COMPARE
Zerodha Life Cycle Fund 2036 - Direct - Growth vs Zerodha Life Cycle Fund 2041 - Direct - Growth
Zerodha Life Cycle Fund 2036 and Zerodha Life Cycle Fund 2041 are both in the Life Cycle Fund category, from Zerodha Asset Management Private Limited. Zerodha Life Cycle Fund 2036 has the lower expense ratio. See the full table and FAQ below for the complete real-data comparison.
Basics
Zerodha Life Cycle Fund 2036 has the lower direct-plan expense ratio, by 0.10 percentage points.
| Zerodha Life Cycle Fund 2036 - Direct - Growth | Zerodha Life Cycle Fund 2041 - Direct - Growth | |
|---|---|---|
| Category | Life Cycle Fund | Life Cycle Fund |
| AMC | Zerodha Asset Management Private Limited | Zerodha Asset Management Private Limited |
| Benchmark | Nifty 500 TRI | Nifty 500 TRI |
| NAV | ₹9.3954 (2026-10-28) | ₹9.3116 (2026-10-28) |
| AUM | ₹19.22 Cr | ₹18.05 Cr |
| Expense Ratio (Direct) | 1.29% | 1.39% |
| Inception | 2026-06-19 | 2026-06-19 |
Returns
This fund is less than a year old, so there is not yet enough history to calculate rolling returns.
Risk Metrics
This fund is less than three years old, so a three-year risk history does not exist yet.
Portfolio Analytics
Zerodha Life Cycle Fund 2036 carries the higher portfolio YTM.
| Zerodha Life Cycle Fund 2036 - Direct - Growth | Zerodha Life Cycle Fund 2041 - Direct - Growth | |
|---|---|---|
| P/E Ratio | 23.4342 | 23.7053 |
| P/B Ratio | 7.8862 | 7.8128 |
| Dividend Yield | 1.1368% | 1.1467% |
| Active Share | - | - |
| Portfolio Turnover | - | - |
| YTM | 7.18% | 7.18% |
| Duration (Macaulay) | - | - |
Punji Fund Health Score
Zerodha Life Cycle Fund 2036 and Zerodha Life Cycle Fund 2041 carry the same Punji Quality grade.
Frequently asked questions
Which has a lower expense ratio, Zerodha Life Cycle Fund 2036 or Zerodha Life Cycle Fund 2041?
Zerodha Life Cycle Fund 2036's direct-plan expense ratio is 0.10 percentage points lower than Zerodha Life Cycle Fund 2041's. Over long holding periods, a persistent expense-ratio gap compounds into a materially different final corpus even if the two funds' gross returns are similar - it's one of the few fund attributes you can compare with total certainty upfront, unlike future returns, since the fee is contractually fixed rather than a historical estimate.
Why don't Zerodha Life Cycle Fund 2036 and Zerodha Life Cycle Fund 2041 show risk metrics like Sharpe ratio or alpha?
This fund is less than three years old, so a three-year risk history does not exist yet. This is a deliberate methodology choice, not missing data - risk metrics like alpha and Sharpe ratio are most meaningful for actively-managed funds where a manager makes decisions that can add or subtract value versus a benchmark. For a fund that mechanically tracks an index, the equivalent useful metric is tracking error (how closely it follows its index), not alpha.
Which has higher AUM, Zerodha Life Cycle Fund 2036 or Zerodha Life Cycle Fund 2041?
Zerodha Life Cycle Fund 2036 has ₹19 Cr in assets under management, versus ₹18 Cr for Zerodha Life Cycle Fund 2041. A larger AUM generally means deeper liquidity and lower per-unit fixed costs for the AMC to spread across investors, but an AUM that's very large relative to a fund's category and strategy (especially in small/mid cap categories, where the investable universe is smaller) can also make it harder for a manager to enter and exit positions without moving the price - bigger isn't automatically better, especially for less liquid categories.
Which has a higher yield to maturity (YTM), Zerodha Life Cycle Fund 2036 or Zerodha Life Cycle Fund 2041?
Zerodha Life Cycle Fund 2036's portfolio YTM (7.18%) is higher than Zerodha Life Cycle Fund 2041's. YTM is the weighted-average return a debt fund's current bond holdings would earn if held to maturity, assuming no defaults and coupons reinvested at the same rate - a useful forward-looking yield estimate for debt funds the way rolling CAGR is for equity funds, though it's an estimate based on today's portfolio, not a guaranteed return, and can move as bonds are bought/sold or as interest rates change.
Which fund has a longer track record, Zerodha Life Cycle Fund 2036 or Zerodha Life Cycle Fund 2041?
Zerodha Life Cycle Fund 2036 launched on 2026-06-19, making it older than Zerodha Life Cycle Fund 2041 (launched 2026-06-19). A longer track record means more real market cycles (bull runs, corrections, rate cycles) the fund has actually navigated, which is useful context for judging consistency - but it isn't a guarantee of future performance, and a newer fund isn't automatically worse, especially if it's run by an experienced manager or team with a track record at a prior fund.
Data as of 2026-10-29. Source: AMFI disclosures via Punji. Not investment advice.