Aditya Birla Sun Life

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

Latest NAV

₹23.5200

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	+1.03%	-0.06%	+1.09	9 / 168	Q1
1W	-0.25%	-0.22%	-0.04	90 / 168	Q3
2W	-0.04%	-0.98%	+0.94	107 / 170	Q3
1M	+3.02%	+0.82%	+2.20	56 / 170	Q2
3M	+3.43%	+3.83%	-0.40	101 / 170	Q3
6M	-6.56%	+1.86%	-8.42	142 / 162	Q4
YTD	-6.56%	-0.06%	-6.49	135 / 160	Q4
1Y	-2.37%	+1.21%	-3.58	109 / 150	Q3
2Y	-0.67%	-0.78%	+0.11	64 / 109	Q3
3Y	+4.18%	+9.09%	-4.90	64 / 76	Q4
4Y	+8.52%	+9.79%	-1.27	43 / 58	Q3
5Y	+4.74%	+5.30%	-0.56	37 / 48	Q4
7Y	+4.99%	+13.56%	-8.57	31 / 32	Q4
10Y	+4.16%	+11.31%	-7.14	22 / 23	Q4
Inception	+7.13%	+7.30%	-0.16	97 / 170	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	-6.56%	+1.20%	-7.76	135 / 158
2025	+8.23%	-0.40%	+8.63	24 / 129
2024	+0.92%	+19.58%	-18.66	83 / 84
2023	+13.53%	+28.75%	-15.23	61 / 62
2022	+5.55%	+0.21%	+5.34	17 / 54
2021	+9.87%	+28.31%	-18.44	42 / 43
2020	-6.11%	+22.29%	-28.41	33 / 34
2019	+5.53%	+7.10%	-1.57	17 / 29
2018	-11.89%	-10.71%	-1.19	12 / 23
2017	+32.28%	+33.65%	-1.37	12 / 23
2016	+15.07%	+5.47%	+9.60	8 / 23

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

+8.67%

142 windows

min -45.2% · max 69.6%

66% positive

3-Year rolling

+6.28%

117 windows

min -17.6% · max 23.6%

83% positive

5-Year rolling

+4.86%

93 windows

min -7.3% · max 19.9%

83% positive

7-Year rolling

+4.69%

69 windows

min 1.1% · max 9.9%

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

-0.07

vs risk-free 6.5%

Sortino ratio

-0.10

Downside-only deviation

Max drawdown

-21.55%

Jan 2026 → 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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC INNOVATION FUND - IDCW - REGULAR PLAN	HDFC	₹11.1190	17 Jul 2026
Nippon India Active Momentum Fund- Regular Plan- IDCW Option	Nippon India	₹12.8415	17 Jul 2026
SBI Automotive Opportunities Fund - Regular Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹12.2938	17 Jul 2026
Invesco India Business Cycle Fund - Regular Plan - IDCW	Invesco	₹14.1900	17 Jul 2026
Bandhan Business Cycle Fund - Regular Plan - IDCW	Bandhan	₹9.9190	17 Jul 2026
quant BFSI Fund - IDCW Option - Regular Plan	Quant	₹21.0055	17 Jul 2026
Aditya Birla Sun Life Business Cycle Fund-Regular IDCW Payout	Aditya Birla Sun Life	₹13.7000	17 Jul 2026
Motilal Oswal Active Momentum Fund - Regular- IDCW	Motilal Oswal	₹13.5064	17 Jul 2026
Mirae Asset Banking and Financial Services Fund Regular IDCW	Mirae Asset	₹21.9730	17 Jul 2026
Kotak Active Momentum Fund - Regular Plan - IDCW - Payout & Reinvestment	Kotak	₹10.6840	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹23.5200
16 Jul 2026	₹23.2800
15 Jul 2026	₹23.4800
14 Jul 2026	₹23.3000
13 Jul 2026	₹23.6200
10 Jul 2026	₹23.5800
9 Jul 2026	₹23.2200
8 Jul 2026	₹23.0300
7 Jul 2026	₹23.6200
6 Jul 2026	₹23.6100

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 - REGULAR - IDCW is ₹23.5200. It's a Sectoral/Thematic Fund from Aditya Birla Sun Life, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Aditya Birla Sun Life Banking and Financial Services Fund - REGULAR - 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 - REGULAR - 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 - REGULAR - IDCW has delivered a absolute return of -2.37% — -3.58 pp behind the Sectoral/Thematic Fund category average of 1.21%. The fund ranks #109 of 150 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Banking and Financial Services Fund - REGULAR - IDCW has delivered a CAGR of 4.18% — -4.9 pp behind the Sectoral/Thematic Fund category average of 9.09%. The fund ranks #64 of 76 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Banking and Financial Services Fund - REGULAR - IDCW has delivered a CAGR of 4.74% — -0.56 pp behind the Sectoral/Thematic Fund category average of 5.30%. The fund ranks #37 of 48 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Aditya Birla Sun Life Banking and Financial Services Fund - REGULAR - IDCW exactly 10 years ago would be worth approximately ₹150,384 today — a multiplier of 1.50×, based on the 10-year CAGR of 4.16%. The category average over the same window would have grown ₹1 lakh to ₹291,949.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Banking and Financial Services Fund - REGULAR - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹675,789 today. That's an XIRR (money-weighted annualised return) of 4.70%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Banking and Financial Services Fund - REGULAR - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,550,141 (multiplier 1.29×). XIRR: 5.00%. 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 - REGULAR - IDCW ranks #37 out of 48 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 5.30%; this fund delivered 4.74%.

The worst peak-to-trough decline Aditya Birla Sun Life Banking and Financial Services Fund - REGULAR - IDCW has experienced over the last 5-year window is 26.80% — 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 - REGULAR - IDCW averaged 4.86% (best 19.89%, worst -7.33%). 83% 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 - REGULAR - IDCW returned 8.23% — beating the Sectoral/Thematic Fund category average of -0.40% by 8.63 pp. It ranked #24 of 129 in its category that year.

Aditya Birla Sun Life Banking and Financial Services Fund - REGULAR - 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 - REGULAR - 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: 26.8%. 5-year CAGR: 4.74%.

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