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

We don't give personal investment advice. Aditya Birla Sun Life Equity Hybrid'95 Fund -Regular - 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: 20.6%. 5-year CAGR: 1.99%.

Birla Sun Life

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

Latest NAV

₹169.7800

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	-0.11%	-0.17%	+0.05	14 / 34	Q2
1W	-1.38%	-1.24%	-0.14	16 / 34	Q2
2W	-1.03%	-1.31%	+0.29	9 / 34	Q2
1M	+0.17%	-0.51%	+0.68	6 / 34	Q1
3M	+2.34%	+1.35%	+1.00	7 / 34	Q1
6M	-1.73%	-0.03%	-1.70	21 / 33	Q3
YTD	-4.90%	-4.30%	-0.60	21 / 33	Q3
1Y	-5.94%	-3.31%	-2.63	19 / 33	Q3
2Y	-4.41%	-1.64%	-2.77	22 / 33	Q3
3Y	+2.91%	+6.41%	-3.49	25 / 33	Q4
4Y	+3.71%	+8.22%	-4.51	25 / 32	Q4
5Y	+1.99%	+7.09%	-5.10	24 / 30	Q4
7Y	+4.31%	+9.63%	-5.32	24 / 30	Q4
10Y	+1.63%	+7.14%	-5.50	24 / 30	Q4
Inception	+4.24%	+6.45%	-2.21	21 / 34	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	-4.90%	-4.68%	-0.22	19 / 31
2025	-0.38%	+2.10%	-2.48	17 / 31
2024	+7.33%	+12.84%	-5.51	26 / 31
2023	+12.86%	+17.18%	-4.32	25 / 31
2022	-7.40%	+1.09%	-8.49	25 / 31
2021	+17.06%	+23.51%	-6.45	23 / 31
2020	+5.03%	+10.62%	-5.58	24 / 31
2019	-0.79%	+3.54%	-4.33	24 / 32
2018	-11.59%	-7.66%	-3.93	21 / 32
2017	+11.00%	+16.43%	-5.43	25 / 32
2016	-0.93%	+2.00%	-2.93	18 / 26

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

+6.28%

236 windows

min -43.1% · max 77.0%

58% positive

3-Year rolling

+4.64%

211 windows

min -13.2% · max 17.7%

75% positive

5-Year rolling

+4.01%

187 windows

min -9.0% · max 13.1%

84% positive

7-Year rolling

+3.62%

163 windows

min -1.6% · max 12.0%

96% 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

8.87%

3-year · annualised

Sharpe ratio

-0.36

vs risk-free 6.5%

Sortino ratio

-0.49

Downside-only deviation

Max drawdown

-20.57%

Sep 2024 → Mar 2026

% positive months

58.3%

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
NIPPON INDIA AGGRESSIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - IDCW Option	Nippon India	₹0.0000	24 Jul 2026
SBI Equity Hybrid Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹66.2402	24 Jul 2026
ICICI Prudential Equity & Debt Fund - Annual IDCW	ICICI Prudential	₹25.6000	24 Jul 2026
Franklin India Aggressive Hybrid Fund - Growth Plan	Franklin Templeton	₹264.5237	24 Jul 2026
Kotak Aggressive Hybrid Fund - Regular Plan - IDCW - Payout & Reinvestment of Income Distribution cum capital withdrawal option	Kotak Mahindra	₹37.6440	24 Jul 2026
DSP Aggressive Hybrid Fund- Regular Plan - Growth	DSP BlackRock	₹347.1130	24 Jul 2026
CANARA ROBECO EQUITY HYBRID FUND - REGULAR PLAN - GROWTH OPTION	Canara Robeco	₹362.1600	24 Jul 2026
UTI Aggressive Hybrid Fund - Regular Plan - Growth	UTI	₹402.9516	24 Jul 2026
PGIM India Aggressive Hybrid Equity Fund - Dividend Option	PGIM India	₹13.7300	24 Jul 2026
Aditya Birla Sun Life Equity Hybrid'95 Fund - Regular Plan-Growth	Birla Sun Life	₹1,522.0600	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹169.7800
23 Jul 2026	₹169.9700
22 Jul 2026	₹170.8900
21 Jul 2026	₹172.1200
20 Jul 2026	₹171.9200
17 Jul 2026	₹172.1500
16 Jul 2026	₹171.1100
15 Jul 2026	₹171.1000
14 Jul 2026	₹170.7000
13 Jul 2026	₹171.5000

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 Equity Hybrid'95 Fund -Regular - IDCW is ₹169.7800. It's a Aggressive Hybrid Fund from Birla Sun Life, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Aditya Birla Sun Life Equity Hybrid'95 Fund -Regular - IDCW 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 Equity Hybrid'95 Fund -Regular - IDCW is managed by 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 -Regular - IDCW has delivered a absolute return of -5.94% — -2.63 pp behind the Aggressive Hybrid Fund category average of -3.31%. The fund ranks #19 of 33 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Equity Hybrid'95 Fund -Regular - IDCW has delivered a CAGR of 2.91% — -3.49 pp behind the Aggressive Hybrid Fund category average of 6.41%. The fund ranks #25 of 33 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Equity Hybrid'95 Fund -Regular - IDCW has delivered a CAGR of 1.99% — -5.1 pp behind the Aggressive Hybrid Fund category average of 7.09%. The fund ranks #24 of 30 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Aditya Birla Sun Life Equity Hybrid'95 Fund -Regular - IDCW exactly 10 years ago would be worth approximately ₹117,592 today — a multiplier of 1.18×, based on the 10-year CAGR of 1.63%. The category average over the same window would have grown ₹1 lakh to ₹199,254.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Equity Hybrid'95 Fund -Regular - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹623,428 today. That's an XIRR (money-weighted annualised return) of 1.51%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Equity Hybrid'95 Fund -Regular - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,387,527 (multiplier 1.16×). XIRR: 2.85%. 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 Equity Hybrid'95 Fund -Regular - IDCW ranks #24 out of 30 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 7.09%; this fund delivered 1.99%.

The worst peak-to-trough decline Aditya Birla Sun Life Equity Hybrid'95 Fund -Regular - IDCW has experienced over the last 5-year window is 20.57% — 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 -Regular - IDCW averaged 4.01% (best 13.15%, worst -8.97%). 84% of rolling windows ended positive. The 5-year Sharpe ratio is -0.43 — negative risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Equity Hybrid'95 Fund -Regular - IDCW returned -0.38% — lagging the Aggressive Hybrid Fund category average of 2.10% by 2.48 pp. It ranked #17 of 31 in its category that year.

Aditya Birla Sun Life Equity Hybrid'95 Fund -Regular - 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 -Regular - 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: 20.6%. 5-year CAGR: 1.99%.

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