{"id":254126,"date":"2026-09-17T17:11:08","date_gmt":"2026-09-17T11:41:08","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/zerodha-life-cycle-fund-2036-direct-growth-review-2026\/"},"modified":"2026-09-17T17:11:08","modified_gmt":"2026-09-17T11:41:08","slug":"zerodha-life-cycle-fund-2036-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/zerodha-life-cycle-fund-2036-direct-growth-review-2026\/","title":{"rendered":"Zerodha Life Cycle Fund 2036 Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/zerodha-life-cycle-fund-2036-g-direct-plan\">Zerodha Life Cycle Fund 2036 Direct Growth Plan<\/a> has a NAV of \u20b99.799 as of 16 Sep 2026 and manages \u20b919 Cr. Its 1-year, 3-year and 5-year returns are Data not available, Data not available and Data not available, and the fund sits in the High Risk category.<\/p>\n<p>Our view is that this is a younger, high-risk equity option whose current positioning matters more than a long performance record. The portfolio mixes sovereign debt, gold and silver ETFs, banks and a few large companies, so the return pattern and asset mix suggest a fund designed for long-horizon investors who can absorb sharp swings rather than those looking for near-term stability.<\/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\/zerodha-life-cycle-fund-2036-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\/zerodha-life-cycle-fund-2036-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\/zerodha-life-cycle-fund-2036-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Zerodha_Life_Cycle_Fund_2036\" title=\"Should you BUY or HOLD Zerodha Life Cycle Fund 2036?\">Should you BUY or HOLD Zerodha Life Cycle Fund 2036?<\/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\/zerodha-life-cycle-fund-2036-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\/zerodha-life-cycle-fund-2036-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\/zerodha-life-cycle-fund-2036-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\/zerodha-life-cycle-fund-2036-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\/zerodha-life-cycle-fund-2036-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/zerodha-life-cycle-fund-2036-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-10\" href=\"https:\/\/univest.in\/blogs-2\/zerodha-life-cycle-fund-2036-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-11\" href=\"https:\/\/univest.in\/blogs-2\/zerodha-life-cycle-fund-2036-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>\u20b99.799 as of 16 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b919 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.0%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>10 Jul 2026<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9100<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>High 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>Equity<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>3% upto 1Y, 2% after 1Y but upto 2Y, 1% after 2Y but upto 3Y, NIL after 3Y<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Kedarnath Mirajkar<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Kedarnath Mirajkar.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 16 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>-3.32%<\/td>\n<td>-4.41%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/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 only visible near-term performance reading is the 1-month figure, and it shows the fund slipping, but still doing slightly better than the benchmark over the same stretch. That tells us the fund has not been immune to recent weakness, yet it has held up a little better than the Nifty 50 in the latest month.<\/p>\n<p>Beyond that, there is no long performance history to judge yet because the scheme launched on 10 Jul 2026. So we would treat the current record as a starting point rather than a proven cycle through different market conditions. For an investor, that means the key question is not whether the fund has already shown a stable long-term pattern, but whether the mix of assets and the high-risk label fit a patient holding period.<\/p>\n<p>Against the benchmark, the short-term comparison is modestly better, but it is not strong enough to build a long-term thesis on its own. The fact that the fund is only weeks old also means any early movement can be driven by market noise, asset mix and launch-stage positioning rather than a mature compounding profile.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 16 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_Zerodha_Life_Cycle_Fund_2036\"><\/span>Should you BUY or HOLD Zerodha Life Cycle Fund 2036?<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 Zerodha Life Cycle Fund 2036? 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\/zerodha-life-cycle-fund-2036-g-direct-plan\">Zerodha Life Cycle Fund 2036 Direct Growth Plan<\/a><\/td>\n<td>Data not available<\/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\/zerodha-life-cycle-fund-2041-g-direct-plan\">Zerodha Life Cycle Fund 2041 Direct Growth Plan<\/a><\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/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>There is no usable long-return separation between the two available scheme variants at this stage because both show no disclosed 1-year, 3-year or 5-year return figures. That means the comparison is mainly about scheme structure and timing, not about proven return leadership.<\/p>\n<p>For the current fund, the more relevant takeaway is that the short-term benchmark behaviour is slightly better than the index, while the peer set does not yet offer a meaningful longer-term record. So the present picture is balanced: the fund has not trailed badly in the latest month, but it also has not built an evidence base that would support stronger claims about sustained compounding.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 16 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>6.94% GOI 11-May-2036<\/td>\n<td>Government Securities<\/td>\n<td>21.67%<\/td>\n<\/tr>\n<tr>\n<td>Zerodha Gold ETF<\/td>\n<td>Domestic Mutual Funds Units &#8211; Gold<\/td>\n<td>4.53%<\/td>\n<\/tr>\n<tr>\n<td>Zerodha Silver ETF<\/td>\n<td>Domestic Mutual Funds Units &#8211; Silver<\/td>\n<td>4.53%<\/td>\n<\/tr>\n<tr>\n<td>Clearing Corporation of India Limited<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>3.83%<\/td>\n<\/tr>\n<tr>\n<td>Axis Bank Limited<\/td>\n<td>Bank<\/td>\n<td>2.95%<\/td>\n<\/tr>\n<tr>\n<td>HDFC Bank Limited<\/td>\n<td>Bank<\/td>\n<td>2.58%<\/td>\n<\/tr>\n<tr>\n<td>ICICI Bank Limited<\/td>\n<td>Bank<\/td>\n<td>2.48%<\/td>\n<\/tr>\n<tr>\n<td>Reliance Industries Limited<\/td>\n<td>Crude Oil<\/td>\n<td>2.05%<\/td>\n<\/tr>\n<tr>\n<td>Bharti Airtel Limited<\/td>\n<td>Telecom<\/td>\n<td>1.29%<\/td>\n<\/tr>\n<tr>\n<td>Larsen &amp; Toubro Limited<\/td>\n<td>Infrastructure<\/td>\n<td>1.11%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The top 10 holdings account for approximately 47.02% of the portfolio.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/zerodha-life-cycle-fund-2036-g-direct-plan\">Zerodha Life Cycle Fund 2036 Direct Growth Plan<\/a> page<\/p>\n<p>The largest holding, 6.94% GOI 11-May-2036, is 21.67% of the portfolio, so it is likely to have a meaningful influence on the fund\u2019s behaviour. That single position is much larger than the next holdings, which are all below 5%, so the visible allocation steps down quickly after the sovereign bond exposure.<\/p>\n<p>The gap from the largest holding to the tenth is wide: the tenth holding is 1.11%, which is a fraction of the biggest position. We also see a mix of government securities, gold and silver ETFs, bank stocks and other large companies, which suggests the fund is not relying on one narrow equity theme alone.<\/p>\n<p>At 47.02% across the displayed top 10 holdings, the visible sleeve is moderately concentrated, while 26 disclosed holdings indicate a longer tail beyond the largest names. That combination may create a portfolio where a few positions matter a lot, but the rest of the book can still influence overall movement in a smaller way.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 16 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 suits investors who can tolerate High Risk and are comfortable with a new scheme that has only a very short performance record. The visible mix of sovereign debt, precious-metals ETFs and large-cap stocks suggests it may behave differently from a plain equity fund, which can appeal to investors seeking a diversified lifecycle-style structure.<\/p>\n<p>The key trade-off is that the fund does not yet have a long history to show how it behaves through a full market cycle. Investors with a multi-year horizon and patience for volatility may find that acceptable, but those who want evidence of stable longer-term compounding may prefer to wait and watch.<\/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: 3% up to 1Y, 2% after 1Y but up to 2Y, 1% after 2Y but up to 3Y, NIL after 3Y.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 16 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<p><strong>What is the current NAV of Zerodha Life Cycle Fund 2036 Direct Growth Plan?<\/strong><br \/>The current NAV is \u20b99.799 as of 16 Sep 2026.<\/p>\n<p><strong>What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/strong><br \/>The fund\u2019s 1-year, 3-year and 5-year returns are Data not available, Data not available and Data not available.<\/p>\n<p><strong>How has the fund done versus the benchmark recently?<\/strong><br \/>In the 1-month period, the fund returned -3.32% versus -4.41% for Nifty 50. That means it held up slightly better than the benchmark over the latest month.<\/p>\n<p><strong>How does it compare with the listed peer fund?<\/strong><br \/>Both available scheme variants show Data not available for 1-year, 3-year and 5-year returns, so there is no meaningful long-return separation yet.<\/p>\n<p><strong>What is the minimum SIP amount?<\/strong><br \/>The minimum SIP amount is \u20b9100.<\/p>\n<p><strong>Who manages the fund and what is the exit load?<\/strong><br \/>The fund is managed by Kedarnath Mirajkar. Exit load is 3% up to 1Y, 2% after 1Y but up to 2Y, 1% after 2Y but up to 3Y, and NIL after 3Y.<\/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>Zerodha Life Cycle Fund 2036 Direct Growth Plan is still too young for a full long-term verdict, so the latest month matters more than a longer record right now. It has held up slightly better than the benchmark over that short stretch, while the peer set also lacks usable return history. The High Risk label, the bond-plus-precious-metals mix and the concentrated top holding make it a fund for patient investors who can accept early-stage uncertainty and want a lifecycle-style allocation.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 17 September 2026 at 5:09 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\":\"Zerodha Life Cycle Fund 2036 Direct Growth Plan\",\"identifier\":\"zerodha-life-cycle-fund-2036-g-direct-plan\",\"category\":\"Equity\",\"dateCreated\":\"10 Jul 2026\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":9.799,\"valueReference\":\"as of 16 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"19 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.0\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":0},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":0},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":0},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Kedarnath Mirajkar\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Zerodha Life Cycle Fund 2036 Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b99.799 as of 16 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s 1-year, 3-year and 5-year returns are Data not available, Data not available and Data not available.\"}},{\"@type\":\"Question\",\"name\":\"How has the fund done versus the benchmark recently?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"In the 1-month period, the fund returned -3.32% versus -4.41% for Nifty 50. That means it held up slightly better than the benchmark over the latest month.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with the listed peer fund?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Both available scheme variants show Data not available for 1-year, 3-year and 5-year returns, so there is no meaningful long-return separation yet.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b9100.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Kedarnath Mirajkar. Exit load is 3% up to 1Y, 2% after 1Y but up to 2Y, 1% after 2Y but up to 3Y, and NIL after 3Y.\"}}]}<\/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>Zerodha Life Cycle Fund 2036 Direct Growth Plan NAV is \u20b99.799 as of 16 Sep 2026. The fund is High Risk, with recent 1-month return of -3.32% versus -4.41% for Nifty 50.<\/p>\n","protected":false},"author":38,"featured_media":254124,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-254126","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["254124"],"rank_math_title":["Zerodha Life Cycle Fund 2036 Direct Growth Review"],"rank_math_description":["Zerodha Life Cycle Fund 2036 Direct Growth Plan NAV is \u20b99.799 as of 16 Sep 2026; 1M return is -3.32% vs Nifty 50 at -4.41%."],"rank_math_focus_keyword":["Zerodha Life Cycle Fund 2036 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\/Zerodha_Life_Cycle_Fund_2036_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/254126","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=254126"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/254126\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/254124"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=254126"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=254126"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=254126"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}