Insufficient historyDirect · GrowthToo thin to judge
Zerodha Life Cycle Fund 2041
Zerodha Mutual FundLife Cycle Funds - Life Cycle Fund with Maturity of 15 Years0.3 years
The scheme seeks to provide a goal-based investment solution that seeks to generate long-term capital appreciation by investing across various asset classes i.e., Equity, Debt, InvITs, ETCDs, Gold/Silver ETFs. The fund follows a pre-determined maturity and a dynamic glide path strategy across the product lifespan initially maintaining an aggressive stance and automatically transitioning toward a conservative, debt-heavy allocation to protect capital as the target date approaches.
- NAV
- 9.3309
- 30 Oct 2026
- 1Y
- n/a
- Trailing CAGR
- AUM
- ₹17.54 Cr
- 30 Sept 2026
- Volatility
- Medium
- 9.9% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 Oct 2026
Stance
Too thin to judge
History is short. Lean on older peers or a low-cost index until more evidence lands.
In three lines
Watch if · History is short. Lean on older peers or a low-cost index until more evidence lands.
Buy checklist
History depth
Fail
0.3 years - thin for judging consistency.
Engine status
n/a
History is short. Lean on older peers or a low-cost index until more evidence lands.
Expense ratio
Pass
1.14% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -9.8%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
Watch
Kedarnath Mirajkar · 0.4 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 35.9% of the portfolio.
Skip · see category peers
History or evidence is too thin for a confident buy stance on this desk.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Yn/a
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI-20.3%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Yn/a
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- -20.3%
- Calendar-day CAGR
- Excess 1Y
- n/a
- Category median, same plan and option
- 3Y win rate
- n/a
- Windows beating the median
- 3Y percentile
- n/a
- Vs comparable share classes
- SIP 3Y XIRR
- n/a
- Simulated monthly SIP
- Worst rolling 3Y
- n/a
- 0 daily-ending windows
- Median rolling 3Y
- n/a
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -9.8%
- Worst peak-to-trough
- Current
- -8.5%
- Below last peak
- Current spell
- 66 days
- Days below latest peak
- Time below peak
- +87%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 4 days
- 5 recovered episodes
- Longest recovery
- 7 days
- Trough to prior peak
25 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-9.8%
21 Jul 2026 – 31 Jul 2026
Trough 24 Jul 2026 · recovered in 7 days
-1.5%
12 Aug 2026 – 25 Aug 2026
Trough 19 Aug 2026 · recovered in 6 days
-1.1%
13 Jul 2026 – 21 Jul 2026
Trough 14 Jul 2026 · recovered in 7 days
-0.5%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
n/a
Vs category
n/a
Consistency
n/a
Risk-adjusted
0
Drawdown
75
Mean
n/a
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Insufficient history
Buying stance
Too thin to judge
History is short. Lean on older peers or a low-cost index until more evidence lands.
Why this status
No status reasons yet. History is still thin.
Supporting reads
No supporting reads in the current evidence set.
Portfolio
30 Sept 2026 · 255 holdings · top 10 are 35.9%.
- Top 5
- 27.3%
- Top 10
- 35.9%
- Largest holding
- 12.3%
- Effective holdings
- 39.6
GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
12.3%
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Unspecified
4.5%
Zerodha Silver ETF-Growth
Unspecified
4.4%
HDFC Bank Ltd
Financial
3.2%
ICICI Bank Ltd
Financial
2.8%