0.02% |
| KEI Industries | Industrial Products | 0.33% | +0.03% |
| Eicher Motors | Automobiles | 0.32% | +0.01% |
| Aditya Birla Capital | Finance | 0.32% | +0.00% |
| GMR Airports | Transport Infrastructure | 0.31% | -0.04% |
| Alkem Laboratories | Pharmaceuticals & Biotechnology | 0.31% | -0.01% |
| Nestle | Food Products | 0.31% | +0.00% |
| NALCO | Non - Ferrous Metals | 0.31% | +0.00% |
| JSW Energy | Power | 0.30% | -0.03% |
| NMDC | Minerals & Mining | 0.30% | +0.03% |
| Havells | Consumer Durables | 0.30% | +0.00% |
| Tech Mahindra | IT - Software | 0.30% | +0.00% |
| UPL | Fertilizers & Agrochemicals | 0.30% | -0.02% |
| Indian Bank | Banks | 0.29% | +0.02% |
| Mphasis | IT - Software | 0.29% | +0.01% |
| Sundaram Finance | Finance | 0.29% | -0.01% |
| TVS Motors | Automobiles | 0.29% | +0.01% |
| Biocon | Pharmaceuticals & Biotechnology | 0.29% | +0.00% |
| Trent | Retailing | 0.29% | +0.00% |
| Coal India | Consumable Fuels | 0.29% | +0.01% |
| Vishal Mega Mart | Retailing | 0.29% | +0.01% |
| Oracle Financial Services Software | IT - Software | 0.28% | +0.03% |
| 360 One WAM | Capital Markets | 0.28% | +0.01% |
| Tata Motors | Agricultural, Commercial & Construction Vehicles | 0.28% | +0.02% |
| Tube Investment | Auto Components | 0.28% | +0.00% |
| IPCA Laboratories | Pharmaceuticals & Biotechnology | 0.27% | +0.04% |
| Mankind Pharma | Pharmaceuticals & Biotechnology | 0.27% | +0.01% |
| Godrej Properties | Realty | 0.27% | +0.00% |
| NHPC | Power | 0.27% | -0.01% |
| Apar Industries | Electrical Equipment | 0.26% | +0.02% |
| Steel Authority of India | Ferrous Metals | 0.26% | +0.04% |
| Prestige Estates Projects | Realty | 0.25% | +0.00% |
| Oil & Natural Gas Corporation | Oil | 0.25% | -0.02% |
| L&T Finance | Finance | 0.25% | +0.00% |
| Hindustan Aeronautics | Aerospace & Defense | 0.25% | +0.01% |
| Oil India | Oil | 0.25% | +0.02% |
| Apollo Hospitals | Equity | 0.25% | -0.02% |
| Voltas | Consumer Durables | 0.25% | -0.04% |
| Colgate Palmolive | Personal Products | 0.24% | -0.02% |
| Waaree Energies | Electrical Equipment | 0.24% | +0.00% |
| Cipla | Pharmaceuticals & Biotechnology | 0.24% | +0.00% |
| M&M Financial Services | Finance | 0.24% | -0.01% |
| Page Industries | Textiles & Apparels | 0.24% | +0.02% |
| Adani Enterprises | Metals & Minerals Trading | 0.23% | -0.02% |
| Jio Financial Services | Finance | 0.23% | +0.00% |
| Torrent Power | Power | 0.23% | -0.02% |
| Cholamandalam Investment | Finance | 0.23% | +0.01% |
| Max Healthcare Institute | Equity | 0.23% | +0.00% |
| Adani Power | Power | 0.23% | -0.02% |
| Coromandel International | Fertilizers & Agrochemicals | 0.22% | -0.01% |
| Lloyds Metals & Energy | Minerals & Mining | 0.22% | -0.02% |
| Oberoi Realty | Realty | 0.22% | +0.01% |
| Lenskart Solutions | Retailing | 0.22% | +0.05% |
| Kalyan Jewellers | Consumer Durables | 0.22% | -0.01% |
| MRF | Auto Components | 0.22% | +0.04% |
| Samvardhana Motherson International | Auto Components | 0.21% | +0.03% |
| Torrent Pharmaceuticals | Pharmaceuticals & Biotechnology | 0.21% | -0.01% |
| Dabur India | Personal Products | 0.21% | -0.02% |
| UNO Minda | Auto Components | 0.21% | +0.00% |
| Supreme Industries | Industrial Products | 0.21% | -0.02% |
| SBI Life Insurance | Insurance | 0.21% | -0.03% |
| JK Cement | Cement & Cement Products | 0.20% | -0.02% |
| Dr Reddys Laboratories | Pharmaceuticals & Biotechnology | 0.20% | +0.01% |
| Indian Hotels Company | Leisure Services | 0.20% | +0.01% |
| Bharat Petroleum | Petroleum Products | 0.20% | +0.02% |
| Jindal Stainless | Ferrous Metals | 0.20% | -0.03% |
| Petronet LNG | Gas | 0.20% | -0.01% |
| Nippon Life India AMC | Capital Markets | 0.19% | -0.02% |
| Avenue Supermarts DMart | Retailing | 0.19% | +0.02% |
| Cummins | Industrial Products | 0.19% | -0.02% |
| Exide Industries | Auto Components | 0.19% | -0.02% |
| JSW Infrastructure | Transport Infrastructure | 0.19% | +0.02% |
| Tata Communications | Telecom - Services | 0.18% | -0.03% |
| Tata Consumer Products | Agricultural Food & other Products | 0.18% | -0.03% |
| ICICI Prudential Life Insurance | Insurance | 0.18% | -0.02% |
| Balkrishna Industries | Auto Components | 0.18% | +0.00% |
| Jubilant FoodWorks | Leisure Services | 0.18% | +0.03% |
| Britannia Industries | Food Products | 0.18% | -0.02% |
| SBI Cards | Finance | 0.18% | -0.02% |
| PI Industries | Fertilizers & Agrochemicals | 0.18% | -0.03% |
| Tata Motors Passenger Vehicles | Automobiles | 0.18% | -0.04% |
| CG Power & Industrial Solutions | Electrical Equipment | 0.18% | +0.02% |
| Gujarat Fluorochemicals | Chemicals & Petrochemicals | 0.17% | -0.01% |
| Blue Star | Consumer Durables | 0.17% | -0.05% |
| Tata Power | Power | 0.17% | -0.03% |
| HDFC Life Insurance | Insurance | 0.17% | +0.01% |
| Container Corporation of India | Transport Services | 0.17% | +0.01% |
| Astral | Industrial Products | 0.17% | +0.01% |
| Adani Total Gas | Gas | 0.16% | +0.00% |
| ITC Hotels | Leisure Services | 0.16% | +0.00% |
| Bank of India | Banks | 0.16% | +0.01% |
| LG Electronics | Consumer Durables | 0.16% | +0.03% |
| Varun Beverages | Beverages | 0.16% | -0.03% |
| Bank of Maharashtra | Banks | 0.15% | +0.01% |
| Wipro | IT - Software | 0.15% | +0.01% |
| Schaeffler India | Auto Components | 0.15% | -0.02% |
| Motilal Oswal Financial Services | Capital Markets | 0.15% | +0.03% |
| HDFC AMC | Capital Markets | 0.15% | +0.01% |
| AIA Engineering | Industrial Products | 0.15% | -0.02% |
| Bajaj Holdings & Investments | Finance | 0.15% | -0.01% |
| Pidilite Industries | Chemicals & Petrochemicals | 0.15% | +0.02% |
| Indian Oil Corporation | Petroleum Products | 0.15% | +0.01% |
| LIC Housing Finance | Finance | 0.15% | +0.01% |
| ICICI Prudential Asset Management | Capital Markets | 0.14% | +0.01% |
| Thermax | Electrical Equipment | 0.14% | -0.01% |
| Ajanta Pharma | Pharmaceuticals & Biotechnology | 0.14% | +0.01% |
| Authum Inv & Infr | Finance | 0.14% | +0.01% |
| Groww | Capital Markets | 0.14% | +0.01% |
| DLF | Realty | 0.14% | +0.03% |
| Vedanta | Diversified Metals | 0.13% | +0.01% |
| Solar Industries | Chemicals & Petrochemicals | 0.13% | -0.01% |
| GlaxoSmithKline Pharmaceuticals | Pharmaceuticals & Biotechnology | 0.13% | +0.03% |
| Global Health | Equity | 0.13% | +0.02% |
| GIC of India | Insurance | 0.13% | +0.00% |
| Apollo Tyres | Auto Components | 0.13% | +0.01% |
| Adani Energy Solutions | Power | 0.13% | -0.02% |
| Berger Paints | Consumer Durables | 0.13% | +0.00% |
| GAIL | Gas | 0.13% | +0.00% |
| Dalmia Bharat | Cement & Cement Products | 0.13% | +0.00% |
| Power Finance Corporation | Finance | 0.13% | -0.04% |
| HDB Financial Services | Finance | 0.13% | +0.00% |
| IRCTC | Leisure Services | 0.13% | +0.00% |
| Patanjali Foods | Agricultural Food & other Products | 0.12% | +0.01% |
| Punjab National Bank | Banks | 0.12% | +0.01% |
| ABB | Electrical Equipment | 0.12% | +0.02% |
| Linde | Chemicals & Petrochemicals | 0.12% | +0.00% |
| Bharti Hexacom | Telecom - Services | 0.12% | +0.01% |
| Premier Energies | Electrical Equipment | 0.12% | +0.01% |
| Bank of Baroda | Banks | 0.12% | +0.00% |
| Jindal Steel | Ferrous Metals | 0.12% | +0.01% |
| Bharat Dynamics | Aerospace & Defense | 0.12% | +0.02% |
| United Spirits | Beverages | 0.12% | +0.00% |
| Cochin Shipyard | Industrial Manufacturing | 0.11% | +0.00% |
| Canara Bank | Banks | 0.11% | +0.00% |
| REC | Finance | 0.11% | -0.02% |
| Adani Green Energy | Power | 0.11% | -0.02% |
| Abbott | Pharmaceuticals & Biotechnology | 0.11% | -0.04% |
| KPR Mill | Textiles & Apparels | 0.11% | +0.01% |
| Tata Elxsi | IT - Software | 0.11% | +0.00% |
| Bosch | Auto Components | 0.11% | +0.03% |
| LTM | IT - Software | 0.11% | +0.00% |
| CRISIL | Finance | 0.10% | +0.01% |
| Godrej Consumer Products | Personal Products | 0.10% | -0.02% |
| Rail Vikas Nigam | Construction | 0.10% | -0.01% |
| Shree Cement | Cement & Cement Products | 0.09% | +0.00% |
| Tata Investment Corporation | Finance | 0.09% | +0.01% |
| L&T Technology Services | IT - Services | 0.09% | +0.00% |
| AWL Agri Business | Agricultural Food & other Products | 0.09% | +0.00% |
| Siemens Energy | Electrical Equipment | 0.09% | +0.01% |
| Union Bank of India | Banks | 0.09% | +0.00% |
| Siemens | Electrical Equipment | 0.09% | +0.00% |
| NLC India | Power | 0.08% | -0.02% |
| Escorts Kubota | Agricultural, Commercial & Construction Vehicles | 0.08% | -0.01% |
| Endurance Technologies | Auto Components | 0.08% | -0.01% |
| Lodha Developers | Realty | 0.08% | -0.01% |
| Bajaj Housing Finance | Finance | 0.08% | +0.00% |
| NTPC Green Energy | Power | 0.08% | +0.01% |
| HUDCO | Finance | 0.08% | -0.01% |
| Zydus Life Science | Pharmaceuticals & Biotechnology | 0.08% | +0.00% |
| IREDA | Finance | 0.08% | +0.00% |
| KPIT Technologies | IT - Software | 0.08% | -0.01% |
| Muthoot Finance | Finance | 0.08% | -0.01% |
| Ambuja Cements | Cement & Cement Products | 0.08% | +0.01% |
| Hyundai Motor India | Automobiles | 0.08% | -0.02% |
| United Breweries | Beverages | 0.08% | -0.01% |
| Hexaware Technologies | IT - Software | 0.08% | +0.01% |
| Anthem Biosciences | Pharmaceuticals & Biotechnology | 0.07% | -0.01% |
| 3M India | Diversified | 0.07% | +0.00% |
| Hindustan Zinc | Non - Ferrous Metals | 0.07% | -0.01% |
| Godfrey Phillips | Cigarettes & Tobacco Products | 0.07% | -0.01% |
| IRFC | Finance | 0.06% | +0.02% |
| Tata Capital | Finance | 0.06% | +0.02% |
| ACC | Cement & Cement Products | 0.06% | -0.02% |
| Honeywell Automation | Industrial Manufacturing | 0.06% | -0.02% |
| The New India Assurance Company | Insurance | 0.05% | +0.02% |
| Mazagon Dock Shipbuilders | Industrial Manufacturing | 0.05% | +0.01% |
| Godrej Industries | Diversified | 0.04% | +0.00% |
| SJVN | Power | 0.04% | +0.00% |
| Net Receivable / Payable | Net Current Assets | -2.04% | — |
Sector Allocation · Aug 2026
View all 45 sectors
Compare With Peers
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
| ICICI Prudential Life Cycle Fund 2041 | — | — | — | +5.21% |
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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
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.