Should I invest in Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT?

We don't give personal investment advice. Aditya Birla Sun Life Banking & PSU Debt Fund - 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: 34.2%. 5-year CAGR: -7.53%.

Aditya Birla Sun Life

Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW

Latest NAV

₹104.7496

As of

3 Jun 2026

3,238 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	+0.06%	+0.04%	+0.02	26 / 60	Q2
1W	+0.23%	+0.18%	+0.04	37 / 60	Q3
2W	+0.33%	+0.25%	+0.08	32 / 60	Q3
1M	+0.11%	+0.10%	+0.01	42 / 60	Q3
3M	-5.67%	-0.18%	-5.49	60 / 60	Q4
6M	-4.96%	+0.11%	-5.08	60 / 60	Q4
YTD	-5.06%	+0.01%	-5.07	60 / 60	Q4
1Y	-2.73%	+0.62%	-3.35	56 / 60	Q4
2Y	+0.32%	+2.02%	-1.69	32 / 60	Q3
3Y	-2.29%	+1.80%	-4.10	56 / 57	Q4
4Y	-1.78%	+1.90%	-3.67	51 / 51	Q4
5Y	-7.53%	+1.49%	-9.01	50 / 50	Q4
7Y	-4.60%	+1.49%	-6.10	47 / 47	Q4
10Y	-2.20%	+1.37%	-3.57	37 / 37	Q4
Inception	+0.13%	+1.97%	-1.85	46 / 57	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	-5.06%	-0.12%	-4.94	51 / 51
2025	+7.70%	+2.37%	+5.33	9 / 52
2024	-5.42%	+2.35%	-7.77	52 / 53
2023	-0.27%	+2.08%	-2.35	49 / 51
2022	-10.27%	+1.10%	-11.37	50 / 50
2021	-24.83%	-0.84%	-24.00	50 / 50
2020	+4.54%	+2.60%	+1.95	15 / 47
2019	+2.58%	+1.86%	+0.71	13 / 45
2018	+0.31%	+1.66%	-1.35	27 / 46
2017	+5.25%	+0.89%	+4.36	9 / 46
2016	+12.55%	+2.60%	+9.95	3 / 43

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

+0.82%

152 windows

min -32.2% · max 14.1%

67% positive

3-Year rolling

+0.04%

127 windows

min -12.5% · max 11.2%

60% positive

5-Year rolling

-0.78%

103 windows

min -8.0% · max 7.9%

44% positive

7-Year rolling

-0.59%

79 windows

min -5.2% · max 6.5%

34% 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

7.48%

3-year · annualised

Sharpe ratio

-1.14

vs risk-free 6.5%

Sortino ratio

-1.19

Downside-only deviation

Max drawdown

-13.27%

Jun 2024 → Dec 2024

% positive months

83.3%

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 Banking & PSU Fund

Scheme	Fund house	NAV	As of
HDFC Banking and PSU Debt Fund - IDCW Option - Direct Plan	HDFC	₹10.0227	3 Jun 2026
NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option	Nippon India	₹22.3658	3 Jun 2026
SBI Banking & PSU Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,520.0680	3 Jun 2026
ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹12.9930	3 Jun 2026
Invesco India Banking and PSU Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,062.6489	3 Jun 2026
Bandhan Banking and PSU Fund - Direct Annual IDCW	Bandhan	₹12.0978	3 Jun 2026
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - MONTHLY IDCW	Aditya Birla Sun Life	₹115.7797	3 Jun 2026
Franklin India Banking and PSU Debt Fund - Direct - IDCW	Franklin India	₹11.5390	3 Jun 2026
Mirae Asset Banking and PSU Fund - Direct Plan - IDCW	Mirae Asset	₹13.7262	3 Jun 2026
Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹10.2444	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹104.7496
2 Jun 2026	₹104.7663
1 Jun 2026	₹104.7025
29 May 2026	₹104.6570
27 May 2026	₹104.5833
26 May 2026	₹104.5269
25 May 2026	₹104.5215
22 May 2026	₹104.3467
21 May 2026	₹104.2850
20 May 2026	₹104.3826

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 & PSU Debt Fund - DIRECT - IDCW is ₹104.7496. It's a Banking & PSU 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 & PSU Debt Fund - DIRECT - IDCW has NAV history starting from 02 Jan 2013, a track record of about 13 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 & PSU Debt Fund - DIRECT - IDCW is managed by Aditya Birla Sun Life. It's classified by AMFI under the 'Banking & PSU Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW has delivered a absolute return of -2.73% — -3.35 pp behind the Banking & PSU Fund category average of 0.62%. The fund ranks #56 of 60 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW has delivered a CAGR of -2.29% — -4.1 pp behind the Banking & PSU Fund category average of 1.80%. The fund ranks #56 of 57 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW has delivered a CAGR of -7.53% — -9.01 pp behind the Banking & PSU Fund category average of 1.49%. The fund ranks #50 of 50 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW exactly 10 years ago would be worth approximately ₹80,090 today — a multiplier of 0.80×, based on the 10-year CAGR of -2.20%. The category average over the same window would have grown ₹1 lakh to ₹114,619.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹561,882 today. That's an XIRR (money-weighted annualised return) of -2.58%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW = ₹1,200,000 invested. It would currently be worth ₹988,758 (multiplier 0.82×). XIRR: -3.89%. 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 & PSU Debt Fund - DIRECT - IDCW ranks #50 out of 50 funds in the Banking & PSU Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 1.49%; this fund delivered -7.53%.

The worst peak-to-trough decline Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW has experienced over the last 5-year window is 34.23% — its NAV fell from a high on 14 Jun 2021 to a low on 20 Dec 2024. 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 & PSU Debt Fund - DIRECT - IDCW averaged -0.78% (best 7.94%, worst -7.97%). 44% of rolling windows ended positive. The 5-year Sharpe ratio is -1.44 — negative risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW returned 7.70% — beating the Banking & PSU Fund category average of 2.37% by 5.33 pp. It ranked #9 of 52 in its category that year.

Aditya Birla Sun Life Banking & PSU Debt Fund - 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 Banking & PSU Debt Fund - 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: 34.2%. 5-year CAGR: -7.53%.

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