Aditya Birla Sun Life Bal Bhavishya Yojna vs Aditya Birla Sun Life Value 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 Value Fund is a Value and Contra 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 Value Fund (Direct) returned 4.9% a year. Aditya Birla Sun Life Bal Bhavishya Yojna charges 1.17% a year and Aditya Birla Sun Life Value Fund 1.22% (Direct plans). Their portfolios overlap 35.5%: they hold 22 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 Value Fund
Value and Contra
- 3 year return
- 4.9%
- Expense ratio
- 1.22%
- NAV
- ₹144.83
Which is better, Aditya Birla Sun Life Bal Bhavishya Yojna or Aditya Birla Sun Life Value? 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 Bal Bhavishya Yojna returned more over 5 years: 8.7% a year against 5.0%.
- Aditya Birla Sun Life Bal Bhavishya Yojna returned more over 3 years: 10.4% a year against 4.9%.
- Aditya Birla Sun Life Bal Bhavishya Yojna costs less: 1.17% a year against 1.22% (Direct plans).
- Aditya Birla Sun Life Bal Bhavishya Yojna swung less over 3 years: a standard deviation of 14.6% a year against 16.5%.
- Aditya Birla Sun Life Bal Bhavishya Yojna fell less in its worst fall since 12-02-2019: −33.9% against −44.2%.
- Aditya Birla Sun Life Value is the larger fund: ₹6,659 Cr against ₹1,197 Cr.
- Their portfolios overlap 35.5%: 22 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 Value Fund |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | Aditya Birla Sun Life Mutual Fund |
| Category | Solution | Value and Contra |
| AUM | ₹1,197 Cr (30-09-2026) | ₹6,659 Cr (30-09-2026) |
| NAV | ₹22.15 (Direct) | ₹144.83 (Direct) |
| Expense ratio (Direct) | 1.17% | 1.22% |
| Expense ratio (Regular) | 2.31% | 2.02% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty 500 TRI | Nifty 500 TRI |
| Launch date | 11-02-2019 | 27-03-2008 |
| Minimum investment | ₹1,000 | ₹1,000 |
| Lock in | 5 years, or until the child turns 18 if earlier | None |
| Fund managers | Chanchal Khandelwal, Harshil Suvarnkar | Kunal Sangoi |
| Exit load | Nil | For redemption /switch-out of units on or before 90 days from the date of allotment: 1.00% of applicable NAV. For redemption/ switch-out of units after 90 days from the date of allotment: Nil. |
Aditya Birla Sun Life Bal Bhavishya Yojna vs Aditya Birla Sun Life Value: 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 Value Fund (Direct) | −4.68% | −6.03% | −7.78% | −6.14% | +4.90% | +5.05% | +5.16% |
| Value and Contra average | −2.09% | −5.76% | −3.23% | −5.72% | +11.83% | +11.08% | +12.63% |
Category average: the average of the 30 Value and Contra funds, same plan type.
Aditya Birla Sun Life Bal Bhavishya Yojna vs Aditya Birla Sun Life Value: Year-wise Returns
| Year | Bal Bhavishya YojnaAditya Birla Sun Life Bal Bhavishya Yojna | ValueAditya Birla Sun Life Value | Nifty 500 TRI |
|---|---|---|---|
| 2026to date | −4.28% | −8.02% | −7.51% |
| 2025 | +8.28% | −2.97% | +7.76% |
| 2024 | +16.02% | +11.10% | +16.24% |
| 2023 | +24.63% | +34.31% | +26.91% |
| 2022 | +1.79% | −1.72% | +4.25% |
| 2021 | +14.24% | +35.68% | +31.60% |
Aditya Birla Sun Life Bal Bhavishya Yojna vs Aditya Birla Sun Life Value: Rolling Returns
Every holding period of both funds, against Nifty 500 TRI, the benchmark of both
Rolling returns
Every 3-year holding period, 1,160 of them, one for each trading day from 14-02-2022 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 Value Fund (Regular)
Nifty 500 TRI
to
Jul 2022Apr 2020
to
Apr 2023Feb 2021
to
Feb 2024Nov 2021
to
Nov 2024Sept 2022
to
Sept 2025Jun 2023
to
Jun 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 | 12.2 | 52.2 | 34.6 | 1.0 | 0.0 | 13.7% | 14.1% | 6.2% | 22.1% | 10% |
| Aditya Birla Sun Life Value | 0.0 | 0.0 | 4.0 | 10.1 | 37.8 | 28.4 | 19.7 | 20.0% | 19.8% | 6.2% | 33.8% | 78% |
| Nifty 500 TRI | 0.0 | 0.0 | 1.6 | 20.2 | 53.4 | 18.2 | 6.6 | 17.9% | 17.4% | 8.8% | 33.5% | -- |
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 12-02-2019. Past returns do not promise future returns.
Aditya Birla Sun Life Bal Bhavishya Yojna vs Aditya Birla Sun Life Value: 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 12-02-2019 to 30-10-2026: 93 instalments, ₹9,30,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Aditya Birla Sun Life Bal Bhavishya YojnaAditya Birla Sun Life Bal Bhavishya Yojna (Direct) | ₹9,30,000 | ₹13,98,934 | ₹4,68,934 | 10.3% |
| Aditya Birla Sun Life ValueAditya Birla Sun Life Value Fund (Regular) | ₹9,30,000 | ₹16,51,021 | ₹7,21,021 | 14.5% |
Aditya Birla Sun Life Bal Bhavishya YojnaAditya Birla Sun Life Bal Bhavishya Yojna (Direct)
Aditya Birla Sun Life ValueAditya Birla Sun Life Value Fund (Regular)
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 Value: 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 Value Fund (Direct) |
|---|---|---|
| Return (CAGR) | −3.65% | +0.19% |
| Standard deviation | 14.45% | 15.59% |
| Sharpe ratio | -0.62 | -0.32 |
| Sortino ratio | -0.83 | -0.44 |
| Maximum drawdown | −15.1% (30-03-2026) | −13.2% (31-03-2026) |
| Beta | 0.98 | 1.05 |
| Alpha | +3.43% | +8.13% |
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 Value Fund (Direct) |
|---|---|---|
| Return (CAGR) | +10.36% | +11.57% |
| Standard deviation | 14.63% | 16.55% |
| Sharpe ratio | 0.30 | 0.34 |
| Sortino ratio | 0.40 | 0.44 |
| Maximum drawdown | −18.9% (28-02-2025) | −22.6% (03-03-2025) |
| Beta | 1.00 | 1.11 |
| Alpha | +0.14% | +0.88% |
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 Value Fund (Direct) |
|---|---|---|
| Return (CAGR) | +8.72% | +11.53% |
| Standard deviation | 14.16% | 16.95% |
| Sharpe ratio | 0.21 | 0.34 |
| Sortino ratio | 0.28 | 0.44 |
| Maximum drawdown | −18.9% (28-02-2025) | −22.9% (20-06-2022) |
| Beta | 0.96 | 1.12 |
| Alpha | +0.03% | +2.35% |
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 Value Fund (Direct) |
|---|---|---|
| Return (CAGR) | +10.85% | +13.13% |
| Standard deviation | 15.75% | 17.44% |
| Sharpe ratio | 0.36 | 0.39 |
| Sortino ratio | 0.48 | 0.52 |
| Maximum drawdown | −33.9% (23-03-2020) | −58.5% (23-03-2020) |
| Beta | 0.89 | -- |
| Alpha | −1.75% | -- |
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 Value Fund (Regular)
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) | −33.9% | 13-02-2020 | 23-03-2020 | 10-11-2020 | 8 months | −7.9% |
| Aditya Birla Sun Life Value Fund (Regular) | −44.2% | 27-05-2019 | 23-03-2020 | 09-12-2020 | 9 months | −8.9% |
| Nifty 500 TRI | −38.1% | 17-01-2020 | 23-03-2020 | 06-11-2020 | 7 months | −8.8% |
From daily values since 12-02-2019, 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 Value Fund (Regular)
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 Value Fund (Regular)
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 Value Fund (Regular)
Nifty 500 TRI
Against Nifty 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Aditya Birla Sun Life Bal Bhavishya Yojna (Direct) | 86% | 90% | 4.86% |
| Aditya Birla Sun Life Value Fund (Regular) | 106% | 108% | 7.08% |
From month-end values since 12-02-2019. 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 Value: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life Bal Bhavishya Yojna, September 2026; Aditya Birla Sun Life Value Fund, September 2026
Holdings in common
- Overlap
- 35.5%
- Held by both
- 22
- Only in Aditya Birla Sun Life Bal Bhavishya Yojna
- 45
- Only in Aditya Birla Sun Life Value
- 46
| Security | % of Aditya Birla Sun Life Bal Bhavishya Yojna | % of Aditya Birla Sun Life Value |
|---|---|---|
| HDFC Bank Ltd. | 3.56% | 4.89% |
| Reliance Industries Ltd. | 3.28% | 3.14% |
| ICICI Bank Ltd. | 5.74% | 2.96% |
| State Bank of India | 2.06% | 3.27% |
| Welspun Corp Ltd. | 2.04% | 2.75% |
| Axis Bank Ltd. | 2.77% | 1.98% |
| Shriram Finance Ltd. | 1.97% | 3.10% |
| Infosys Ltd. | 2.29% | 1.85% |
| Tech Mahindra Ltd. | 1.78% | 2.66% |
| Bharat Heavy Electricals Ltd. | 1.74% | 2.32% |
| Grasim Industries Ltd. | 1.70% | 1.83% |
| Vedanta Aluminium Metal Ltd. | 1.22% | 1.38% |
| Jindal Steel Ltd. | 1.18% | 1.35% |
| GMR Airports Ltd. | 1.61% | 1.16% |
| Adani Ports and Special Economic Zone Ltd. | 1.13% | 1.89% |
| Minda Corporation Ltd. | 1.06% | 3.10% |
| Ambuja Cements Ltd. | 1.02% | 1.42% |
| LTM Ltd. | 1.01% | 1.48% |
| Balrampur Chini Mills Ltd. | 1.22% | 0.97% |
| SBI Life Insurance Co. Ltd. | 1.13% | 0.74% |
| Cyient Ltd. | 0.73% | 1.10% |
| Container Corporation of India Ltd. | 1.23% | 0.50% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 35.5% means 35.5% 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 |
|---|---|
| Meesho Ltd. | 2.59% |
| Bharti Airtel Ltd. | 2.45% |
| Eternal Ltd. | 2.07% |
| Hindalco Industries Ltd. | 2.04% |
| Samvardhana Motherson International Ltd. | 1.86% |
Largest holdings only in Aditya Birla Sun Life Value Fund
| Security | % of fund |
|---|---|
| Swiggy Ltd. | 3.40% |
| Adani Enterprises Ltd. | 2.35% |
| PNB Housing Finance Ltd. | 2.25% |
| ITC Ltd. | 2.20% |
| NTPC Ltd. | 2.01% |
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 Value |
|---|---|---|
| Equity | 98.5% | 97.7% |
| Debt | 0.0% | 0.0% |
| Cash and others | 1.5% | 2.3% |
Market cap of stocks
| Market cap | Aditya Birla Sun Life Bal Bhavishya Yojna | Aditya Birla Sun Life Value |
|---|---|---|
| Large Cap | 55.3% | 52.2% |
| Mid Cap | 15.0% | 13.4% |
| Small Cap | 26.9% | 32.1% |
| Not on AMFI's list | 1.3% | 0.0% |
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 Value |
|---|---|---|
| Banks | 16.3% | 14.6% |
| IT - Software | 6.7% | 8.9% |
| Auto Components | 5.4% | 7.5% |
| Retailing | 7.0% | 3.4% |
| Finance | 3.1% | 6.7% |
| Industrial Products | 3.3% | 5.7% |
| Pharmaceuticals & Biotechnology | 3.6% | 4.9% |
| Consumer Durables | 3.5% | 0.0% |
The six largest sectors of each fund's stocks, % of the fund.
Aditya Birla Sun Life Bal Bhavishya Yojna vs Aditya Birla Sun Life Value: 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 Value Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.17% | 1.22% |
| Base expense ratio (Direct) | 0.87% | 0.87% |
| Total expense ratio (Regular) | 2.31% | 2.02% |
| Base expense ratio (Regular) | 1.88% | 1.56% |
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
Aditya Birla Sun Life Bal Bhavishya Yojna vs Aditya Birla Sun Life Value Fund: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life Bal Bhavishya Yojna and Aditya Birla Sun Life Value Fund?
Aditya Birla Sun Life Bal Bhavishya Yojna is a Solution fund, Aditya Birla Sun Life Value Fund is a Value and Contra fund, run by Aditya Birla Sun Life Mutual Fund. Their portfolios overlap 35.5%. Aditya Birla Sun Life Bal Bhavishya Yojna charges 1.17% a year and Aditya Birla Sun Life Value Fund 1.22%.
Which has given higher returns, Aditya Birla Sun Life Bal Bhavishya Yojna or Aditya Birla Sun Life Value Fund?
Over 1 year: Aditya Birla Sun Life Bal Bhavishya Yojna −3.65%, Aditya Birla Sun Life Value Fund −6.14%. Over 3 years: Aditya Birla Sun Life Bal Bhavishya Yojna +10.36% a year, Aditya Birla Sun Life Value Fund +4.90% a year. Over 5 years: Aditya Birla Sun Life Bal Bhavishya Yojna +8.72% a year, Aditya Birla Sun Life Value Fund +5.05% 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 Value Fund?
Aditya Birla Sun Life Bal Bhavishya Yojna charges less: 1.17% a year against 1.22%. 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 Value Fund overlap?
35.5%. They hold 22 of the same securities, the largest shared ones being HDFCBANK, RELIANCE, ICICIBANK. From each fund's latest monthly portfolio.
Which is riskier, Aditya Birla Sun Life Bal Bhavishya Yojna or Aditya Birla Sun Life Value Fund?
On SEBI's riskometer, Aditya Birla Sun Life Bal Bhavishya Yojna is rated Very High and Aditya Birla Sun Life Value Fund Very High. Over 3 years, the standard deviation of daily returns was 14.63% and 16.55% a year.
Which is better for SIP, Aditya Birla Sun Life Bal Bhavishya Yojna or Aditya Birla Sun Life Value 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 ₹8,06,346 in Aditya Birla Sun Life Value Fund (XIRR 10.9% 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 Value Fund?
Yes. 35.5% 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 Value Fund?
Aditya Birla Sun Life Bal Bhavishya Yojna: Chanchal Khandelwal, Harshil Suvarnkar. Aditya Birla Sun Life Value Fund: Kunal Sangoi.
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.