MonitorPlan n/a · GrowthWatch before adding
Aditya Birla Sun Life Banking & PSU Debt Fund - Retail Plan
Aditya Birla Sun Life Mutual FundDebt Scheme - Banking and PSU Fund26.8 years
- NAV
- 576.6893
- 19 Jun 2026
- 1Y
- +4.5%
- Trailing CAGR
- AUM
- ₹5.97 Cr
- 30 Jun 2026
- Volatility
- n/a
- History still thin
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 19 Jun 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Watch if · Risk metrics are withheld because the NAV history contains an implausible daily move above 50%.
Prefer peers if · Prefer Kotak Banking and PSU Debt Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
26.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
n/a
TER not on file yet.
Drawdown vs peers
Pass
Peak-to-trough -3.1%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
n/a
Manager not listed.
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
n/a
Holdings weights not on file for this scheme yet.
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.
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+4.5%
- 3Y+6.8%
- 5Y+6.0%
- 10Y+7.2%
- SI+20.9%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+4.8%
- 3Y+6.5%
- 5Y+6.5%
- 10Y+6.7%
- Since inception
- +20.9%
- Calendar-day CAGR
- Excess 1Y
- n/a
- Category median, same plan and option
- 3Y win rate
- n/a
- Windows beating the median
- 3Y percentile
- n/a
- Vs comparable share classes
- SIP 3Y XIRR
- +6.5%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.5%
- 4155 daily-ending windows
- Median rolling 3Y
- +8.3%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 3671 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -3.1%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +31%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 5 days
- 332 recovered episodes
- Longest recovery
- 63 days
- Trough to prior peak
6 Mar 2020 – 20 Apr 2020
Trough 23 Mar 2020 · recovered in 28 days
-3.1%
24 Nov 2016 – 12 May 2017
Trough 10 Mar 2017 · recovered in 63 days
-1.9%
8 Jan 2021 – 23 Apr 2021
Trough 16 Mar 2021 · recovered in 38 days
-1.3%
9 Apr 2018 – 25 Jun 2018
Trough 17 May 2018 · recovered in 39 days
-0.9%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
39
Vs category
n/a
Consistency
n/a
Risk-adjusted
n/a
Drawdown
92
Mean
n/a
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
- AUM fell by 30% or more versus the prior observation.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Risk metrics are withheld because the NAV history contains an implausible daily move above 50%.
No holdings or recent changes on file for this scheme yet.
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Kotak Banking and PSU Debt Fund
Kotak Mahindra Mutual Fund
- 1Y
- +3.9%
- 3Y
- +7.0%
- Vol
- 1.5%
- Max DD
- -2.8%
- Sharpe
- 1.35
- 3Y win
- +82%
- Shallower drawdown
- Higher trailing returns
Franklin India Banking & PSU Debt Fund
Franklin Templeton Mutual Fund
- 1Y
- +5.3%
- 3Y
- +7.3%
- Vol
- 1.7%
- Max DD
- -3.6%
- Sharpe
- 1.07
- 3Y win
- +31%
- Higher trailing returns
Caveat: Deeper drawdown
ITI Banking & PSU Debt Fund
ITI Mutual Fund
- 1Y
- +4.0%
- 3Y
- +6.8%
- Vol
- 0.8%
- Max DD
- -1.1%
- Sharpe
- 0.20
- 3Y win
- +48%
- Shallower drawdown
Caveat: Lower trailing returns