Aditya Birla Sun Life

Aditya Birla Sun Life Banking & PSU Debt Fund - Direct - Quarterly IDCW

Latest NAV

₹104.0346

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	25 / 60	Q2
1W	+0.23%	+0.18%	+0.04	36 / 60	Q3
2W	+0.33%	+0.25%	+0.08	33 / 60	Q3
1M	+0.11%	+0.10%	+0.01	41 / 60	Q3
3M	-1.00%	-0.18%	-0.81	54 / 60	Q4
6M	-1.60%	+0.11%	-1.71	55 / 60	Q4
YTD	-0.36%	+0.01%	-0.37	47 / 60	Q4
1Y	-2.34%	+0.62%	-2.96	54 / 60	Q4
2Y	-4.13%	+2.02%	-6.15	60 / 60	Q4
3Y	-2.78%	+1.80%	-4.59	57 / 57	Q4
4Y	-1.65%	+1.90%	-3.55	50 / 51	Q4
5Y	-1.66%	+1.49%	-3.14	49 / 50	Q4
7Y	-0.39%	+1.49%	-1.88	43 / 47	Q4
10Y	-0.19%	+1.37%	-1.56	35 / 37	Q4
Inception	+0.17%	+1.97%	-1.81	45 / 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	-0.36%	-0.12%	-0.24	40 / 51
2025	+1.51%	+2.37%	-0.86	22 / 52
2024	-7.71%	+2.35%	-10.06	53 / 53
2023	+0.39%	+2.08%	-1.68	25 / 51
2022	-0.80%	+1.10%	-1.90	42 / 50
2021	-1.05%	-0.84%	-0.21	37 / 50
2020	+5.11%	+2.60%	+2.51	13 / 47
2019	+3.08%	+1.86%	+1.21	10 / 45
2018	-0.21%	+1.66%	-1.87	43 / 46
2017	-3.10%	+0.89%	-3.99	44 / 46
2016	+3.03%	+2.60%	+0.43	12 / 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

+0.30%

152 windows

min -8.0% · max 5.4%

59% positive

3-Year rolling

+0.37%

127 windows

min -2.8% · max 2.9%

60% positive

5-Year rolling

+0.50%

103 windows

min -1.7% · max 1.7%

77% positive

7-Year rolling

+0.68%

79 windows

min -0.4% · max 1.6%

81% 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

5.42%

3-year · annualised

Sharpe ratio

-1.69

vs risk-free 6.5%

Sortino ratio

-1.79

Downside-only deviation

Max drawdown

-9.85%

Jun 2024 → Sep 2024

% 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 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	₹104.0346
2 Jun 2026	₹104.0512
1 Jun 2026	₹103.9878
29 May 2026	₹103.9427
27 May 2026	₹103.8694
26 May 2026	₹103.8134
25 May 2026	₹103.8080
22 May 2026	₹103.6345
21 May 2026	₹103.5732
20 May 2026	₹103.6701

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 - Quarterly IDCW is ₹104.0346. 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 - Quarterly 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 - Quarterly 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 - Quarterly IDCW has delivered a absolute return of -2.34% — -2.96 pp behind the Banking & PSU Fund category average of 0.62%. The fund ranks #54 of 60 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Banking & PSU Debt Fund - Direct - Quarterly IDCW has delivered a CAGR of -2.78% — -4.59 pp behind the Banking & PSU Fund category average of 1.80%. The fund ranks #57 of 57 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Banking & PSU Debt Fund - Direct - Quarterly IDCW has delivered a CAGR of -1.66% — -3.14 pp behind the Banking & PSU Fund category average of 1.49%. The fund ranks #49 of 50 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Aditya Birla Sun Life Banking & PSU Debt Fund - Direct - Quarterly IDCW exactly 10 years ago would be worth approximately ₹98,109 today — a multiplier of 0.98×, based on the 10-year CAGR of -0.19%. 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 - Quarterly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹572,447 today. That's an XIRR (money-weighted annualised return) of -1.85%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Banking & PSU Debt Fund - Direct - Quarterly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,153,632 (multiplier 0.96×). XIRR: -0.78%. 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 - Quarterly IDCW ranks #49 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 -1.66%.

The worst peak-to-trough decline Aditya Birla Sun Life Banking & PSU Debt Fund - Direct - Quarterly IDCW has experienced over the last 5-year window is 9.85% — its NAV fell from a high on 25 Jun 2024 to a low on 19 Sep 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 - Quarterly IDCW averaged 0.50% (best 1.68%, worst -1.66%). 77% of rolling windows ended positive. The 5-year Sharpe ratio is -1.80 — negative risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Banking & PSU Debt Fund - Direct - Quarterly IDCW returned 1.51% — lagging the Banking & PSU Fund category average of 2.37% by 0.86 pp. It ranked #22 of 52 in its category that year.

Aditya Birla Sun Life Banking & PSU Debt Fund - Direct - Quarterly 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 - Quarterly 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: 9.9%. 5-year CAGR: -1.66%.

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