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

We don't give personal investment advice. Aditya Birla Sun Life Equity Savings Fund - Regular - 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: 13.3%. 5-year CAGR: -0.12%.

Aditya Birla Sun Life

Aditya Birla Sun Life Equity Savings Fund - Regular - IDCW

Latest NAV

₹13.0500

As of

3 Jun 2026

2,832 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	+0.08%	0.00%	+0.08	10 / 31	Q2
1W	-0.38%	-0.52%	+0.14	7 / 31	Q1
2W	-0.08%	-0.20%	+0.13	9 / 31	Q2
1M	-0.46%	-0.36%	-0.10	14 / 31	Q2
3M	-1.81%	-0.98%	-0.83	23 / 31	Q3
6M	-3.26%	-2.07%	-1.19	20 / 31	Q3
YTD	-1.95%	-2.02%	+0.07	16 / 31	Q3
1Y	-2.39%	+0.21%	-2.61	19 / 30	Q3
2Y	-1.02%	+1.92%	-2.94	22 / 29	Q4
3Y	+0.83%	+4.84%	-4.01	23 / 28	Q4
4Y	+1.08%	+4.52%	-3.44	18 / 24	Q3
5Y	-0.12%	+3.63%	-3.75	19 / 24	Q4
7Y	+1.66%	+4.64%	-2.99	20 / 24	Q4
10Y	+2.08%	+3.33%	-1.25	7 / 12	Q3
Inception	+2.34%	+4.74%	-2.40	24 / 31	Q4

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	-1.95%	-2.62%	+0.67	14 / 29
2025	+1.37%	+1.74%	-0.37	12 / 27
2024	+0.85%	+7.43%	-6.59	26 / 28
2023	+3.83%	+8.86%	-5.03	24 / 26
2022	-6.73%	-1.13%	-5.59	20 / 24
2021	+6.61%	+8.85%	-2.24	17 / 25
2020	+7.83%	+9.17%	-1.34	18 / 25
2019	+6.03%	+4.21%	+1.83	9 / 23
2018	-3.57%	-2.76%	-0.81	8 / 16
2017	+7.58%	+8.69%	-1.11	11 / 14
2016	+5.35%	+3.35%	+1.99	4 / 8

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

+2.71%

129 windows

min -11.3% · max 27.7%

66% positive

3-Year rolling

+2.39%

104 windows

min -4.2% · max 8.6%

84% positive

5-Year rolling

+2.69%

80 windows

min -0.4% · max 5.5%

98% positive

7-Year rolling

+2.56%

56 windows

min 1.7% · max 4.5%

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

3.51%

3-year · annualised

Sharpe ratio

-1.60

vs risk-free 6.5%

Sortino ratio

-2.17

Downside-only deviation

Max drawdown

-5.96%

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 Equity Savings Fund

Scheme	Fund house	NAV	As of
SBI Equity Savings Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.5225	3 Jun 2026
Invesco India Equity Savings Fund - Regular Plan - IDCW (Payout / Reinvestment)	Invesco	₹16.2477	3 Jun 2026
BANDHAN Equity Savings Fund - Regular Plan -Annual IDCW	Bandhan	₹12.3290	3 Jun 2026
quant Equity Savings Fund - IDCW Option - Regular Plan	Quant	₹10.3253	3 Jun 2026
Mirae Asset Equity Savings Fund Regular IDCW	Mirae Asset	₹12.2450	3 Jun 2026
Kotak Equity Savings Fund - Regular - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹19.6748	3 Jun 2026
Edelweiss Equity Savings Fund - Regular Plan - IDCW Option	Edelweiss	₹18.1949	3 Jun 2026
DSP Equity Savings Fund - Regular Plan - IDCW	DSP	₹11.9260	3 Jun 2026
HSBC Equity Savings Fund - Regular Monthly IDCW	HSBC	₹15.3237	3 Jun 2026
Baroda BNP Paribas Equity Savings Fund - Regular Plan - IDCW	Baroda BNP Paribas	₹12.5946	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹13.0500
2 Jun 2026	₹13.0500
1 Jun 2026	₹13.0400
29 May 2026	₹13.0500
27 May 2026	₹13.0900
26 May 2026	₹13.1000
25 May 2026	₹13.1100
22 May 2026	₹13.0700
21 May 2026	₹13.0600
20 May 2026	₹13.0700

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 03 Jun 2026, the NAV of Aditya Birla Sun Life Equity Savings Fund - Regular - IDCW is ₹13.0500. It's a Equity Savings Fund from Aditya Birla Sun Life, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Aditya Birla Sun Life Equity Savings Fund - Regular - IDCW has NAV history starting from 01 Dec 2014, 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 Equity Savings Fund - Regular - 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 - Regular - IDCW has delivered a absolute return of -2.39% — -2.61 pp behind the Equity Savings Fund category average of 0.21%. The fund ranks #19 of 30 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Equity Savings Fund - Regular - IDCW has delivered a CAGR of 0.83% — -4.01 pp behind the Equity Savings Fund category average of 4.84%. The fund ranks #23 of 28 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Equity Savings Fund - Regular - IDCW has delivered a CAGR of -0.12% — -3.75 pp behind the Equity Savings Fund category average of 3.63%. The fund ranks #19 of 24 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Aditya Birla Sun Life Equity Savings Fund - Regular - IDCW exactly 10 years ago would be worth approximately ₹122,882 today — a multiplier of 1.23×, based on the 10-year CAGR of 2.08%. The category average over the same window would have grown ₹1 lakh to ₹138,814.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Equity Savings Fund - Regular - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹600,404 today. That's an XIRR (money-weighted annualised return) of 0.03%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Equity Savings Fund - Regular - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,285,695 (multiplier 1.07×). XIRR: 1.36%. 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 - Regular - IDCW ranks #19 out of 24 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 3.63%; this fund delivered -0.12%.

The worst peak-to-trough decline Aditya Birla Sun Life Equity Savings Fund - Regular - IDCW has experienced over the last 5-year window is 13.34% — its NAV fell from a high on 23 Sep 2021 to a low on 28 Mar 2023. 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 - Regular - IDCW averaged 2.69% (best 5.51%, worst -0.35%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is -1.22 — negative risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Equity Savings Fund - Regular - IDCW returned 1.37% — lagging the Equity Savings Fund category average of 1.74% by 0.37 pp. It ranked #12 of 27 in its category that year.

Aditya Birla Sun Life Equity Savings Fund - Regular - 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 - Regular - 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: 13.3%. 5-year CAGR: -0.12%.

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