Zerodha Life Cycle Fund 2031 Direct Growth

Zerodha Life Cycle Fund 2031 Direct Growth is a hybrid fund. This fund was started on 16 September, 2026. The fund is managed by Kedarnath Mirajkar. This fund gives you the benefit of diversification.

1. Zerodha Life Cycle Fund 2031 has ₹10 Cr worth of assets under management (AUM) as on Nov 2026 and is more than category average.
2. The fund has an expense ratio 0.5.
   

Zerodha Life Cycle Fund 2031 has given a CAGR return of 1.39% since inception.

Zerodha Life Cycle Fund 2031 has allocated its funds majorly in Cash Equivalent, Government, Financial Services, Tech, Industrial, Communication, Consumer Cyclical, Health, Basic Materials, Energy, Consumer Defensive, Utilities, Real Estate.

As it is a balanced allocation mutual fund the taxation is as follows:
If the fund is equity oriented i.e. asset allocation of more than 65% in equity instruments:
For short term (less than a year) capital gains will be taxed at 20%
For long term (more than 1 year) capital gains will be taxed at 12.5% without indexation benefit
Long term gains up to Rs 1 lakh are exempt from taxation (more than 12 months).

The primary objective of the Zerodha Life Cycle Fund 2031 is to provide a goal-based investment solution that seeks to generate 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. There is no assurance or guarantee that the investment objective of the scheme would be achieved.

Minimum investment for lump sum payment is INR 100.00 and for SIP is INR 100.00. Zerodha Life Cycle Fund 2031 has no lock in period.