Aditya Birla Sun Life

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

Latest NAV

₹29.4200

As of

3 Jun 2026

3,061 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	-0.27%	+0.27%	-0.54	213 / 249	Q4
1W	-3.48%	-1.33%	-2.15	238 / 249	Q4
2W	-1.31%	-0.44%	-0.87	203 / 251	Q4
1M	-3.89%	-0.98%	-2.91	237 / 251	Q4
3M	-6.43%	+0.91%	-7.33	217 / 249	Q4
6M	-13.07%	-3.35%	-9.72	209 / 241	Q4
YTD	-13.96%	-3.40%	-10.56	217 / 241	Q4
1Y	-7.28%	+2.11%	-9.40	188 / 225	Q4
2Y	-1.38%	+1.79%	-3.17	122 / 181	Q3
3Y	+4.41%	+12.30%	-7.89	126 / 142	Q4
4Y	+7.31%	+11.74%	-4.43	97 / 122	Q4
5Y	+4.04%	+8.93%	-4.89	99 / 111	Q4
7Y	+3.63%	+13.08%	-9.46	90 / 92	Q4
10Y	+6.27%	+12.03%	-5.75	71 / 77	Q4
Inception	+9.14%	+8.52%	+0.62	136 / 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	-13.96%	-2.64%	-11.32	215 / 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

+11.62%

140 windows

min -45.5% · max 80.7%

69% positive

3-Year rolling

+9.01%

116 windows

min -16.7% · max 28.4%

88% positive

5-Year rolling

+7.16%

91 windows

min -4.1% · max 18.3%

95% positive

7-Year rolling

+7.10%

67 windows

min 2.9% · max 13.0%

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

17.10%

3-year · annualised

Sharpe ratio

-0.04

vs risk-free 6.5%

Sortino ratio

-0.05

Downside-only deviation

Max drawdown

-21.39%

Jan 2026 → Mar 2026

% positive months

63.9%

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	₹15.9390	3 Jun 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹31.2458	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹11.7560	3 Jun 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹64.9400	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹13.3100	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹20.2732	3 Jun 2026
Aditya Birla Sun Life Conglomerate Fund-Direct IDCW Payout	Aditya Birla Sun Life	₹10.7500	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.3281	3 Jun 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.3581	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹29.4200
2 Jun 2026	₹29.4000
1 Jun 2026	₹29.4800
29 May 2026	₹29.9000
27 May 2026	₹30.3300
26 May 2026	₹30.4600
25 May 2026	₹30.5700
22 May 2026	₹29.9800
21 May 2026	₹29.7400
20 May 2026	₹29.7900

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 03 Jun 2026, the NAV of Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW is ₹29.4200. 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 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 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 -7.28% — -9.4 pp behind the Sectoral/Thematic Fund category average of 2.11%. The fund ranks #188 of 225 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW has delivered a CAGR of 4.41% — -7.89 pp behind the Sectoral/Thematic Fund category average of 12.30%. The fund ranks #126 of 142 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 4.04% — -4.89 pp behind the Sectoral/Thematic Fund category average of 8.93%. The fund ranks #99 of 111 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 ₹183,749 today — a multiplier of 1.84×, based on the 10-year CAGR of 6.27%. The category average over the same window would have grown ₹1 lakh to ₹311,351.

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 ₹641,472 today. That's an XIRR (money-weighted annualised return) of 2.64%.

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 ₹1,526,600 (multiplier 1.27×). XIRR: 4.71%. 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 #99 out of 111 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 8.93%; this fund delivered 4.04%.

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 7.16% (best 18.28%, worst -4.10%). 95% of rolling windows ended positive. The 5-year Sharpe ratio is -0.03 — negative 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: 4.04%.

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