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    Aditya Birla Sun Life Bal Bhavishya Yojna

    SolutionDirect and Regular plans, Growth and IDCW options

    Data as on 30-10-2026

    Aditya Birla Sun Life Bal Bhavishya Yojna is a mutual fund run by Aditya Birla Sun Life Mutual Fund. On 30-09-2026, it managed ₹1,197 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 10.4% a year and its Regular plan returned 8.9% a year. Its benchmark, Nifty 500 TRI, returned 10.2% a year over the same 3 years.

    NAV (Direct plan)
    ₹22.15
    ▼ 0.98%30-10-2026
    NAV (Regular plan)
    ₹19.58
    ▼ 1.01%30-10-2026
    Expense ratio
    1.17%Direct2.31%Regular
    Riskometer
    Very High
    Set by the fund house
    3 year return
    10.4%Direct8.9%Regular

    Aditya Birla Sun Life Bal Bhavishya Yojna NAV Today

    NAV on 30-10-2026: Direct Plan Growth ₹22.15 (down 0.98% that day); Regular Plan Growth ₹19.58 (down 1.01% that day).

    Aditya Birla Sun Life Bal Bhavishya Yojna Returns vs Nifty 500 TRI

    Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

    Trailing returns
    Period1M3M6M1Y3Y5Y10Y
    This fund (Direct)−2.25%−5.70%−0.89%−3.65%+10.36%+8.72%--
    This fund (Regular)−2.39%−6.00%−1.51%−4.77%+8.93%+7.14%--
    Nifty 500 TRI−0.75%−6.05%−2.83%−7.34%+10.22%+8.81%+12.51%
    Category average--------------
    Best in category--------------
    Worst in category--------------
    Rank in category--------------

    No category comparison is shown: this fund's category is too broad to compare, or has fewer than five funds.

    Aditya Birla Sun Life Bal Bhavishya Yojna Year-wise Returns

    Return of each calendar year
    YearDirectRegularNifty 500 TRI
    2026to date−4.28%−5.18%−7.51%
    2025+8.28%+6.94%+7.76%
    2024+16.02%+14.33%+16.24%
    2023+24.63%+22.66%+26.91%
    2022+1.79%0.00%+4.25%
    2021+14.24%+12.32%+31.60%

    Aditya Birla Sun Life Bal Bhavishya Yojna Rolling Returns

    The return of every holding period in the fund's history, not only the one that ends today

    Rolling returns

    Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 1,160 periods, one for each trading day from 14-02-2022 to 30-10-2026.

    0%10%20%30%40%
    Jul 2019
    to
    Jul 2022
    Apr 2020
    to
    Apr 2023
    Feb 2021
    to
    Feb 2024
    Nov 2021
    to
    Nov 2024
    Sept 2022
    to
    Sept 2025
    Jun 2023
    to
    Jun 2026
    Aditya Birla Sun Life Bal Bhavishya Yojna (Direct)Nifty 500 TRI

    Every holding period at a glance

    PeriodPeriodsMedianLowestHighestWith a lossBenchmark medianBeat benchmark
    1 year1,6569.7%−27.8%75.1%16%10.1%38%
    2 years1,40714.5%−1.3%35.2%0%18.9%15%
    3 years1,16014.1%6.2%22.1%0%17.4%10%
    5 years67013.8%8.1%21.3%0%18.8%3%
    7 years17612.0%9.3%14.0%0%14.6%0%

    Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat benchmark" counts the periods in which the fund did better than Nifty 500 TRI over the same days. Past returns do not promise future returns.

    Aditya Birla Sun Life Bal Bhavishya Yojna Risk

    How much it swings, and the falls an investor had to sit through

    Risk and return

    MeasureAditya Birla Sun Life Bal Bhavishya Yojna (Direct)This fundNifty 500 TRI
    Return (CAGR)+10.36%+10.22%
    Standard deviation14.63%14.30%
    Sharpe ratio0.300.29
    Sortino ratio0.400.40
    Maximum drawdown−18.9% (28-02-2025)−18.6% (28-02-2025)
    Beta1.001.00
    Alpha+0.14%0.00%

    From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.

    Drawdowns

    How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.

    −40%−30%−20%−10%0%
    2020202120222023202420252026
    Aditya Birla Sun Life Bal Bhavishya Yojna (Direct)Nifty 500 TRI
    Worst fallHigh before itBottomBack at the highTime to climb backBelow its high today
    Aditya Birla Sun Life Bal Bhavishya Yojna (Direct)−33.9%13-02-202023-03-202010-11-20208 months−7.9%
    Nifty 500 TRI−38.1%17-01-202023-03-202006-11-20207 months−8.8%

    From the Direct plan's daily NAV since 12-02-2019, adjusted for unit splits, and Nifty 500 TRI over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.

    Aditya Birla Sun Life Bal Bhavishya Yojna Expense Ratio and Costs

    What each plan charges a year, in force from 21-10-2026

    PlanBase expense ratioBrokerageTransaction costsLevies and GSTTotal expense ratio
    Direct0.87%0.05%0.00%0.25%1.17%
    Regular1.88%0.05%0.00%0.38%2.31%

    The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file.

    Direct vs Regular: what the gap cost

    Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.

    Over the lastRegularDirectDirect earned more by₹1 lakh became (Regular)₹1 lakh became (Direct)
    1 year−4.77%−3.65%1.12%₹95,230₹96,350
    3 years8.93%10.36%1.43% a year₹1,29,254₹1,34,411
    5 years7.14%8.72%1.58% a year₹1,41,175₹1,51,896

    Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.

    Aditya Birla Sun Life Bal Bhavishya Yojna SIP Calculator

    What a one-time or monthly investment in this fund would be worth today, from its own NAV history

    Growth of an investment

    Step up each year
    PeriodFor

    ₹10,000 on the first trading day of every month, from 12-02-2019 to 30-10-2026: 93 instalments, ₹9,30,000 in all.

    InvestmentInvestedValue nowGainReturn a year
    Direct planAditya Birla Sun Life Bal Bhavishya Yojna (Direct) ₹9,30,000 ₹13,98,934 ₹4,68,934 10.3%
    Regular planAditya Birla Sun Life Bal Bhavishya Yojna (Regular) ₹9,30,000 ₹13,09,376 ₹3,79,376 8.7%
    Nifty 500 TRI ₹9,30,000 ₹14,95,878 ₹5,65,878 12.0%
    ₹0₹5.0 L₹10.0 L₹15.0 L₹20.0 L
    2020202120222023202420252026
    Direct planAditya Birla Sun Life Bal Bhavishya Yojna (Direct)Regular planAditya Birla Sun Life Bal Bhavishya Yojna (Regular)Nifty 500 TRIAmount invested

    From each plan's published NAV (Growth option), the benchmark's TRI, over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.

    Aditya Birla Sun Life Bal Bhavishya Yojna Asset Allocation

    Asset allocation as on 30-09-2026

    What the fund holds

    98.5%Equity

    AssetFund
    Equity98.5%
    Cash and others1.5%

    Market cap of stocks

    Market capFund
    Large Cap55.3%
    Mid Cap15.0%
    Small Cap26.9%
    Not on AMFI's list1.3%

    Share of the whole fund. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.

    Aditya Birla Sun Life Bal Bhavishya Yojna Sector Allocation

    Sector allocation of the fund's stocks as on 30-09-2026

    Largest sectors

    1. Banks16.3%

    2. Retailing7.0%

    3. IT - Software6.7%

    4. Auto Components5.4%

    5. Pharmaceuticals & Biotechnology3.6%

    6. Consumer Durables3.5%

    7. Petroleum Products3.3%

    8. Non - Ferrous Metals3.3%

    9. Industrial Products3.3%

    10. Finance3.1%

    The ten largest of 34 sectors. The other 24 add up to 43.2%.

    Sector changes

    SectorJuly 2026August 2026September 2026Change
    Banks18.3%16.4%16.3%−2.0%
    Retailing6.4%6.7%7.0%+0.6%
    IT - Software7.2%7.0%6.7%−0.5%
    Auto Components2.7%3.5%5.4%+2.7%
    Pharmaceuticals & Biotechnology3.5%3.3%3.6%+0.1%

    Each sector's share of the fund at the end of each month. The five largest sectors of September 2026. Change: from July 2026 to September 2026, in % of the fund.

    Aditya Birla Sun Life Bal Bhavishya Yojna Portfolio Holdings

    As on 30-09-2026 · 67 holdings · from the fund house's monthly portfolio

    HoldingsSectorWeight%Holdings trend1M change
    ICICI Bank Ltd.Banks5.74%0.0%
    HDFC Bank Ltd.Banks3.56%0.0%
    Reliance Industries Ltd.Petroleum Products3.28%0.0%
    Axis Bank Ltd.Banks2.77%0.0%
    Meesho Ltd.Retailing2.59%0.0%
    Bharti Airtel Ltd.Telecom - Services2.45%0.0%
    Infosys Ltd.IT - Software2.29%0.0%
    Eternal Ltd.Retailing2.07%0.0%
    State Bank of IndiaBanks2.06%0.0%
    Hindalco Industries Ltd.Non - Ferrous Metals2.04%0.0%

    Aditya Birla Sun Life Bal Bhavishya Yojna Stocks Bought and Sold

    All changes are between August 2026 and September 2026

    More
    Stocks bought and sold in September 2026
    Welspun Corp Ltd.Reduced−18.2%2.04%
    Bharat Heavy Electricals Ltd.Added+25.0%1.74%
    Grasim Industries Ltd.Added+24.4%1.70%
    GMR Airports Ltd.NewNew1.61%
    PB Fintech Ltd.Added+47.0%1.18%
    Rentomojo Ltd.NewNew1.29%
    Wheels India Ltd.NewNew1.27%
    Balrampur Chini Mills Ltd.Added+41.6%1.22%
    Timken India Ltd.Added+3.7%1.22%
    Mas Financial Services Ltd.Sold out−100%was 1.22%

    A change is counted by the number of shares the fund holds, not by price. A stock can become a smaller part of the fund in a month when the fund bought more of it, if its price fell. Debt papers are left out.

    What Aditya Birla Sun Life Bal Bhavishya Yojna bought and sold

    Aditya Birla Sun Life Bal Bhavishya Yojna Portfolio Overlap

    Funds with the most similar portfolios, across every fund house and category

    FundOverlapHoldings in common
    Nippon India Flexi Cap FundFlexi Cap · Nippon India47.4%33Compare
    Aditya Birla Sun Life ELSS Tax Saver FundELSS · Aditya Birla Sun Life46.4%27Compare
    Aditya Birla Sun Life Large Cap FundLarge Cap · Aditya Birla Sun Life45.9%27Compare
    Aditya Birla Sun Life Aggressive Hybrid FundAggressive Hybrid · Aditya Birla Sun Life44.5%39Compare
    Aditya Birla Sun Life Flexi Cap FundFlexi Cap · Aditya Birla Sun Life44.4%28Compare
    Axis Value FundValue and Contra · Axis42.9%28Compare
    Canara Robeco Flexi Cap FundFlexi Cap · Canara Robeco42.8%32Compare
    Mirae Asset Large Cap FundLarge Cap · Mirae Asset42.3%28Compare

    Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.

    Aditya Birla Sun Life Bal Bhavishya Yojna Overview

    Fund facts from the scheme summary document, as on 16-10-2026

    Expense ratio (Direct)
    1.17%
    Expense ratio (Regular)
    2.31%
    Category
    Solution
    Risk
    Very High
    Benchmark
    Nifty 500 TRI
    Launch date
    11-02-2019
    Minimum investment
    ₹1,000
    Minimum additional investment
    ₹1,000
    AUM
    ₹1,197.45 Cr (30-09-2026)
    Scheme code (Direct)
    146407
    ISIN (Direct)
    INF209KB1E84
    Scheme code (Regular)
    146409
    ISIN (Regular)
    INF209KB1E76
    NAV history
    From 12-02-2019, 7.7 years
    Lock in
    5 years, or until the child turns 18 if earlier
    Exit load
    Nil

    Tax on Aditya Birla Sun Life Bal Bhavishya Yojna returns

    • How the gain is taxed depends on what the fund holds. A fund with 65% or more in Indian stocks is taxed as an equity fund: 20% within 1 year, 12.5% after, on gains above ₹1.25 lakh a year.
    • A fund with 65% or more in debt is taxed at your slab rate. Any other fund: your slab rate within 2 years, 12.5% after.
    • IDCW (dividend) payouts are added to your income and taxed at your slab rate.
    • A stamp duty of 0.005% is deducted when you invest.

    Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.

    All plans and options

    PlanOptionNAVAs on
    directGrowth₹22.1530-10-2026
    directIDCW Re Investment₹18.0730-10-2026
    regularGrowth₹19.5830-10-2026
    regularIDCW Payout₹15.9830-10-2026

    About Aditya Birla Sun Life Bal Bhavishya Yojna

    Aditya Birla Sun Life Bal Bhavishya Yojna is a mutual fund from Aditya Birla Sun Life Mutual Fund. Its category is Solution. It was launched on 11-02-2019. Its benchmark is Nifty 500 TRI. At the end of September 2026 it held 67 securities.

    Fund Manager

    • Chanchal Khandelwal

      Fund manager of Aditya Birla Sun Life Bal Bhavishya Yojna, since 31-10-2024

    • Harshil Suvarnkar

      Fund manager of Aditya Birla Sun Life Bal Bhavishya Yojna, since 22-03-2021

    See all funds of Aditya Birla Sun Life Mutual Fund

    AUM change

    September 2026
    ₹1,197.45 Cr
    −5.45% from August 2026
    August 2026
    ₹1,266.45 Cr
    +1.91% from July 2026
    July 2026
    ₹1,242.70 Cr
    +2.86% from June 2026

    AUM moves with money invested or taken out, and with the value of what the fund holds.

    Compare Aditya Birla Sun Life Bal Bhavishya Yojna with Other Funds

    Returns, risk, costs and the stocks they share, side by side

    Frequently Asked Questions for Aditya Birla Sun Life Bal Bhavishya Yojna

    What is the current NAV of Aditya Birla Sun Life Bal Bhavishya Yojna?

    The Direct plan NAV is ₹22.15. The Regular plan NAV is ₹19.58, as on 30-10-2026.

    What are the returns of Aditya Birla Sun Life Bal Bhavishya Yojna?

    The Direct plan returned −3.65% in 1 year, +10.36% a year over 3 years, +8.72% a year over 5 years. The Regular plan returned −4.77% in 1 year, +8.93% a year over 3 years, +7.14% a year over 5 years. These figures are as on 30-10-2026.

    What is the expense ratio of Aditya Birla Sun Life Bal Bhavishya Yojna?

    The Direct plan charges 1.17% a year. The Regular plan charges 2.31% a year. This is the figure the fund house reported to AMFI, in force from 21-10-2026.

    What is the AUM of Aditya Birla Sun Life Bal Bhavishya Yojna?

    Aditya Birla Sun Life Bal Bhavishya Yojna managed ₹1,197.45 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.

    What are the top holdings of Aditya Birla Sun Life Bal Bhavishya Yojna?

    At the end of September 2026 the largest holdings were ICICIBANK (5.74%), HDFCBANK (3.56%), RELIANCE (3.28%), AXISBANK (2.77%), MEESHO (2.59%). The fund held 67 securities in all.

    What did Aditya Birla Sun Life Bal Bhavishya Yojna buy and sell in September 2026?

    It bought 7 new stocks: Rentomojo Ltd, Honasa Consumer Ltd, SBI Life Insurance Co. Ltd, Tata Consumer Products Ltd, Dynamatic Technologies Ltd. It sold out of 3: Dabur India Ltd, Tata Chemicals Ltd, Mas Financial Services Ltd. It added shares in 7. It reduced 1.

    How do I invest in Aditya Birla Sun Life Bal Bhavishya Yojna?

    Through Aditya Birla Sun Life Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹1,000. You can invest once or through a monthly SIP.

    Who is the fund manager of Aditya Birla Sun Life Bal Bhavishya Yojna?

    Chanchal Khandelwal (since 31-10-2024), Harshil Suvarnkar (since 22-03-2021).

    Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.

    This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.

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