HealthyDirect · GrowthFit for a long SIP
Aditya Birla Sun Life Special Opportunities Fund
Aditya Birla Sun Life Mutual FundEquity Scheme - Sectoral/ Thematic6 years
- NAV
- 29.79
- 29 Oct 2026
- 1Y
- +6.0%
- Trailing CAGR
- AUM
- ₹1,356.77 Cr
- 30 Sept 2026
- Volatility
- Medium
- 14.4% 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 57% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Pass
6.0 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
1.18% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -20.3%. Ask whether you can hold through a similar fall.
Vs category
Pass
57% 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 ≈ 35.6% 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 20%. 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+6.0%
- 3Y+18.8%
- 5Y+12.9%
- 10Yn/a
- SI+19.8%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+7.4%
- 3Y+11.8%
- 5Y+15.5%
- 10Yn/a
- Since inception
- +19.8%
- Calendar-day CAGR
- Excess 1Y
- +8.9%
- Category median, same plan and option
- 3Y win rate
- +57%
- Windows beating the median
- 3Y percentile
- 77
- Vs comparable share classes
- SIP 3Y XIRR
- +11.8%
- Simulated monthly SIP
- Worst rolling 3Y
- +11.4%
- 740 daily-ending windows
- Median rolling 3Y
- +19.9%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 250 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -20.3%
- Worst peak-to-trough
- Current
- -5.6%
- Below last peak
- Current spell
- 78 days
- Days below latest peak
- Time below peak
- +82%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 12 days
- 83 recovered episodes
- Longest recovery
- 378 days
- Trough to prior peak
18 Oct 2021 – 3 Jul 2023
Trough 20 Jun 2022 · recovered in 378 days
-20.3%
27 Sept 2024 – 12 Sept 2025
Trough 7 Apr 2025 · recovered in 158 days
-17.7%
2 Jan 2026 – 12 Jun 2026
Trough 30 Mar 2026 · recovered in 74 days
-13.3%
12 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-8.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
77
Vs category
100
Consistency
64
Risk-adjusted
72
Drawdown
49
Mean
72
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 57% 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 · 70 holdings · top 10 are 35.6%.
- Top 5
- 23.9%
- Top 10
- 35.6%
- Largest holding
- 7.5%
- Effective holdings
- 41.2
Aditya Infotech Ltd.
Technology
7.5%
Repo
Unspecified
6.7%
Bharti Airtel Ltd
Technology
3.7%
Meesho Ltd.
Consumer Discretionary
3.0%
Shriram Transport Finance Company Ltd
Financial
2.9%
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
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
ICICI PRUDENTIAL HOUSING OPPORTUNITIES FUND
ICICI Prudential Mutual Fund
- 1Y
- -9.1%
- 3Y
- +10.7%
- Vol
- 12.6%
- Max DD
- -16.7%
- Sharpe
- 0.55
- 3Y win
- +65%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
Nippon India Innovation Fund
Nippon India Mutual Fund
- 1Y
- -5.1%
- 3Y
- +13.1%
- Vol
- 14.3%
- Max DD
- -21.5%
- Sharpe
- 0.47
- 3Y win
- +100%
- Lower volatility
- Higher win rate vs category
- Lower TER
Caveat: Deeper drawdown · Lower trailing returns
Motilal Oswal Active Momentum Fund
Motilal Oswal Mutual Fund
- 1Y
- +15.9%
- 3Y
- n/a
- Vol
- 17.2%
- Max DD
- -16.6%
- Sharpe
- 1.01
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher volatility · Higher TER · 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