Aditya Birla Sun Life Value Fund
Direct · GrowthAI Summary
Aditya Birla Sun Life Value Fund has delivered strong SIP XIRR of 18.47% over 3Y and 16.59% over 5Y, beating the category averages of 16.98% and 17.02% respectively, though 7Y (13.86%) and 10Y (15.3%) XIRR trail category peers. Against the NIFTY50 Value 20 benchmark, the fund shows consistent alpha over 1Y to 7Y horizons (15.07% to 5.51%), with alpha fading to near zero over 10Y. The 1Y benchmark comparison is striking, with the fund CAGR at 0.87% versus a benchmark decline of -13.76%, demonstrating strong downside resilience.
The fund's maximum drawdown of just -0.57% with a 798-day duration and 477-day recovery suggests a shallow but prolonged drawdown profile, with 9 drawdown events exceeding 10% indicating periodic volatility. Downside capture is consistently below 100% across all horizons (82.1% to 93.58%), confirming the fund falls less than its benchmark in weak markets. Calmar ratios of 0.23 to 0.38 across horizons indicate moderate risk-adjusted efficiency, with the 1Y Calmar of 0.3845 being the strongest.
The portfolio is well diversified across 65 holdings, with the top 10 positions totaling roughly 32% of NAV and no single stock above 3.85%. Banks dominate at 14.2% of the portfolio, followed by IT-Software (9.3%) and Auto Components (7.7%), with financials (Banks plus Finance) collectively near 21%. Core holdings include Shriram Finance, SBI, HDFC Bank, ICICI Bank, and Axis Bank, giving the fund a meaningful financial sector tilt balanced by exposure to Reliance, Infosys, and Apollo Hospitals.
The fund outperforms the category average SIP XIRR over 1Y (16.96% vs 11.64%) and 3Y (18.47% vs 16.98%), but lags over 5Y, 7Y, 10Y, and 12Y, suggesting recent strength within a mixed longer-term record. Calendar year returns show high dispersion, ranging from 97.64% in 2014 to -22.25% in 2018, reflecting value-style cyclicality. Recent years show softer absolute returns (2.54% in 2025, -2.81% in 2026) after the exceptional 2023 gain of 43.38%.
This fund suits value-oriented investors with a long-term horizon of 7 to 10 years who can tolerate multi-year stretches of underperformance, as seen in the 798-day drawdown duration and negative calendar years in 2018, 2019, and 2026. Its below-benchmark downside capture makes it relatively defensive within equity, appealing to investors seeking steadier compounding rather than maximum upside. It is appropriate as a core or diversifying holding for moderate-to-high risk tolerance investors comfortable with a financials-heavy value portfolio.
- Consistent alpha versus the NIFTY50 Value 20 benchmark across 1Y to 7Y horizons, with alpha of 15.07% over 1Y and 8.82% over 3Y
- Superior downside protection, with downside capture of 82.1% to 93.58% across all measured horizons, including 1Y fund CAGR of 0.87% versus benchmark -13.76%
- Strong recent SIP XIRR of 18.47% over 3Y and 16.96% over 1Y, both ahead of category averages of 16.98% and 11.64%
- Long-term SIP XIRR lags the category, with 5Y at 16.59% vs 17.02%, 7Y at 13.86% vs 15.99%, and 10Y at 15.3% vs 16.49%
- High return dispersion across calendar years, from 97.64% in 2014 to -22.25% in 2018, plus a 798-day maximum drawdown duration indicating prolonged recovery periods
Generated on 26-10-2026, 2:15 AM. Verify before investing.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.84 L | 23.8% | -63.6% | 207.4% |
| 3 Years | ₹36.00 L | ₹47.42 L | 16.3% | -34.5% | 38.2% |
| 5 Years | ₹60.00 L | ₹85.49 L | 14.4% | -17.4% | 36.1% |
| 7 Years | ₹84.00 L | ₹1.36 Cr | 13.8% | -4.7% | 24.0% |
| 10 Years | ₹1.20 Cr | ₹2.62 Cr | 15.3% | 11.4% | 19.0% |
| 12 Years | ₹1.44 Cr | ₹3.72 Cr | 15.1% | 12.4% | 18.6% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY50 VALUE 20 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 23.8% | 14.9% | 11.6% | +8.9% |
| 3 Years | 16.3% | 12.9% | 16.9% | +3.4% |
| 5 Years | 14.4% | 13.5% | 17.0% | +0.9% |
| 7 Years | 13.8% | 13.3% | 16.0% | +0.5% |
| 10 Years | 15.3% | 13.6% | 16.5% | +1.7% |
| 12 Years | 15.1% | 14.1% | 16.1% | +1.0% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 22.1% | 13.8% | -41.9% | 124.3% | 0.48 | 1.52 | 76% | — | — |
| 3 Years | 17.0% | 18.8% | -15.2% | 45.9% | 0.85 | 2.18 | 88% | — | — |
| 5 Years | 14.7% | 13.0% | -3.5% | 32.9% | 0.92 | 5.12 | 99% | — | — |
| 10 Years | 15.6% | 14.7% | 11.1% | 20.9% | 3.45 | — | 100% | — | — |
Calmar Ratio by Duration
Compared against NIFTY50 VALUE 20
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +13.81 | 1.01 | 103.8% | 84.8% | 1.0% | -12.7% |
| 3 Years | +8.52 | 1.02 | 103.0% | 92.0% | 12.5% | 4.0% |
| 5 Years | +7.14 | 0.99 | 99.8% | 90.8% | 12.1% | 5.0% |
| 7 Years | +5.85 | 0.91 | 93.4% | 86.3% | 16.4% | 10.9% |
| 10 Years | -0.02 | 0.89 | 89.4% | 87.7% | 11.3% | 11.9% |
| 12 Years | +3.42 | 0.88 | 88.7% | 83.4% | 12.6% | 9.5% |
| 15 Years | +5.03 | 0.87 | 89.2% | 81.9% | 14.7% | 10.2% |
| # | Stock | % of NAV |
|---|---|---|
| 1 | Shriram Finance Ltd | 3.85% |
| 2 | State Bank of India | 3.53% |
| 3 | HDFC Bank Limited | 3.34% |
| 4 | ICICI Bank Limited | 3.34% |
| 5 | Axis Bank Limited | 3.25% |
| 6 | WELSPUN CORP LIMITED | 3.23% |
| 7 | Minda Corporation Limited | 3.15% |
| 8 | Reliance Industries Limited | 3.12% |
| 9 | Infosys Limited | 2.91% |
| 10 | Apollo Hospitals Enterprise Limited | 2.68% |