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    Zerodha Life Cycle Fund 2031

    Direct plan, Growth option

    Data as on 30-10-2026

    Compare this fundTrack this fund

    Zerodha Life Cycle Fund 2031 is a mutual fund run by Zerodha Mutual Fund. On 30-09-2026, it managed ₹10 Cr of investors' money.

    NAV (Direct plan)
    ₹9.74
    ▼ 0.22%30-10-2026
    Expense ratio
    2.98%
    A year
    Riskometer
    High
    Set by the fund house
    1 month return
    −1.2%
    Total

    Zerodha Life Cycle Fund 2031 NAV Today

    NAV on 30-10-2026: Direct Plan Growth ₹9.74 (down 0.22% that day).

    Zerodha Life Cycle Fund 2031 Returns

    Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

    Trailing returns
    Period1M3M6M1Y3Y5Y10Y
    This fund (Direct)−1.18%------------
    Category average--------------
    Best in category--------------
    Worst in category--------------
    Rank in category--------------

    No category comparison is shown: this fund's category is too broad to compare, or has fewer than five funds. This fund's benchmark is 55% CRISIL 10 year Gilt Index + 35% Nifty 200 TRI + 5% Domestic prices of Physical Gold + 5% Domestic prices of Physical. Returns of that index are not available to us.

    Zerodha Life Cycle Fund 2031 Expense Ratio and Costs

    What each plan charges a year, in force from 01-10-2026

    PlanBase expense ratioBrokerageTransaction costsLevies and GSTTotal expense ratio
    Direct0.42%0.23%0.10%2.23%2.98%

    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, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file.

    Zerodha Life Cycle Fund 2031 Asset Allocation

    Asset allocation as on 30-09-2026

    What the fund holds

    65.8%Equity

    AssetFund
    Equity65.8%
    Debt26.9%
    Cash and others7.3%

    Market cap of stocks

    Market capFund
    Large Cap34.8%
    Mid Cap28.5%
    Small Cap2.5%

    Share of the whole fund. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.

    Credit rating

    Bonds and money market papers by credit rating, % of the fund.

    RatingFund
    Sovereign26.9%

    Zerodha Life Cycle Fund 2031 Sector Allocation

    Sector allocation of the fund's stocks as on 30-09-2026

    Largest sectors

    1. Banks15.7%

    2. Finance6.5%

    3. IT - Software5.9%

    4. Telecom - Services5.8%

    5. Pharmaceuticals & Biotechnology3.3%

    6. Automobiles1.9%

    7. Electrical Equipment1.9%

    8. Capital Markets1.9%

    9. Petroleum Products1.9%

    10. Retailing1.8%

    The ten largest of 45 sectors. The other 35 add up to 19.3%.

    Zerodha Life Cycle Fund 2031 Portfolio Holdings

    As on 30-09-2026 · 253 holdings · from the fund house's monthly portfolio

    HoldingsSector / RatingWeight%Holdings trend1M change
    6.36% GOI 16-Feb-2031 · Government securitySovereign26.91%
    Bharti Airtel LimitedTelecom - Services5.05%
    The Federal Bank LimitedBanks4.34%
    IndusInd Bank LimitedBanks4.04%
    Infosys LimitedIT - Software3.74%
    Bajaj Finance LimitedFinance2.58%
    Zerodha Gold ETF2.19%
    Zerodha Silver ETF2.12%
    HDFC Bank LimitedBanks2.02%
    ICICI Bank LimitedBanks1.76%

    Zerodha Life Cycle Fund 2031 Stocks Bought and Sold

    September 2026 is the first month we hold for this fund, so there is no earlier month to compare it with.

    What Zerodha Life Cycle Fund 2031 bought and sold

    Zerodha Life Cycle Fund 2031 Portfolio Overlap

    Funds with the most similar portfolios, across every fund house and category

    FundOverlapHoldings in common
    Zerodha Life Cycle Fund 2041Zerodha53.6%252Compare
    Zerodha Life Cycle Fund 2036Zerodha52.8%252Compare
    Zerodha ELSS Tax Saver Nifty LargeMidcap 250 Index FundIndex · Zerodha49.8%241Compare
    Zerodha Nifty LargeMidcap 250 Index FundIndex · Zerodha49.8%241Compare
    Mirae Asset Nifty LargeMidcap 250 Index FundIndex · Mirae Asset49.8%241Compare
    Edelweiss Nifty LargeMidcap 250 ETFETF · Edelweiss49.8%241Compare
    Edelweiss NIFTY Large Midcap 250 Index FundIndex · Edelweiss49.8%241Compare
    ICICI Prudential Nifty LargeMidcap 250 Index FundIndex · ICICI Prudential49.8%241Compare

    Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.

    Zerodha Life Cycle Fund 2031 Overview

    Fund facts from the scheme summary document, as on 16-10-2026

    Expense ratio (Direct)
    2.98%
    Category
    Not available
    Risk
    High
    Launch date
    16-09-2026
    Minimum investment
    ₹100
    Minimum additional investment
    ₹100
    AUM
    ₹10.28 Cr (30-09-2026)
    Lock in
    Not available
    Scheme code (Direct)
    154697
    ISIN (Direct)
    INF0R8F01240
    NAV history
    From 18-09-2026, 0.1 years
    Benchmark
    55% CRISIL 10 year Gilt Index + 35% Nifty 200 TRI + 5% Domestic prices of Physical Gold + 5% Domestic prices of Physical
    Exit load
    Nil

    Tax on Zerodha Life Cycle Fund 2031 returns

    • How the gain is taxed depends on what the fund holds. A fund with 65% or more in Indian stocks is taxed as an equity fund: 20% within 1 year, 12.5% after, on gains above ₹1.25 lakh a year.
    • A fund with 65% or more in debt is taxed at your slab rate. Any other fund: your slab rate within 2 years, 12.5% after.
    • IDCW (dividend) payouts are added to your income and taxed at your slab rate.
    • A stamp duty of 0.005% is deducted when you invest.

    Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.

    About Zerodha Life Cycle Fund 2031

    Zerodha Life Cycle Fund 2031 is a mutual fund from Zerodha Mutual Fund. It was launched on 16-09-2026. Its benchmark is 55% CRISIL 10 year Gilt Index + 35% Nifty 200 TRI + 5% Domestic prices of Physical Gold + 5% Domestic prices of Physical. At the end of September 2026 it held 253 securities.

    Fund Manager

    • Kedarnath Mirajkar

      Fund manager of Zerodha Life Cycle Fund 2031, since 27-08-2026

    See all funds of Zerodha Mutual Fund

    AUM change

    September 2026
    ₹10.28 Cr
    First month on file

    AUM moves with money invested or taken out, and with the value of what the fund holds.

    Compare Zerodha Life Cycle Fund 2031 with Other Funds

    Returns, risk, costs and the stocks they share, side by side

    Compare with any other fund

    Frequently Asked Questions for Zerodha Life Cycle Fund 2031

    What is the current NAV of Zerodha Life Cycle Fund 2031?

    The Direct plan NAV is ₹9.7404, as on 30-10-2026.

    What is the expense ratio of Zerodha Life Cycle Fund 2031?

    The Direct plan charges 2.98% a year. This is the figure the fund house reported to AMFI, in force from 01-10-2026.

    What is the AUM of Zerodha Life Cycle Fund 2031?

    Zerodha Life Cycle Fund 2031 managed ₹10.28 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.

    What are the top holdings of Zerodha Life Cycle Fund 2031?

    At the end of September 2026 the largest holdings were 6.36% GOI 16-Feb-2031 (26.91%), BHARTIARTL (5.05%), FEDERALBNK (4.34%), INDUSINDBK (4.04%), INFY (3.74%). The fund held 253 securities in all.

    How do I invest in Zerodha Life Cycle Fund 2031?

    Through Zerodha Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹100. You can invest once or through a monthly SIP.

    Who is the fund manager of Zerodha Life Cycle Fund 2031?

    Kedarnath Mirajkar (since 27-08-2026).

    What is the exit load of Zerodha Life Cycle Fund 2031?

    Nil

    Is Zerodha Life Cycle Fund 2031 risky?

    The fund house rates Zerodha Life Cycle Fund 2031 as High risk on SEBI's riskometer. The riskometer has six levels, from Low to Very High.

    Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.

    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.

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