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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 ₹9.20 23 Oct 2026 52W High ₹10.20 25 Aug 2026
₹9.6488 NAV as of 4 Nov 2026 +1.42% day change
ISININF0R8F01216
Scheme Code154437
StructureOpen Ended Schemes
Fund HouseZerodha Asset Management Private Limited
AUM (avg. July - September 2026)₹14.66 Cr
Expense Ratio (as of 4 Nov 2026)1.01%
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 -10.34%

Annualised (CAGR) returns for periods over a year.

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Rank in Category

PeriodThis FundCategory 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

PeriodAverageBestWorstPositive PeriodsConsistency
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

FundCategory
P/E22.4225.49
P/B3.143.66
Price / Sales2.592.92
Price / Cash Flow15.6318.61
Dividend Yield (%)1.441.14
Holdings253
Top 5 Stocks11.39%
Top 10 Stocks16.87%
Top 3 Sectors22.89%

Holdings · Sep 2026

HoldingSectorWeightChange (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
  • Consumer Durables 2.62%
  • Power 2.48%
  • Auto Components 2.23%
  • Insurance 1.99%
  • Industrial Products 1.79%
  • Construction 1.44%
  • Ferrous Metals 1.42%
  • Cement & Cement Products 1.29%
  • Diversified FMCG 1.25%
  • Realty 1.22%
  • Financial Technology (Fintech) 1.05%
  • Healthcare Services 0.97%
  • Transport Infrastructure 0.93%
  • Chemicals & Petrochemicals 0.92%
  • Agricultural Food & other Products 0.80%
  • Non - Ferrous Metals 0.79%
  • Agricultural, Commercial & Construction Vehicles 0.78%
  • Aerospace & Defense 0.77%
  • Beverages 0.70%
  • Leisure Services 0.70%
  • Fertilizers & Agrochemicals 0.69%
  • Personal Products 0.54%
  • Gas 0.53%
  • Oil 0.50%
  • Minerals & Mining 0.50%
  • Transport Services 0.48%
  • Food Products 0.44%
  • Textiles & Apparels 0.34%
  • Consumable Fuels 0.30%
  • Metals & Minerals Trading 0.25%
  • Industrial Manufacturing 0.20%
  • Diversified Metals 0.14%
  • Diversified 0.13%
  • IT - Services 0.08%
  • Cigarettes & Tobacco Products 0.07%

Risk Metrics

Sharpe Ratio

PeriodFundCategory
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 1Y3Y5YSince 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.

Market Closed · Opens 9:15 AM
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