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

We don't give personal investment advice. Aditya Birla Sun Life PSU Equity Fund-Regular Plan-Growth 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: 27.4%. 5-year CAGR: 22.72%.

Aditya Birla Sun Life

Aditya Birla Sun Life PSU Equity Fund-Regular Plan-Growth

Latest NAV

₹36.0400

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	+0.11%	-0.07%	+0.18	73 / 175	Q2
1W	+0.03%	-0.23%	+0.26	59 / 175	Q2
2W	-0.28%	-0.28%	+0.01	124 / 176	Q3
1M	-1.37%	+1.47%	-2.84	160 / 176	Q4
3M	-2.17%	+4.83%	-7.00	165 / 176	Q4
6M	+2.39%	+4.22%	-1.83	91 / 168	Q3
YTD	+3.33%	+2.36%	+0.96	70 / 165	Q2
1Y	+7.52%	+4.18%	+3.34	51 / 155	Q2
2Y	-1.31%	+2.32%	-3.63	82 / 111	Q3
3Y	+23.61%	+13.55%	+10.06	4 / 74	Q1
4Y	+26.87%	+14.92%	+11.95	3 / 55	Q1
5Y	+22.72%	+10.53%	+12.18	2 / 46	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+21.54%	+9.09%	+12.45	7 / 176	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	+3.33%	+2.99%	+0.34	70 / 164
2025	+9.82%	+1.66%	+8.16	27 / 133
2024	+13.09%	+21.92%	-8.83	65 / 82
2023	+59.10%	+31.01%	+28.08	1 / 59
2022	+28.55%	+2.36%	+26.19	2 / 52
2021	+35.58%	+31.79%	+3.80	14 / 42
2020	-2.39%	+20.01%	-22.40	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

+32.50%

68 windows

min -11.9% · max 96.5%

88% positive

3-Year rolling

+32.50%

44 windows

min 19.4% · max 46.3%

100% positive

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

5-Year rolling

+28.76%

19 windows

min 22.7% · max 35.6%

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

21.22%

3-year · annualised

Sharpe ratio

0.80

vs risk-free 6.5%

Sortino ratio

1.62

Downside-only deviation

Max drawdown

-27.38%

Aug 2024 → Feb 2025

% positive months

66.7%

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 - REGULAR PLAN - GROWTH OPTION	HDFC	₹11.1190	17 Jul 2026
Nippon India Active Momentum Fund - Regular Plan- Growth Option	Nippon India	₹12.8415	17 Jul 2026
SBI Automotive Opportunities Fund - Regular Plan - Growth	SBI	₹12.2936	17 Jul 2026
Invesco India Business Cycle Fund - Regular Plan - Growth	Invesco	₹14.1900	17 Jul 2026
Bandhan Business Cycle Fund - Regular Plan - Growth	Bandhan	₹9.9190	17 Jul 2026
quant BFSI Fund - Growth Option - Regular Plan	Quant	₹21.0071	17 Jul 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - REGULAR PLAN - GROWTH OPTION	Quantum	₹23.1700	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - Growth	Aditya Birla Sun Life	₹64.3300	17 Jul 2026
Motilal Oswal Active Momentum Fund- Regular- Growth	Motilal Oswal	₹13.5060	17 Jul 2026
Mirae Asset Banking and Financial Services Fund Regular Growth	Mirae Asset	₹21.9450	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹36.0400
16 Jul 2026	₹36.0000
15 Jul 2026	₹36.0300
14 Jul 2026	₹35.8300
13 Jul 2026	₹36.1900
10 Jul 2026	₹36.0300
9 Jul 2026	₹35.4700
8 Jul 2026	₹35.2500
7 Jul 2026	₹35.9500
6 Jul 2026	₹36.1000

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 Plan-Growth is ₹36.0400. It's a Sectoral/Thematic Fund from Aditya Birla Sun Life, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

Aditya Birla Sun Life PSU Equity Fund-Regular Plan-Growth 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 Plan-Growth 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 Plan-Growth has delivered a absolute return of 7.52% — +3.34 pp ahead of the Sectoral/Thematic Fund category average of 4.18%. The fund ranks #51 of 155 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life PSU Equity Fund-Regular Plan-Growth has delivered a CAGR of 23.61% — +10.06 pp ahead of the Sectoral/Thematic Fund category average of 13.55%. The fund ranks #4 of 74 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life PSU Equity Fund-Regular Plan-Growth has delivered a CAGR of 22.72% — +12.18 pp ahead of the Sectoral/Thematic Fund category average of 10.53%. The fund ranks #2 of 46 in its category — the top (Q1) quartile.

₹1 lakh invested in Aditya Birla Sun Life PSU Equity Fund-Regular Plan-Growth exactly 5 years ago would be worth approximately ₹278,301 today — a multiplier of 2.78×, based on the 5-year CAGR of 22.72%. The category average over the same window would have grown ₹1 lakh to ₹164,992.

A ₹10,000 monthly SIP in Aditya Birla Sun Life PSU Equity Fund-Regular Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹996,762 today. That's an XIRR (money-weighted annualised return) of 20.41%.

Aditya Birla Sun Life PSU Equity Fund-Regular Plan-Growth doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹996,762 — XIRR 20.41%.

On a 5-year basis, Aditya Birla Sun Life PSU Equity Fund-Regular Plan-Growth ranks #2 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 10.53%; this fund delivered 22.72%.

The worst peak-to-trough decline Aditya Birla Sun Life PSU Equity Fund-Regular Plan-Growth has experienced over the last 5-year window is 27.38% — 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 Plan-Growth averaged 28.76% (best 35.62%, worst 22.72%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.79 — reasonable risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life PSU Equity Fund-Regular Plan-Growth returned 9.82% — beating the Sectoral/Thematic Fund category average of 1.66% by 8.16 pp. It ranked #27 of 133 in its category that year.

Aditya Birla Sun Life PSU Equity Fund-Regular Plan-Growth 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 Plan-Growth 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: 27.4%. 5-year CAGR: 22.72%.

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