Aditya Birla Sun Life

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

Latest NAV

₹21.5800

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	-0.28%	+0.26%	-0.54	144 / 168	Q4
1W	-3.49%	-1.38%	-2.11	161 / 168	Q4
2W	-1.33%	-0.76%	-0.57	136 / 170	Q4
1M	-3.96%	-1.31%	-2.66	163 / 170	Q4
3M	-6.62%	+0.23%	-6.86	145 / 168	Q4
6M	-13.48%	-4.26%	-9.21	143 / 160	Q4
YTD	-14.30%	-4.32%	-9.98	148 / 160	Q4
1Y	-8.13%	+0.77%	-8.91	124 / 146	Q4
2Y	-2.28%	+0.22%	-2.50	76 / 104	Q3
3Y	+3.44%	+9.45%	-6.02	61 / 69	Q4
4Y	+6.31%	+8.63%	-2.32	43 / 56	Q4
5Y	+3.05%	+4.66%	-1.61	39 / 46	Q4
7Y	+2.61%	+11.96%	-9.35	31 / 32	Q4
10Y	+4.11%	+11.40%	-7.29	22 / 23	Q4
Inception	+6.47%	+5.31%	+1.15	85 / 170	Q2

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	-14.30%	-3.11%	-11.19	148 / 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

+8.66%

140 windows

min -46.0% · max 78.8%

64% positive

3-Year rolling

+6.05%

116 windows

min -17.6% · max 25.9%

82% positive

5-Year rolling

+4.65%

91 windows

min -8.5% · max 17.1%

82% positive

7-Year rolling

+4.60%

67 windows

min 1.4% · max 8.9%

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

17.07%

3-year · annualised

Sharpe ratio

-0.09

vs risk-free 6.5%

Sortino ratio

-0.12

Downside-only deviation

Max drawdown

-21.55%

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 INNOVATION FUND - IDCW - REGULAR PLAN	HDFC	₹10.4050	3 Jun 2026
Nippon India Active Momentum Fund- Regular Plan- IDCW Option	Nippon India	₹12.0306	3 Jun 2026
SBI Automotive Opportunities Fund - Regular Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹11.4968	3 Jun 2026
Invesco India Business Cycle Fund - Regular Plan - IDCW	Invesco	₹13.0300	3 Jun 2026
Bandhan Business Cycle Fund - Regular Plan - IDCW	Bandhan	₹9.3840	3 Jun 2026
quant BFSI Fund - IDCW Option - Regular Plan	Quant	₹19.3086	3 Jun 2026
Aditya Birla Sun Life Conglomerate Fund-Regular IDCW Payout	Aditya Birla Sun Life	₹10.5300	3 Jun 2026
Motilal Oswal Active Momentum Fund - Regular- IDCW	Motilal Oswal	₹13.3125	3 Jun 2026
Mirae Asset Banking and Financial Services Fund Regular IDCW	Mirae Asset	₹20.1370	3 Jun 2026
Kotak Active Momentum Fund - Regular Plan - IDCW - Payout & Reinvestment	Kotak	₹10.2820	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹21.5800
2 Jun 2026	₹21.5700
1 Jun 2026	₹21.6300
29 May 2026	₹21.9400
27 May 2026	₹22.2500
26 May 2026	₹22.3500
25 May 2026	₹22.4300
22 May 2026	₹22.0000
21 May 2026	₹21.8200
20 May 2026	₹21.8600

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 - REGULAR - IDCW is ₹21.5800. 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 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 - 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 -8.13% — -8.91 pp behind the Sectoral/Thematic Fund category average of 0.77%. The fund ranks #124 of 146 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Banking and Financial Services Fund - REGULAR - IDCW has delivered a CAGR of 3.44% — -6.02 pp behind the Sectoral/Thematic Fund category average of 9.45%. The fund ranks #61 of 69 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 3.05% — -1.61 pp behind the Sectoral/Thematic Fund category average of 4.66%. The fund ranks #39 of 46 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 ₹149,585 today — a multiplier of 1.50×, based on the 10-year CAGR of 4.11%. The category average over the same window would have grown ₹1 lakh to ₹294,429.

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 ₹625,564 today. That's an XIRR (money-weighted annualised return) of 1.64%.

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 ₹1,432,373 (multiplier 1.19×). XIRR: 3.47%. 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 #39 out of 46 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 4.66%; this fund delivered 3.05%.

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 4.65% (best 17.12%, worst -8.51%). 82% of rolling windows ended positive. The 5-year Sharpe ratio is -0.09 — 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: 3.05%.

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