HealthyDirect · GrowthFit for a long SIP
Aditya Birla Sun Life Nifty SDL Apr 2027 Index Fund
Aditya Birla Sun Life Mutual FundOther Scheme - Index Funds4.8 years
- NAV
- 13.4206
- 30 Oct 2026
- 1Y
- +5.6%
- Trailing CAGR
- AUM
- ₹3,285.58 Cr
- 31 Aug 2026
- Volatility
- Low
- 1.4% 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 · Peak-to-trough drawdown has stayed shallower than 15%.
Buy checklist
History depth
Watch
4.8 years - usable, still building a track record.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.21% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -3.5%. Ask whether you can hold through a similar fall.
Vs category
Fail
1% 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 ≈ 36.0% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
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 3%. 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
If you start a SIP here, diary a 90-day check and an annual review - don’t react to every NAV print.
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+5.6%
- 3Y+7.4%
- 5Yn/a
- 10Yn/a
- SI+6.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+5.5%
- 3Y+6.7%
- 5Yn/a
- 10Yn/a
- Since inception
- +6.4%
- Calendar-day CAGR
- Excess 1Y
- +9.2%
- Category median, same plan and option
- 3Y win rate
- +1%
- Windows beating the median
- 3Y percentile
- 53
- Vs comparable share classes
- SIP 3Y XIRR
- +6.7%
- Simulated monthly SIP
- Worst rolling 3Y
- +6.1%
- 423 daily-ending windows
- Median rolling 3Y
- +7.5%
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -3.5%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +39%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 4 days
- 132 recovered episodes
- Longest recovery
- 123 days
- Trough to prior peak
5 Apr 2022 – 6 Sept 2022
Trough 6 May 2022 · recovered in 123 days
-3.5%
13 Sept 2022 – 11 Nov 2022
Trough 26 Sept 2022 · recovered in 46 days
-1.3%
31 Jan 2022 – 10 Feb 2022
Trough 3 Feb 2022 · recovered in 7 days
-0.6%
28 Feb 2022 – 29 Mar 2022
Trough 9 Mar 2022 · recovered in 20 days
-0.5%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
53
Vs category
100
Consistency
20
Risk-adjusted
43
Drawdown
91
Mean
61
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
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
31 Aug 2026 · 77 holdings · top 10 are 36.0%.
- Top 5
- 22.2%
- Top 10
- 36.0%
- Largest holding
- 5.3%
- Effective holdings
- 41.2
Karnataka State SDL 7.59 29/03/2027
Unspecified
5.3%
Karnataka State SDL 7.37 09/11/2026
Unspecified
4.9%
Tamilnadu State SDL 7.62 29/03/2027
Unspecified
4.6%
Repo
Unspecified
4.6%
Telangana State SDL 7.40 09/11/2026
Financial
4.4%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
DSP Nifty SDL Plus G-Sec Sep 2027 50:50 Index Fund
DSP Mutual Fund
- 1Y
- +5.1%
- 3Y
- +7.5%
- Vol
- 0.9%
- Max DD
- -0.3%
- Sharpe
- 1.54
- 3Y win
- +6%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Nippon India Nifty SDL Plus G-Sec - Jun 2028 Maturity 70:30 Index Fund
Nippon India Mutual Fund
- 1Y
- +4.7%
- 3Y
- +7.5%
- Vol
- 1.1%
- Max DD
- -0.7%
- Sharpe
- 1.21
- 3Y win
- +16%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Edelweiss CRISIL IBX AAA Financial Services Bond - Jan 2028 Index Fund
Edelweiss Mutual Fund
- 1Y
- +5.4%
- 3Y
- n/a
- Vol
- 0.9%
- Max DD
- -0.5%
- Sharpe
- 1.36
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Kotak CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
Kotak Mahindra Mutual Fund
- 1Y
- +6.5%
- 3Y
- n/a
- Vol
- 0.4%
- Max DD
- -0.2%
- Sharpe
- 2.28
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
BANDHAN NIFTY 100 INDEX FUND
Bandhan Mutual Fund
- 1Y
- -8.3%
- 3Y
- +9.0%
- Vol
- 13.5%
- Max DD
- -17.3%
- Sharpe
- 0.26
- 3Y win
- +50%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown