HealthyDirect · GrowthFit for a long SIP
Aditya Birla Sun Life Business Cycle Fund
Aditya Birla Sun Life Mutual FundEquity Scheme - Sectoral/ Thematic4.9 years
- NAV
- 16.54
- 29 Oct 2026
- 1Y
- +0.1%
- Trailing CAGR
- AUM
- ₹1,843.59 Cr
- 31 Aug 2026
- Volatility
- Medium
- 13.9% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Buy checklist
History depth
Watch
4.9 years - usable, still building a track record.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Watch
1.56% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -17.8%. Ask whether you can hold through a similar fall.
Vs category
Fail
13% of rolling 3Y windows beat the category median, same plan and option.
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
Pass
Top 10 holdings ≈ 28.6% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
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 18%. 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
If you start a SIP here, diary a 90-day check and an annual review - don’t react to every NAV print.
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+0.1%
- 3Y+13.1%
- 5Yn/a
- 10Yn/a
- SI+10.6%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+4.1%
- 3Y+6.3%
- 5Yn/a
- 10Yn/a
- Since inception
- +10.6%
- Calendar-day CAGR
- Excess 1Y
- +2.9%
- Category median, same plan and option
- 3Y win rate
- +13%
- Windows beating the median
- 3Y percentile
- 60
- Vs comparable share classes
- SIP 3Y XIRR
- +6.3%
- Simulated monthly SIP
- Worst rolling 3Y
- +10.4%
- 468 daily-ending windows
- Median rolling 3Y
- +14.6%
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -17.8%
- Worst peak-to-trough
- Current
- -6.5%
- Below last peak
- Current spell
- 62 days
- Days below latest peak
- Time below peak
- +88%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 18 days
- 53 recovered episodes
- Longest recovery
- 490 days
- Trough to prior peak
27 Sept 2024 – 6 Jul 2026
Trough 3 Mar 2025 · recovered in 490 days
-17.8%
17 Jan 2022 – 12 Sept 2022
Trough 17 Jun 2022 · recovered in 87 days
-16.4%
28 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-10.5%
1 Dec 2022 – 28 Jun 2023
Trough 28 Mar 2023 · recovered in 92 days
-10.4%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
60
Vs category
68
Consistency
24
Risk-adjusted
44
Drawdown
56
Mean
50
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
No supporting reads in the current evidence set.
Portfolio
31 Aug 2026 · 60 holdings · top 10 are 28.6%.
- Top 5
- 16.0%
- Top 10
- 28.6%
- Largest holding
- 4.2%
- Effective holdings
- 49.5
ICICI Bank Ltd
Financial
4.2%
The Federal Bank Ltd
Financial
3.5%
R R Kabel Ltd.
Industrials
3.0%
Shivalik Bimetal Controls Ltd
Industrials
2.7%
Birlasoft Ltd
Technology
2.6%
What changed
DECISION
Status moved from MONITOR to HEALTHY.
15 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
ICICI PRUDENTIAL HOUSING OPPORTUNITIES FUND
ICICI Prudential Mutual Fund
- 1Y
- -9.1%
- 3Y
- +10.7%
- Vol
- 12.6%
- Max DD
- -16.7%
- Sharpe
- 0.55
- 3Y win
- +65%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Kotak Business Cycle Fund
Kotak Mahindra Mutual Fund
- 1Y
- +0.3%
- 3Y
- +16.1%
- Vol
- 12.7%
- Max DD
- -18.4%
- Sharpe
- 0.72
- 3Y win
- +98%
- Lower volatility
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
Motilal Oswal Active Momentum Fund
Motilal Oswal Mutual Fund
- 1Y
- +15.9%
- 3Y
- n/a
- Vol
- 17.2%
- Max DD
- -16.6%
- Sharpe
- 1.01
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Higher TER
Aditya Birla Sun Life Infrastructure Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +7.5%
- 3Y
- +16.9%
- Vol
- 18.5%
- Max DD
- -53.5%
- Sharpe
- 0.56
- 3Y win
- +66%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Edelweiss Recently Listed IPO Fund
Edelweiss Mutual Fund
- 1Y
- +16.8%
- 3Y
- +16.9%
- Vol
- 18.8%
- Max DD
- -32.3%
- Sharpe
- 0.56
- 3Y win
- +49%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown