Nippon India ETF Nifty 5 yr Benchmark G-Sec vs Zerodha Life Cycle Fund 2031
Direct Plan, Growth option · Data as on 30-10-2026
Nippon India ETF Nifty 5 yr Benchmark G-Sec is a mutual fund and Zerodha Life Cycle Fund 2031 is a mutual fund. Nippon India ETF Nifty 5 yr Benchmark G-Sec charges 0.10% a year and Zerodha Life Cycle Fund 2031 2.98% (Direct plans). Their portfolios overlap 26.9%: they hold 1 of the same security.
Nippon India ETF Nifty 5 yr Benchmark G-Sec
- Expense ratio
- 0.10%
- NAV
- ₹65.30
Which is better, Nippon India ETF Nifty 5 yr Benchmark G-Sec or Zerodha Life Cycle Fund 2031? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Nippon India ETF Nifty 5 yr Benchmark G-Sec costs less: 0.10% a year against 2.98% (Direct plans).
- Nippon India ETF Nifty 5 yr Benchmark G-Sec fell less in its worst fall since 18-09-2026: −1.3% against −4.4%.
- Nippon India ETF Nifty 5 yr Benchmark G-Sec is the larger fund: ₹260 Cr against ₹10 Cr.
- Their portfolios overlap 26.9%: 1 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Nippon India ETF Nifty 5 yr Benchmark G-Sec | Zerodha Life Cycle Fund 2031 |
|---|---|---|
| Fund house | Nippon India Mutual Fund | Zerodha Mutual Fund |
| Category | Not available | Not available |
| AUM | ₹260 Cr (30-09-2026) | ₹10 Cr (30-09-2026) |
| NAV | ₹65.30 (Direct) | ₹9.74 (Direct) |
| Expense ratio (Direct) | 0.10% | 2.98% |
| Expense ratio (Regular) | Not available | Not available |
| Riskometer | Not available | High |
| Benchmark | Not available | 55% CRISIL 10 year Gilt Index + 35% Nifty 200 TRI + 5% Domestic prices of Physical Gold + 5% Domestic prices of Physical |
| Launch date | Not available | 16-09-2026 |
| Minimum investment | Not available | ₹100 |
| Lock in | Not available | Not available |
| Fund managers | Not available | Kedarnath Mirajkar |
| Exit load | Not available | Nil |
Nippon India ETF Nifty 5 yr Benchmark G-Sec vs Zerodha Life Cycle Fund 2031: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Nippon India ETF Nifty 5 yr Benchmark G-Sec (Direct) | −0.65% | −1.18% | +1.65% | +3.23% | +7.15% | +5.94% | -- |
| Zerodha Life Cycle Fund 2031 (Direct) | −1.18% | -- | -- | -- | -- | -- | -- |
Nippon India ETF Nifty 5 yr Benchmark G-Sec vs Zerodha Life Cycle Fund 2031: Year-wise Returns
| Year | Nippon India ETF Nifty 5 yr Benchmark G-SecNippon India ETF Nifty 5 yr Benchmark G-Sec | Zerodha Life Cycle Fund 2031Zerodha Life Cycle Fund 2031 |
|---|---|---|
| 2026to date | +2.67% | -- |
| 2025 | +8.12% | -- |
| 2024 | +8.37% | -- |
| 2023 | +7.77% | -- |
| 2022 | +2.10% | -- |
Nippon India ETF Nifty 5 yr Benchmark G-Sec vs Zerodha Life Cycle Fund 2031: Rolling Returns
Every holding period of both funds
Nippon India ETF Nifty 5 yr Benchmark G-Sec vs Zerodha Life Cycle Fund 2031: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Nippon India ETF Nifty 5 yr Benchmark G-Sec (Direct) | Zerodha Life Cycle Fund 2031 (Direct) |
|---|---|---|
| Return (CAGR) | +5.82% | −25.51% |
| Standard deviation | 2.18% | 7.90% |
| Sharpe ratio | 0.13 | -3.93 |
| Sortino ratio | 0.18 | -4.33 |
| Maximum drawdown | −3.4% (06-05-2022) | −4.4% (23-10-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 07-04-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Nippon India ETF Nifty 5 yr Benchmark G-Sec (Direct)
Zerodha Life Cycle Fund 2031 (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Nippon India ETF Nifty 5 yr Benchmark G-Sec (Direct) | −1.3% | 22-09-2026 | 22-10-2026 | Not yet | -- | −1.1% |
| Zerodha Life Cycle Fund 2031 (Direct) | −4.4% | 23-09-2026 | 23-10-2026 | Not yet | -- | −3.5% |
From daily values since 18-09-2026, the first day every fund has.
Nippon India ETF Nifty 5 yr Benchmark G-Sec vs Zerodha Life Cycle Fund 2031: Portfolio Overlap
From each fund's latest monthly portfolio: Nippon India ETF Nifty 5 yr Benchmark G-Sec, September 2026; Zerodha Life Cycle Fund 2031, September 2026
Holdings in common
- Overlap
- 26.9%
- Held by both
- 1
- Only in Nippon India ETF Nifty 5 yr Benchmark G-Sec
- 2
- Only in Zerodha Life Cycle Fund 2031
- 252
| Security | % of Nippon India ETF Nifty 5 yr Benchmark G-Sec | % of Zerodha Life Cycle Fund 2031 |
|---|---|---|
| 6.36% Government of India | 94.71% | 26.91% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 26.9% means 26.9% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Nippon India ETF Nifty 5 yr Benchmark G-Sec
| Security | % of fund |
|---|---|
| 6.01% Government of India | 1.87% |
| 6.75% Government of India | 1.33% |
Largest holdings only in Zerodha Life Cycle Fund 2031
| Security | % of fund |
|---|---|
| Bharti Airtel Limited | 5.05% |
| The Federal Bank Limited | 4.34% |
| IndusInd Bank Limited | 4.04% |
| Infosys Limited | 3.74% |
| Bajaj Finance Limited | 2.58% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Nippon India ETF Nifty 5 yr Benchmark G-Sec | Zerodha Life Cycle Fund 2031 |
|---|---|---|
| Equity | 0.0% | 65.8% |
| Debt | 97.9% | 26.9% |
| Cash and others | 2.1% | 7.3% |
Market cap of stocks
| Market cap | Nippon India ETF Nifty 5 yr Benchmark G-Sec | Zerodha Life Cycle Fund 2031 |
|---|---|---|
| Large Cap | -- | 34.8% |
| Mid Cap | -- | 28.5% |
| Small Cap | -- | 2.5% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Nippon India ETF Nifty 5 yr Benchmark G-Sec | Zerodha Life Cycle Fund 2031 |
|---|---|---|
| Banks | 0.0% | 15.7% |
| Finance | 0.0% | 6.5% |
| IT - Software | 0.0% | 5.9% |
| Telecom - Services | 0.0% | 5.8% |
| Pharmaceuticals & Biotechnology | 0.0% | 3.3% |
| Automobiles | 0.0% | 1.9% |
The six largest sectors of each fund's stocks, % of the fund.
Nippon India ETF Nifty 5 yr Benchmark G-Sec vs Zerodha Life Cycle Fund 2031: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Nippon India ETF Nifty 5 yr Benchmark G-Sec | Zerodha Life Cycle Fund 2031 |
|---|---|---|
| Total expense ratio (Direct) | 0.10% | 2.98% |
| Base expense ratio (Direct) | 0.08% | 0.42% |
| Base expense ratio (Regular) | 0.00% | 0.00% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
Nippon India ETF Nifty 5 yr Benchmark G-Sec vs Zerodha Life Cycle Fund 2031: Frequently Asked Questions
What is the difference between Nippon India ETF Nifty 5 yr Benchmark G-Sec and Zerodha Life Cycle Fund 2031?
Nippon India ETF Nifty 5 yr Benchmark G-Sec is a mutual fund, Zerodha Life Cycle Fund 2031 is a mutual fund, run by Nippon India Mutual Fund and Zerodha Mutual Fund. Their portfolios overlap 26.9%. Nippon India ETF Nifty 5 yr Benchmark G-Sec charges 0.10% a year and Zerodha Life Cycle Fund 2031 2.98%.
Which has the lower expense ratio, Nippon India ETF Nifty 5 yr Benchmark G-Sec or Zerodha Life Cycle Fund 2031?
Nippon India ETF Nifty 5 yr Benchmark G-Sec charges less: 0.10% a year against 2.98%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Nippon India ETF Nifty 5 yr Benchmark G-Sec and Zerodha Life Cycle Fund 2031 overlap?
26.9%. They hold 1 of the same securities, the largest shared ones being 6.36% Government of India. From each fund's latest monthly portfolio.
Can I invest in both Nippon India ETF Nifty 5 yr Benchmark G-Sec and Zerodha Life Cycle Fund 2031?
Yes. 26.9% of each fund's money sits in the same holdings, so some of the two investments would move together.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.