Aditya Birla Sun Life Bal Bhavishya Yojna vs Aditya Birla Sun Life Special Opportunities Fund
Direct Plan, Growth option · Data as on 30-10-2026
Aditya Birla Sun Life Bal Bhavishya Yojna is a Solution fund and Aditya Birla Sun Life Special Opportunities Fund is a Thematic fund. In the 3 years to 30-10-2026, Aditya Birla Sun Life Bal Bhavishya Yojna (Direct) returned 10.4% a year and Aditya Birla Sun Life Special Opportunities Fund (Direct) returned 18.3% a year. Aditya Birla Sun Life Bal Bhavishya Yojna charges 1.17% a year and Aditya Birla Sun Life Special Opportunities Fund 1.18% (Direct plans). Their portfolios overlap 29.8%: they hold 23 of the same securities.
Aditya Birla Sun Life Bal Bhavishya Yojna
Solution
- 3 year return
- 10.4%
- Expense ratio
- 1.17%
- NAV
- ₹22.15
Aditya Birla Sun Life Special Opportunities Fund
Thematic
- 3 year return
- 18.3%
- Expense ratio
- 1.18%
- NAV
- ₹29.45
Which is better, Aditya Birla Sun Life Bal Bhavishya Yojna or Aditya Birla Sun Life Special Opportunities? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Aditya Birla Sun Life Special Opportunities returned more over 5 years: 12.6% a year against 8.7%.
- Aditya Birla Sun Life Special Opportunities returned more over 3 years: 18.3% a year against 10.4%.
- Aditya Birla Sun Life Bal Bhavishya Yojna costs less: 1.17% a year against 1.18% (Direct plans).
- Aditya Birla Sun Life Special Opportunities swung less over 3 years: a standard deviation of 14.2% a year against 14.6%.
- Aditya Birla Sun Life Bal Bhavishya Yojna fell less in its worst fall since 27-10-2020: −18.9% against −20.3%.
- Aditya Birla Sun Life Bal Bhavishya Yojna holds more in large companies: 55.3% of the fund in large caps against 36.4%.
- Aditya Birla Sun Life Special Opportunities is the larger fund: ₹1,357 Cr against ₹1,197 Cr.
- Their portfolios overlap 29.8%: 23 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Aditya Birla Sun Life Bal Bhavishya Yojna | Aditya Birla Sun Life Special Opportunities Fund |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | Aditya Birla Sun Life Mutual Fund |
| Category | Solution | Thematic |
| AUM | ₹1,197 Cr (30-09-2026) | ₹1,357 Cr (30-09-2026) |
| NAV | ₹22.15 (Direct) | ₹29.45 (Direct) |
| Expense ratio (Direct) | 1.17% | 1.18% |
| Expense ratio (Regular) | 2.31% | 2.28% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty 500 TRI | BSE 500 TRI |
| Launch date | 11-02-2019 | 23-10-2020 |
| Minimum investment | ₹1,000 | ₹500 |
| Lock in | 5 years, or until the child turns 18 if earlier | None |
| Fund managers | Chanchal Khandelwal, Harshil Suvarnkar | Dhaval Gala |
| Exit load | Nil | Exit load of 1%, if redeemed within 30 days. |
Aditya Birla Sun Life Bal Bhavishya Yojna vs Aditya Birla Sun Life Special Opportunities: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Bal Bhavishya Yojna (Direct) | −2.25% | −5.70% | −0.89% | −3.65% | +10.36% | +8.72% | -- |
| Aditya Birla Sun Life Special Opportunities Fund (Direct) | −2.97% | −3.22% | +4.77% | +5.40% | +18.27% | +12.63% | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | +13.76% | +11.62% | -- |
Category average: the average of the 235 Thematic funds, same plan type.
Aditya Birla Sun Life Bal Bhavishya Yojna vs Aditya Birla Sun Life Special Opportunities: Year-wise Returns
| Year | Bal Bhavishya YojnaAditya Birla Sun Life Bal Bhavishya Yojna | Special OpportunitiesAditya Birla Sun Life Special Opportunities |
|---|---|---|
| 2026to date | −4.28% | +2.15% |
| 2025 | +8.28% | +14.81% |
| 2024 | +16.02% | +22.91% |
| 2023 | +24.63% | +26.97% |
| 2022 | +1.79% | +0.63% |
| 2021 | +14.24% | +35.16% |
Aditya Birla Sun Life Bal Bhavishya Yojna vs Aditya Birla Sun Life Special Opportunities: Rolling Returns
Every holding period of both funds, against Nifty 500 TRI, the benchmark of Aditya Birla Sun Life Bal Bhavishya Yojna
Rolling returns
Every 3-year holding period, 741 of them, one for each trading day from 27-10-2023 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Aditya Birla Sun Life Bal Bhavishya Yojna (Direct)
Aditya Birla Sun Life Special Opportunities Fund (Direct)
Nifty 500 TRI
to
Jan 2024Jul 2021
to
Jul 2024Jan 2022
to
Jan 2025Aug 2022
to
Aug 2025Feb 2023
to
Feb 2026Aug 2023
to
Aug 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Bal Bhavishya Yojna | 0.0 | 0.0 | 2.3 | 60.2 | 36.2 | 1.3 | 0.0 | 14.3% | 14.4% | 9.1% | 20.3% | 16% |
| Aditya Birla Sun Life Special Opportunities | 0.0 | 0.0 | 0.0 | 6.6 | 45.9 | 47.5 | 0.0 | 19.5% | 19.9% | 11.5% | 24.0% | 90% |
| Nifty 500 TRI | 0.0 | 0.0 | 2.6 | 25.6 | 58.0 | 13.8 | 0.0 | 16.6% | 16.6% | 8.8% | 22.3% | -- |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. The benchmark is Nifty 500 TRI, over the same periods. "Beat benchmark" counts the periods in which the fund did better. Every fund is measured over the days all of them have, from 27-10-2020. Past returns do not promise future returns.
Aditya Birla Sun Life Bal Bhavishya Yojna vs Aditya Birla Sun Life Special Opportunities: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 01-10-2020 to 30-10-2026: 73 instalments, ₹7,30,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Aditya Birla Sun Life Bal Bhavishya YojnaAditya Birla Sun Life Bal Bhavishya Yojna (Direct) | ₹7,30,000 | ₹9,65,110 | ₹2,35,110 | 9.1% |
| Aditya Birla Sun Life Special OpportunitiesAditya Birla Sun Life Special Opportunities Fund (Direct) | ₹7,30,000 | ₹11,72,279 | ₹4,42,279 | 15.5% |
Aditya Birla Sun Life Bal Bhavishya YojnaAditya Birla Sun Life Bal Bhavishya Yojna (Direct)
Aditya Birla Sun Life Special OpportunitiesAditya Birla Sun Life Special Opportunities Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), 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 vs Aditya Birla Sun Life Special Opportunities: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Aditya Birla Sun Life Bal Bhavishya Yojna (Direct) | Aditya Birla Sun Life Special Opportunities Fund (Direct) |
|---|---|---|
| Return (CAGR) | −3.65% | +5.40% |
| Standard deviation | 14.45% | 14.59% |
| Sharpe ratio | -0.62 | 0.01 |
| Sortino ratio | -0.83 | 0.02 |
| Maximum drawdown | −15.1% (30-03-2026) | −13.3% (30-03-2026) |
| Beta | 0.98 | 0.95 |
| Alpha | +3.43% | +12.45% |
From daily NAVs, 30-10-2025 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 and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Bal Bhavishya Yojna (Direct) | Aditya Birla Sun Life Special Opportunities Fund (Direct) |
|---|---|---|
| Return (CAGR) | +10.36% | +18.27% |
| Standard deviation | 14.63% | 14.15% |
| Sharpe ratio | 0.30 | 0.87 |
| Sortino ratio | 0.40 | 1.20 |
| Maximum drawdown | −18.9% (28-02-2025) | −17.7% (07-04-2025) |
| Beta | 1.00 | 0.95 |
| Alpha | +0.14% | +8.57% |
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 and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Bal Bhavishya Yojna (Direct) | Aditya Birla Sun Life Special Opportunities Fund (Direct) |
|---|---|---|
| Return (CAGR) | +8.72% | +12.63% |
| Standard deviation | 14.16% | 14.34% |
| Sharpe ratio | 0.21 | 0.48 |
| Sortino ratio | 0.28 | 0.65 |
| Maximum drawdown | −18.9% (28-02-2025) | −19.8% (20-06-2022) |
| Beta | 0.96 | 0.96 |
| Alpha | +0.03% | +4.08% |
From daily NAVs, 29-10-2021 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 and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Bal Bhavishya Yojna (Direct) | Aditya Birla Sun Life Special Opportunities Fund (Direct) |
|---|---|---|
| Return (CAGR) | +10.85% | +19.58% |
| Standard deviation | 15.75% | 14.26% |
| Sharpe ratio | 0.36 | 1.00 |
| Sortino ratio | 0.48 | 1.38 |
| Maximum drawdown | −33.9% (23-03-2020) | −20.3% (20-06-2022) |
| Beta | 0.89 | 0.95 |
| Alpha | −1.75% | +4.60% |
From daily NAVs, 12-02-2019 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 and alpha compare each fund with its own benchmark's TRI.
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.
Aditya Birla Sun Life Bal Bhavishya Yojna (Direct)
Aditya Birla Sun Life Special Opportunities Fund (Direct)
Nifty 500 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Bal Bhavishya Yojna (Direct) | −18.9% | 27-09-2024 | 28-02-2025 | 29-10-2025 | 8 months | −7.9% |
| Aditya Birla Sun Life Special Opportunities Fund (Direct) | −20.3% | 18-10-2021 | 20-06-2022 | 03-07-2023 | 12 months | −6.7% |
| Nifty 500 TRI | −18.6% | 26-09-2024 | 28-02-2025 | Not yet | -- | −8.8% |
From daily values since 27-10-2020, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Bal Bhavishya Yojna (Direct)
Aditya Birla Sun Life Special Opportunities Fund (Direct)
Nifty 500 TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Bal Bhavishya Yojna (Direct)
Aditya Birla Sun Life Special Opportunities Fund (Direct)
Nifty 500 TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 5-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Bal Bhavishya Yojna (Direct)
Aditya Birla Sun Life Special Opportunities Fund (Direct)
Nifty 500 TRI
Against Nifty 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Aditya Birla Sun Life Bal Bhavishya Yojna (Direct) | 87% | 94% | 4.11% |
| Aditya Birla Sun Life Special Opportunities Fund (Direct) | 106% | 89% | 4.47% |
From month-end values since 27-10-2020. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
Aditya Birla Sun Life Bal Bhavishya Yojna vs Aditya Birla Sun Life Special Opportunities: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life Bal Bhavishya Yojna, September 2026; Aditya Birla Sun Life Special Opportunities Fund, September 2026
Holdings in common
- Overlap
- 29.8%
- Held by both
- 23
- Only in Aditya Birla Sun Life Bal Bhavishya Yojna
- 44
- Only in Aditya Birla Sun Life Special Opportunities
- 45
| Security | % of Aditya Birla Sun Life Bal Bhavishya Yojna | % of Aditya Birla Sun Life Special Opportunities |
|---|---|---|
| ICICI Bank Ltd. | 5.74% | 2.92% |
| Meesho Ltd. | 2.59% | 3.05% |
| Bharti Airtel Ltd. | 2.45% | 3.69% |
| Axis Bank Ltd. | 2.77% | 1.99% |
| Shriram Finance Ltd. | 1.97% | 2.95% |
| Infosys Ltd. | 2.29% | 1.61% |
| Bikaji Foods International Ltd. | 1.62% | 1.41% |
| Varun Beverages Ltd. | 1.37% | 1.54% |
| Mahindra & Mahindra Ltd. | 1.59% | 1.30% |
| Eternal Ltd. | 2.07% | 1.27% |
| Wheels India Ltd. | 1.27% | 1.98% |
| Vedanta Aluminium Metal Ltd. | 1.22% | 1.81% |
| SPR Auto Technologies Ltd. | 1.19% | 2.57% |
| Tata Motors Ltd. | 1.02% | 1.60% |
| Ambuja Cements Ltd. | 1.02% | 1.20% |
| Reliance Industries Ltd. | 3.28% | 0.94% |
| Tech Mahindra Ltd. | 1.78% | 0.92% |
| Grasim Industries Ltd. | 1.70% | 0.74% |
| Hindalco Industries Ltd. | 2.04% | 0.70% |
| Arvind Ltd. | 1.53% | 0.56% |
| Rentomojo Ltd. | 1.29% | 0.56% |
| Tata Consumer Products Ltd. | 0.38% | 1.02% |
| One 97 Communications Ltd. | 1.47% | 0.37% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 29.8% means 29.8% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Aditya Birla Sun Life Bal Bhavishya Yojna
| Security | % of fund |
|---|---|
| HDFC Bank Ltd. | 3.56% |
| State Bank of India | 2.06% |
| Welspun Corp Ltd. | 2.04% |
| Samvardhana Motherson International Ltd. | 1.86% |
| Bharat Heavy Electricals Ltd. | 1.74% |
Largest holdings only in Aditya Birla Sun Life Special Opportunities Fund
| Security | % of fund |
|---|---|
| Aditya Infotech Ltd. | 7.48% |
| Union Bank of India | 2.12% |
| Billionbrains Garage Ventures Ltd. | 2.04% |
| Sedemac Mechatronics Ltd. | 2.02% |
| Bank of Maharashtra | 2.02% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Aditya Birla Sun Life Bal Bhavishya Yojna | Aditya Birla Sun Life Special Opportunities |
|---|---|---|
| Equity | 98.5% | 93.6% |
| Debt | 0.0% | 0.0% |
| Cash and others | 1.5% | 6.4% |
Market cap of stocks
| Market cap | Aditya Birla Sun Life Bal Bhavishya Yojna | Aditya Birla Sun Life Special Opportunities |
|---|---|---|
| Large Cap | 55.3% | 36.4% |
| Mid Cap | 15.0% | 13.7% |
| Small Cap | 26.9% | 39.9% |
| Not on AMFI's list | 1.3% | 3.5% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Aditya Birla Sun Life Bal Bhavishya Yojna | Aditya Birla Sun Life Special Opportunities |
|---|---|---|
| Banks | 16.3% | 12.8% |
| Auto Components | 5.4% | 10.2% |
| Industrial Manufacturing | 0.7% | 9.4% |
| Retailing | 7.0% | 7.3% |
| IT - Software | 6.7% | 5.3% |
| Finance | 3.1% | 6.1% |
| Pharmaceuticals & Biotechnology | 3.6% | 4.0% |
| Consumer Durables | 3.5% | 0.7% |
The six largest sectors of each fund's stocks, % of the fund.
Aditya Birla Sun Life Bal Bhavishya Yojna vs Aditya Birla Sun Life Special Opportunities: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life Bal Bhavishya Yojna | Aditya Birla Sun Life Special Opportunities Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.17% | 1.18% |
| Base expense ratio (Direct) | 0.87% | 0.87% |
| Total expense ratio (Regular) | 2.31% | 2.28% |
| Base expense ratio (Regular) | 1.88% | 1.84% |
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, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
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Aditya Birla Sun Life Bal Bhavishya Yojna vs Aditya Birla Sun Life Special Opportunities Fund: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life Bal Bhavishya Yojna and Aditya Birla Sun Life Special Opportunities Fund?
Aditya Birla Sun Life Bal Bhavishya Yojna is a Solution fund, Aditya Birla Sun Life Special Opportunities Fund is a Thematic fund, run by Aditya Birla Sun Life Mutual Fund. Their portfolios overlap 29.8%. Aditya Birla Sun Life Bal Bhavishya Yojna charges 1.17% a year and Aditya Birla Sun Life Special Opportunities Fund 1.18%.
Which has given higher returns, Aditya Birla Sun Life Bal Bhavishya Yojna or Aditya Birla Sun Life Special Opportunities Fund?
Over 1 year: Aditya Birla Sun Life Bal Bhavishya Yojna −3.65%, Aditya Birla Sun Life Special Opportunities Fund +5.40%. Over 3 years: Aditya Birla Sun Life Bal Bhavishya Yojna +10.36% a year, Aditya Birla Sun Life Special Opportunities Fund +18.27% a year. Over 5 years: Aditya Birla Sun Life Bal Bhavishya Yojna +8.72% a year, Aditya Birla Sun Life Special Opportunities Fund +12.63% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Aditya Birla Sun Life Bal Bhavishya Yojna or Aditya Birla Sun Life Special Opportunities Fund?
Aditya Birla Sun Life Bal Bhavishya Yojna charges less: 1.17% a year against 1.18%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Aditya Birla Sun Life Bal Bhavishya Yojna and Aditya Birla Sun Life Special Opportunities Fund overlap?
29.8%. They hold 23 of the same securities, the largest shared ones being ICICIBANK, MEESHO, BHARTIARTL. From each fund's latest monthly portfolio.
Which is riskier, Aditya Birla Sun Life Bal Bhavishya Yojna or Aditya Birla Sun Life Special Opportunities Fund?
On SEBI's riskometer, Aditya Birla Sun Life Bal Bhavishya Yojna is rated Very High and Aditya Birla Sun Life Special Opportunities Fund Very High. Over 3 years, the standard deviation of daily returns was 14.63% and 14.15% a year.
Which is better for SIP, Aditya Birla Sun Life Bal Bhavishya Yojna or Aditya Birla Sun Life Special Opportunities Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹7,56,919 in Aditya Birla Sun Life Bal Bhavishya Yojna (XIRR 8.4% a year) and ₹8,85,799 in Aditya Birla Sun Life Special Opportunities Fund (XIRR 14.7% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both Aditya Birla Sun Life Bal Bhavishya Yojna and Aditya Birla Sun Life Special Opportunities Fund?
Yes. 29.8% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Aditya Birla Sun Life Bal Bhavishya Yojna and Aditya Birla Sun Life Special Opportunities Fund?
Aditya Birla Sun Life Bal Bhavishya Yojna: Chanchal Khandelwal, Harshil Suvarnkar. Aditya Birla Sun Life Special Opportunities Fund: Dhaval Gala.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
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.