HealthyDirect · GrowthFit for a long SIP
Aditya Birla Sun Life Medium Term Fund
Aditya Birla Sun Life Mutual FundIncome/Debt Oriented Schemes - Medium Term Fund13.8 years
The Scheme seeks to generate regular income and capital appreciation by predominantly investing in a portfolio of debt securities with medium term maturity.
- NAV
- 47.8974
- 30 Oct 2026
- 1Y
- +7.5%
- Trailing CAGR
- AUM
- ₹3,318.97 Cr
- 31 Aug 2026
- Volatility
- Low
- 5.6% 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
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 67% 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
0.83% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -12.6%. Ask whether you can hold through a similar fall.
Vs category
Pass
67% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Mohit Sharma · 6.2 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 ≈ 42.2% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
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+7.5%
- 3Y+10.4%
- 5Y+12.5%
- 10Y+8.9%
- SI+9.6%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+6.0%
- 3Y+9.5%
- 5Y+10.6%
- 10Y+10.1%
- Since inception
- +9.6%
- Calendar-day CAGR
- Excess 1Y
- +2.6%
- Category median, same plan and option
- 3Y win rate
- +67%
- Windows beating the median
- 3Y percentile
- 100
- Vs comparable share classes
- SIP 3Y XIRR
- +9.5%
- Simulated monthly SIP
- Worst rolling 3Y
- +0.9%
- 2621 daily-ending windows
- Median rolling 3Y
- +10.4%
- 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
- -12.6%
- Worst peak-to-trough
- Current
- -0.4%
- Below last peak
- Current spell
- 51 days
- Days below latest peak
- Time below peak
- +52%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 5 days
- 329 recovered episodes
- Longest recovery
- 239 days
- Trough to prior peak
19 Sept 2019 – 24 Dec 2020
Trough 29 Apr 2020 · recovered in 239 days
-12.6%
15 Jul 2013 – 18 Sept 2013
Trough 19 Aug 2013 · recovered in 30 days
-2.1%
15 Jan 2019 – 2 Apr 2019
Trough 12 Feb 2019 · recovered in 49 days
-1.7%
7 Feb 2017 – 30 Mar 2017
Trough 9 Feb 2017 · recovered in 49 days
-1.3%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
66
Consistency
70
Risk-adjusted
59
Drawdown
68
Mean
73
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 67% 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
31 Aug 2026 · 76 holdings · top 10 are 42.2%.
- Top 5
- 28.1%
- Top 10
- 42.2%
- Largest holding
- 12.9%
- Effective holdings
- 28.9
GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
12.9%
BAJAJ HOUSING FINANCE LIMITED 8.25 NCD 27MY31 FVRS1LAC
Financial
4.5%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 26C 7.27 BD 23FB29 FVRS1LAC
Financial
3.7%
Repo
Unspecified
3.5%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 26A 6.66 BD 12OT28 FVRS1LAC
Financial
3.4%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Axis Medium Term Fund
Axis Mutual Fund
- 1Y
- +5.3%
- 3Y
- +8.1%
- Vol
- 2.5%
- Max DD
- -7.3%
- Sharpe
- 1.03
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
HSBC Medium Term Fund
HSBC Mutual Fund
- 1Y
- +4.3%
- 3Y
- +7.5%
- Vol
- 1.2%
- Max DD
- -1.0%
- Sharpe
- 1.25
- 3Y win
- +87%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
ICICI Prudential Medium Term Fund
ICICI Prudential Mutual Fund
- 1Y
- +5.6%
- 3Y
- +8.1%
- Vol
- 1.9%
- Max DD
- -5.1%
- Sharpe
- 1.29
- 3Y win
- +80%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
SBI MEDIUM TERM FUND
SBI Mutual Fund
- 1Y
- +5.1%
- 3Y
- +7.4%
- Vol
- 2.5%
- Max DD
- -7.5%
- Sharpe
- 1.08
- 3Y win
- +82%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Bandhan Medium Term Fund
Bandhan Mutual Fund
- 1Y
- +5.2%
- 3Y
- +7.5%
- Vol
- 2.0%
- Max DD
- -3.6%
- Sharpe
- 0.83
- 3Y win
- +29%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns