Should I invest in Aditya Birla Sun Life Equity Hybrid'95 Fund -DIRECT?

We don't give personal investment advice. Aditya Birla Sun Life Equity Hybrid'95 Fund -DIRECT - IDCW is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 19.6%. 5-year CAGR: 3.21%.

Aditya Birla Sun Life

Aditya Birla Sun Life Equity Hybrid'95 Fund -DIRECT - IDCW

Latest NAV

₹296.3500

As of

17 Jul 2026

3,331 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	+0.60%	+0.20%	+0.40	1 / 55	Q1
1W	+0.37%	-0.16%	+0.53	6 / 55	Q1
2W	+0.68%	+0.10%	+0.58	9 / 55	Q1
1M	+2.43%	+0.84%	+1.59	4 / 55	Q1
3M	+2.59%	+1.61%	+0.98	15 / 55	Q2
6M	-2.19%	-0.75%	-1.44	32 / 55	Q3
YTD	-3.19%	-2.54%	-0.64	31 / 55	Q3
1Y	-3.94%	-0.18%	-3.75	35 / 55	Q3
2Y	-3.24%	+1.30%	-4.54	42 / 54	Q4
3Y	+4.25%	+9.24%	-4.99	45 / 55	Q4
4Y	+5.31%	+11.12%	-5.81	43 / 52	Q4
5Y	+3.21%	+9.61%	-6.40	43 / 49	Q4
7Y	+6.58%	+11.18%	-4.60	39 / 48	Q4
10Y	+4.67%	+7.86%	-3.18	24 / 33	Q3
Inception	+7.29%	+8.35%	-1.06	34 / 55	Q3

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	-3.19%	-2.48%	-0.71	29 / 50
2025	+0.38%	+1.24%	-0.86	29 / 53
2024	+8.16%	+15.74%	-7.58	44 / 53
2023	+13.76%	+19.87%	-6.11	39 / 53
2022	-6.66%	+2.08%	-8.75	43 / 50
2021	+19.61%	+22.26%	-2.65	32 / 51
2020	+12.36%	+14.45%	-2.09	26 / 49
2019	+1.79%	+3.69%	-1.90	28 / 47
2018	-8.66%	-8.13%	-0.52	20 / 35
2017	+15.86%	+15.92%	-0.07	22 / 35
2016	+7.50%	+0.88%	+6.63	4 / 28

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

+9.47%

153 windows

min -24.7% · max 55.0%

65% positive

3-Year rolling

+7.57%

129 windows

min -10.7% · max 23.0%

88% positive

5-Year rolling

+6.80%

105 windows

min -2.8% · max 15.4%

94% positive

7-Year rolling

+6.18%

80 windows

min 3.9% · max 10.3%

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

10.36%

3-year · annualised

Sharpe ratio

-0.17

vs risk-free 6.5%

Sortino ratio

-0.25

Downside-only deviation

Max drawdown

-19.64%

Sep 2024 → Mar 2026

% positive months

55.6%

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 Aggressive Hybrid Fund

Scheme	Fund house	NAV	As of
HDFC Hybrid Equity Fund - IDCW Option - Direct Plan	HDFC	₹17.7700	17 Jul 2026
NIPPON INDIA AGGRESSIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
SBI Equity Hybrid Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹102.7411	17 Jul 2026
ICICI Prudential Equity & Debt Fund - Direct Plan - Annual IDCW	ICICI Prudential	₹29.1200	17 Jul 2026
Invesco India Aggressive Hybrid Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹24.2754	17 Jul 2026
Bandhan Aggressive Hybrid Fund-Direct Plan IDCW	Bandhan	₹21.9550	17 Jul 2026
quant Aggressive Hybrid Fund-IDCW Option-Direct Plan	Quant	₹72.3931	17 Jul 2026
Franklin India Aggressive Hybrid Fund - Direct - IDCW	Franklin India	₹34.1499	17 Jul 2026
Mirae Asset Aggressive Hybrid Fund - Direct Plan - IDCW	Mirae Asset	₹21.2090	17 Jul 2026
Kotak Aggressive Hybrid Fund - Direct Plan - IDCW - Payout & Reinvestment of Income Distribution cum capital withdrawal option	Kotak	₹47.4980	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹296.3500
16 Jul 2026	₹294.5700
15 Jul 2026	₹294.5400
14 Jul 2026	₹293.8400
13 Jul 2026	₹295.2300
10 Jul 2026	₹295.2700
9 Jul 2026	₹292.7300
8 Jul 2026	₹291.2800
7 Jul 2026	₹295.9600
6 Jul 2026	₹295.9900

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 Equity Hybrid'95 Fund -DIRECT - IDCW is ₹296.3500. It's a Aggressive Hybrid 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 Equity Hybrid'95 Fund -DIRECT - IDCW has NAV history starting from 02 Jan 2013, a track record of about 13 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 Equity Hybrid'95 Fund -DIRECT - IDCW is managed by Aditya Birla Sun Life. It's classified by AMFI under the 'Aggressive Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Aditya Birla Sun Life Equity Hybrid'95 Fund -DIRECT - IDCW has delivered a absolute return of -3.94% — -3.75 pp behind the Aggressive Hybrid Fund category average of -0.18%. The fund ranks #35 of 55 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Equity Hybrid'95 Fund -DIRECT - IDCW has delivered a CAGR of 4.25% — -4.99 pp behind the Aggressive Hybrid Fund category average of 9.24%. The fund ranks #45 of 55 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Equity Hybrid'95 Fund -DIRECT - IDCW has delivered a CAGR of 3.21% — -6.4 pp behind the Aggressive Hybrid Fund category average of 9.61%. The fund ranks #43 of 49 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Aditya Birla Sun Life Equity Hybrid'95 Fund -DIRECT - IDCW exactly 10 years ago would be worth approximately ₹157,860 today — a multiplier of 1.58×, based on the 10-year CAGR of 4.67%. The category average over the same window would have grown ₹1 lakh to ₹213,017.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Equity Hybrid'95 Fund -DIRECT - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹641,001 today. That's an XIRR (money-weighted annualised return) of 2.61%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Equity Hybrid'95 Fund -DIRECT - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,535,921 (multiplier 1.28×). XIRR: 4.82%. 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 Equity Hybrid'95 Fund -DIRECT - IDCW ranks #43 out of 49 funds in the Aggressive Hybrid Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 9.61%; this fund delivered 3.21%.

The worst peak-to-trough decline Aditya Birla Sun Life Equity Hybrid'95 Fund -DIRECT - IDCW has experienced over the last 5-year window is 19.64% — its NAV fell from a high on 23 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 Equity Hybrid'95 Fund -DIRECT - IDCW averaged 6.80% (best 15.42%, worst -2.78%). 94% of rolling windows ended positive. The 5-year Sharpe ratio is -0.26 — negative risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Equity Hybrid'95 Fund -DIRECT - IDCW returned 0.38% — lagging the Aggressive Hybrid Fund category average of 1.24% by 0.86 pp. It ranked #29 of 53 in its category that year.

Aditya Birla Sun Life Equity Hybrid'95 Fund -DIRECT - IDCW is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. Aditya Birla Sun Life Equity Hybrid'95 Fund -DIRECT - IDCW is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 19.6%. 5-year CAGR: 3.21%.

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