Zerodha Life Cycle Fund 2036 and Zerodha Life Cycle Fund 2041

1. What is the Zerodha Life Cycle Fund 2036 and Zerodha Life Cycle Fund 2041?

It is an open-ended mutual fund with attributes of a pre-defined maturity and a glide path designed for goal-based investing. 

2. What is the investment objective?

The primary objective of the Zerodha Life Cycle Fund 2036 and Zerodha Life Cycle Fund 2041 is to provide a goal-based investment solution that seeks to generate long-term capital appreciation by investing in a dynamically managed portfolio of equity, debt, commodity and other instruments where the asset allocation follows a pre-defined glide path that becomes more conservative as the target maturity date approaches.There is no assurance or guarantee that the investment objective of the scheme would be achieved.

3. What is a Glide Path?

The "glide path" is the predefined path used by the fund manager to systematically reduce high-risk equity exposure and increase debt exposure as the fund nears maturity.

4. What is the underlying benchmark? 

Zerodha Life Cycle Fund 2036 - 50% Nifty 200 TRI + 5% Domestic prices of Physical Gold + 5% Domestic prices of Physical Silver + 40% CRISIL 10 year Gilt Index
Zerodha Life Cycle Fund 2041 - 65% Nifty 200 TRI + 5% Domestic prices of Physical Gold + 5% Domestic prices of Physical Silver + 25% CRISIL 10 year Gilt Index

5. For whom is this fund most suitable for*?

Ideal for goal-based investors seeking long-term capital appreciation targeted for 2036 or 2041.

*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

6. What is the risk profile of this fund?

Investors should understand that their principal will be at Very High Risk and the riskometer of the benchmark will be High.

7. What is the minimum investment amount?

• During NFO and Ongoing Period: Investors can start with a minimum of ₹100 and in multiples of any amount thereafter.

• Additional Purchases: Subsequent purchases also have a minimum of ₹100 and in multiples of any amount thereafter.

8. What is the New Fund Offer (NFO) price?

During the New Fund Offer period, units are offered at a face value of ₹10 per unit. (This is the price per unit that the investors have to pay to invest in NFO)

9. New Fund Offer Period

New fund offer opens on June 19, 2026 and closes on July 07, 2026 for Zerodha Life Cycle Fund 2036 and Zerodha Life Cycle Fund 2041.

10. How will my investment in this fund be taxed*?

The applicable tax rate is determined by the actual equity asset allocation of the scheme at the exact time you redeem your units:

• For an investment period of less than or equal to one year, gains or profits are treated as short-term capital gains and are taxed at a rate of 20%, plus a 4% cess and any applicable surcharge.

• For an investment period greater than one year, gains or profits are treated as long-term capital gains and are tax-free up to ₹1.25 lakhs in a financial year. Any gains exceeding ₹1.25 lakhs in a financial year are taxed at a rate of 12.5%, plus a 4% cess and any applicable surcharge.

*This  information is provided for general information only and is based on the prevailing tax laws, as applicable in case of this Scheme. However, in view of the individual nature of the implications, each investor is advised to consult his or her own tax advisors/ authorized dealers with respect to the specific amount of tax and other implications arising out of his or her participation in the schemes.

11. Are there any exit loads?

Yes, this scheme carries a tiered exit load structure based on your period of holding:

• 3% if redeemed or switched out within 1 year.

• 2% if redeemed or switched out after 1 year and up to 2 years.

• 1% if redeemed or switched out after 2 years and up to 3 years.

• Nil (0%) if redeemed or switched out after 3 years.

12. Can I start an SIP in this fund?

Yes, Systematic Investment Plans (SIP) are available during both the NFO and the ongoing offer period across multiple frequencies starting from a minimum installment amount of ₹100.