Should I invest in Aditya Birla Sun Life Savings Fund-Regular - DAILY IDCW?

We don't give personal investment advice. Aditya Birla Sun Life Savings Fund-Regular - DAILY IDCW is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.7%. 5-year CAGR: -0.13%.

Birla Sun Life

Aditya Birla Sun Life Savings Fund-Regular - DAILY IDCW

Unit split applied to historical metrics

This scheme had a 10× unit consolidation on 7 Oct 2011. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹100.0000

As of

24 Jul 2026

4,621 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	+0.00%	-0.02%	+0.02	29 / 42	Q3
1W	+0.00%	+0.06%	-0.06	32 / 42	Q4
2W	-0.01%	+0.13%	-0.14	36 / 41	Q4
1M	-0.03%	+0.25%	-0.28	33 / 40	Q4
3M	-0.24%	+0.80%	-1.04	39 / 41	Q4
6M	-0.39%	+1.41%	-1.80	40 / 41	Q4
YTD	-0.46%	+1.40%	-1.87	40 / 41	Q4
1Y	-0.54%	+2.32%	-2.86	40 / 41	Q4
2Y	-0.13%	+2.28%	-2.41	40 / 40	Q4
3Y	-0.03%	+1.86%	-1.89	30 / 36	Q4
4Y	+0.00%	+1.94%	-1.94	23 / 31	Q3
5Y	-0.13%	+1.84%	-1.98	28 / 30	Q4
7Y	-0.08%	+1.81%	-1.89	30 / 30	Q4
10Y	-0.07%	+2.20%	-2.27	19 / 20	Q4
Inception	0.00%	+1.97%	-1.97	39 / 42	Q4

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	-0.46%	+0.98%	-1.44	27 / 28
2025	+0.21%	+2.08%	-1.88	14 / 28
2024	+0.17%	+2.04%	-1.87	12 / 29
2023	+0.09%	+2.06%	-1.97	13 / 29
2022	-0.60%	+1.21%	-1.81	31 / 31
2021	-0.19%	+1.04%	-1.23	27 / 30
2020	+0.22%	+1.89%	-1.67	19 / 31
2019	+0.36%	+1.34%	-0.99	17 / 35
2018	-0.07%	+2.74%	-2.81	27 / 27
2017	-0.58%	+2.51%	-3.10	26 / 26
2016	+0.45%	+3.00%	-2.55	9 / 18

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

+0.02%

221 windows

min -0.7% · max 1.3%

44% positive

3-Year rolling

+0.01%

197 windows

min -0.3% · max 0.3%

55% positive

5-Year rolling

+0.01%

173 windows

min -0.1% · max 0.2%

60% positive

7-Year rolling

+0.02%

148 windows

min -0.1% · max 0.1%

74% positive

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

0.20%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.63%

Jun 2025 → Jul 2026

% positive months

22.2%

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 Ultra Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Ultra Short Term Fund - Daily IDCW Option	HDFC	₹10.1030	24 Jul 2026
NIPPON INDIA ULTRA SHORT DURATION FUND - DAILY IDCW OPTION	Nippon India	₹1,114.1500	24 Jul 2026
SBI Ultra Short Duration Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹2,400.1222	24 Jul 2026
ICICI Prudential Ultra Short Term Fund - Daily IDCW	ICICI Prudential	₹10.0719	24 Jul 2026
Franklin India Ultra Short Duration Fund - IDCW	Franklin India	₹10.6743	24 Jul 2026
Kotak Savings Fund -Growth	Kotak Mahindra	₹45.6632	24 Jul 2026
UTI Ultra Short Duration Fund - Discontinued - INSTN GROWTH OPTION	UTI	₹3,230.5336	24 Jul 2026
PGIM India Ultra Short Duration Fund - Daily Dividend	PGIM India	₹10.0203	24 Jul 2026
Aditya Birla Sun Life Savings Fund-Regular - weekly IDCW	Birla Sun Life	₹100.5566	24 Jul 2026
Invesco India Ultra Short Duration Fund - Regular Plan - Weekly IDCW (Payout / Reinvestment)		₹1,146.6338	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹100.0000
23 Jul 2026	₹100.0000
22 Jul 2026	₹100.0000
21 Jul 2026	₹100.0000
20 Jul 2026	₹100.0000
17 Jul 2026	₹100.0000
16 Jul 2026	₹100.0000
15 Jul 2026	₹99.9847
14 Jul 2026	₹99.9573
13 Jul 2026	₹100.0068

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 24 Jul 2026, the NAV of Aditya Birla Sun Life Savings Fund-Regular - DAILY IDCW is ₹100.0000. It's a Ultra Short Duration Fund from Birla Sun Life, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Aditya Birla Sun Life Savings Fund-Regular - DAILY IDCW has NAV history starting from 08 Jun 2007, a track record of about 19 years 1 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Aditya Birla Sun Life Savings Fund-Regular - DAILY IDCW is managed by Birla Sun Life. It's classified by AMFI under the 'Ultra Short Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Aditya Birla Sun Life Savings Fund-Regular - DAILY IDCW has delivered a absolute return of -0.54% — -2.86 pp behind the Ultra Short Duration Fund category average of 2.32%. The fund ranks #40 of 41 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Savings Fund-Regular - DAILY IDCW has delivered a CAGR of -0.03% — -1.89 pp behind the Ultra Short Duration Fund category average of 1.86%. The fund ranks #30 of 36 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Savings Fund-Regular - DAILY IDCW has delivered a CAGR of -0.13% — -1.98 pp behind the Ultra Short Duration Fund category average of 1.84%. The fund ranks #28 of 30 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Aditya Birla Sun Life Savings Fund-Regular - DAILY IDCW exactly 10 years ago would be worth approximately ₹99,336 today — a multiplier of 0.99×, based on the 10-year CAGR of -0.07%. The category average over the same window would have grown ₹1 lakh to ₹124,369.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Savings Fund-Regular - DAILY IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹598,421 today. That's an XIRR (money-weighted annualised return) of -0.10%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Savings Fund-Regular - DAILY IDCW = ₹1,200,000 invested. It would currently be worth ₹1,195,485 (multiplier 1.00×). XIRR: -0.07%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Aditya Birla Sun Life Savings Fund-Regular - DAILY IDCW ranks #28 out of 30 funds in the Ultra Short Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 1.84%; this fund delivered -0.13%.

The worst peak-to-trough decline Aditya Birla Sun Life Savings Fund-Regular - DAILY IDCW has experienced over the last 5-year window is 0.72% — its NAV fell from a high on 26 Jul 2021 to a low on 27 Sep 2022. 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 Savings Fund-Regular - DAILY IDCW averaged 0.01% (best 0.19%, worst -0.13%). 60% of rolling windows ended positive.

In calendar year 2025, Aditya Birla Sun Life Savings Fund-Regular - DAILY IDCW returned 0.21% — lagging the Ultra Short Duration Fund category average of 2.08% by 1.88 pp. It ranked #14 of 28 in its category that year.

Aditya Birla Sun Life Savings Fund-Regular - DAILY IDCW is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. Aditya Birla Sun Life Savings Fund-Regular - DAILY IDCW is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.7%. 5-year CAGR: -0.13%.

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