Should I invest in Aditya Birla Sun Life Equity Savings Fund - Direct?

We don't give personal investment advice. Aditya Birla Sun Life Equity Savings 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: 12.1%. 5-year CAGR: 0.61%.

Aditya Birla Sun Life

Aditya Birla Sun Life Equity Savings Fund - Direct - IDCW

Latest NAV

₹15.4800

As of

17 Jul 2026

2,863 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	+0.19%	+0.13%	+0.07	21 / 49	Q2
1W	+0.06%	+0.17%	-0.11	33 / 49	Q3
2W	+0.19%	+0.27%	-0.08	28 / 49	Q3
1M	-0.77%	+0.53%	-1.30	46 / 48	Q4
3M	+0.06%	+1.21%	-1.14	43 / 48	Q4
6M	-1.34%	+0.35%	-1.69	36 / 48	Q3
YTD	-1.40%	-0.31%	-1.09	36 / 48	Q3
1Y	-1.21%	+1.63%	-2.84	30 / 48	Q3
2Y	-0.35%	+2.39%	-2.74	34 / 47	Q3
3Y	+1.08%	+5.05%	-3.97	41 / 45	Q4
4Y	+2.16%	+5.30%	-3.13	31 / 40	Q4
5Y	+0.61%	+4.35%	-3.74	32 / 39	Q4
7Y	+3.07%	+5.64%	-2.57	32 / 38	Q4
10Y	+3.29%	+4.02%	-0.73	12 / 21	Q3
Inception	+3.83%	+5.34%	-1.51	34 / 47	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	-1.40%	-0.62%	-0.78	31 / 43
2025	+1.88%	+2.35%	-0.46	23 / 42
2024	+1.38%	+8.05%	-6.66	39 / 42
2023	+4.76%	+9.20%	-4.44	34 / 40
2022	-5.81%	+0.46%	-6.27	37 / 40
2021	+7.73%	+9.45%	-1.72	27 / 40
2020	+8.90%	+7.78%	+1.11	23 / 40
2019	+6.87%	+4.12%	+2.76	11 / 37
2018	-0.32%	-1.89%	+1.57	6 / 28
2017	+13.15%	+9.85%	+3.30	6 / 25
2016	+6.63%	+5.06%	+1.57	8 / 17

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

+4.22%

130 windows

min -8.3% · max 23.7%

75% positive

3-Year rolling

+4.13%

106 windows

min -0.6% · max 9.1%

97% positive

5-Year rolling

+4.25%

81 windows

min 0.6% · max 8.0%

100% positive

7-Year rolling

+4.12%

57 windows

min 2.8% · max 6.5%

100% 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

3.43%

3-year · annualised

Sharpe ratio

-1.56

vs risk-free 6.5%

Sortino ratio

-2.32

Downside-only deviation

Max drawdown

-5.33%

Dec 2025 → 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 Equity Savings Fund

Scheme	Fund house	NAV	As of
HDFC Equity Savings Fund - IDCW Option - Direct Plan	HDFC	₹15.0960	17 Jul 2026
NIPPON INDIA EQUITY SAVINGS FUND - SEGREGATED PORTFOLIO 2 - Direct Plan - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
SBI Equity Savings Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹25.0945	17 Jul 2026
ICICI Prudential Equity Savings Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹15.7100	17 Jul 2026
Invesco India Equity Savings Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹18.8261	17 Jul 2026
BANDHAN Equity Savings Fund-Direct Plan -Quarterly IDCW	Bandhan	₹13.3190	17 Jul 2026
quant Equity Savings Fund - IDCW Option - Direct Plan	Quant	₹10.9221	17 Jul 2026
Franklin India Equity Savings Fund - Direct - IDCW	Franklin India	₹15.2612	17 Jul 2026
Mirae Asset Equity Savings Fund Direct IDCW	Mirae Asset	₹13.7290	17 Jul 2026
Kotak Equity Savings Fund - Direct - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹21.8405	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹15.4800
16 Jul 2026	₹15.4500
15 Jul 2026	₹15.4500
14 Jul 2026	₹15.4600
13 Jul 2026	₹15.4700
10 Jul 2026	₹15.4700
9 Jul 2026	₹15.4200
8 Jul 2026	₹15.4100
7 Jul 2026	₹15.4800
6 Jul 2026	₹15.4800

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 Savings Fund - Direct - IDCW is ₹15.4800. It's a Equity Savings 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 Savings Fund - Direct - IDCW has NAV history starting from 01 Dec 2014, a track record of about 11 years 7 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 Savings Fund - Direct - IDCW is managed by Aditya Birla Sun Life. It's classified by AMFI under the 'Equity Savings Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Aditya Birla Sun Life Equity Savings Fund - Direct - IDCW has delivered a absolute return of -1.21% — -2.84 pp behind the Equity Savings Fund category average of 1.63%. The fund ranks #30 of 48 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Equity Savings Fund - Direct - IDCW has delivered a CAGR of 1.08% — -3.97 pp behind the Equity Savings Fund category average of 5.05%. The fund ranks #41 of 45 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Equity Savings Fund - Direct - IDCW has delivered a CAGR of 0.61% — -3.74 pp behind the Equity Savings Fund category average of 4.35%. The fund ranks #32 of 39 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Aditya Birla Sun Life Equity Savings Fund - Direct - IDCW exactly 10 years ago would be worth approximately ₹138,214 today — a multiplier of 1.38×, based on the 10-year CAGR of 3.29%. The category average over the same window would have grown ₹1 lakh to ₹148,305.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Equity Savings Fund - Direct - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹609,749 today. That's an XIRR (money-weighted annualised return) of 0.63%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Equity Savings Fund - Direct - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,352,384 (multiplier 1.13×). XIRR: 2.35%. 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 Savings Fund - Direct - IDCW ranks #32 out of 39 funds in the Equity Savings Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 4.35%; this fund delivered 0.61%.

The worst peak-to-trough decline Aditya Birla Sun Life Equity Savings Fund - Direct - IDCW has experienced over the last 5-year window is 12.06% — its NAV fell from a high on 23 Sep 2021 to a low on 29 Jun 2022. 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 Savings Fund - Direct - IDCW averaged 4.25% (best 7.96%, worst 0.61%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.11 — negative risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Equity Savings Fund - Direct - IDCW returned 1.88% — lagging the Equity Savings Fund category average of 2.35% by 0.46 pp. It ranked #23 of 42 in its category that year.

Aditya Birla Sun Life Equity Savings 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 Equity Savings 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: 12.1%. 5-year CAGR: 0.61%.

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