Aditya Birla Sun Life

Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW

Latest NAV

₹32.1000

As of

17 Jul 2026

3,092 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	+1.04%	-0.04%	+1.08	10 / 249	Q1
1W	-0.22%	-0.15%	-0.06	137 / 249	Q3
2W	+0.00%	-0.61%	+0.61	148 / 251	Q3
1M	+3.08%	+1.14%	+1.94	71 / 251	Q2
3M	+3.65%	+3.90%	-0.25	136 / 251	Q3
6M	-6.11%	+2.59%	-8.70	212 / 243	Q4
YTD	-6.06%	+0.68%	-6.74	197 / 241	Q4
1Y	-1.44%	+2.39%	-3.83	161 / 229	Q3
2Y	+0.25%	+0.44%	-0.19	96 / 186	Q3
3Y	+5.16%	+11.53%	-6.36	128 / 151	Q4
4Y	+9.53%	+12.75%	-3.22	97 / 125	Q4
5Y	+5.74%	+9.05%	-3.31	91 / 113	Q4
7Y	+6.03%	+14.43%	-8.40	87 / 92	Q4
10Y	+6.34%	+11.87%	-5.53	71 / 77	Q4
Inception	+9.81%	+10.06%	-0.24	142 / 251	Q3

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	-6.06%	+1.51%	-7.57	195 / 237
2025	+9.23%	+1.49%	+7.74	41 / 204
2024	+1.87%	+20.10%	-18.22	155 / 158
2023	+14.61%	+30.21%	-15.59	125 / 131
2022	+6.63%	+1.48%	+5.15	43 / 119
2021	+10.94%	+31.54%	-20.60	100 / 106
2020	-5.07%	+19.90%	-24.97	90 / 95
2019	+6.54%	+6.43%	+0.11	39 / 87
2018	-10.92%	-9.17%	-1.75	42 / 78
2017	+48.79%	+32.45%	+16.34	11 / 77
2016	+15.86%	+2.96%	+12.90	11 / 77

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

+11.64%

142 windows

min -44.6% · max 71.3%

69% positive

3-Year rolling

+9.26%

117 windows

min -16.7% · max 28.4%

87% positive

5-Year rolling

+7.36%

93 windows

min -2.8% · max 21.1%

94% positive

7-Year rolling

+7.15%

69 windows

min 2.1% · max 14.0%

100% positive

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

16.34%

3-year · annualised

Sharpe ratio

-0.01

vs risk-free 6.5%

Sortino ratio

-0.02

Downside-only deviation

Max drawdown

-21.39%

Jan 2026 → Mar 2026

% positive months

58.3%

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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - IDCW Option - Direct Plan	HDFC	₹17.4480	17 Jul 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹30.5463	17 Jul 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹12.5864	17 Jul 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹70.0600	17 Jul 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹14.5200	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹10.1960	17 Jul 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹22.0968	17 Jul 2026
Aditya Birla Sun Life Business Cycle Fund-Direct IDCW Payout	Aditya Birla Sun Life	₹14.5300	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.5239	17 Jul 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.6426	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹32.1000
16 Jul 2026	₹31.7700
15 Jul 2026	₹32.0400
14 Jul 2026	₹31.8000
13 Jul 2026	₹32.2300
10 Jul 2026	₹32.1700
9 Jul 2026	₹31.6800
8 Jul 2026	₹31.4200
7 Jul 2026	₹32.2300
6 Jul 2026	₹32.2100

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 Banking and Financial Services Fund - DIRECT - IDCW is ₹32.1000. It's a Sectoral/Thematic 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 Banking and Financial Services Fund - DIRECT - IDCW has NAV history starting from 18 Dec 2013, a track record of about 12 years 7 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 Banking and Financial Services Fund - DIRECT - IDCW is managed by Aditya Birla Sun Life. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW has delivered a absolute return of -1.44% — -3.83 pp behind the Sectoral/Thematic Fund category average of 2.39%. The fund ranks #161 of 229 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW has delivered a CAGR of 5.16% — -6.36 pp behind the Sectoral/Thematic Fund category average of 11.53%. The fund ranks #128 of 151 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW has delivered a CAGR of 5.74% — -3.31 pp behind the Sectoral/Thematic Fund category average of 9.05%. The fund ranks #91 of 113 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW exactly 10 years ago would be worth approximately ₹184,907 today — a multiplier of 1.85×, based on the 10-year CAGR of 6.34%. The category average over the same window would have grown ₹1 lakh to ₹306,966.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹693,054 today. That's an XIRR (money-weighted annualised return) of 5.70%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,650,332 (multiplier 1.38×). XIRR: 6.20%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW ranks #91 out of 113 funds in the Sectoral/Thematic Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 9.05%; this fund delivered 5.74%.

The worst peak-to-trough decline Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW has experienced over the last 5-year window is 26.37% — its NAV fell from a high on 26 Oct 2021 to a low on 20 Jun 2022. 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 Banking and Financial Services Fund - DIRECT - IDCW averaged 7.36% (best 21.09%, worst -2.83%). 94% of rolling windows ended positive. The 5-year Sharpe ratio is 0.03 — weak risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW returned 9.23% — beating the Sectoral/Thematic Fund category average of 1.49% by 7.74 pp. It ranked #41 of 204 in its category that year.

Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 26.4%. 5-year CAGR: 5.74%.

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