Aditya Birla Sun Life

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

Latest NAV

₹115.7797

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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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	24 / 60	Q2
1W	-0.23%	+0.18%	-0.41	59 / 60	Q4
2W	-0.13%	+0.25%	-0.38	56 / 60	Q4
1M	-0.35%	+0.10%	-0.45	55 / 60	Q4
3M	-0.87%	-0.18%	-0.69	53 / 60	Q4
6M	-1.49%	+0.11%	-1.60	54 / 60	Q4
YTD	-1.17%	+0.01%	-1.18	53 / 60	Q4
1Y	-2.07%	+0.62%	-2.69	52 / 60	Q4
2Y	+0.57%	+2.02%	-1.45	27 / 60	Q2
3Y	+0.35%	+1.80%	-1.45	24 / 57	Q2
4Y	+0.62%	+1.90%	-1.27	24 / 51	Q2
5Y	+0.18%	+1.49%	-1.31	26 / 50	Q3
7Y	+0.98%	+1.49%	-0.52	16 / 47	Q2
10Y	+0.90%	+1.37%	-0.48	12 / 37	Q2
Inception	+1.09%	+1.97%	-0.88	26 / 57	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	-1.17%	-0.12%	-1.05	45 / 51
2025	+1.46%	+2.37%	-0.91	23 / 52
2024	+1.29%	+2.35%	-1.05	21 / 53
2023	+0.40%	+2.08%	-1.68	24 / 51
2022	-0.70%	+1.10%	-1.80	40 / 50
2021	-0.65%	-0.84%	+0.18	34 / 50
2020	+5.01%	+2.60%	+2.41	14 / 47
2019	+3.00%	+1.86%	+1.13	11 / 45
2018	+0.02%	+1.66%	-1.64	38 / 46
2017	-2.64%	+0.89%	-3.53	43 / 46
2016	+4.71%	+2.60%	+2.11	11 / 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

+1.28%

152 windows

min -2.8% · max 5.4%

74% positive

3-Year rolling

+1.20%

127 windows

min -0.4% · max 3.5%

92% positive

5-Year rolling

+1.15%

103 windows

min 0.2% · max 2.0%

100% positive

7-Year rolling

+1.28%

79 windows

min 0.5% · max 2.1%

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

1.41%

3-year · annualised

Sharpe ratio

-4.36

vs risk-free 6.5%

Sortino ratio

-6.55

Downside-only deviation

Max drawdown

-2.66%

May 2025 → Jun 2026

% positive months

61.1%

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 - IDCW	Aditya Birla Sun Life	₹104.7496	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	₹115.7797
2 Jun 2026	₹115.7981
1 Jun 2026	₹115.7275
29 May 2026	₹116.2067
27 May 2026	₹116.1248
26 May 2026	₹116.0622
25 May 2026	₹116.0562
22 May 2026	₹115.8622
21 May 2026	₹115.7936
20 May 2026	₹115.9020

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 - MONTHLY IDCW is ₹115.7797. 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 - MONTHLY 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 - MONTHLY 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 - MONTHLY IDCW has delivered a absolute return of -2.07% — -2.69 pp behind the Banking & PSU Fund category average of 0.62%. The fund ranks #52 of 60 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - MONTHLY IDCW has delivered a CAGR of 0.35% — -1.45 pp behind the Banking & PSU Fund category average of 1.80%. The fund ranks #24 of 57 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - MONTHLY IDCW has delivered a CAGR of 0.18% — -1.31 pp behind the Banking & PSU Fund category average of 1.49%. The fund ranks #26 of 50 in its category — the third (Q3) quartile.

₹1 lakh invested in Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - MONTHLY IDCW exactly 10 years ago would be worth approximately ₹109,339 today — a multiplier of 1.09×, based on the 10-year CAGR of 0.90%. 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 - MONTHLY IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹604,483 today. That's an XIRR (money-weighted annualised return) of 0.29%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - MONTHLY IDCW = ₹1,200,000 invested. It would currently be worth ₹1,240,584 (multiplier 1.03×). XIRR: 0.66%. 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 - MONTHLY IDCW ranks #26 out of 50 funds in the Banking & PSU Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 1.49%; this fund delivered 0.18%.

The worst peak-to-trough decline Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - MONTHLY IDCW has experienced over the last 5-year window is 2.66% — its NAV fell from a high on 29 May 2025 to a low on 01 Jun 2026. 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 - MONTHLY IDCW averaged 1.15% (best 1.97%, worst 0.18%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -4.91 — negative risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - MONTHLY IDCW returned 1.46% — lagging the Banking & PSU Fund category average of 2.37% by 0.91 pp. It ranked #23 of 52 in its category that year.

Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - MONTHLY 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 - MONTHLY 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: 2.7%. 5-year CAGR: 0.18%.

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