MonitorDirect · GrowthWatch before adding
Aditya Birla Sun Life Flexi Cap Fund
Aditya Birla Sun Life Mutual FundEquity Scheme - Flexi Cap Fund13.8 years
The fund seeks long-term growth of capital and regular income through 90% investment in equities and 10% in debt and money market securities. The scheme would adopt top-down & bottom-up approach of investing & a portion of the scheme will also be invested in IPOs, emerging sectors & other primary market offerings.
- NAV
- 2,105.80
- 28 Oct 2026
- 1Y
- +0.5%
- Trailing CAGR
- Upside capture
- +100%
- Vs NIFTY 500 TRI
- Downside capture
- +96%
- Lower is better
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 28 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 58% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Prefer peers if · Prefer ITI Flexi Cap 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
0.91% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Watch
Peak-to-trough -38.6%. Ask whether you can hold through a similar fall.
Vs category
Pass
58% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Harish Krishnan · 3.0 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 ≈ 27.9% 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 39%. 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+0.5%
- 3Y+15.0%
- 5Y+10.6%
- 10Y+13.2%
- SI+15.7%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+1.9%
- 3Y+7.6%
- 5Y+12.1%
- 10Y+13.9%
- Since inception
- +15.7%
- Calendar-day CAGR
- Excess 1Y
- +5.9%
- Category median, same plan and option
- 3Y win rate
- +58%
- Windows beating the median
- 3Y percentile
- 78
- Vs comparable share classes
- SIP 3Y XIRR
- +7.6%
- Simulated monthly SIP
- Worst rolling 3Y
- -6.6%
- 2652 daily-ending windows
- Median rolling 3Y
- +17.1%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2159 daily-ending windows
Official benchmark
Date-aligned against NIFTY 500 TRI. Capture ratios use common month-end observations through 29 Oct 2026.
- 1Y excess
- +8.4%
- Fund minus TRI
- 3Y excess
- +5.0%
- Fund minus TRI
- Upside capture
- +100%
- Benchmark-up months
- Downside capture
- +96%
- Lower is better
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -38.6%
- Worst peak-to-trough
- Current
- -6.1%
- Below last peak
- Current spell
- 79 days
- Days below latest peak
- Time below peak
- +87%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 15 days
- 167 recovered episodes
- Longest recovery
- 377 days
- Trough to prior peak
13 Feb 2020 – 11 Nov 2020
Trough 23 Mar 2020 · recovered in 233 days
-38.6%
18 Oct 2021 – 16 Jun 2023
Trough 20 Jun 2022 · recovered in 361 days
-20.0%
6 Aug 2015 – 30 Jun 2016
Trough 25 Feb 2016 · recovered in 126 days
-18.9%
15 Jan 2013 – 19 Nov 2013
Trough 21 Aug 2013 · recovered in 90 days
-18.3%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
78
Vs category
87
Consistency
58
Risk-adjusted
57
Drawdown
4
Mean
57
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
- Maximum drawdown exceeded 35%.
Supporting reads
- The fund beat the category median in 58% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 82 holdings · top 10 are 27.9%.
- Top 5
- 17.9%
- Top 10
- 27.9%
- Largest holding
- 5.6%
- Effective holdings
- 54.7
ICICI Bank Ltd
Financial
5.6%
HDFC Bank Ltd
Financial
3.9%
Kotak Mahindra Bank Ltd
Financial
3.5%
Repo
Unspecified
2.5%
Reliance Industries Ltd
Energy & Utilities
2.4%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
ITI Flexi Cap Fund
ITI Mutual Fund
- 1Y
- +6.0%
- 3Y
- +18.2%
- Vol
- 15.4%
- Max DD
- -21.4%
- Sharpe
- 0.98
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Bajaj Finserv Flexi Cap Fund
Bajaj Finserv Mutual Fund
- 1Y
- -0.5%
- 3Y
- +15.6%
- Vol
- 13.1%
- Max DD
- -17.5%
- Sharpe
- 0.68
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
BANK OF INDIA FLEXI CAP FUND
Bank of India Mutual Fund
- 1Y
- +3.1%
- 3Y
- +18.6%
- Vol
- 16.6%
- Max DD
- -23.7%
- Sharpe
- 1.09
- 3Y win
- +100%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
Nippon India Flexi Cap Fund
Nippon India Mutual Fund
- 1Y
- -7.9%
- 3Y
- +9.2%
- Vol
- 14.8%
- Max DD
- -19.8%
- Sharpe
- 0.35
- 3Y win
- +60%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Parag Parikh Flexi Cap Fund
PPFAS Mutual Fund
- 1Y
- -7.0%
- 3Y
- +12.5%
- Vol
- 11.9%
- Max DD
- -31.2%
- Sharpe
- 0.96
- 3Y win
- +88%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns