HealthyDirect · GrowthFit for a long SIP
Aditya Birla Sun Life Nifty SDL SEP 2027 Index Fund
Aditya Birla Sun Life Mutual FundOther Scheme - Index Funds3.6 years
- NAV
- 13.0139
- 29 Oct 2026
- 1Y
- +5.2%
- Trailing CAGR
- AUM
- ₹43.22 Cr
- 30 Sept 2026
- Volatility
- Low
- 0.9% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 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 56% of rolling 1-year windows.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Buy checklist
History depth
Watch
3.6 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
0.18% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -0.4%. Ask whether you can hold through a similar fall.
Vs category
Fail
27% 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 ≈ 98.1% 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 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
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+5.2%
- 3Y+7.5%
- 5Yn/a
- 10Yn/a
- SI+7.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+4.9%
- 3Y+6.6%
- 5Yn/a
- 10Yn/a
- Since inception
- +7.4%
- Calendar-day CAGR
- Excess 1Y
- +9.2%
- Category median, same plan and option
- 3Y win rate
- +27%
- Windows beating the median
- 3Y percentile
- 57
- Vs comparable share classes
- SIP 3Y XIRR
- +6.6%
- Simulated monthly SIP
- Worst rolling 3Y
- +7.2%
- 153 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
- -0.4%
- Worst peak-to-trough
- Current
- -0.0%
- Below last peak
- Current spell
- 16 days
- Days below latest peak
- Time below peak
- +40%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 3 days
- 136 recovered episodes
- Longest recovery
- 21 days
- Trough to prior peak
25 Sept 2023 – 31 Oct 2023
Trough 10 Oct 2023 · recovered in 21 days
-0.4%
27 Mar 2026 – 10 Apr 2026
Trough 2 Apr 2026 · recovered in 8 days
-0.3%
26 Jul 2023 – 21 Aug 2023
Trough 3 Aug 2023 · recovered in 18 days
-0.3%
13 Oct 2026 – open
Trough 16 Oct 2026 · not recovered
-0.2%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
57
Vs category
100
Consistency
42
Risk-adjusted
100
Drawdown
99
Mean
80
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 56% of rolling 1-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 · 13 holdings · top 10 are 98.1%.
- Top 5
- 77.0%
- Top 10
- 98.1%
- Largest holding
- 18.6%
- Effective holdings
- 7.2
Tamilnadu State 7.18 26/07/2027
Unspecified
18.6%
7.35% Madhya Pradesh Sdl 2027 13.09.2027
Unspecified
17.5%
GOVERNMENT OF INDIA 32015 GS19SEP2027 C STRIPS FV RS 100
Entities
16.5%
GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100
Entities
12.7%
STATE DEVELOPMENT LOAN 22202 TLG 25SP27 7.38 FV RS 100
Financial
11.7%
What changed
DECISION
Status moved from HEALTHY to MONITOR.
15 Sept 2026
DECISION
Status moved from HEALTHY to MONITOR.
8 Sept 2026
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
- Lower TER
Caveat: Lower 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
- 1.37
- 3Y win
- n/a
- Lower volatility
- Higher win rate vs category
- Lower TER
Caveat: Deeper drawdown · Lower trailing returns
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 · Higher TER
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%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
ICICI Prudential Nifty Auto Index Fund
ICICI Prudential Mutual Fund
- 1Y
- -4.2%
- 3Y
- +17.0%
- Vol
- 18.0%
- Max DD
- -28.3%
- Sharpe
- 0.78
- 3Y win
- +100%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER