Aditya Birla Sun Life Medium Term Fund
Aditya Birla Sun Life Mutual Fund · Medium Duration · Regular plan, growth option
NAV (₹), 1 Oct 2026
43.7386
1-day change
-0.06%
1Y return
7.6%
3Y CAGR
9.7%
5Y CAGR
11.8%
Max drawdown, 5Y
−1.0%
NAV history month-end NAV, ₹ · 26 Mar 2009 to 1 Oct 2026
Returns vs Medium Duration median (13 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | 0.0% | -0.1% |
| 3 months | 0.5% | 0.4% |
| 6 months | 3.6% | 3.4% |
| Year to date | 6.1% | 3.8% |
| 1 year | 7.6% | 5.2% |
| 3 years (CAGR) | 9.7% | 7.1% |
| 5 years (CAGR) | 11.8% | 6.1% |
| 7 years (CAGR) | 9.2% | 6.6% |
| 10 years (CAGR) | 8.3% | 6.5% |
| Since first NAV (CAGR) | 8.8% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 9.4% | 7.6% |
| 3Y rolling median | 9.9% | 7.3% |
| 3Y rolling worst | 0.1% | 3.6% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 9.0% | 6.9% |
| 5Y rolling worst | 3.8% | 4.8% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 2.1% | 1.7% |
| Sharpe ratio | 1.50 | 0.33 |
| Sortino ratio | 3.75 | 0.50 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −13.0% | −5.6% |
| Maximum drawdown, last 10Y | −13.0% | −5.3% |
| Maximum drawdown, last 5Y | −1.0% | −1.8% |
| Current drawdown | −0.3% | −0.4% |
| Recovery time of worst fall | 295 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 1.55% a year and the Direct plan's 0.83%, a gap of 0.72%; over the last 3 years the Direct plan returned 0.80 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹17,15,935.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Sunaina Da Cunha | Comanage | 1 Sep 2014 |
| Mohit Sharma | Comanage | 6 Aug 2020 |
Objective: The investment objective of the Scheme is to generate regular income and capital appreciation by predominantly investing in a portfolio of debt securities with medium term maturity
Stated asset allocation: Under normal circumstances, the asset allocation pattern shall be as under: Debt Instruments - 0% to 100% Money Market Instruments - 0% to 90%
Benchmark (tier 1): CRISIL Medium Duration Debt A-III Index
Exit load: For redemption / switch-out of units on or before 1 year from the date of allotment: 1.00% of applicable NAV. For redemption / switch-out of units after 1 year: Nil
Minimum application: ₹1,000
Allotment date: 25 Mar 2009
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 1.55% | 1.32% |
| AUM, whole scheme (₹ crore) | 3,370 | 1,244 |
| Riskometer | Moderately High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 7.9% | 3.9% TRI |
| Return, 3 years (AMFI) | 9.7% | 6.6% TRI |
| Return, 5 years (AMFI) | 11.8% | 5.5% TRI |
| Month-ends above category median (3Y CAGR) | 65% | 42% median |
| Month-ends in category top quartile (3Y) | 53% | 15% median |
| 7Y rolling CAGR, median (monthly windows) | 8.2% | 7.4% median |
Official benchmark: CRISIL Medium Duration Debt A-III Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Medium Duration Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 6.1% | n/a | – |
| 2025 | 10.9% | n/a | – |
| 2024 | 10.5% | n/a | – |
| 2023 | 6.9% | n/a | – |
| 2022 | 24.8% | n/a | – |
| 2021 | 7.1% | n/a | – |
| 2020 | 8.1% | n/a | – |
| 2019 | -4.4% | n/a | – |
| 2018 | 5.6% | n/a | – |
| 2017 | 7.0% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,24,401 | 6.9% |
| 3 years | ₹3,60,000 | ₹4,14,266 | 9.3% |
| 5 years | ₹6,00,000 | ₹7,76,825 | 10.3% |
| 10 years | ₹12,00,000 | ₹19,59,951 | 9.5% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
Category: Medium Duration
Plan / option: Regular · Growth
AMFI scheme code: 111803
ISIN: INF209K01603
First NAV in MFIC data: 26 Mar 2009
History: 17.5 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Nippon India Nifty SDL Plus G-Sec - Jun 2029 Maturity 70:30 Index Fund | Debt Index Fund | 0.67 | 7.2% |
| BANDHAN CRISIL IBX 90:10 SDL PLUS GILT - APRIL 2032 INDEX FUND | Debt Index Fund | 0.65 | 6.9% |
| Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund | Debt Index Fund | 0.65 | 6.6% |
| Aditya Birla Sun Life CRISIL IBX SDL Jun 2032 Index Fund | Debt Index Fund | 0.64 | 6.6% |
| Aditya Birla Sun Life Dynamic Term Fund | Dynamic Bond | 0.64 | 7.0% |
| Kotak Nifty SDL Plus AAA PSU Bond Jul 2028 60 - 40 Index Fund | Debt Index Fund | 0.63 | 7.2% |
Questions about Aditya Birla Sun Life Medium Term Fund
- What is the latest NAV of Aditya Birla Sun Life Medium Term Fund?
- The NAV of the Regular plan (growth option) was ₹43.7386 on 1 Oct 2026, as published by AMFI.
- Which category is Aditya Birla Sun Life Medium Term Fund in?
- It is classified as Medium Duration in AMFI's daily NAV file. MFIC compares it with 13 Medium Duration schemes (Regular plans).
- What returns has Aditya Birla Sun Life Medium Term Fund delivered?
- Over one year the NAV changed by 7.6%. The 3-year CAGR is 9.7% (category median 7.1%) and the 5-year CAGR is 11.8% (category median 6.1%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 9.9%, the lowest was 0.1%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in Aditya Birla Sun Life Medium Term Fund's NAV?
- The largest peak-to-trough fall in its available history was 13.0%; within the last five years it was 1.0% (category median 1.8%).
- How volatile is Aditya Birla Sun Life Medium Term Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 2.1%, which is above the Medium Duration category median of 1.7%.
- What would a monthly SIP in Aditya Birla Sun Life Medium Term Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,76,825 on 1 Oct 2026, an annualised return (XIRR) of 10.3%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of Aditya Birla Sun Life Medium Term Fund?
- The total expense ratio of the Regular plan is 1.55% a year, as disclosed to AMFI (median of Medium Duration Regular plans: 1.32%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is Aditya Birla Sun Life Medium Term Fund?
- Assets under management of the whole scheme were ₹3,370 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Aditya Birla Sun Life Medium Term Fund?
- AMFI lists the scheme's riskometer as “Moderately High”, and its benchmark's as “Moderate”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of Aditya Birla Sun Life Medium Term Fund and how has it compared?
- Its official benchmark is the CRISIL Medium Duration Debt A-III Index. Over 3 years AMFI reports a return of 9.7% for this plan against 6.6% for the benchmark total return index; over 5 years 11.8% against 5.5%. Past performance does not indicate future results.
- How often has Aditya Birla Sun Life Medium Term Fund beaten its category?
- At 65% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Medium Duration schemes (Regular plans); it was in the top quarter at 53% of them. A typical scheme would show about 50%.
- Who manages Aditya Birla Sun Life Medium Term Fund?
- According to its Scheme Summary Document, Aditya Birla Sun Life Medium Term Fund is managed by Sunaina Da Cunha (since 1 Sep 2014), Mohit Sharma (since 6 Aug 2020).
- What is the exit load of Aditya Birla Sun Life Medium Term Fund?
- As stated in its scheme documents: For redemption / switch-out of units on or before 1 year from the date of allotment: 1.00% of applicable NAV. For redemption / switch-out of units after 1 year: Nil Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in Aditya Birla Sun Life Medium Term Fund?
- The minimum application amount is ₹1,000.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 8.4% and the Regular plan's by 7.6%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
Integrato's team can walk you through how your current schemes have behaved, using the same data shown here. Integrato is an AMFI-registered Mutual Fund Distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.