Should I invest in Aditya Birla Sun Life Dynamic Bond Fund -Direct?

We don't give personal investment advice. Aditya Birla Sun Life Dynamic Bond Fund -Direct - IDCW is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 7.5%. 5-year CAGR: 0.89%.

Aditya Birla Sun Life

Aditya Birla Sun Life Dynamic Bond Fund -Direct - IDCW

Latest NAV

₹13.2466

As of

17 Jul 2026

2,782 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%	-0.06%	+0.00	34 / 64	Q3
1W	-0.22%	-0.13%	-0.10	38 / 64	Q3
2W	-0.36%	-0.22%	-0.14	53 / 64	Q4
1M	+0.97%	+0.40%	+0.57	20 / 64	Q2
3M	+2.33%	+1.30%	+1.03	19 / 64	Q2
6M	-2.28%	+1.83%	-4.11	62 / 64	Q4
YTD	-2.67%	+1.34%	-4.02	62 / 64	Q4
1Y	-0.90%	+2.13%	-3.02	57 / 64	Q4
2Y	+1.04%	+3.27%	-2.23	40 / 64	Q3
3Y	+0.81%	+3.24%	-2.43	39 / 63	Q3
4Y	+1.00%	+3.54%	-2.54	42 / 61	Q3
5Y	+0.89%	+3.28%	-2.39	37 / 56	Q3
7Y	+1.02%	+2.70%	-1.68	29 / 52	Q3
10Y	+0.91%	+2.55%	-1.64	23 / 40	Q3
Inception	+2.13%	+2.74%	-0.61	29 / 64	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	-2.67%	+1.48%	-4.15	54 / 55
2025	+0.76%	+2.58%	-1.82	33 / 57
2024	+1.90%	+4.34%	-2.44	34 / 57
2023	+0.94%	+2.94%	-2.00	35 / 59
2022	+1.27%	+1.52%	-0.25	27 / 55
2021	+0.30%	+1.52%	-1.22	26 / 51
2020	+10.26%	+3.18%	+7.08	7 / 52
2019	-6.04%	+2.95%	-8.99	52 / 53
2018	+1.44%	+3.55%	-2.11	34 / 47
2017	-5.32%	-1.08%	-4.23	37 / 44
2016	+14.63%	+6.39%	+8.24	4 / 44

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

+2.01%

129 windows

min -7.0% · max 18.7%

75% positive

3-Year rolling

+1.35%

104 windows

min -3.3% · max 5.2%

88% positive

5-Year rolling

+1.45%

80 windows

min -0.2% · max 3.0%

94% positive

7-Year rolling

+1.41%

56 windows

min -0.2% · max 3.2%

98% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

6.34%

3-year · annualised

Sharpe ratio

-0.86

vs risk-free 6.5%

Sortino ratio

-0.95

Downside-only deviation

Max drawdown

-7.49%

Mar 2024 → Apr 2024

% positive months

77.8%

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 Dynamic Bond Fund

Scheme	Fund house	NAV	As of
HDFC Dynamic Debt Fund - Half Yearly IDCW - Direct Plan	HDFC	₹14.0403	17 Jul 2026
NIPPON INDIA DYNAMIC BOND FUND - Direct Plan - IDCW Option	Nippon India	₹30.6037	17 Jul 2026
SBI Dynamic Bond Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹23.0673	17 Jul 2026
ICICI Prudential All Seasons Bond Fund - Direct Plan - Annual IDCW	ICICI Prudential	₹11.5275	17 Jul 2026
BANDHAN Dynamic Bond Fund-Direct Plan-Annual IDCW	Bandhan	₹12.1184	17 Jul 2026
Quantum Dynamic Bond Fund - Direct Plan Monthly IDCW	Quantum	₹10.4272	17 Jul 2026
Aditya Birla Sun Life Dynamic Bond Fund -DIRECT - MONTHLY IDCW	Aditya Birla Sun Life	₹11.2370	17 Jul 2026
Franklin India Dynamic Accrual Fund-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct IDCW	Franklin India	₹0.0000	17 Jul 2026
Mirae Asset Dynamic Bond Fund Direct IDCW	Mirae Asset	₹18.7797	17 Jul 2026
Kotak Dynamic Bond Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹15.2355	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹13.2466
16 Jul 2026	₹13.2545
15 Jul 2026	₹13.2407
14 Jul 2026	₹13.2315
13 Jul 2026	₹13.2774
10 Jul 2026	₹13.2764
9 Jul 2026	₹13.2569
8 Jul 2026	₹13.2471
7 Jul 2026	₹13.2891
6 Jul 2026	₹13.3008

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 17 Jul 2026, the NAV of Aditya Birla Sun Life Dynamic Bond Fund -Direct - IDCW is ₹13.2466. It's a Dynamic Bond 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 Dynamic Bond Fund -Direct - IDCW has NAV history starting from 14 Jan 2015, a track record of about 11 years 6 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 Dynamic Bond Fund -Direct - IDCW is managed by Aditya Birla Sun Life. It's classified by AMFI under the 'Dynamic Bond Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Aditya Birla Sun Life Dynamic Bond Fund -Direct - IDCW has delivered a absolute return of -0.90% — -3.02 pp behind the Dynamic Bond Fund category average of 2.13%. The fund ranks #57 of 64 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Dynamic Bond Fund -Direct - IDCW has delivered a CAGR of 0.81% — -2.43 pp behind the Dynamic Bond Fund category average of 3.24%. The fund ranks #39 of 63 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Dynamic Bond Fund -Direct - IDCW has delivered a CAGR of 0.89% — -2.39 pp behind the Dynamic Bond Fund category average of 3.28%. The fund ranks #37 of 56 in its category — the third (Q3) quartile.

₹1 lakh invested in Aditya Birla Sun Life Dynamic Bond Fund -Direct - IDCW exactly 10 years ago would be worth approximately ₹109,466 today — a multiplier of 1.09×, based on the 10-year CAGR of 0.91%. The category average over the same window would have grown ₹1 lakh to ₹128,632.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Dynamic Bond Fund -Direct - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹607,559 today. That's an XIRR (money-weighted annualised return) of 0.49%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Dynamic Bond Fund -Direct - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,252,393 (multiplier 1.04×). XIRR: 0.85%. 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 Dynamic Bond Fund -Direct - IDCW ranks #37 out of 56 funds in the Dynamic Bond Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.28%; this fund delivered 0.89%.

The worst peak-to-trough decline Aditya Birla Sun Life Dynamic Bond Fund -Direct - IDCW has experienced over the last 5-year window is 7.49% — its NAV fell from a high on 11 Mar 2024 to a low on 19 Apr 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 Dynamic Bond Fund -Direct - IDCW averaged 1.45% (best 3.04%, worst -0.16%). 94% of rolling windows ended positive. The 5-year Sharpe ratio is -0.87 — negative risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Dynamic Bond Fund -Direct - IDCW returned 0.76% — lagging the Dynamic Bond Fund category average of 2.58% by 1.82 pp. It ranked #33 of 57 in its category that year.

Aditya Birla Sun Life Dynamic Bond Fund -Direct - IDCW is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. Aditya Birla Sun Life Dynamic Bond Fund -Direct - IDCW is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 7.5%. 5-year CAGR: 0.89%.

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