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Aditya Birla Child Plan Mutual Fund
The Aditya Birla Child Plan Mutual Fund, registered and operated under the name of Aditya Birla Sun Life Bal Bhavishya Yojna, was launched on 11 February 2019 and is an outcome-based fund for investments in children's future. It has adopted the NIFTY 500 TRI as its benchmark index and had ₹1,266.45 crore in AUM at the end of business on 31 August 2026. The direct growth plan of this fund is very risky, as this fund invests in equities to enhance the capital for the long term.
Investing in your child's future:Nothing is more important than securing your child's future
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Invest ₹10k/month your child will get ₹1 Cr# Tax-Free*
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- Aditya Birla Child Plan Mutual Fund
Highlights of Aditya Birla Sun Life Bal Bhavishya Yojna
- Child-Oriented: The portfolio is structured such that funds can be raised for meeting financial objectives in relation to children.
- Equity Holding: The portfolio is predominantly equity based with net equity exposure of 93.89%.
- Locking In: The investment is subject to locking for a period of 5 years or until the child attains the age of legal adulthood.
- Minimum Investment: A minimum investment of ₹1,000 can be made either once or ₹500 per month.
- Risk Rating: The risk rating for Aditya Birla Child Plan Mutual Fund is rated as Very High.
Key Information About Aditya Birla Sun Life Bal Bhavishya Yojna
| Detail | Information |
| Fund House | Aditya Birla Sun Life Mutual Fund |
| Date of Launch | 11 February 2019 |
| Fund Age | Over 7 years |
| Total AUM | ₹1,266.45 crore (31 August 2026) |
| Fund Category | Children’s Fund - Solution-Oriented |
| Fund Benchmark | NIFTY 500 TRI |
| NAV | ₹20.80 as on 21 September 2026 |
| Min. Investment | ₹1,000 lumpsum; ₹500 monthly SIP |
| Total Expense Ratio | 2.27% |
| Category Average Expense Ratio | Not separately disclosed |
| Since Inception | 10.18% p.a. |
| Plan Type | Regular |
| Risk Level | Very High |
| Fund Managers | Chanchal Khandelwal and Harshil Suvarnkar |
| Investment Objective | To achieve capital appreciation through a portfolio which is mainly invested in stocks and stock-related securities, including debt and money market instruments |
Performance of Aditya Birla Sun Life Bal Bhavishya Yojna
The trailing returns of the Aditya Birla Child Plan Mutual Fund's regular plan are as follows:
| Period | 1 Year | 3 Years | 5 Years | Since Inception |
| Fund Returns | 4.81% | 10.34% | 8.14% | 10.18% |
Top 10 Holdings of Aditya Birla Sun Life Bal Bhavishya Yojna
The most recent portfolio holdings data till 31 August 2026 is:
| Company | Allocation |
| ICICI Bank | 5.97% |
| HDFC Bank | 3.37% |
| Reliance Industries | 3.34% |
| Axis Bank | 2.78% |
| Infosys | 2.47% |
| Bharti Airtel | 2.39% |
| State Bank of India | 2.16% |
| Shriram Finance | 2.10% |
| Hindalco Industries | 2.08% |
| Others | 12.22% |
Sector Allocation of Aditya Birla Sun Life Bal Bhavishya Yojna
| Sector | Allocation |
| Financial | 23.51% |
| Others | 12.22% |
| Services | 10.1% |
| Technology | 7.78% |
| Consumer Staples | 7.76% |
| Healthcare | 6.38% |
| Metals & Mining | 5.34% |
| Automobiles | 5.2% |
| Capital Goods | 5.05% |
| Construction | 4.05% |
| Energy | 3.34% |
| Chemicals | 3.30% |
| Communication | 2.39% |
| Textiles | 2.35% |
| Consumer Discretionary | 1.23% |
Sector Allocation as of 24th September 2026. Financial leads at 23.51%, with the top three sectors together accounting for 45.83% of the portfolio.
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Invest ₹10K/Month YOU GET ₹1 Crores* For Your Child
Invest ₹8K/Month YOU GET ₹80 Lakhs* For Your Child
Invest ₹5K/Month YOU GET ₹50 Lakhs* For Your Child
Standard T&C Apply *
Expense Ratio, Exit Load and Taxation
| Category | Details |
| Total Expense Ratio | 2.27% |
| Entry Load | Nil |
| Exit Load | Nil; compulsory lock-in applies |
| Lock-In | For a period of 5 years or until the child turns 18 years of age, whichever comes earlier. |
| Short-Term Capital Gains | 20% tax on the respective profits if the equity units are redeemed in less than 12 months. |
| Long-Term Capital Gains | 12.5% tax on the profits that have exceeded ₹1.25 lakhs in one financial year if the equity units are kept in the scheme for more than 12 months. |
FAQs
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Is Aditya Birla Child Plan Mutual Fund suitable for a child’s education?
Yes, Aditya Birla Child Plan Mutual Fund is an appropriate option for parents with long-term investments who wish to create funds for education and can bear very high risk levels. Parents can compare it with other alternatives of child education plans if they are exploring more conservative options. -
What is the lock-in period of Aditya Birla Sun Life Bal Bhavishya Yojna?
A mandatory waiting period of five years or until the child attains the age of majority, whichever comes first. -
Can I invest in Aditya Birla Sun Life Bal Bhavishya Yojna through SIP?
Yes. The fund allows for an SIP amount of ₹500 and above per month. Parents seeking suitable mutual fund child plan alternatives should research various aspects, including risk, lock-in and investment strategy before making the investment. -
Is Aditya Birla Child Plan Mutual Fund safe for long-term investment?
The fund has a very high risk score due to a high level of equity exposure. Therefore, it is recommended for a long-term investment. The fund may be appropriate for investors who can take market volatility and invest for the long term. Parents can check options like children’s gift funds, mutual fund child plans and other instruments for long term investment based on their financial needs and objectives.
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Insurers Offering Child Plans
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance
plan.
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CARG 8%; ₹50,45,591 @ CAGR 4%
+Returns Since Inception of LIC Growth Fund
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.