Should I invest in Aditya Birla Sun Life Digital India Fund -DIRECT?

We don't give personal investment advice. Aditya Birla Sun Life Digital India Fund -DIRECT - IDCW 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: 34.9%. 5-year CAGR: 2.10%.

Aditya Birla Sun Life

Aditya Birla Sun Life Digital India Fund -DIRECT - IDCW

Latest NAV

₹51.7000

As of

2 Jun 2026

3,289 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	+2.72%	+0.27%	+2.45	2 / 249	Q1
1W	+3.90%	-1.33%	+5.23	4 / 249	Q1
2W	+3.82%	-0.44%	+4.25	15 / 251	Q1
1M	+6.31%	-0.98%	+7.29	9 / 251	Q1
3M	+6.84%	+0.91%	+5.94	51 / 249	Q1
6M	-14.23%	-3.35%	-10.88	218 / 241	Q4
YTD	-14.03%	-3.40%	-10.63	219 / 241	Q4
1Y	-14.28%	+2.11%	-16.39	217 / 225	Q4
2Y	-4.64%	+1.79%	-6.42	155 / 181	Q4
3Y	+0.84%	+12.30%	-11.46	138 / 142	Q4
4Y	+0.80%	+11.74%	-10.94	120 / 122	Q4
5Y	+2.10%	+8.93%	-6.82	106 / 111	Q4
7Y	+10.31%	+13.08%	-2.77	64 / 92	Q3
10Y	+10.12%	+12.03%	-1.90	54 / 77	Q3
Inception	+10.86%	+8.52%	+2.34	115 / 251	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	-14.03%	-2.64%	-11.39	217 / 237
2025	-10.42%	+1.49%	-11.90	194 / 204
2024	+11.10%	+20.10%	-8.99	124 / 158
2023	+26.97%	+30.21%	-3.24	76 / 131
2022	-25.34%	+1.48%	-26.82	116 / 119
2021	+64.22%	+31.54%	+32.69	8 / 106
2020	+50.81%	+19.90%	+30.91	12 / 95
2019	+2.40%	+6.43%	-4.03	57 / 87
2018	+7.22%	-9.17%	+16.38	5 / 78
2017	+23.23%	+32.45%	-9.21	56 / 77
2016	-2.77%	+2.96%	-5.73	56 / 77

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

+16.72%

151 windows

min -27.4% · max 118.4%

70% positive

3-Year rolling

+14.30%

127 windows

min -3.2% · max 36.8%

98% positive

5-Year rolling

+15.70%

103 windows

min 1.0% · max 27.8%

100% positive

7-Year rolling

+15.34%

78 windows

min 8.8% · max 20.2%

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

20.19%

3-year · annualised

Sharpe ratio

-0.18

vs risk-free 6.5%

Sortino ratio

-0.23

Downside-only deviation

Max drawdown

-34.93%

Dec 2024 → Mar 2026

% positive months

52.8%

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 - IDCW Option - Direct Plan	HDFC	₹15.9390	3 Jun 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹31.2458	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹11.7560	3 Jun 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹64.9400	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹13.3100	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹20.2732	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹29.4200	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.3281	3 Jun 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.3581	3 Jun 2026

Recent NAVs

Date	NAV
2 Jun 2026	₹51.7000
1 Jun 2026	₹50.3300
29 May 2026	₹49.6400
27 May 2026	₹49.7300
26 May 2026	₹49.7600
25 May 2026	₹49.6800
22 May 2026	₹49.2300
21 May 2026	₹49.2400
20 May 2026	₹49.5300
19 May 2026	₹49.8000

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 02 Jun 2026, the NAV of Aditya Birla Sun Life Digital India Fund -DIRECT - IDCW is ₹51.7000. It's a Sectoral/Thematic 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 Digital India Fund -DIRECT - IDCW has NAV history starting from 14 Jan 2013, a track record of about 13 years 4 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 Digital India Fund -DIRECT - IDCW 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 Digital India Fund -DIRECT - IDCW has delivered a absolute return of -14.28% — -16.39 pp behind the Sectoral/Thematic Fund category average of 2.11%. The fund ranks #217 of 225 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Digital India Fund -DIRECT - IDCW has delivered a CAGR of 0.84% — -11.46 pp behind the Sectoral/Thematic Fund category average of 12.30%. The fund ranks #138 of 142 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Digital India Fund -DIRECT - IDCW has delivered a CAGR of 2.10% — -6.82 pp behind the Sectoral/Thematic Fund category average of 8.93%. The fund ranks #106 of 111 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Aditya Birla Sun Life Digital India Fund -DIRECT - IDCW exactly 10 years ago would be worth approximately ₹262,303 today — a multiplier of 2.62×, based on the 10-year CAGR of 10.12%. The category average over the same window would have grown ₹1 lakh to ₹311,351.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Digital India Fund -DIRECT - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹566,424 today. That's an XIRR (money-weighted annualised return) of -2.26%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Digital India Fund -DIRECT - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,870,599 (multiplier 1.56×). XIRR: 8.59%. 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 Digital India Fund -DIRECT - IDCW ranks #106 out of 111 funds in the Sectoral/Thematic Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 8.93%; this fund delivered 2.10%.

The worst peak-to-trough decline Aditya Birla Sun Life Digital India Fund -DIRECT - IDCW has experienced over the last 5-year window is 34.93% — its NAV fell from a high on 13 Dec 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 Digital India Fund -DIRECT - IDCW averaged 15.70% (best 27.84%, worst 1.03%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.11 — negative risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Digital India Fund -DIRECT - IDCW returned -10.42% — lagging the Sectoral/Thematic Fund category average of 1.49% by 11.90 pp. It ranked #194 of 204 in its category that year.

Aditya Birla Sun Life Digital India Fund -DIRECT - IDCW 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 Digital India Fund -DIRECT - IDCW 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: 34.9%. 5-year CAGR: 2.10%.

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