MonitorDirect · GrowthWatch before adding
Aditya Birla Sun Life Dynamic Term Fund
Aditya Birla Sun Life Mutual FundIncome/Debt Oriented Schemes - Dynamic Term Fund13.8 years
- NAV
- 52.7912
- 27 Oct 2026
- 1Y
- +4.3%
- Trailing CAGR
- AUM
- ₹1,369.67 Cr
- 30 Sept 2026
- Volatility
- Low
- 3.4% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 27 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 61% of rolling 1-year windows.
Fits if · Three-year return is above the category median.
Prefer peers if · Prefer Kotak Dynamic Term 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
0.64% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -7.5%. Ask whether you can hold through a similar fall.
Vs category
Watch
52% 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
Watch
Top 10 holdings ≈ 60.2% 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.
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+4.3%
- 3Y+7.6%
- 5Y+7.1%
- 10Y+6.0%
- SI+7.5%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+4.1%
- 3Y+6.2%
- 5Y+7.0%
- 10Y+6.6%
- Since inception
- +7.5%
- Calendar-day CAGR
- Excess 1Y
- +1.8%
- Category median, same plan and option
- 3Y win rate
- +52%
- Windows beating the median
- 3Y percentile
- 85
- Vs comparable share classes
- SIP 3Y XIRR
- +6.2%
- Simulated monthly SIP
- Worst rolling 3Y
- +1.2%
- 2604 daily-ending windows
- Median rolling 3Y
- +7.3%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2121 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -7.5%
- Worst peak-to-trough
- Current
- -0.8%
- Below last peak
- Current spell
- 74 days
- Days below latest peak
- Time below peak
- +70%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 8 days
- 280 recovered episodes
- Longest recovery
- 235 days
- Trough to prior peak
19 Sept 2019 – 17 Jul 2020
Trough 25 Nov 2019 · recovered in 235 days
-7.5%
24 Nov 2016 – 21 Jun 2017
Trough 10 Mar 2017 · recovered in 103 days
-6.2%
6 Jun 2013 – 27 Nov 2013
Trough 19 Aug 2013 · recovered in 100 days
-4.0%
6 Sept 2017 – 28 Sept 2018
Trough 22 Feb 2018 · recovered in 218 days
-3.6%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
85
Vs category
61
Consistency
56
Risk-adjusted
50
Drawdown
81
Mean
67
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
- The fund beat the category median in 61% of rolling 1-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 · 43 holdings · top 10 are 60.2%.
- Top 5
- 37.7%
- Top 10
- 60.2%
- Largest holding
- 10.0%
- Effective holdings
- 20.5
Repo
Unspecified
10.0%
GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100
Entities
8.6%
HDFC Bank Ltd (15-Jan-2027)
Financial
7.2%
TATA CAPITAL HOUSING FINANCE LIMITED SR C 7.79 NCD 18JU30 FVRS1LAC
Financial
6.1%
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED SR SD72 9.10 NCD 27JU31 FVRS1LAC
Financial
5.9%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Kotak Dynamic Term Fund
Kotak Mahindra Mutual Fund
- 1Y
- +4.0%
- 3Y
- +7.6%
- Vol
- 2.4%
- Max DD
- -3.2%
- Sharpe
- 1.07
- 3Y win
- +89%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Axis Dynamic Term Fund
Axis Mutual Fund
- 1Y
- +4.6%
- 3Y
- +7.3%
- Vol
- 3.3%
- Max DD
- -7.1%
- Sharpe
- 0.71
- 3Y win
- +77%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
ICICI Prudential Dynamic Term Fund
ICICI Prudential Mutual Fund
- 1Y
- +3.3%
- 3Y
- +7.1%
- Vol
- 2.5%
- Max DD
- -3.6%
- Sharpe
- 1.32
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
PGIM India Dynamic Term Fund
PGIM India Mutual Fund
- 1Y
- +1.9%
- 3Y
- +6.7%
- Vol
- 2.8%
- Max DD
- -4.1%
- Sharpe
- 0.71
- 3Y win
- +78%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
BANDHAN Dynamic Term Fund
Bandhan Mutual Fund
- 1Y
- +6.7%
- 3Y
- +8.0%
- Vol
- 3.7%
- Max DD
- -7.0%
- Sharpe
- 0.62
- 3Y win
- +58%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Higher TER