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: 14.85%.

Aditya Birla Sun Life

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

Latest NAV

₹25.7400

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	-0.04%	+0.26%	-0.30	120 / 168	Q3
1W	-2.47%	-1.38%	-1.09	135 / 168	Q4
2W	-0.54%	-0.76%	+0.22	107 / 170	Q3
1M	-3.72%	-1.31%	-2.41	162 / 170	Q4
3M	-4.36%	+0.23%	-4.60	131 / 168	Q4
6M	-1.91%	-4.26%	+2.35	62 / 160	Q2
YTD	-3.72%	-4.32%	+0.60	76 / 160	Q2
1Y	+1.30%	+0.77%	+0.53	65 / 146	Q2
2Y	-8.51%	+0.22%	-8.72	99 / 104	Q4
3Y	+17.61%	+9.45%	+8.16	16 / 69	Q1
4Y	+17.20%	+8.63%	+8.57	12 / 56	Q1
5Y	+14.85%	+4.66%	+10.19	7 / 46	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+15.70%	+5.31%	+10.39	21 / 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	-3.72%	-3.11%	-0.61	76 / 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

+25.08%

67 windows

min -20.3% · max 83.8%

79% positive

3-Year rolling

+24.61%

42 windows

min 15.0% · max 36.0%

100% positive

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

5-Year rolling

+21.55%

18 windows

min 14.9% · max 26.3%

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

23.28%

3-year · annualised

Sharpe ratio

0.54

vs risk-free 6.5%

Sortino ratio

0.89

Downside-only deviation

Max drawdown

-32.77%

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 INNOVATION FUND - IDCW - REGULAR PLAN	HDFC	₹10.4050	3 Jun 2026
Nippon India Active Momentum Fund- Regular Plan- IDCW Option	Nippon India	₹12.0306	3 Jun 2026
SBI Automotive Opportunities Fund - Regular Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹11.4968	3 Jun 2026
Invesco India Business Cycle Fund - Regular Plan - IDCW	Invesco	₹13.0300	3 Jun 2026
Bandhan Business Cycle Fund - Regular Plan - IDCW	Bandhan	₹9.3840	3 Jun 2026
quant BFSI Fund - IDCW Option - Regular Plan	Quant	₹19.3086	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - REGULAR - IDCW	Aditya Birla Sun Life	₹21.5800	3 Jun 2026
Motilal Oswal Active Momentum Fund - Regular- IDCW	Motilal Oswal	₹13.3125	3 Jun 2026
Mirae Asset Banking and Financial Services Fund Regular IDCW	Mirae Asset	₹20.1370	3 Jun 2026
Kotak Active Momentum Fund - Regular Plan - IDCW - Payout & Reinvestment	Kotak	₹10.2820	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹25.7400
2 Jun 2026	₹25.6400
1 Jun 2026	₹25.6500
29 May 2026	₹25.9000
27 May 2026	₹26.4000
26 May 2026	₹26.2900
25 May 2026	₹26.3400
22 May 2026	₹25.8800
21 May 2026	₹25.8900
20 May 2026	₹25.8600

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-Regular - Payout of IDCW is ₹25.7400. 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 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-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 1.30% — +0.53 pp ahead of the Sectoral/Thematic Fund category average of 0.77%. The fund ranks #65 of 146 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life PSU Equity Fund-Regular - Payout of IDCW has delivered a CAGR of 17.61% — +8.16 pp ahead of the Sectoral/Thematic Fund category average of 9.45%. The fund ranks #16 of 69 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life PSU Equity Fund-Regular - Payout of IDCW has delivered a CAGR of 14.85% — +10.19 pp ahead of the Sectoral/Thematic Fund category average of 4.66%. The fund ranks #7 of 46 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 ₹199,844 today — a multiplier of 2.00×, based on the 5-year CAGR of 14.85%. The category average over the same window would have grown ₹1 lakh to ₹125,576.

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 ₹821,157 today. That's an XIRR (money-weighted annualised return) of 12.50%.

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 ₹821,157 — XIRR 12.50%.

On a 5-year basis, Aditya Birla Sun Life PSU Equity Fund-Regular - Payout of IDCW ranks #7 out of 46 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 4.66%; this fund delivered 14.85%.

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 21.55% (best 26.26%, worst 14.85%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.46 — 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: 14.85%.

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