ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA
Aditya Birla Sun Life Mutual Fund · Children's · Direct plan, growth option
NAV (₹), 1 Oct 2026
22.3900
1-day change
-1.19%
1Y return
1.9%
3Y CAGR
9.5%
5Y CAGR
8.9%
Max drawdown, 5Y
−18.9%
NAV history month-end NAV, ₹ · 12 Feb 2019 to 1 Oct 2026
Returns vs Children's median (13 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -6.3% | -4.7% |
| 3 months | -2.7% | -2.6% |
| 6 months | 10.0% | 5.2% |
| Year to date | -3.2% | -4.2% |
| 1 year | 1.9% | -1.6% |
| 3 years (CAGR) | 9.5% | 8.0% |
| 5 years (CAGR) | 8.9% | 7.5% |
| 7 years (CAGR) | 11.9% | 11.8% |
| 10 years (CAGR) | n/a | 10.4% |
| Since first NAV (CAGR) | 11.1% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 9.9% | 10.2% |
| 3Y rolling median | 14.2% | 13.5% |
| 3Y rolling worst | 6.2% | -1.6% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 14.0% | 12.9% |
| 5Y rolling worst | 8.4% | 2.6% |
| 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.) | 15.5% | 14.9% |
| Sharpe ratio | 0.29 | 0.19 |
| Sortino ratio | 0.42 | 0.26 |
| 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 | −33.9% | −27.1% |
| Maximum drawdown, last 10Y | n/a | −28.9% |
| Maximum drawdown, last 5Y | −18.9% | −18.1% |
| Current drawdown | −6.9% | −5.7% |
| Recovery time of worst fall | 232 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 2.28% a year and the Direct plan's 1.15%, a gap of 1.13%; over the last 3 years the Direct plan returned 1.41 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 ₹25,17,927.
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.
Recent disclosure changes last 120 days, as disclosed via AMFI
- 28 Sep 2026: TER increased from 1.14% to 1.15% (AMFI TER disclosure)
- 15 Sep 2026: TER increased from 1.13% to 1.14% (AMFI TER disclosure)
- 2 Sep 2026: TER increased from 1.07% to 1.13% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Chanchal Khandelwal | Comanage | 31 Oct 2024 |
| Harshil Suvarnkar | Comanage | 22 Mar 2021 |
Objective: he investment objective of the scheme is to seek generation of capital appreciation by creating a portfolio that is predominantly investing in equity & equity related securities and debt and money market instruments. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved.
Stated asset allocation: Under normal circumstances, the asset allocation of the Scheme will be as follows: Equities and Equity related instruments - Medium to High - 65%-100% Fixed Income Securities (including Money Market Securities and securitized debt upto a maximum of 35%) - Low to Medium - 0%–35% Units issued by InvITs - Medium to High - 0%-10%
Benchmark (tier 1): Nifty 500 TRI
Minimum application: ₹1,000
Allotment date: 11 Feb 2019
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), Direct plan | 1.15% | 1.45% |
| AUM, whole scheme (₹ crore) | 1,197 | 755 |
| Riskometer | Very 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) | 3.9% | -2.0% TRI |
| Return, 3 years (AMFI) | 9.9% | 9.5% TRI |
| Return, 5 years (AMFI) | 9.0% | 9.0% TRI |
| Month-ends above category median (3Y CAGR) | 46% | 46% median |
| Month-ends in category top quartile (3Y) | 18% | 33% median |
Official benchmark: Nifty 500 TRI (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Children's Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -3.2% | n/a | – |
| 2025 | 8.3% | n/a | – |
| 2024 | 16.0% | n/a | – |
| 2023 | 24.6% | n/a | – |
| 2022 | 1.8% | n/a | – |
| 2021 | 14.2% | n/a | – |
| 2020 | 16.3% | 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 | ₹1,18,940 | -1.6% |
| 3 years | ₹3,60,000 | ₹3,85,849 | 4.6% |
| 5 years | ₹6,00,000 | ₹7,55,120 | 9.1% |
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: Children's
Plan / option: Direct · Growth
AMFI scheme code: 146407
ISIN: INF209KB1E84
First NAV in MFIC data: 12 Feb 2019
History: 7.6 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 |
|---|---|---|---|
| Baroda BNP Paribas Retirement Fund | Retirement | 0.98 | n/a |
| Aditya Birla Sun Life Retirement Fund-The 30s Plan | Retirement | 0.97 | 15.1% |
| Union Children's Fund | Children's | 0.97 | n/a |
| Tata Retirement Savings Fund-Moderate Plan | Retirement | 0.97 | 10.9% |
| Union Retirement Fund | Retirement | 0.96 | 11.6% |
| Tata Retirement Savings Fund-Progressive Plan | Retirement | 0.96 | 11.3% |
Questions about ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA
- What is the latest NAV of ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA?
- The NAV of the Direct plan (growth option) was ₹22.3900 on 1 Oct 2026, as published by AMFI.
- Which category is ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA in?
- It is classified as Children's in AMFI's daily NAV file. MFIC compares it with 13 Children's schemes (Direct plans).
- What returns has ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA delivered?
- Over one year the NAV changed by 1.9%. The 3-year CAGR is 9.5% (category median 8.0%) and the 5-year CAGR is 8.9% (category median 7.5%). 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 14.2%, the lowest was 6.2%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA's NAV?
- The largest peak-to-trough fall in its available history was 33.9%; within the last five years it was 18.9% (category median 18.1%).
- How volatile is ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA?
- Its annualised standard deviation of monthly returns over the last 36 months is 15.5%, which is above the Children's category median of 14.9%.
- What would a monthly SIP in ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA 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 ₹7,55,120 on 1 Oct 2026, an annualised return (XIRR) of 9.1%. This uses the Direct 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 BAL BHAVISHYA YOJNA?
- The total expense ratio of the Direct plan is 1.15% a year, as disclosed to AMFI (median of Children's Direct plans: 1.45%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA?
- Assets under management of the whole scheme were ₹1,197 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “Very High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA and how has it compared?
- Its official benchmark is the Nifty 500 TRI. Over 3 years AMFI reports a return of 9.9% for this plan against 9.5% for the benchmark total return index; over 5 years 9.0% against 9.0%. Past performance does not indicate future results.
- How often has ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA beaten its category?
- At 46% of the 56 month-ends compared over the last 10 years, its 3-year return was above the median of Children's schemes (Direct plans); it was in the top quarter at 18% of them. A typical scheme would show about 50%.
- Who manages ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA?
- According to its Scheme Summary Document, ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA is managed by Chanchal Khandelwal (since 31 Oct 2024), Harshil Suvarnkar (since 22 Mar 2021).
- What is the minimum investment in ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA?
- 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 1.9% and the Regular plan's by 0.8%. 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.
Follow ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA by email
Every Monday: this scheme's NAV, 1-month and 1-year return beside its category median, 3-year CAGR and how far it is below its peak. Add more schemes from their pages or from your MFIC watchlist. Free; unsubscribe from any email.
Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Direct 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.