MonitorDirect · GrowthWatch before adding
Aditya Birla Sun Life Consumption Fund
Aditya Birla Sun Life Mutual FundEquity Scheme - Sectoral/ Thematic13.8 years
The scheme aims to invest in equity/ equity related instruments of companies that are expected to benefit from the rising consumption patterns in India, which in turn is getting fuelled by high disposable incomes of the young generation (Generation Next).
- NAV
- 220.23
- 26 Oct 2026
- 1Y
- -13.8%
- Trailing CAGR
- AUM
- ₹5,697.41 Cr
- 30 Sept 2026
- Volatility
- Medium
- 14.8% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 26 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 70% of rolling 3-year windows.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Prefer peers if · Prefer Kotak Business Cycle Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.97% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -34.5%. Ask whether you can hold through a similar fall.
Vs category
Pass
70% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Chanchal Khandelwal · 11.2 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 ≈ 39.3% 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 35%. 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-13.8%
- 3Y+7.4%
- 5Y+7.3%
- 10Y+12.6%
- SI+14.9%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-13.4%
- 3Y-2.5%
- 5Y+5.4%
- 10Y+11.8%
- Since inception
- +14.9%
- Calendar-day CAGR
- Excess 1Y
- -9.2%
- Category median, same plan and option
- 3Y win rate
- +70%
- Windows beating the median
- 3Y percentile
- 23
- Vs comparable share classes
- SIP 3Y XIRR
- -2.5%
- Simulated monthly SIP
- Worst rolling 3Y
- -1.1%
- 2650 daily-ending windows
- Median rolling 3Y
- +17.4%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2157 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -34.5%
- Worst peak-to-trough
- Current
- -17.8%
- Below last peak
- Current spell
- 760 days
- Days below latest peak
- Time below peak
- +86%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 12 days
- 175 recovered episodes
- Longest recovery
- 237 days
- Trough to prior peak
12 Feb 2020 – 12 Nov 2020
Trough 23 Mar 2020 · recovered in 234 days
-34.5%
26 Sept 2024 – open
Trough 30 Mar 2026 · not recovered
-20.8%
15 Nov 2021 – 18 Aug 2022
Trough 7 Mar 2022 · recovered in 164 days
-17.1%
16 May 2013 – 31 Oct 2013
Trough 28 Aug 2013 · recovered in 64 days
-16.7%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
23
Vs category
0
Consistency
67
Risk-adjusted
58
Drawdown
14
Mean
32
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
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
- The fund beat the category median in 70% of rolling 3-year windows.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 66 holdings · top 10 are 39.3%.
- Top 5
- 24.5%
- Top 10
- 39.3%
- Largest holding
- 7.3%
- Effective holdings
- 38.5
Zomato Ltd
Technology
7.3%
Bharti Airtel Ltd
Technology
5.3%
Mahindra & Mahindra Ltd
Consumer Discretionary
4.4%
TVS Motor Company Ltd
Consumer Discretionary
3.9%
ICICI Bank Ltd
Financial
3.6%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
26 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
21 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
19 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
16 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
24 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
21 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
18 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
17 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Kotak Business Cycle Fund
Kotak Mahindra Mutual Fund
- 1Y
- -0.6%
- 3Y
- +15.7%
- Vol
- 12.7%
- Max DD
- -18.4%
- Sharpe
- 0.70
- 3Y win
- +98%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Nippon India Innovation Fund
Nippon India Mutual Fund
- 1Y
- -6.0%
- 3Y
- +12.6%
- Vol
- 14.3%
- Max DD
- -21.5%
- Sharpe
- 0.44
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Motilal Oswal Active Momentum Fund
Motilal Oswal Mutual Fund
- 1Y
- +12.0%
- 3Y
- n/a
- Vol
- 17.1%
- Max DD
- -16.6%
- Sharpe
- 0.91
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Higher TER
Aditya Birla Sun Life Business Cycle Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- -1.8%
- 3Y
- +12.6%
- Vol
- 13.8%
- Max DD
- -17.8%
- Sharpe
- 0.36
- 3Y win
- +12%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
Caveat: Higher TER
Axis ESG Integration Strategy Fund
Axis Mutual Fund
- 1Y
- -10.9%
- 3Y
- +7.9%
- Vol
- 14.4%
- Max DD
- -24.3%
- Sharpe
- 0.45
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
Caveat: Higher TER