Should I invest in Aditya Birla Sun Life Short Term Fund-Quarterly?

We don't give personal investment advice. Aditya Birla Sun Life Short Term Fund-Quarterly-IDCW-Direct 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: 6.8%. 5-year CAGR: -0.40%.

Aditya Birla Sun Life

Aditya Birla Sun Life Short Term Fund-Quarterly-IDCW-Direct

Latest NAV

₹10.8555

As of

3 Jun 2026

3,238 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	+0.05%	+0.03%	+0.02	46 / 70	Q3
1W	+0.20%	+0.45%	-0.25	43 / 75	Q3
2W	+0.30%	+3.30%	-3.00	37 / 73	Q3
1M	+0.09%	+3.91%	-3.82	60 / 73	Q4
3M	-0.94%	+3.67%	-4.61	60 / 73	Q4
6M	-1.28%	+4.08%	-5.36	59 / 73	Q4
YTD	-0.16%	+4.25%	-4.41	57 / 73	Q4
1Y	-1.28%	+5.25%	-6.53	59 / 73	Q4
2Y	-1.75%	+6.08%	-7.84	68 / 69	Q4
3Y	-1.06%	+5.06%	-6.12	65 / 67	Q4
4Y	-0.17%	+4.91%	-5.08	57 / 58	Q4
5Y	-0.40%	+4.32%	-4.72	52 / 53	Q4
7Y	+0.43%	+3.70%	-3.27	32 / 50	Q3
10Y	+0.12%	+3.17%	-3.05	32 / 42	Q4
Inception	+0.43%	+3.21%	-2.77	47 / 69	Q3

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	-0.16%	+0.03%	-0.19	44 / 57
2025	+2.11%	+12.93%	-10.83	36 / 62
2024	-3.67%	+3.52%	-7.19	63 / 64
2023	+0.76%	-1.39%	+2.15	38 / 65
2022	-0.03%	+1.79%	-1.82	47 / 60
2021	-0.56%	+1.60%	-2.16	41 / 49
2020	+5.42%	+4.17%	+1.26	21 / 51
2019	+1.12%	+0.83%	+0.29	19 / 50
2018	-0.45%	+1.84%	-2.28	43 / 48
2017	-3.46%	+1.67%	-5.14	46 / 47
2016	+1.46%	+4.15%	-2.69	25 / 45

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

+0.37%

152 windows

min -3.9% · max 6.1%

59% positive

3-Year rolling

+0.36%

127 windows

min -1.4% · max 2.5%

54% positive

5-Year rolling

+0.41%

103 windows

min -0.7% · max 1.5%

64% positive

7-Year rolling

+0.53%

79 windows

min -0.1% · max 1.1%

97% 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

4.64%

3-year · annualised

Sharpe ratio

-1.61

vs risk-free 6.5%

Sortino ratio

-1.76

Downside-only deviation

Max drawdown

-6.82%

Dec 2024 → Dec 2024

% 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 Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Short Term Debt Fund - Fortnightly IDCW - Direct Plan	HDFC	₹10.3067	3 Jun 2026
NIPPON INDIA SHORT DURATION FUND - Direct Plan - IDCW Option	Nippon India	₹24.4258	3 Jun 2026
SBI Short Term Debt Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹19.8855	3 Jun 2026
ICICI Prudential Short Term Fund - Direct Plan - Monthly IDCW	ICICI Prudential	₹12.6802	3 Jun 2026
Invesco India Short Duration Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,023.1248	3 Jun 2026
Bandhan Short Duration Fund - Direct Plan - Annual IDCW	Bandhan	₹10.8737	3 Jun 2026
Aditya Birla Sun Life Short Term Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹10.8440	3 Jun 2026
Franklin India Short term Income Plan- Retail Plan-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct Monthly - IDCW	Franklin India	₹0.0000	3 Jun 2026
Mirae Asset Short Duration Fund - Direct Plan - IDCW	Mirae Asset	₹17.3593	3 Jun 2026
Kotak Bond Short Term Plan - Direct - Standard Income Distribution cum capital withdrawal option	Kotak	₹15.9032	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.8555
2 Jun 2026	₹10.8556
1 Jun 2026	₹10.8504
29 May 2026	₹10.8462
27 May 2026	₹10.8395
26 May 2026	₹10.8335
25 May 2026	₹10.8309
22 May 2026	₹10.8183
21 May 2026	₹10.8083
20 May 2026	₹10.8166

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 Short Term Fund-Quarterly-IDCW-Direct is ₹10.8555. It's a Short Duration 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 Short Term Fund-Quarterly-IDCW-Direct has NAV history starting from 02 Jan 2013, a track record of about 13 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 Short Term Fund-Quarterly-IDCW-Direct is managed by Aditya Birla Sun Life. It's classified by AMFI under the 'Short Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Aditya Birla Sun Life Short Term Fund-Quarterly-IDCW-Direct has delivered a absolute return of -1.28% — -6.53 pp behind the Short Duration Fund category average of 5.25%. The fund ranks #59 of 73 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Short Term Fund-Quarterly-IDCW-Direct has delivered a CAGR of -1.06% — -6.12 pp behind the Short Duration Fund category average of 5.06%. The fund ranks #65 of 67 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Short Term Fund-Quarterly-IDCW-Direct has delivered a CAGR of -0.40% — -4.72 pp behind the Short Duration Fund category average of 4.32%. The fund ranks #52 of 53 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Aditya Birla Sun Life Short Term Fund-Quarterly-IDCW-Direct exactly 10 years ago would be worth approximately ₹101,198 today — a multiplier of 1.01×, based on the 10-year CAGR of 0.12%. The category average over the same window would have grown ₹1 lakh to ₹136,625.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Short Term Fund-Quarterly-IDCW-Direct over the last 5 years — total invested ₹600,000 — would be worth ₹591,373 today. That's an XIRR (money-weighted annualised return) of -0.57%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Short Term Fund-Quarterly-IDCW-Direct = ₹1,200,000 invested. It would currently be worth ₹1,205,790 (multiplier 1.00×). XIRR: 0.10%. 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 Short Term Fund-Quarterly-IDCW-Direct ranks #52 out of 53 funds in the Short Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 4.32%; this fund delivered -0.40%.

The worst peak-to-trough decline Aditya Birla Sun Life Short Term Fund-Quarterly-IDCW-Direct has experienced over the last 5-year window is 6.82% — its NAV fell from a high on 16 Dec 2024 to a low on 20 Dec 2024. 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 Short Term Fund-Quarterly-IDCW-Direct averaged 0.41% (best 1.55%, worst -0.66%). 64% of rolling windows ended positive. The 5-year Sharpe ratio is -1.74 — negative risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Short Term Fund-Quarterly-IDCW-Direct returned 2.11% — lagging the Short Duration Fund category average of 12.93% by 10.83 pp. It ranked #36 of 62 in its category that year.

Aditya Birla Sun Life Short Term Fund-Quarterly-IDCW-Direct 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 Short Term Fund-Quarterly-IDCW-Direct 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: 6.8%. 5-year CAGR: -0.40%.

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