Should I invest in Aditya Birla Sun Life Consumption Fund?

We don't give personal investment advice. Aditya Birla Sun Life Consumption Fund - Growth - Direct Plan 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 lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 20.8%. 5-year CAGR: 11.73%.

Aditya Birla Sun Life

Aditya Birla Sun Life Consumption Fund - Growth - Direct Plan

Latest NAV

₹224.9900

As of

3 Jun 2026

3,299 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	+0.35%	+0.27%	+0.08	112 / 258	Q2
1W	-2.13%	-1.34%	-0.80	193 / 258	Q3
2W	-1.71%	+0.04%	-1.75	235 / 259	Q4
1M	-3.42%	-0.39%	-3.03	242 / 259	Q4
3M	-4.39%	+2.19%	-6.58	226 / 257	Q4
6M	-10.86%	-1.09%	-9.76	234 / 247	Q4
YTD	-10.53%	-1.30%	-9.23	236 / 247	Q4
1Y	-6.52%	+5.02%	-11.54	215 / 230	Q4
2Y	+1.57%	+5.50%	-3.93	137 / 182	Q4
3Y	+10.34%	+16.94%	-6.60	123 / 139	Q4
4Y	+12.21%	+16.57%	-4.36	99 / 119	Q4
5Y	+11.73%	+13.73%	-1.99	76 / 109	Q3
7Y	+13.97%	+16.42%	-2.45	63 / 91	Q3
10Y	+14.56%	+15.07%	-0.51	46 / 76	Q3
Inception	+15.57%	+10.45%	+5.12	82 / 259	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	-10.53%	-0.94%	-9.59	234 / 244
2025	+4.85%	+4.41%	+0.44	89 / 208
2024	+18.63%	+23.18%	-4.55	105 / 155
2023	+26.45%	+33.51%	-7.06	92 / 127
2022	+6.34%	+4.32%	+2.02	59 / 116
2021	+30.65%	+34.43%	-3.78	57 / 104
2020	+15.98%	+21.19%	-5.22	43 / 94
2019	+15.72%	+9.30%	+6.42	16 / 85
2018	+0.11%	-5.36%	+5.46	22 / 77
2017	+39.80%	+35.61%	+4.19	36 / 76
2016	+8.34%	+4.98%	+3.36	27 / 76

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

+19.11%

152 windows

min -19.7% · max 70.1%

88% positive

3-Year rolling

+17.58%

127 windows

min -0.2% · max 30.2%

99% positive

5-Year rolling

+17.27%

103 windows

min 4.9% · max 24.8%

100% positive

7-Year rolling

+16.74%

79 windows

min 13.4% · max 20.4%

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

14.43%

3-year · annualised

Sharpe ratio

0.31

vs risk-free 6.5%

Sortino ratio

0.44

Downside-only deviation

Max drawdown

-20.79%

Sep 2024 → Mar 2026

% positive months

66.7%

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 Banking & Financial Services Fund - Growth Option - Direct Plan	HDFC	₹18.0340	3 Jun 2026
Nippon India Active Momentum Fund-Direct Plan - Growth Option	Nippon India	₹12.1791	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Growth	SBI	₹11.7563	3 Jun 2026
ICICI Prudential Active Momentum Fund - Direct Plan - Growth	ICICI Prudential	₹10.6800	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - Growth	Invesco	₹13.3000	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - Growth	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - Growth Option - Direct Plan	Quant	₹20.2506	3 Jun 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - DIRECT PLAN - GROWTH OPTION	Quantum	₹23.5100	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹66.7400	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-Growth	Motilal Oswal	₹13.3284	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹224.9900
2 Jun 2026	₹225.3100
1 Jun 2026	₹224.5200
29 May 2026	₹227.2300
27 May 2026	₹230.7300
26 May 2026	₹230.2200
25 May 2026	₹230.9000
22 May 2026	₹229.2800
21 May 2026	₹228.4800
20 May 2026	₹228.6000

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 Consumption Fund - Growth - Direct Plan is ₹224.9900. It's a Sectoral/Thematic Fund from Aditya Birla Sun Life, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Aditya Birla Sun Life Consumption Fund - Growth - Direct Plan 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 Consumption Fund - Growth - Direct Plan 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 Consumption Fund - Growth - Direct Plan has delivered a absolute return of -6.52% — -11.54 pp behind the Sectoral/Thematic Fund category average of 5.02%. The fund ranks #215 of 230 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Consumption Fund - Growth - Direct Plan has delivered a CAGR of 10.34% — -6.6 pp behind the Sectoral/Thematic Fund category average of 16.94%. The fund ranks #123 of 139 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Consumption Fund - Growth - Direct Plan has delivered a CAGR of 11.73% — -1.99 pp behind the Sectoral/Thematic Fund category average of 13.73%. The fund ranks #76 of 109 in its category — the third (Q3) quartile.

₹1 lakh invested in Aditya Birla Sun Life Consumption Fund - Growth - Direct Plan exactly 10 years ago would be worth approximately ₹389,473 today — a multiplier of 3.89×, based on the 10-year CAGR of 14.56%. The category average over the same window would have grown ₹1 lakh to ₹407,181.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Consumption Fund - Growth - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹730,066 today. That's an XIRR (money-weighted annualised return) of 7.78%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Consumption Fund - Growth - Direct Plan = ₹1,200,000 invested. It would currently be worth ₹2,373,054 (multiplier 1.98×). XIRR: 13.07%. 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 Consumption Fund - Growth - Direct Plan ranks #76 out of 109 funds in the Sectoral/Thematic Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 13.73%; this fund delivered 11.73%.

The worst peak-to-trough decline Aditya Birla Sun Life Consumption Fund - Growth - Direct Plan has experienced over the last 5-year window is 20.79% — its NAV fell from a high on 26 Sep 2024 to a low on 30 Mar 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 Consumption Fund - Growth - Direct Plan averaged 17.27% (best 24.84%, worst 4.86%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.41 — weak risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Consumption Fund - Growth - Direct Plan returned 4.85% — beating the Sectoral/Thematic Fund category average of 4.41% by 0.44 pp. It ranked #89 of 208 in its category that year.

Aditya Birla Sun Life Consumption Fund - Growth - Direct Plan 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 Consumption Fund - Growth - Direct Plan 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: 20.8%. 5-year CAGR: 11.73%.

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