{"id":224666,"date":"2026-08-31T16:04:14","date_gmt":"2026-08-31T10:34:14","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-direct-growth-review-2026\/"},"modified":"2026-09-18T15:46:24","modified_gmt":"2026-09-18T10:16:24","slug":"aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-direct-growth-review-2026\/","title":{"rendered":"Aditya Birla SL CRISIL-IBX Financial Services 3 to 6 Months Debt Index Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-g-direct-plan\">Aditya Birla SL CRISIL-IBX Financial Services 3 to 6 Months Debt Index Fund Direct Growth Plan<\/a> has a NAV of \u20b911.3112 as of 17 Sep 2026 and an AUM of \u20b92,164 Cr. Its 1-year, 3-year and 5-year returns are 6.98%, 0% and 0%, and the scheme sits in the Balanced Risk category.<\/p>\n<p>Our view is that this is a short-duration debt index fund with a return pattern that has been steady over the recent periods, but still limited by the fund\u2019s short live history. The portfolio is built around high-quality short-term instruments, so it may suit investors looking for a relatively measured debt allocation rather than a high-growth outcome.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Aditya_Birla_SL_CRISIL-IBX_Financial_Services_3_to_6_Months_Debt_Index\" title=\"Should you BUY or HOLD Aditya Birla SL CRISIL-IBX Financial Services 3 to 6 Months Debt Index?\">Should you BUY or HOLD Aditya Birla SL CRISIL-IBX Financial Services 3 to 6 Months Debt Index?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-direct-growth-review-2026\/#What_is_the_current_NAV_of_Aditya_Birla_SL_CRISIL-IBX_Financial_Services_3_to_6_Months_Debt_Index_Fund_Direct_Growth_Plan\" title=\"What is the current NAV of Aditya Birla SL CRISIL-IBX Financial Services 3 to 6 Months Debt Index Fund Direct Growth Plan?\">What is the current NAV of Aditya Birla SL CRISIL-IBX Financial Services 3 to 6 Months Debt Index Fund Direct Growth Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-direct-growth-review-2026\/#What_are_the_funds_1-year_3-year_and_5-year_returns\" title=\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\">What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-direct-growth-review-2026\/#How_has_the_fund_performed_versus_its_benchmark\" title=\"How has the fund performed versus its benchmark?\">How has the fund performed versus its benchmark?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-direct-growth-review-2026\/#How_does_it_compare_with_the_peer_funds_shown_here\" title=\"How does it compare with the peer funds shown here?\">How does it compare with the peer funds shown here?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-direct-growth-review-2026\/#What_is_the_minimum_SIP_amount\" title=\"What is the minimum SIP amount?\">What is the minimum SIP amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-direct-growth-review-2026\/#Who_manages_the_fund_and_is_there_an_exit_load\" title=\"Who manages the fund and is there an exit load?\">Who manages the fund and is there an exit load?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b911.3112 as of 17 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b92,164 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.13%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>17 Dec 2024<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b91,000<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Balanced Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Index Funds<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Harshil Suvarnkar, Sanjay Pawar<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Harshil Suvarnkar and Sanjay Pawar.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>0.53%<\/td>\n<td>-3.66%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>1.84%<\/td>\n<td>-3.71%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>6.98%<\/td>\n<td>-7.13%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The recent numbers are stronger than the benchmark across every available period. Over 1 month and 3 months, the fund stayed in positive territory while the benchmark was negative, which points to a steadier short-term profile.<\/p>\n<p>The 1-year return of 6.98% is also well ahead of the benchmark\u2019s -7.13%. That gap matters because it shows the fund has held up better during a weak stretch for the benchmark, rather than simply relying on one favourable month.<\/p>\n<p>We would still read the longer-horizon picture carefully. The scheme was launched in December 2024, so 3-year and 5-year figures are not available, and the visible history is too short to judge how it behaves across a full rate cycle. Even so, the shorter series suggests a relatively contained path with only modest fluctuations.<\/p>\n<p>For investors, the main takeaway is that this fund has preserved a positive return profile against a declining benchmark, but the evidence set is still narrow because of its short history. That makes it more suitable for a conservative debt allocation than for anyone looking to assess a long track record.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_Aditya_Birla_SL_CRISIL-IBX_Financial_Services_3_to_6_Months_Debt_Index\"><\/span>Should you BUY or HOLD Aditya Birla SL CRISIL-IBX Financial Services 3 to 6 Months Debt Index?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding Aditya Birla SL CRISIL-IBX Financial Services 3 to 6 Months Debt Index? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-g-direct-plan\">Aditya Birla SL CRISIL-IBX Financial Services 3 to 6 Months Debt Index Fund Direct Growth Plan<\/a><\/td>\n<td>6.98%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-nasdaq-100-index-fund-g-direct-plan\">ICICI Pru NASDAQ 100 Index Fund Direct Growth Plan<\/a><\/td>\n<td>29.31%<\/td>\n<td>30.01%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/tata-nifty-capital-markets-index-fund-g-direct-plan\">Tata Nifty Capital Markets Index Fund Direct Growth Plan<\/a><\/td>\n<td>21.45%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/motilal-oswal-nifty-capital-market-index-fund-g-direct-plan\">Motilal Oswal Nifty Capital Market Index Fund Direct Growth Plan<\/a><\/td>\n<td>21.13%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/motilal-oswal-nifty-midsmall-financial-services-index-fund-g-direct-plan\">Motilal Oswal Nifty MidSmall Financial Services Index Fund Direct Growth Plan<\/a><\/td>\n<td>20.68%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-nifty-pharma-index-fund-g-direct-plan\">ICICI Pru Nifty Pharma Index Fund Direct Growth Plan<\/a><\/td>\n<td>17.57%<\/td>\n<td>18.84%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.<\/p>\n<p>The current fund\u2019s 1-year return is lower than the peer funds shown here, while its 3-year and 5-year fields are not available because of its short history. That means the available comparison is one-sided: peers with longer records can be judged across more periods, while this scheme can only be assessed on the return windows it has lived through.<\/p>\n<p>Even so, the fund\u2019s own recent profile is not weak in isolation. It has stayed positive across the short windows, but the peer set here has much stronger 1-year figures, so the relative picture is clearly more subdued. The short-term gap and the missing longer horizon tell different stories: stability is visible, but not yet a long-term compounding record.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>8.95% Bharti Telecom Ltd. (04\/12\/2026) **<\/td>\n<td>Corporate Debt<\/td>\n<td>8.11%<\/td>\n<\/tr>\n<tr>\n<td>Axis Bank Ltd. (07\/12\/2026) **#<\/td>\n<td>Certificate of Deposit<\/td>\n<td>5.68%<\/td>\n<\/tr>\n<tr>\n<td>HDFC Bank Ltd. (19\/11\/2026) **#<\/td>\n<td>Certificate of Deposit<\/td>\n<td>5.47%<\/td>\n<\/tr>\n<tr>\n<td>Small Industries Development Bank of India (03\/11\/2026) **#<\/td>\n<td>Certificate of Deposit<\/td>\n<td>4.57%<\/td>\n<\/tr>\n<tr>\n<td>HDFC Bank Ltd. (13\/11\/2026) #<\/td>\n<td>Certificate of Deposit<\/td>\n<td>4.56%<\/td>\n<\/tr>\n<tr>\n<td>Bank of Baroda (04\/12\/2026) #<\/td>\n<td>Certificate of Deposit<\/td>\n<td>4.54%<\/td>\n<\/tr>\n<tr>\n<td>Indian Bank (10\/12\/2026) **#<\/td>\n<td>Certificate of Deposit<\/td>\n<td>4.54%<\/td>\n<\/tr>\n<tr>\n<td>SMFG India Credit Company Ltd. (25\/09\/2026) **<\/td>\n<td>Commercial Paper<\/td>\n<td>3.45%<\/td>\n<\/tr>\n<tr>\n<td>Bajaj Finance Ltd. (04\/11\/2026) **<\/td>\n<td>Commercial Paper<\/td>\n<td>3.42%<\/td>\n<\/tr>\n<tr>\n<td>Small Industries Development Bank of India (10\/11\/2026) **#<\/td>\n<td>Certificate of Deposit<\/td>\n<td>3.42%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest holding is 8.11%, which is sizable but not extreme for a debt portfolio built around short-maturity instruments. After that, the weights step down gradually rather than dropping sharply, with several positions clustered in the 4% to 6% range and the tenth holding still at 3.42%.<\/p>\n<p>The top 10 holdings together account for approximately 47.76% of the portfolio, and there are 39 disclosed holdings in all. That points to a portfolio that is spread across a meaningful number of positions, even though the largest names may still have greater influence on day-to-day movement than the smaller tail.<\/p>\n<p>Because the disclosed holdings do not run all the way through the full portfolio, we would treat concentration as moderate rather than extreme. The mix of corporate debt, certificates of deposit and commercial paper also suggests a preference for short-term credit exposure, which may help keep volatility contained while still leaving some room for yield pickup.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-g-direct-plan\">Aditya Birla SL CRISIL-IBX Financial Services 3 to 6 Months Debt Index Fund Direct Growth Plan<\/a> page<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund may suit investors who are comfortable with a Balanced Risk profile and want a debt-oriented allocation that has shown steady short-term behaviour. The 1-year return is positive, while the benchmark has been negative across the same broad windows, so the fund\u2019s recent path has been more resilient than the benchmark.<\/p>\n<p>The main trade-off is that the scheme has a very short track record, so there is little evidence yet on how it behaves across a full cycle. Investors who need a longer performance history may prefer to wait, while those looking for a measured short-duration debt holding may find the current pattern useful. The portfolio\u2019s credit and money-market style exposures also suggest that returns are likely to be steadier than equity-style growth funds, but not especially high.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Exit load: No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_current_NAV_of_Aditya_Birla_SL_CRISIL-IBX_Financial_Services_3_to_6_Months_Debt_Index_Fund_Direct_Growth_Plan\"><\/span>What is the current NAV of Aditya Birla SL CRISIL-IBX Financial Services 3 to 6 Months Debt Index Fund Direct Growth Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The current NAV is \u20b911.3112 as of 17 Sep 2026.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_are_the_funds_1-year_3-year_and_5-year_returns\"><\/span>What are the fund\u2019s 1-year, 3-year and 5-year returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The 1-year return is 6.98%, while the 3-year and 5-year returns are Data not available because the scheme has a short history.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_has_the_fund_performed_versus_its_benchmark\"><\/span>How has the fund performed versus its benchmark?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It has done better than the benchmark in every available period. The fund stayed positive over 1 month, 3 months and 1 year, while the benchmark was negative in those same windows.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_it_compare_with_the_peer_funds_shown_here\"><\/span>How does it compare with the peer funds shown here?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund\u2019s 1-year return is lower than the peer funds shown in the comparison table, while its 3-year and 5-year figures are not available. That makes the comparison more limited than for older schemes.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_minimum_SIP_amount\"><\/span>What is the minimum SIP amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The minimum SIP amount is \u20b91,000.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_manages_the_fund_and_is_there_an_exit_load\"><\/span>Who manages the fund and is there an exit load?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund is managed by Harshil Suvarnkar and Sanjay Pawar. There is no exit load.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund\u2019s recent return pattern is steadier than its benchmark, but the longer-term picture is still incomplete because the scheme has a short live history. Among the peer funds shown, its available 1-year return is softer, while the missing 3-year and 5-year figures keep the comparison from being fully like-for-like. The portfolio is built from short-term debt and money-market style instruments, which supports a measured risk profile and may appeal to investors who want conservative debt exposure rather than aggressive growth.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 18 September 2026 at 3:44 PM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"Aditya Birla SL CRISIL-IBX Financial Services 3 to 6 Months Debt Index Fund Direct Growth Plan\",\"identifier\":\"aditya-birla-sl-crisil-ibx-financial-services-3-to-6-months-debt-index-fund-g-direct-plan\",\"category\":\"Index Funds\",\"dateCreated\":\"17 Dec 2024\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":11.3112,\"valueReference\":\"as of 17 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"2164 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.13\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":6.98},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":0},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":0},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Harshil Suvarnkar, Sanjay Pawar\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Aditya Birla SL CRISIL-IBX Financial Services 3 to 6 Months Debt Index Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b911.3112 as of 17 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The 1-year return is 6.98%, while the 3-year and 5-year returns are Data not available because the scheme has a short history.\"}},{\"@type\":\"Question\",\"name\":\"How has the fund performed versus its benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has done better than the benchmark in every available period. The fund stayed positive over 1 month, 3 months and 1 year, while the benchmark was negative in those same windows.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with the peer funds shown here?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s 1-year return is lower than the peer funds shown in the comparison table, while its 3-year and 5-year figures are not available. That makes the comparison more limited than for older schemes.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b91,000.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and is there an exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Harshil Suvarnkar and Sanjay Pawar. There is no exit load.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aditya Birla SL CRISIL-IBX Financial Services 3 to 6 Months Debt Index Fund Direct Growth Plan has a NAV of \u20b911.3112 as of 17 Sep 2026, AUM of \u20b92,164 Cr and 1-year return of 6.98%.<\/p>\n","protected":false},"author":38,"featured_media":257561,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-224666","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["257561"],"rank_math_title":["Aditya Birla SL Debt Index Fund: NAV, Returns, Review"],"rank_math_description":["Aditya Birla SL CRISIL-IBX Debt Index Fund NAV \u20b911.3112, 1Y return 6.98% as of 17 Sep 2026. Review its portfolio, risk and returns."],"rank_math_focus_keyword":["Aditya Birla SL CRISIL-IBX Financial Services 3 to 6 Months Debt Index Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/Aditya_Birla_SL_CRISIL_IBX_Financial_Services_3_to_6_Months_Debt_Index_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfo_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/224666","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=224666"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/224666\/revisions"}],"predecessor-version":[{"id":257567,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/224666\/revisions\/257567"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/257561"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=224666"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=224666"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=224666"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}