HealthyDirect · GrowthFit for a long SIP
Aditya Birla Sun Life Conservative Hybrid Fund
Aditya Birla Sun Life Mutual FundHybrid Schemes - Conservative Hybrid Fund13.8 years
The scheme primarily seeks to generate regular income through a predominant exposure to debt and money market instruments. It also aims at capital growth through an equity exposure of maximum 25 per cent.
- NAV
- 78.0205
- 29 Oct 2026
- 1Y
- +1.5%
- Trailing CAGR
- AUM
- ₹1,467.08 Cr
- 30 Sept 2026
- Volatility
- Low
- 5.0% 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 · The fund beat the category median in 59% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.96% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -14.2%. Ask whether you can hold through a similar fall.
Vs category
Pass
59% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Mohit Sharma · 2.0 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 ≈ 28.5% 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 14%. 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+1.5%
- 3Y+8.4%
- 5Y+7.7%
- 10Y+8.1%
- SI+9.9%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+1.1%
- 3Y+5.6%
- 5Y+7.3%
- 10Y+8.4%
- Since inception
- +9.9%
- Calendar-day CAGR
- Excess 1Y
- +1.1%
- Category median, same plan and option
- 3Y win rate
- +59%
- Windows beating the median
- 3Y percentile
- 80
- Vs comparable share classes
- SIP 3Y XIRR
- +5.6%
- Simulated monthly SIP
- Worst rolling 3Y
- +0.2%
- 2619 daily-ending windows
- Median rolling 3Y
- +10.2%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2135 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -14.2%
- Worst peak-to-trough
- Current
- -2.2%
- Below last peak
- Current spell
- 76 days
- Days below latest peak
- Time below peak
- +78%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 10 days
- 231 recovered episodes
- Longest recovery
- 209 days
- Trough to prior peak
12 Feb 2020 – 9 Oct 2020
Trough 23 Mar 2020 · recovered in 200 days
-14.2%
19 Aug 2015 – 4 Apr 2016
Trough 25 Feb 2016 · recovered in 39 days
-6.6%
28 Aug 2018 – 20 May 2019
Trough 23 Oct 2018 · recovered in 209 days
-6.3%
20 May 2013 – 9 Oct 2013
Trough 19 Aug 2013 · recovered in 51 days
-5.8%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
80
Vs category
57
Consistency
61
Risk-adjusted
66
Drawdown
64
Mean
66
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
- The fund beat the category median in 59% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 125 holdings · top 10 are 28.5%.
- Top 5
- 17.0%
- Top 10
- 28.5%
- Largest holding
- 3.7%
- Effective holdings
- 62.0
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED SR SD73 8.92 NCD 02DC34 FVRS1LAC
Financial
3.7%
MUTHOOT FINANCE LIMITED RR NCD 26JL29 FVRS1LAC
Financial
3.4%
GOVERNMENT OF INDIA 37861 091 DAYS TBILL 27NV26 FV RS 100
Financial
3.4%
TATA CAPITAL HOUSING FINANCE LIMITED SR C 7.79 NCD 18JU30 FVRS1LAC
Financial
3.4%
JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC
Materials
3.2%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
ICICI Prudential Conservative Hybrid Fund
ICICI Prudential Mutual Fund
- 1Y
- +0.9%
- 3Y
- +8.5%
- Vol
- 4.2%
- Max DD
- -8.8%
- Sharpe
- 0.98
- 3Y win
- +86%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Kotak Conservative Hybrid Fund
Kotak Mahindra Mutual Fund
- 1Y
- -0.1%
- 3Y
- +8.3%
- Vol
- 4.8%
- Max DD
- -11.8%
- Sharpe
- 0.87
- 3Y win
- +95%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
HSBC Conservative Hybrid Fund
HSBC Mutual Fund
- 1Y
- +0.4%
- 3Y
- +8.6%
- Vol
- 4.9%
- Max DD
- -10.4%
- Sharpe
- 0.55
- 3Y win
- +38%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
Caveat: Higher TER
BARODA BNP PARIBAS CONSERVATIVE HYBRID FUND
Baroda BNP Paribas Mutual Fund
- 1Y
- +2.5%
- 3Y
- +8.2%
- Vol
- 3.6%
- Max DD
- -4.5%
- Sharpe
- 0.57
- 3Y win
- +27%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Canara Robeco Conservative Hybrid Fund
Canara Robeco Mutual Fund
- 1Y
- +0.6%
- 3Y
- +7.5%
- Vol
- 4.3%
- Max DD
- -10.2%
- Sharpe
- 0.77
- 3Y win
- +38%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns