Should I invest in Aditya Birla Sun Life Multi-Cap Fund-Direct IDCW Payout?

We don't give personal investment advice. Aditya Birla Sun Life Multi-Cap Fund-Direct IDCW Payout 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: 24.7%. 5-year CAGR: 11.66%.

Aditya Birla Sun Life

Aditya Birla Sun Life Multi-Cap Fund-Direct IDCW Payout

Latest NAV

₹19.5800

As of

17 Jul 2026

1,279 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	+0.20%	0.00%	+0.21	6 / 28	Q1
1W	-0.41%	-0.36%	-0.04	15 / 28	Q3
2W	+0.41%	+0.13%	+0.28	8 / 28	Q2
1M	+1.93%	+1.70%	+0.22	14 / 28	Q2
3M	+6.07%	+5.76%	+0.30	13 / 28	Q2
6M	+5.44%	+3.75%	+1.69	12 / 28	Q2
YTD	+4.09%	+1.69%	+2.40	11 / 28	Q2
1Y	-1.95%	+1.97%	-3.92	22 / 28	Q4
2Y	-1.91%	+1.78%	-3.69	20 / 26	Q4
3Y	+10.63%	+14.20%	-3.56	18 / 21	Q4
4Y	+13.40%	+15.57%	-2.17	11 / 13	Q4
5Y	+11.66%	+11.38%	+0.28	5 / 8	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+13.56%	+13.82%	-0.25	18 / 28	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	+4.09%	+1.69%	+2.40	11 / 28
2025	-3.30%	+1.67%	-4.97	23 / 27
2024	+16.25%	+22.18%	-5.93	17 / 22
2023	+29.64%	+32.16%	-2.52	12 / 15
2022	+1.43%	+3.83%	-2.40	7 / 12
2021	—	—	—	—

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

+12.51%

52 windows

min -13.1% · max 43.0%

73% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+15.51%

27 windows

min 10.6% · max 22.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+12.15%

3 windows

min 11.7% · max 12.4%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

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

15.91%

3-year · annualised

Sharpe ratio

0.31

vs risk-free 6.5%

Sortino ratio

0.48

Downside-only deviation

Max drawdown

-24.69%

Sep 2024 → Feb 2025

% 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 Multi Cap Fund

Scheme	Fund house	NAV	As of
HDFC Multi Cap Fund - IDCW Option - Direct Plan	HDFC	₹18.1520	17 Jul 2026
NIPPON INDIA MULTI CAP FUND - DIRECT Plan - IDCW Option	Nippon India	₹86.7307	17 Jul 2026
SBI Multicap Fund- Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹17.7991	17 Jul 2026
ICICI Prudential Multicap Fund - Direct Plan - IDCW	ICICI Prudential	₹63.7400	17 Jul 2026
Invesco India Multicap Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹141.3500	17 Jul 2026
BANDHAN MULTI CAP FUND - IDCW - DIRECT PLAN	Bandhan	₹16.5460	17 Jul 2026
quant Multi Cap Fund-IDCW Option - Direct Plan	Quant	₹84.6443	17 Jul 2026
Motilal Oswal Multi Cap Fund-Direct Plan IDCW	Motilal Oswal	₹13.9462	17 Jul 2026
Franklin India Multi Cap Fund - Direct - IDCW	Franklin India	₹11.0079	17 Jul 2026
Mirae Asset Multicap Fund - Direct Plan - IDCW	Mirae Asset	₹15.4240	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹19.5800
16 Jul 2026	₹19.5400
15 Jul 2026	₹19.6200
14 Jul 2026	₹19.5200
13 Jul 2026	₹19.6700
10 Jul 2026	₹19.6600
9 Jul 2026	₹19.3800
8 Jul 2026	₹19.1900
7 Jul 2026	₹19.5000
6 Jul 2026	₹19.5800

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 Multi-Cap Fund-Direct IDCW Payout is ₹19.5800. It's a Multi Cap 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 Multi-Cap Fund-Direct IDCW Payout has NAV history starting from 10 May 2021, a track record of about 5 years 2 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 Multi-Cap Fund-Direct IDCW Payout is managed by Aditya Birla Sun Life. It's classified by AMFI under the 'Multi Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Aditya Birla Sun Life Multi-Cap Fund-Direct IDCW Payout has delivered a absolute return of -1.95% — -3.92 pp behind the Multi Cap Fund category average of 1.97%. The fund ranks #22 of 28 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Multi-Cap Fund-Direct IDCW Payout has delivered a CAGR of 10.63% — -3.56 pp behind the Multi Cap Fund category average of 14.20%. The fund ranks #18 of 21 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Multi-Cap Fund-Direct IDCW Payout has delivered a CAGR of 11.66% — +0.28 pp ahead of the Multi Cap Fund category average of 11.38%. The fund ranks #5 of 8 in its category — the third (Q3) quartile.

₹1 lakh invested in Aditya Birla Sun Life Multi-Cap Fund-Direct IDCW Payout exactly 5 years ago would be worth approximately ₹173,582 today — a multiplier of 1.74×, based on the 5-year CAGR of 11.66%. The category average over the same window would have grown ₹1 lakh to ₹171,382.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Multi-Cap Fund-Direct IDCW Payout over the last 5 years — total invested ₹600,000 — would be worth ₹771,405 today. That's an XIRR (money-weighted annualised return) of 9.98%.

Aditya Birla Sun Life Multi-Cap Fund-Direct IDCW Payout doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹771,405 — XIRR 9.98%.

On a 5-year basis, Aditya Birla Sun Life Multi-Cap Fund-Direct IDCW Payout ranks #5 out of 8 funds in the Multi Cap Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 11.38%; this fund delivered 11.66%.

The worst peak-to-trough decline Aditya Birla Sun Life Multi-Cap Fund-Direct IDCW Payout has experienced over the last 5-year window is 24.69% — its NAV fell from a high on 23 Sep 2024 to a low on 28 Feb 2025. 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 Multi-Cap Fund-Direct IDCW Payout averaged 12.15% (best 12.45%, worst 11.66%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.36 — weak risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Multi-Cap Fund-Direct IDCW Payout returned -3.30% — lagging the Multi Cap Fund category average of 1.67% by 4.97 pp. It ranked #23 of 27 in its category that year.

Aditya Birla Sun Life Multi-Cap Fund-Direct IDCW Payout 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 Multi-Cap Fund-Direct IDCW Payout 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: 24.7%. 5-year CAGR: 11.66%.

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