Should I invest in ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA- Direct?

We don't give personal investment advice. ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA- Direct - IDCW is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 21.8%. 5-year CAGR: 6.40%.

Aditya Birla Sun Life

ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA- Direct - IDCW

Latest NAV

₹19.0800

As of

17 Jul 2026

1,827 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.32%	+0.33%	-0.02	5 / 9	Q3
1W	+0.21%	+0.20%	+0.01	4 / 9	Q2
2W	+0.53%	-1.30%	+1.83	4 / 9	Q2
1M	+2.09%	-0.31%	+2.39	2 / 9	Q1
3M	-2.60%	+0.06%	-2.67	7 / 9	Q4
6M	-4.74%	-1.20%	-3.55	7 / 9	Q4
YTD	-6.15%	-2.30%	-3.85	7 / 9	Q4
1Y	-2.85%	-1.02%	-1.84	6 / 9	Q3
2Y	-6.68%	+1.65%	-8.33	9 / 9	Q4
3Y	+5.28%	+8.91%	-3.63	8 / 8	Q4
4Y	+8.85%	+11.10%	-2.24	5 / 8	Q3
5Y	+6.40%	+8.87%	-2.46	7 / 7	Q4
7Y	+9.67%	+11.65%	-1.98	6 / 7	Q4
10Y	—	—	—	—	—
Inception	+9.07%	+11.37%	-2.30	8 / 9	Q4

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-6.15%	-3.57%	-2.58	6 / 8
2025	+1.15%	+4.97%	-3.82	8 / 8
2024	+7.63%	+15.01%	-7.38	8 / 8
2023	+24.44%	+21.24%	+3.21	4 / 7
2022	+1.86%	+0.06%	+1.80	4 / 7
2021	+13.71%	+24.40%	-10.69	7 / 7
2020	+16.18%	+15.63%	+0.55	5 / 7
2019	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+11.33%

79 windows

min -18.4% · max 45.5%

70% positive

3-Year rolling

+12.17%

55 windows

min 5.3% · max 19.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+12.29%

30 windows

min 6.4% · max 18.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+9.19%

6 windows

min 8.0% · max 10.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

14.11%

3-year · annualised

Sharpe ratio

-0.03

vs risk-free 6.5%

Sortino ratio

-0.04

Downside-only deviation

Max drawdown

-21.78%

Aug 2024 → Mar 2026

% positive months

55.6%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Children's Fund

Scheme	Fund house	NAV	As of
HDFC Childrens Fund - Direct Plan	HDFC	₹327.1310	17 Jul 2026
ICICI Prudential Children's Fund - Direct Plan	ICICI Prudential	₹364.1300	17 Jul 2026
UTI Children's Equity Fund - Direct Plan - IDCW	UTI	₹91.8379	17 Jul 2026
Axis Children's Fund - Lock in - Direct Plan - IDCW	Axis	₹27.8079	17 Jul 2026
Union Children's Fund - Direct Plan - IDCW Option	Union	₹13.2900	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹19.0800
16 Jul 2026	₹19.0200
15 Jul 2026	₹19.0400
14 Jul 2026	₹18.9900
13 Jul 2026	₹19.1000
10 Jul 2026	₹19.0400
9 Jul 2026	₹18.8200
8 Jul 2026	₹18.6500
7 Jul 2026	₹19.0000
6 Jul 2026	₹19.0800

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA- Direct - IDCW is ₹19.0800. It's a Children's Fund from Aditya Birla Sun Life, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA- Direct - IDCW has NAV history starting from 12 Feb 2019, a track record of about 7 years 5 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA- Direct - IDCW is managed by Aditya Birla Sun Life. It's classified by AMFI under the 'Children's Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA- Direct - IDCW has delivered a absolute return of -2.85% — -1.84 pp behind the Children's Fund category average of -1.02%. The fund ranks #6 of 9 in its category — the third (Q3) quartile.

Over the trailing 3-year window, ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA- Direct - IDCW has delivered a CAGR of 5.28% — -3.63 pp behind the Children's Fund category average of 8.91%. The fund ranks #8 of 8 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA- Direct - IDCW has delivered a CAGR of 6.40% — -2.46 pp behind the Children's Fund category average of 8.87%. The fund ranks #7 of 7 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA- Direct - IDCW exactly 5 years ago would be worth approximately ₹136,383 today — a multiplier of 1.36×, based on the 5-year CAGR of 6.40%. The category average over the same window would have grown ₹1 lakh to ₹152,920.

A ₹10,000 monthly SIP in ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA- Direct - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹679,443 today. That's an XIRR (money-weighted annualised return) of 4.92%.

ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA- Direct - IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,097,190 — XIRR 7.51%.

On a 5-year basis, ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA- Direct - IDCW ranks #7 out of 7 funds in the Children's Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 8.87%; this fund delivered 6.40%.

The worst peak-to-trough decline ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA- Direct - IDCW has experienced over the last 5-year window is 21.78% — its NAV fell from a high on 23 Aug 2024 to a low on 30 Mar 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA- Direct - IDCW averaged 12.29% (best 18.17%, worst 6.40%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.05 — weak risk-adjusted performance.

In calendar year 2025, ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA- Direct - IDCW returned 1.15% — lagging the Children's Fund category average of 4.97% by 3.82 pp. It ranked #8 of 8 in its category that year.

ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA- Direct - IDCW doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA- Direct - IDCW is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 21.8%. 5-year CAGR: 6.40%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA- Direct - IDCW

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Children's Fund

Recent NAVs

Frequently asked questions

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