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

We don't give personal investment advice. Aditya Birla Sun Life Medium Term Plan - Regular - 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: 5.17%.

Birla Sun Life

Aditya Birla Sun Life Medium Term Plan - Regular - IDCW

Latest NAV

₹16.5266

As of

24 Jul 2026

4,182 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	+0.00%	+0.02%	-0.01	7 / 7	Q4
1W	-0.04%	+0.00%	-0.05	7 / 7	Q4
2W	-0.10%	+0.00%	-0.10	4 / 7	Q3
1M	+0.61%	+0.40%	+0.21	6 / 7	Q4
3M	+2.27%	+1.81%	+0.47	2 / 7	Q2
6M	-2.42%	+0.90%	-3.32	7 / 7	Q4
YTD	-0.89%	+1.67%	-2.56	6 / 7	Q4
1Y	+1.70%	+2.73%	-1.03	5 / 7	Q3
2Y	+4.10%	+4.67%	-0.57	5 / 7	Q3
3Y	+2.70%	+3.84%	-1.14	5 / 7	Q3
4Y	+2.27%	+3.69%	-1.42	5 / 7	Q3
5Y	+5.17%	+5.06%	+0.12	5 / 7	Q3
7Y	+2.90%	+4.12%	-1.22	5 / 7	Q3
10Y	+1.45%	+3.03%	-1.58	5 / 7	Q3
Inception	+2.94%	+3.26%	-0.32	3 / 7	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	-0.89%	+1.67%	-2.56	6 / 7
2025	+3.72%	+4.57%	-0.84	5 / 7
2024	+2.76%	+4.06%	-1.30	5 / 7
2023	+0.41%	+2.59%	-2.18	4 / 7
2022	+18.56%	+11.86%	+6.71	4 / 7
2021	+1.67%	+1.90%	-0.23	5 / 7
2020	+1.57%	+6.47%	-4.89	6 / 7
2019	-12.06%	-4.75%	-7.31	7 / 7
2018	-2.65%	+0.18%	-2.83	6 / 7
2017	-1.41%	+0.56%	-1.96	5 / 7
2016	+10.73%	+6.00%	+4.73	2 / 7

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

+3.29%

199 windows

min -14.1% · max 18.8%

77% positive

3-Year rolling

+3.24%

175 windows

min -7.0% · max 11.3%

76% positive

5-Year rolling

+3.15%

151 windows

min -2.9% · max 8.0%

81% positive

7-Year rolling

+2.67%

126 windows

min -0.4% · max 5.9%

98% 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

6.75%

3-year · annualised

Sharpe ratio

-0.54

vs risk-free 6.5%

Sortino ratio

-0.61

Downside-only deviation

Max drawdown

-7.01%

Jan 2024 → Jan 2024

% positive months

80.6%

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 Medium Duration Fund

Scheme	Fund house	NAV	As of
HDFC Medium Term Debt Fund - Fornightly IDCW Option	HDFC	₹10.0891	24 Jul 2026
Nippon India Medium Duration Fund - Segregated Portfolio 2 - Bonus Option	Nippon India	₹0.0000	24 Jul 2026
SBI Medium Duration Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹23.0211	24 Jul 2026
ICICI Prudential Medium Term Bond Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹11.5644	24 Jul 2026
Invesco India Medium Duration Fund - Direct Plan - Discretionary IDCW (Payout/Reinvestment)	Invesco	₹1,353.9010	24 Jul 2026
Bandhan Medium Duration Fund - Direct Plan - Bi Monthly IDCW	Bandhan	₹10.7973	24 Jul 2026
Aditya Birla Sun Life Medium Term Plan - DIRECT - HALF YEARLY IDCW	Aditya Birla Sun Life	₹15.0339	24 Jul 2026
Kotak Medium Term Fund - Direct - Standard Income Distribution cum capital withdrawal option	Kotak	₹27.3641	24 Jul 2026
DSP Bond Fund - Direct Plan - IDCW	DSP	₹11.7922	24 Jul 2026
DSP Bond Fund - Growth	DSP BlackRock	₹86.5400	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹16.5266
23 Jul 2026	₹16.5258
22 Jul 2026	₹16.5343
21 Jul 2026	₹16.5394
20 Jul 2026	₹16.5294
17 Jul 2026	₹16.5339
16 Jul 2026	₹16.5305
15 Jul 2026	₹16.5154
14 Jul 2026	₹16.5024
13 Jul 2026	₹16.5403

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 Medium Term Plan - Regular - IDCW is ₹16.5266. It's a Medium Duration Fund from Birla Sun Life, run as a Retail plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Aditya Birla Sun Life Medium Term Plan - Regular - IDCW has NAV history starting from 26 Mar 2009, a track record of about 17 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 Medium Term Plan - Regular - IDCW is managed by 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 - Regular - IDCW has delivered a absolute return of 1.70% — -1.03 pp behind the Medium Duration Fund category average of 2.73%. The fund ranks #5 of 7 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Medium Term Plan - Regular - IDCW has delivered a CAGR of 2.70% — -1.14 pp behind the Medium Duration Fund category average of 3.84%. The fund ranks #5 of 7 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Medium Term Plan - Regular - IDCW has delivered a CAGR of 5.17% — +0.12 pp ahead of the Medium Duration Fund category average of 5.06%. The fund ranks #5 of 7 in its category — the third (Q3) quartile.

₹1 lakh invested in Aditya Birla Sun Life Medium Term Plan - Regular - IDCW exactly 10 years ago would be worth approximately ₹115,448 today — a multiplier of 1.15×, based on the 10-year CAGR of 1.45%. The category average over the same window would have grown ₹1 lakh to ₹134,730.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Medium Term Plan - Regular - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹661,168 today. That's an XIRR (money-weighted annualised return) of 3.83%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Medium Term Plan - Regular - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,394,013 (multiplier 1.16×). XIRR: 2.94%. 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 - Regular - IDCW ranks #5 out of 7 funds in the Medium Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 5.06%; this fund delivered 5.17%.

The worst peak-to-trough decline Aditya Birla Sun Life Medium Term Plan - Regular - IDCW has experienced over the last 5-year window is 7.01% — 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 - Regular - IDCW averaged 3.15% (best 8.04%, worst -2.88%). 81% of rolling windows ended positive. The 5-year Sharpe ratio is -0.11 — negative risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Medium Term Plan - Regular - IDCW returned 3.72% — lagging the Medium Duration Fund category average of 4.57% by 0.84 pp. It ranked #5 of 7 in its category that year.

Aditya Birla Sun Life Medium Term Plan - Regular - 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 - Regular - 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: 5.17%.

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