MonitorDirect · GrowthWatch before adding
Aditya Birla Sun Life Balanced Advantage Fund
Aditya Birla Sun Life Mutual FundHybrid Scheme - Dynamic Asset Allocation or Balanced Advantage12.1 years
The Scheme seeks to generate long term growth of capital and income distribution with relatively lower volatility by investing in a dynamically balanced portfolio of Equity & Equity linked investments and fixed-income securities.
- NAV
- 126.86
- 30 Oct 2026
- 1Y
- +2.2%
- Trailing CAGR
- AUM
- ₹9,836.35 Cr
- 30 Sept 2026
- Volatility
- Medium
- 9.8% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · The fund beat the category median in 77% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Prefer peers if · Prefer Edelweiss Balanced Advantage Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
12.1 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.89% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -26.4%. Ask whether you can hold through a similar fall.
Vs category
Pass
77% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Rohit Karan · 0.6 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 29.0% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 26%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+2.2%
- 3Y+11.6%
- 5Y+9.7%
- 10Y+10.6%
- SI+11.1%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+2.6%
- 3Y+7.0%
- 5Y+9.9%
- 10Y+11.1%
- Since inception
- +11.1%
- Calendar-day CAGR
- Excess 1Y
- +4.8%
- Category median, same plan and option
- 3Y win rate
- +77%
- Windows beating the median
- 3Y percentile
- 94
- Vs comparable share classes
- SIP 3Y XIRR
- +7.0%
- Simulated monthly SIP
- Worst rolling 3Y
- -2.8%
- 2230 daily-ending windows
- Median rolling 3Y
- +12.5%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 1741 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -26.4%
- Worst peak-to-trough
- Current
- -3.9%
- Below last peak
- Current spell
- 81 days
- Days below latest peak
- Time below peak
- +82%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 10 days
- 193 recovered episodes
- Longest recovery
- 154 days
- Trough to prior peak
17 Jan 2020 – 21 Aug 2020
Trough 23 Mar 2020 · recovered in 151 days
-26.4%
19 Aug 2015 – 20 Apr 2016
Trough 29 Feb 2016 · recovered in 51 days
-12.6%
27 Sept 2024 – 12 May 2025
Trough 28 Feb 2025 · recovered in 73 days
-8.7%
17 Jan 2022 – 12 Aug 2022
Trough 17 Jun 2022 · recovered in 56 days
-7.7%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
94
Vs category
80
Consistency
68
Risk-adjusted
52
Drawdown
34
Mean
66
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
No status reasons yet. History is still thin.
Supporting reads
- The fund beat the category median in 77% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 140 holdings · top 10 are 29.0%.
- Top 5
- 19.6%
- Top 10
- 29.0%
- Largest holding
- 7.7%
- Effective holdings
- 55.3
Cash Margin
Unspecified
7.7%
ICICI Bank Ltd
Financial
3.8%
Kotak Mahindra Bank Ltd
Financial
2.9%
HDFC Bank Ltd
Financial
2.7%
Repo
Unspecified
2.4%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Edelweiss Balanced Advantage Fund
Edelweiss Mutual Fund
- 1Y
- +0.5%
- 3Y
- +10.6%
- Vol
- 9.0%
- Max DD
- -16.2%
- Sharpe
- 0.67
- 3Y win
- +77%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Franklin India Balanced Advantage Fund
Franklin Templeton Mutual Fund
- 1Y
- -4.4%
- 3Y
- +8.9%
- Vol
- 6.9%
- Max DD
- -8.1%
- Sharpe
- 0.56
- 3Y win
- +96%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
SBI Balanced Advantage Fund
SBI Mutual Fund
- 1Y
- -3.0%
- 3Y
- +9.4%
- Vol
- 6.4%
- Max DD
- -7.4%
- Sharpe
- 0.54
- 3Y win
- +98%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
quant Dynamic Asset Allocation Fund
quant Mutual Fund
- 1Y
- -5.8%
- 3Y
- +12.8%
- Vol
- 13.8%
- Max DD
- -18.4%
- Sharpe
- 0.68
- 3Y win
- +100%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Higher TER
UNIFI DYNAMIC ASSET ALLOCATION FUND
Unifi Mutual Fund
- 1Y
- +8.4%
- 3Y
- n/a
- Vol
- 0.8%
- Max DD
- -0.2%
- Sharpe
- 2.71
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns