ReviewDirect · GrowthPrefer peers first
Aditya Birla Sun Life Medium to Long Term Fund
Aditya Birla Sun Life Mutual FundIncome/Debt Oriented Schemes - Medium to Long Term Fund13.8 years
- NAV
- 138.5308
- 26 Oct 2026
- 1Y
- +1.3%
- Trailing CAGR
- AUM
- ₹1,770.21 Cr
- 31 Aug 2026
- Volatility
- Low
- 3.7% 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
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 ICICI Prudential Medium to Long 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
Fail
The live read flags issues. Inspect same-category alternatives before buying.
Expense ratio
Pass
0.69% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -10.3%. Ask whether you can hold through a similar fall.
Vs category
Pass
65% 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
Pass
Top 10 holdings ≈ 42.7% 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+1.3%
- 3Y+5.9%
- 5Y+5.2%
- 10Y+6.4%
- SI+7.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+0.7%
- 3Y+3.9%
- 5Y+5.0%
- 10Y+6.1%
- Since inception
- +7.4%
- Calendar-day CAGR
- Excess 1Y
- -1.0%
- Category median, same plan and option
- 3Y win rate
- +65%
- Windows beating the median
- 3Y percentile
- 0
- Vs comparable share classes
- SIP 3Y XIRR
- +3.9%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.3%
- 2603 daily-ending windows
- Median rolling 3Y
- +7.4%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2120 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -10.3%
- Worst peak-to-trough
- Current
- -2.4%
- Below last peak
- Current spell
- 73 days
- Days below latest peak
- Time below peak
- +76%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 10 days
- 233 recovered episodes
- Longest recovery
- 291 days
- Trough to prior peak
27 May 2013 – 6 Jun 2014
Trough 19 Aug 2013 · recovered in 291 days
-10.3%
24 Nov 2016 – 21 Jun 2017
Trough 10 Mar 2017 · recovered in 103 days
-6.2%
9 Mar 2020 – 21 Apr 2020
Trough 23 Mar 2020 · recovered in 29 days
-4.5%
21 Oct 2015 – 16 Mar 2016
Trough 25 Feb 2016 · recovered in 20 days
-3.5%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
0
Vs category
44
Consistency
56
Risk-adjusted
49
Drawdown
74
Mean
45
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 65% of rolling 3-year windows.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
31 Aug 2026 · 67 holdings · top 10 are 42.7%.
- Top 5
- 28.9%
- Top 10
- 42.7%
- Largest holding
- 13.4%
- Effective holdings
- 27.2
GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100
Entities
13.4%
7.71% GOI 18-May-2066
Entities
5.4%
TATA CAPITAL HOUSING FINANCE LIMITED SR C 7.17 NCD 21MY30 FVRS1LAC
Financial
4.1%
STATE DEVELOPMENT LOAN 34153 KAR 27MR33 7.44 FV RS 100
Unspecified
3.1%
TATA CAPITAL HOUSING FINANCE LIMITED SR D 7.7120 NCD 14JN28 FVRS1LAC
Financial
2.8%
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.
ICICI Prudential Medium to Long Term Fund
ICICI Prudential Mutual Fund
- 1Y
- +2.1%
- 3Y
- +6.6%
- Vol
- 3.1%
- Max DD
- -10.2%
- Sharpe
- 0.67
- 3Y win
- +89%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Nippon India Medium to Long Term Fund
Nippon India Mutual Fund
- 1Y
- +2.5%
- 3Y
- +6.5%
- Vol
- 3.6%
- Max DD
- -9.9%
- Sharpe
- 0.56
- 3Y win
- +86%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Kotak Medium to Long Term Fund
Kotak Mahindra Mutual Fund
- 1Y
- +2.5%
- 3Y
- +6.8%
- Vol
- 3.6%
- Max DD
- -9.9%
- Sharpe
- 0.51
- 3Y win
- +66%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
SBI MEDIUM TO LONG TERM FUND
SBI Mutual Fund
- 1Y
- +2.8%
- 3Y
- +6.5%
- Vol
- 3.0%
- Max DD
- -8.5%
- Sharpe
- 0.70
- 3Y win
- +88%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Franklin India Medium to Long Term Fund
Franklin Templeton Mutual Fund
- 1Y
- +3.0%
- 3Y
- n/a
- Vol
- 1.9%
- Max DD
- -1.7%
- Sharpe
- -0.06
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns