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

We don't give personal investment advice. Aditya Birla Sun Life PSU Equity Fund-Direct - Payout of 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: 32.3%. 5-year CAGR: 17.82%.

Aditya Birla Sun Life

Aditya Birla Sun Life PSU Equity Fund-Direct - Payout of IDCW

Latest NAV

₹30.1100

As of

3 Jun 2026

1,583 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	-0.03%	+0.27%	-0.30	175 / 249	Q3
1W	-2.44%	-1.33%	-1.11	200 / 249	Q4
2W	-0.46%	-0.44%	-0.03	162 / 251	Q3
1M	-3.60%	-0.98%	-2.62	234 / 251	Q4
3M	-4.06%	+0.91%	-4.97	195 / 249	Q4
6M	-1.32%	-3.35%	+2.04	89 / 241	Q2
YTD	-3.23%	-3.40%	+0.17	111 / 241	Q2
1Y	+2.60%	+2.11%	+0.49	93 / 225	Q2
2Y	-7.35%	+1.79%	-9.14	172 / 181	Q4
3Y	+19.15%	+12.30%	+6.84	33 / 142	Q1
4Y	+18.77%	+11.74%	+7.03	24 / 122	Q1
5Y	+17.82%	+8.93%	+8.89	13 / 111	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+18.56%	+8.52%	+10.04	23 / 251	Q1

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	-3.23%	-2.64%	-0.58	109 / 237
2025	+2.91%	+1.49%	+1.42	83 / 204
2024	+6.73%	+20.10%	-13.37	146 / 158
2023	+51.14%	+30.21%	+20.93	5 / 131
2022	+30.41%	+1.48%	+28.92	1 / 119
2021	+38.44%	+31.54%	+6.90	33 / 106
2020	-0.40%	+19.90%	-20.29	85 / 95

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

+28.27%

67 windows

min -19.3% · max 86.4%

82% positive

3-Year rolling

+27.98%

42 windows

min 17.5% · max 40.7%

100% positive

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

5-Year rolling

+24.83%

18 windows

min 17.8% · max 29.7%

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

23.33%

3-year · annualised

Sharpe ratio

0.59

vs risk-free 6.5%

Sortino ratio

1.00

Downside-only deviation

Max drawdown

-32.26%

Aug 2024 → Feb 2025

% positive months

61.1%

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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - IDCW Option - Direct Plan	HDFC	₹15.9390	3 Jun 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹31.2458	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹11.7560	3 Jun 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹64.9400	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹13.3100	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹20.2732	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹29.4200	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.3281	3 Jun 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.3581	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹30.1100
2 Jun 2026	₹29.9900
1 Jun 2026	₹30.0000
29 May 2026	₹30.2900
27 May 2026	₹30.8700
26 May 2026	₹30.7400
25 May 2026	₹30.8000
22 May 2026	₹30.2500
21 May 2026	₹30.2700
20 May 2026	₹30.2400

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 PSU Equity Fund-Direct - Payout of IDCW is ₹30.1100. It's a Sectoral/Thematic 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 PSU Equity Fund-Direct - Payout of IDCW has NAV history starting from 01 Jan 2020, a track record of about 6 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 PSU Equity Fund-Direct - Payout of IDCW is managed by Aditya Birla Sun Life. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Aditya Birla Sun Life PSU Equity Fund-Direct - Payout of IDCW has delivered a absolute return of 2.60% — +0.49 pp ahead of the Sectoral/Thematic Fund category average of 2.11%. The fund ranks #93 of 225 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life PSU Equity Fund-Direct - Payout of IDCW has delivered a CAGR of 19.15% — +6.84 pp ahead of the Sectoral/Thematic Fund category average of 12.30%. The fund ranks #33 of 142 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life PSU Equity Fund-Direct - Payout of IDCW has delivered a CAGR of 17.82% — +8.89 pp ahead of the Sectoral/Thematic Fund category average of 8.93%. The fund ranks #13 of 111 in its category — the top (Q1) quartile.

₹1 lakh invested in Aditya Birla Sun Life PSU Equity Fund-Direct - Payout of IDCW exactly 5 years ago would be worth approximately ₹227,025 today — a multiplier of 2.27×, based on the 5-year CAGR of 17.82%. The category average over the same window would have grown ₹1 lakh to ₹153,347.

A ₹10,000 monthly SIP in Aditya Birla Sun Life PSU Equity Fund-Direct - Payout of IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹863,279 today. That's an XIRR (money-weighted annualised return) of 14.52%.

Aditya Birla Sun Life PSU Equity Fund-Direct - Payout of IDCW doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹863,279 — XIRR 14.52%.

On a 5-year basis, Aditya Birla Sun Life PSU Equity Fund-Direct - Payout of IDCW ranks #13 out of 111 funds in the Sectoral/Thematic Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 8.93%; this fund delivered 17.82%.

The worst peak-to-trough decline Aditya Birla Sun Life PSU Equity Fund-Direct - Payout of IDCW has experienced over the last 5-year window is 32.26% — its NAV fell from a high on 01 Aug 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 PSU Equity Fund-Direct - Payout of IDCW averaged 24.83% (best 29.73%, worst 17.82%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.58 — reasonable risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life PSU Equity Fund-Direct - Payout of IDCW returned 2.91% — beating the Sectoral/Thematic Fund category average of 1.49% by 1.42 pp. It ranked #83 of 204 in its category that year.

Aditya Birla Sun Life PSU Equity Fund-Direct - Payout of 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 PSU Equity Fund-Direct - Payout of 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: 32.3%. 5-year CAGR: 17.82%.

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