Zerodha Life Cycle Fund 2031

1. What is the Zerodha Life Cycle Fund 2031?

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

2. What is the investment objective?

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.

3. What is a Glide Path?

The "glide path" is the predefined path used by the fund manager to systematically reduce equity exposure and increase exposure in conservative asset classes as the target maturity approaches fund nears maturity.

4. What is the underlying benchmark? 

Zerodha Life Cycle Fund 2031 - 35% Nifty 200 TRI + 5% Domestic prices of Physical Gold + 5% Domestic prices of Physical Silver + 55% CRISIL 10 year Gilt Index

5. For whom is this fund suitable for*?

Ideal for goal-based investors seeking capital appreciation aligned with a specific target year (2031).

*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?

Risk-o-meter of the Scheme is labelled as High and the Risk-o-meter of the Benchmark (35% Nifty 200 TRI + 5% Domestic prices of Physical Gold + 5% Domestic prices of Physical Silver + 55% CRISIL 10 year Gilt Index) is labelled as Moderately 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 August 27, 2026 and closes on September 10, 2026 for Zerodha Life Cycle Fund 2031.

10. When will the scheme reopen?

The Scheme will reopen for continuous Sale and Repurchase within 05 Business Days from the date of allotment of units under NFO.

11. 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 12 months, 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 12 months, gains or profits are treated as long-term capital gains and 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.

12. 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.

The exit load, if any, collected shall be credited to the Scheme, net of Goods and Services Tax (GST), if applicable.

13. 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 amount of ₹100.

14. How can I invest in Zerodha Life Cycle Fund 2031?

The Zerodha Life Cycle Fund 2031 is available on Zerodha Fund House “WhatsApp”, Coin by Zerodha, Groww, Kuvera, Paytm Money, IND Money, CAMS Online, MFU and MFC and other such platforms.

15. What is the Total Expense Ratio (TER) for this fund?

The Total Expense Ratio (TER) will be available once the fund reopens for subscription.