ReviewDirect · GrowthPrefer peers first
Aditya Birla Sun Life Gilt Fund
Aditya Birla Sun Life Mutual FundIncome/Debt Oriented Schemes - Gilt Fund13.8 years
- NAV
- 87.3947
- 30 Oct 2026
- 1Y
- +0.9%
- Trailing CAGR
- AUM
- ₹1,175.01 Cr
- 30 Sept 2026
- Volatility
- Low
- 4.3% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 Oct 2026
Stance
Prefer peers first
The live read flags issues. Inspect same-category alternatives before buying.
In three lines
Watch if · Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
Watch if · Three-year return sits below the 25th percentile of comparable share classes.
Prefer peers if · Prefer Edelweiss Gilt 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
Fail
The live read flags issues. Inspect same-category alternatives before buying.
Expense ratio
Pass
0.50% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -10.8%. Ask whether you can hold through a similar fall.
Vs category
Pass
84% 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 ≈ 84.1% 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
Review does not mean stop the SIP tomorrow - compare peers first. Stopping on a red label often locks in the worst path.
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+0.9%
- 3Y+5.4%
- 5Y+4.9%
- 10Y+6.7%
- SI+8.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+0.7%
- 3Y+2.8%
- 5Y+4.5%
- 10Y+5.9%
- Since inception
- +8.0%
- Calendar-day CAGR
- Excess 1Y
- -0.9%
- Category median, same plan and option
- 3Y win rate
- +84%
- Windows beating the median
- 3Y percentile
- 10
- Vs comparable share classes
- SIP 3Y XIRR
- +2.8%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.2%
- 2621 daily-ending windows
- Median rolling 3Y
- +8.6%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2138 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -10.8%
- Worst peak-to-trough
- Current
- -2.7%
- Below last peak
- Current spell
- 77 days
- Days below latest peak
- Time below peak
- +79%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 10 days
- 227 recovered episodes
- Longest recovery
- 288 days
- Trough to prior peak
28 May 2013 – 3 Jun 2014
Trough 19 Aug 2013 · recovered in 288 days
-10.8%
24 Nov 2016 – 7 Jun 2017
Trough 9 Feb 2017 · recovered in 118 days
-5.9%
28 May 2025 – 25 Jun 2026
Trough 2 Apr 2026 · recovered in 84 days
-5.4%
6 Sept 2017 – 5 Apr 2018
Trough 22 Feb 2018 · recovered in 42 days
-3.9%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
10
Vs category
44
Consistency
79
Risk-adjusted
51
Drawdown
73
Mean
51
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Review
Buying stance
Prefer peers first
The live read flags issues. Inspect same-category alternatives before buying.
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 84% of rolling 3-year windows.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 19 holdings · top 10 are 84.1%.
- Top 5
- 63.5%
- Top 10
- 84.1%
- Largest holding
- 22.9%
- Effective holdings
- 8.5
GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100
Entities
22.9%
Repo
Unspecified
17.8%
GOVERNMENT OF INDIA 33071 GOI 19JU53 7.3 FV RS 100
Entities
12.3%
GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100
Entities
5.6%
7.09% GOI 25-Nov-74
Entities
4.9%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
30 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
29 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
28 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
27 Oct 2026
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
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Edelweiss Gilt Fund
Edelweiss Mutual Fund
- 1Y
- +0.9%
- 3Y
- +5.8%
- Vol
- 3.1%
- Max DD
- -3.3%
- Sharpe
- 0.28
- 3Y win
- +88%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
BARODA BNP PARIBAS GILT FUND
Baroda BNP Paribas Mutual Fund
- 1Y
- +2.1%
- 3Y
- +6.4%
- Vol
- 3.6%
- Max DD
- -6.7%
- Sharpe
- 0.42
- 3Y win
- +32%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
Canara Robeco Gilt Fund
Canara Robeco Mutual Fund
- 1Y
- +1.8%
- 3Y
- +5.8%
- Vol
- 3.9%
- Max DD
- -7.8%
- Sharpe
- 0.43
- 3Y win
- +38%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
Tata Gilt Fund
Tata Mutual Fund
- 1Y
- +1.3%
- 3Y
- +6.2%
- Vol
- 4.1%
- Max DD
- -10.4%
- Sharpe
- 0.41
- 3Y win
- +47%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
UTI - Gilt Fund
UTI Mutual Fund
- 1Y
- +3.1%
- 3Y
- +6.3%
- Vol
- 3.8%
- Max DD
- -8.1%
- Sharpe
- 0.52
- 3Y win
- +66%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns