MonitorDirect · GrowthWatch before adding
Aditya Birla Sun Life PSU Equity Fund
Aditya Birla Sun Life Mutual FundEquity Scheme - Sectoral/ Thematic6.8 years
The scheme seeks to provides long term capital appreciation by investing in equity and equity related instruments of Public Sector Undertakings (PSUs).
- NAV
- 37.78
- 29 Oct 2026
- 1Y
- -0.1%
- Trailing CAGR
- AUM
- ₹5,774.54 Cr
- 30 Sept 2026
- Volatility
- High
- 21.3% 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
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · The fund beat the category median in 100% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Prefer peers if · Prefer Kotak Business Cycle Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
6.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.76% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -33.8%. Ask whether you can hold through a similar fall.
Vs category
Pass
100% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Dhaval Gala · 4.1 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
Watch
Top 10 holdings ≈ 62.5% 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 34%. 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-0.1%
- 3Y+18.8%
- 5Y+21.3%
- 10Yn/a
- SI+21.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-5.6%
- 3Y+4.5%
- 5Y+17.7%
- 10Yn/a
- Since inception
- +21.4%
- Calendar-day CAGR
- Excess 1Y
- +2.7%
- Category median, same plan and option
- 3Y win rate
- +100%
- Windows beating the median
- 3Y percentile
- 77
- Vs comparable share classes
- SIP 3Y XIRR
- +4.5%
- Simulated monthly SIP
- Worst rolling 3Y
- +16.9%
- 942 daily-ending windows
- Median rolling 3Y
- +32.6%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 453 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -33.8%
- Worst peak-to-trough
- Current
- -9.9%
- Below last peak
- Current spell
- 245 days
- Days below latest peak
- Time below peak
- +88%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 20 days
- 63 recovered episodes
- Longest recovery
- 347 days
- Trough to prior peak
15 Jan 2020 – 14 Dec 2020
Trough 24 Mar 2020 · recovered in 265 days
-33.8%
1 Aug 2024 – 10 Feb 2026
Trough 28 Feb 2025 · recovered in 347 days
-26.8%
21 Apr 2022 – 6 Sept 2022
Trough 20 Jun 2022 · recovered in 78 days
-18.4%
3 Jun 2024 – 15 Jul 2024
Trough 4 Jun 2024 · recovered in 41 days
-14.6%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
77
Vs category
67
Consistency
86
Risk-adjusted
63
Drawdown
16
Mean
62
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
No status reasons yet. History is still thin.
Supporting reads
- The fund beat the category median in 100% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 35 holdings · top 10 are 62.5%.
- Top 5
- 42.2%
- Top 10
- 62.5%
- Largest holding
- 17.0%
- Effective holdings
- 16.2
State Bank of India
Financial
17.0%
NTPC Ltd
Energy & Utilities
7.4%
Bharat Heavy Electricals Ltd
Industrials
6.7%
Power Grid Corporation of India Ltd
Energy & Utilities
6.4%
Bharat Electronics Ltd
Industrials
4.8%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Kotak Business Cycle Fund
Kotak Mahindra Mutual Fund
- 1Y
- +0.3%
- 3Y
- +16.1%
- Vol
- 12.7%
- Max DD
- -18.4%
- Sharpe
- 0.72
- 3Y win
- +98%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Tata Digital India Fund
Tata Mutual Fund
- 1Y
- -11.7%
- 3Y
- +6.9%
- Vol
- 18.7%
- Max DD
- -33.3%
- Sharpe
- 0.58
- 3Y win
- +65%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Aditya Birla Sun Life Business Cycle Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +0.1%
- 3Y
- +13.1%
- Vol
- 13.9%
- Max DD
- -17.8%
- Sharpe
- 0.39
- 3Y win
- +13%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
Aditya Birla Sun Life Commodity Equities Fund - Global Agri Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- -2.5%
- 3Y
- +20.3%
- Vol
- 16.8%
- Max DD
- -42.2%
- Sharpe
- 0.16
- 3Y win
- n/a
- Lower volatility
- Higher trailing returns
Caveat: Deeper drawdown
Aditya Birla Sun Life Transportation and Logistics Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +8.5%
- 3Y
- n/a
- Vol
- 18.1%
- Max DD
- -28.2%
- Sharpe
- 0.78
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns