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

We don't give personal investment advice. Aditya Birla Sun Life PSU Equity Fund-Regular - 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: 32.8%. 5-year CAGR: 14.82%.

Aditya Birla Sun Life

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

Latest NAV

₹25.8400

As of

17 Jul 2026

1,614 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%	-0.06%	+0.14	70 / 168	Q2
1W	+0.04%	-0.22%	+0.26	55 / 168	Q2
2W	-0.31%	-0.98%	+0.67	120 / 170	Q3
1M	-1.37%	+0.82%	-2.20	153 / 170	Q4
3M	-2.20%	+3.83%	-6.03	152 / 170	Q4
6M	-3.87%	+1.86%	-5.73	128 / 162	Q4
YTD	-2.97%	-0.06%	-2.90	111 / 160	Q3
1Y	+0.98%	+1.21%	-0.23	76 / 150	Q3
2Y	-7.99%	-0.78%	-7.21	94 / 109	Q4
3Y	+15.23%	+9.09%	+6.14	23 / 76	Q2
4Y	+18.42%	+9.79%	+8.63	10 / 58	Q1
5Y	+14.82%	+5.30%	+9.52	7 / 48	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+15.52%	+7.30%	+8.22	24 / 170	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	-2.97%	+1.20%	-4.17	111 / 158
2025	+1.65%	-0.40%	+2.05	55 / 129
2024	+5.36%	+19.58%	-14.22	80 / 84
2023	+49.12%	+28.75%	+20.37	4 / 62
2022	+21.41%	+0.21%	+21.21	3 / 54
2021	+35.58%	+28.31%	+7.28	12 / 43
2020	-2.39%	+22.29%	-24.68	32 / 34

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

+25.76%

68 windows

min -18.4% · max 83.2%

84% positive

3-Year rolling

+24.87%

44 windows

min 14.7% · max 37.2%

100% positive

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

5-Year rolling

+21.63%

19 windows

min 14.8% · max 28.5%

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

21.44%

3-year · annualised

Sharpe ratio

0.46

vs risk-free 6.5%

Sortino ratio

0.78

Downside-only deviation

Max drawdown

-32.77%

Aug 2024 → Feb 2025

% positive months

63.9%

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 INNOVATION FUND - IDCW - REGULAR PLAN	HDFC	₹11.1190	17 Jul 2026
Nippon India Active Momentum Fund- Regular Plan- IDCW Option	Nippon India	₹12.8415	17 Jul 2026
SBI Automotive Opportunities Fund - Regular Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹12.2938	17 Jul 2026
Invesco India Business Cycle Fund - Regular Plan - IDCW	Invesco	₹14.1900	17 Jul 2026
Bandhan Business Cycle Fund - Regular Plan - IDCW	Bandhan	₹9.9190	17 Jul 2026
quant BFSI Fund - IDCW Option - Regular Plan	Quant	₹21.0055	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - REGULAR - IDCW	Aditya Birla Sun Life	₹23.5200	17 Jul 2026
Motilal Oswal Active Momentum Fund - Regular- IDCW	Motilal Oswal	₹13.5064	17 Jul 2026
Mirae Asset Banking and Financial Services Fund Regular IDCW	Mirae Asset	₹21.9730	17 Jul 2026
Kotak Active Momentum Fund - Regular Plan - IDCW - Payout & Reinvestment	Kotak	₹10.6840	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹25.8400
16 Jul 2026	₹25.8200
15 Jul 2026	₹25.8400
14 Jul 2026	₹25.7000
13 Jul 2026	₹25.9500
10 Jul 2026	₹25.8300
9 Jul 2026	₹25.4400
8 Jul 2026	₹25.2800
7 Jul 2026	₹25.7800
6 Jul 2026	₹25.8900

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 PSU Equity Fund-Regular - Payout of IDCW is ₹25.8400. It's a Sectoral/Thematic 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 PSU Equity Fund-Regular - Payout of IDCW has NAV history starting from 01 Jan 2020, a track record of about 6 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 PSU Equity Fund-Regular - 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-Regular - Payout of IDCW has delivered a absolute return of 0.98% — -0.23 pp behind the Sectoral/Thematic Fund category average of 1.21%. The fund ranks #76 of 150 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life PSU Equity Fund-Regular - Payout of IDCW has delivered a CAGR of 15.23% — +6.14 pp ahead of the Sectoral/Thematic Fund category average of 9.09%. The fund ranks #23 of 76 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life PSU Equity Fund-Regular - Payout of IDCW has delivered a CAGR of 14.82% — +9.52 pp ahead of the Sectoral/Thematic Fund category average of 5.30%. The fund ranks #7 of 48 in its category — the top (Q1) quartile.

₹1 lakh invested in Aditya Birla Sun Life PSU Equity Fund-Regular - Payout of IDCW exactly 5 years ago would be worth approximately ₹199,537 today — a multiplier of 2.00×, based on the 5-year CAGR of 14.82%. The category average over the same window would have grown ₹1 lakh to ₹129,463.

A ₹10,000 monthly SIP in Aditya Birla Sun Life PSU Equity Fund-Regular - Payout of IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹810,033 today. That's an XIRR (money-weighted annualised return) of 11.95%.

Aditya Birla Sun Life PSU Equity Fund-Regular - 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 ₹810,033 — XIRR 11.95%.

On a 5-year basis, Aditya Birla Sun Life PSU Equity Fund-Regular - Payout of IDCW ranks #7 out of 48 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 5.30%; this fund delivered 14.82%.

The worst peak-to-trough decline Aditya Birla Sun Life PSU Equity Fund-Regular - Payout of IDCW has experienced over the last 5-year window is 32.77% — 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-Regular - Payout of IDCW averaged 21.63% (best 28.49%, worst 14.82%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.45 — weak risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life PSU Equity Fund-Regular - Payout of IDCW returned 1.65% — beating the Sectoral/Thematic Fund category average of -0.40% by 2.05 pp. It ranked #55 of 129 in its category that year.

Aditya Birla Sun Life PSU Equity Fund-Regular - 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-Regular - 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: 32.8%. 5-year CAGR: 14.82%.

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