MonitorPlan n/a · Option n/aWatch before adding
Aditya Birla Sun Life Nifty SDL SEP 2025 Index Fund
Aditya Birla Sun Life Mutual FundOther Scheme - Index Funds4.1 years
- NAV
- 12.2949
- 30 Sept 2025
- 1Y
- +6.3%
- Trailing CAGR
- AUM
- ₹24.23 Cr
- 30 Sept 2025
- Volatility
- Low
- 0.6% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 Sept 2025
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer Kotak CRISIL-IBX Financial Services 3-6 Months Debt Index Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Watch
4.1 years - usable, still building a track record.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
n/a
TER not on file yet.
Drawdown vs peers
Pass
Peak-to-trough -0.2%. Ask whether you can hold through a similar fall.
Vs category
Fail
0% 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 ≈ 100.0% 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 0%. 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+6.3%
- 3Y+7.1%
- 5Yn/a
- 10Yn/a
- SI+7.1%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+6.0%
- 3Y+6.9%
- 5Yn/a
- 10Yn/a
- Since inception
- +7.1%
- Calendar-day CAGR
- Excess 1Y
- +12.7%
- Category median, same plan and option
- 3Y win rate
- 0%
- Windows beating the median
- 3Y percentile
- 14
- Vs comparable share classes
- SIP 3Y XIRR
- +6.9%
- Simulated monthly SIP
- Worst rolling 3Y
- +7.1%
- 2 daily-ending windows
- Median rolling 3Y
- +7.1%
- 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
- -0.2%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +17%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 3 days
- 63 recovered episodes
- Longest recovery
- 11 days
- Trough to prior peak
6 Oct 2022 – 18 Oct 2022
Trough 10 Oct 2022 · recovered in 8 days
-0.2%
7 Feb 2023 – 20 Feb 2023
Trough 10 Feb 2023 · recovered in 10 days
-0.2%
14 Dec 2022 – 22 Dec 2022
Trough 20 Dec 2022 · recovered in 2 days
-0.1%
20 Feb 2023 – 10 Mar 2023
Trough 27 Feb 2023 · recovered in 11 days
-0.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
14
Vs category
100
Consistency
13
Risk-adjusted
100
Drawdown
100
Mean
65
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
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2025 · 2 holdings · top 10 are 100.0%.
- Top 5
- 100.0%
- Top 10
- 100.0%
- Largest holding
- 98.1%
- Effective holdings
- 1.0
Reverse Repo
Unspecified
98.1%
Net Receivables
Unspecified
1.9%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
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
- 2.30
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns
Aditya Birla Sun Life Nifty SDL Apr 2027 Index Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +5.6%
- 3Y
- +7.4%
- Vol
- 1.4%
- Max DD
- -3.5%
- Sharpe
- 0.36
- 3Y win
- +0%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Axis CRISIL IBX 50:50 Gilt Plus SDL June 2028 Index Fund
Axis Mutual Fund
- 1Y
- +4.6%
- 3Y
- +7.4%
- Vol
- 1.2%
- Max DD
- -0.8%
- Sharpe
- 1.09
- 3Y win
- +1%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
BANDHAN NIFTY 100 INDEX FUND
Bandhan Mutual Fund
- 1Y
- -9.7%
- 3Y
- +8.9%
- Vol
- 13.5%
- Max DD
- -17.3%
- Sharpe
- 0.26
- 3Y win
- +51%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
DSP Nifty SDL Plus G-Sec Sep 2027 50:50 Index Fund
DSP Mutual Fund
- 1Y
- +5.1%
- 3Y
- +7.4%
- Vol
- 0.9%
- Max DD
- -0.3%
- Sharpe
- 1.56
- 3Y win
- +6%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown