Should I invest in Aditya Birla Sun Life Medium Term Plan - Direct?

We don't give personal investment advice. Aditya Birla Sun Life Medium Term Plan - 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: 7.0%. 5-year CAGR: 5.65%.

Aditya Birla Sun Life

Aditya Birla Sun Life Medium Term Plan - Direct - IDCW

Latest NAV

₹17.7941

As of

3 Jun 2026

3,238 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%	+52.33%	-52.27	22 / 45	Q2
1W	+0.27%	+32.00%	-31.73	16 / 52	Q2
2W	+0.55%	+49.51%	-48.96	11 / 46	Q1
1M	+0.36%	+49.76%	-49.40	20 / 46	Q2
3M	+0.91%	+50.68%	-49.77	16 / 46	Q2
6M	-2.22%	+52.99%	-55.21	43 / 46	Q4
YTD	-2.52%	+49.92%	-52.44	42 / 46	Q4
1Y	+1.43%	+58.11%	-56.68	26 / 46	Q3
2Y	+4.60%	+18.22%	-13.62	25 / 45	Q3
3Y	+2.98%	+3.00%	-0.02	18 / 37	Q2
4Y	+6.46%	+3.75%	+2.72	13 / 35	Q2
5Y	+5.65%	+3.25%	+2.40	13 / 35	Q2
7Y	+3.54%	+2.19%	+1.35	10 / 31	Q2
10Y	+2.20%	+2.16%	+0.04	14 / 28	Q2
Inception	+3.82%	+6.67%	-2.84	17 / 47	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	-2.52%	-0.03%	-2.49	28 / 30
2025	+4.44%	+3.23%	+1.21	15 / 32
2024	+3.51%	+3.99%	-0.49	17 / 32
2023	+1.11%	+0.03%	+1.08	16 / 33
2022	+19.44%	+59.88%	-40.44	11 / 41
2021	+2.22%	-0.67%	+2.89	16 / 40
2020	+2.35%	-0.27%	+2.62	12 / 33
2019	-11.49%	+0.77%	-12.26	32 / 32
2018	-1.89%	+1.73%	-3.62	28 / 32
2017	-0.20%	+1.25%	-1.45	21 / 32
2016	+11.48%	+4.35%	+7.13	4 / 31

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

+4.50%

152 windows

min -13.8% · max 19.7%

74% positive

3-Year rolling

+3.80%

127 windows

min -6.6% · max 12.0%

70% positive

5-Year rolling

+2.77%

103 windows

min -2.0% · max 7.6%

73% positive

7-Year rolling

+2.23%

79 windows

min 0.5% · max 4.5%

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

6.14%

3-year · annualised

Sharpe ratio

-0.55

vs risk-free 6.5%

Sortino ratio

-0.63

Downside-only deviation

Max drawdown

-6.99%

Jan 2024 → Jan 2024

% positive months

86.1%

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 Medium Duration Fund

Scheme	Fund house	NAV	As of
HDFC Medium Term Debt Fund - Fortnightly IDCW Opt - Direct Plan	HDFC	₹10.1151	3 Jun 2026
NIPPON INDIA MEDIUM DURATION FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Medium Duration Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.5440	3 Jun 2026
ICICI Prudential Medium Term Bond Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹11.4292	3 Jun 2026
Invesco India Medium Duration Fund - Direct Plan - Discretionary IDCW (Payout/Reinvestment)	Invesco	₹1,326.0991	3 Jun 2026
Bandhan Medium Duration Fund - Direct Plan - Bi Monthly IDCW	Bandhan	₹10.5750	3 Jun 2026
Aditya Birla Sun Life Medium Term Plan - DIRECT - HALF YEARLY IDCW	Aditya Birla Sun Life	₹14.7184	3 Jun 2026
Kotak Medium Term Fund - Direct - Standard Income Distribution cum capital withdrawal option	Kotak	₹26.7908	3 Jun 2026
DSP Bond Fund - Direct Plan - IDCW	DSP	₹11.5232	3 Jun 2026
HSBC Medium Duration Fund - Direct Annual IDCW	HSBC	₹11.4485	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹17.7941
2 Jun 2026	₹17.8008
1 Jun 2026	₹17.7893
29 May 2026	₹17.7778
27 May 2026	₹17.7686
26 May 2026	₹17.7521
25 May 2026	₹17.7429
22 May 2026	₹17.7081
21 May 2026	₹17.6889
20 May 2026	₹17.7028

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 Medium Term Plan - Direct - IDCW is ₹17.7941. It's a Medium Duration 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 Medium Term Plan - Direct - IDCW has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 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 Medium Term Plan - Direct - IDCW is managed by Aditya Birla Sun Life. It's classified by AMFI under the 'Medium Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Aditya Birla Sun Life Medium Term Plan - Direct - IDCW has delivered a absolute return of 1.43% — -56.68 pp behind the Medium Duration Fund category average of 58.11%. The fund ranks #26 of 46 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Medium Term Plan - Direct - IDCW has delivered a CAGR of 2.98% — -0.02 pp behind the Medium Duration Fund category average of 3.00%. The fund ranks #18 of 37 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Medium Term Plan - Direct - IDCW has delivered a CAGR of 5.65% — +2.4 pp ahead of the Medium Duration Fund category average of 3.25%. The fund ranks #13 of 35 in its category — the second (Q2) quartile.

₹1 lakh invested in Aditya Birla Sun Life Medium Term Plan - Direct - IDCW exactly 10 years ago would be worth approximately ₹124,327 today — a multiplier of 1.24×, based on the 10-year CAGR of 2.20%. The category average over the same window would have grown ₹1 lakh to ₹123,815.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Medium Term Plan - Direct - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹665,857 today. That's an XIRR (money-weighted annualised return) of 4.11%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Medium Term Plan - Direct - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,423,032 (multiplier 1.19×). XIRR: 3.34%. 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 Medium Term Plan - Direct - IDCW ranks #13 out of 35 funds in the Medium Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.25%; this fund delivered 5.65%.

The worst peak-to-trough decline Aditya Birla Sun Life Medium Term Plan - Direct - IDCW has experienced over the last 5-year window is 6.99% — its NAV fell from a high on 16 Jan 2024 to a low on 24 Jan 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 Medium Term Plan - Direct - IDCW averaged 2.77% (best 7.63%, worst -2.03%). 73% of rolling windows ended positive. The 5-year Sharpe ratio is -0.06 — negative risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Medium Term Plan - Direct - IDCW returned 4.44% — beating the Medium Duration Fund category average of 3.23% by 1.21 pp. It ranked #15 of 32 in its category that year.

Aditya Birla Sun Life Medium Term Plan - 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 Medium Term Plan - 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: 7.0%. 5-year CAGR: 5.65%.

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