Should I invest in Aditya Birla Sun Life Consumption Fund?

We don't give personal investment advice. Aditya Birla Sun Life Consumption Fund-Growth Option 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: 22.0%. 5-year CAGR: 10.46%.

Birla Sun Life

Aditya Birla Sun Life Consumption Fund-Growth Option

Latest NAV

₹204.2200

As of

24 Jul 2026

4,999 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	-0.43%	-0.24%	-0.19	102 / 122	Q4
1W	-0.51%	-1.20%	+0.69	30 / 122	Q1
2W	-1.20%	-1.38%	+0.17	62 / 122	Q3
1M	+0.69%	-0.33%	+1.02	41 / 122	Q2
3M	+1.20%	+2.77%	-1.57	77 / 122	Q3
6M	-0.96%	+4.75%	-5.70	94 / 122	Q4
YTD	-6.82%	+0.21%	-7.03	102 / 122	Q4
1Y	-5.95%	+1.48%	-7.42	93 / 120	Q4
2Y	-2.02%	+1.54%	-3.55	74 / 116	Q3
3Y	+8.47%	+13.01%	-4.54	92 / 114	Q4
4Y	+10.85%	+14.55%	-3.70	77 / 106	Q3
5Y	+10.46%	+11.72%	-1.26	62 / 104	Q3
7Y	+14.20%	+14.88%	-0.68	53 / 99	Q3
10Y	+12.97%	+11.23%	+1.75	35 / 93	Q2
Inception	+13.97%	+10.97%	+3.00	25 / 122	Q1

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	-6.82%	+0.11%	-6.93	98 / 118
2025	+3.77%	+3.20%	+0.57	43 / 115
2024	+17.34%	+19.60%	-2.26	65 / 113
2023	+25.06%	+31.56%	-6.50	74 / 108
2022	+5.09%	+2.19%	+2.90	51 / 104
2021	+29.17%	+32.41%	-3.24	53 / 102
2020	+14.58%	+18.32%	-3.74	44 / 100
2019	+14.43%	+5.50%	+8.93	14 / 97
2018	-1.00%	-10.07%	+9.07	21 / 94
2017	+38.13%	+30.10%	+8.03	28 / 93
2016	+7.18%	-0.25%	+7.43	19 / 93

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

+17.02%

236 windows

min -46.3% · max 81.7%

81% positive

3-Year rolling

+16.14%

211 windows

min -1.6% · max 32.5%

99% positive

5-Year rolling

+16.29%

187 windows

min 5.0% · max 24.3%

100% positive

7-Year rolling

+16.22%

163 windows

min 10.2% · max 24.2%

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

13.26%

3-year · annualised

Sharpe ratio

0.20

vs risk-free 6.5%

Sortino ratio

0.28

Downside-only deviation

Max drawdown

-22.04%

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	HDFC	₹17.7760	24 Jul 2026
Nippon India Japan Equity Fund- Growth Plan- Bonus Option	Nippon India	₹27.1441	24 Jul 2026
SBI COMMA Fund - REGULAR PLAN - Growth	SBI	₹114.8349	24 Jul 2026
ICICI Prudential Active Momentum Fund - Growth	ICICI Prudential	₹10.5800	24 Jul 2026
Franklin Asian Equity Fund - Growth Plan	Franklin Templeton	₹43.3220	24 Jul 2026
Franklin India Multi-Factor Fund- Growth	Franklin India	₹9.3942	24 Jul 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Growth	Kotak	₹68.1110	24 Jul 2026
CANARA ROBECO INFRASTRUCTURE FUND - REGULAR PLAN - GROWTH OPTION	Canara Robeco	₹166.1100	24 Jul 2026
UTI - MNC Fund - Regular Plan - Growth Option	UTI	₹392.8627	24 Jul 2026
Aditya Birla Sun Life Consumption Fund -Regular - IDCW	Birla Sun Life	₹35.4300	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹204.2200
23 Jul 2026	₹205.1100
22 Jul 2026	₹205.8500
21 Jul 2026	₹206.5300
20 Jul 2026	₹205.5800
17 Jul 2026	₹205.2700
16 Jul 2026	₹204.6700
15 Jul 2026	₹205.2300
14 Jul 2026	₹204.6200
13 Jul 2026	₹205.8200

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 24 Jul 2026, the NAV of Aditya Birla Sun Life Consumption Fund-Growth Option is ₹204.2200. It's a Sectoral/Thematic Fund from Birla Sun Life, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

Aditya Birla Sun Life Consumption Fund-Growth Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Aditya Birla Sun Life Consumption Fund-Growth Option is managed by 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 Option has delivered a absolute return of -5.95% — -7.42 pp behind the Sectoral/Thematic Fund category average of 1.48%. The fund ranks #93 of 120 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Consumption Fund-Growth Option has delivered a CAGR of 8.47% — -4.54 pp behind the Sectoral/Thematic Fund category average of 13.01%. The fund ranks #92 of 114 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Consumption Fund-Growth Option has delivered a CAGR of 10.46% — -1.26 pp behind the Sectoral/Thematic Fund category average of 11.72%. The fund ranks #62 of 104 in its category — the third (Q3) quartile.

₹1 lakh invested in Aditya Birla Sun Life Consumption Fund-Growth Option exactly 10 years ago would be worth approximately ₹338,617 today — a multiplier of 3.39×, based on the 10-year CAGR of 12.97%. The category average over the same window would have grown ₹1 lakh to ₹289,792.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Consumption Fund-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹733,538 today. That's an XIRR (money-weighted annualised return) of 7.97%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Consumption Fund-Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,290,668 (multiplier 1.91×). XIRR: 12.41%. 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 Option ranks #62 out of 104 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 11.72%; this fund delivered 10.46%.

The worst peak-to-trough decline Aditya Birla Sun Life Consumption Fund-Growth Option has experienced over the last 5-year window is 22.04% — its NAV fell from a high on 26 Sep 2024 to a low on 31 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 Option averaged 16.29% (best 24.31%, worst 5.00%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.33 — weak risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Consumption Fund-Growth Option returned 3.77% — beating the Sectoral/Thematic Fund category average of 3.20% by 0.57 pp. It ranked #43 of 115 in its category that year.

Aditya Birla Sun Life Consumption Fund-Growth Option 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 Option 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: 22.0%. 5-year CAGR: 10.46%.

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