Aditya Birla Sun Life Consumption Fund vs Bajaj Finserv Consumption Fund
Direct Plan, Growth option · Data as on 30-10-2026
Aditya Birla Sun Life Consumption Fund is a Thematic fund and Bajaj Finserv Consumption Fund is a Thematic fund. In the year to 30-10-2026, Aditya Birla Sun Life Consumption Fund (Direct) returned −11.6% and Bajaj Finserv Consumption Fund (Direct) returned −10.2%. Aditya Birla Sun Life Consumption Fund charges 0.97% a year and Bajaj Finserv Consumption Fund 1.23% (Direct plans). Their portfolios overlap 42.2%: they hold 20 of the same securities.
Aditya Birla Sun Life Consumption Fund
Thematic
- 1 year return
- −11.6%
- Expense ratio
- 0.97%
- NAV
- ₹225.96
Bajaj Finserv Consumption Fund
Thematic
- 1 year return
- −10.2%
- Expense ratio
- 1.23%
- NAV
- ₹9.07
Which is better, Aditya Birla Sun Life Consumption or Bajaj Finserv Consumption? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Bajaj Finserv Consumption returned more over 1 year: −10.2% against −11.6%.
- Aditya Birla Sun Life Consumption costs less: 0.97% a year against 1.23% (Direct plans).
- Aditya Birla Sun Life Consumption fell less in its worst fall since 03-12-2024: −17.5% against −21.4%.
- Aditya Birla Sun Life Consumption holds more in large companies: 65.5% of the fund in large caps against 43.6%.
- Aditya Birla Sun Life Consumption is the larger fund: ₹5,697 Cr against ₹565 Cr.
- Their portfolios overlap 42.2%: 20 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 Consumption Fund | Bajaj Finserv Consumption Fund |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | Bajaj Finserv Mutual Fund |
| Category | Thematic | Thematic |
| AUM | ₹5,697 Cr (30-09-2026) | ₹565 Cr (30-09-2026) |
| NAV | ₹225.96 (Direct) | ₹9.07 (Direct) |
| Expense ratio (Direct) | 0.97% | 1.23% |
| Expense ratio (Regular) | 1.95% | 2.90% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty India Consumption TRI | Nifty India Consumption TRI |
| Launch date | 05-08-2005 | 29-11-2024 |
| Minimum investment | ₹1,000 | ₹500 |
| Lock in | None | None |
| Fund managers | Chanchal Khandelwal | Sayan Das Sharma, Kishore Agarwal, Siddharth Chaudhary |
| Exit load | Exit load of 1%, if redeemed within 30 days. | Exit load of 1%, if redeemed within 3 months. |
Aditya Birla Sun Life Consumption vs Bajaj Finserv Consumption: 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 Consumption Fund (Direct) | −0.99% | −6.82% | −2.70% | −11.55% | +7.96% | +8.18% | +12.92% |
| Bajaj Finserv Consumption Fund (Direct) | −1.54% | −5.86% | +0.43% | −10.22% | -- | -- | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | -- | -- | -- |
Category average: the average of the 235 Thematic funds, same plan type.
Aditya Birla Sun Life Consumption vs Bajaj Finserv Consumption: Year-wise Returns
| Year | Aditya Birla Sun LifeAditya Birla Sun Life Consumption | Bajaj FinservBajaj Finserv Consumption | Nifty India Consumption TRI |
|---|---|---|---|
| 2026to date | −10.35% | −5.39% | −9.10% |
| 2025 | +5.37% | −4.52% | +9.22% |
| 2024 | +18.76% | -- | +19.77% |
| 2023 | +26.58% | -- | +27.96% |
| 2022 | +6.34% | -- | +8.53% |
| 2021 | +31.22% | -- | +20.82% |
Aditya Birla Sun Life Consumption vs Bajaj Finserv Consumption: Rolling Returns
Every holding period of both funds, against Nifty India Consumption TRI, the benchmark of both
Rolling returns
Every 1-year holding period, 224 of them, one for each trading day from 03-12-2025 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 Consumption Fund (Direct)
Bajaj Finserv Consumption Fund (Direct)
Nifty India Consumption TRI
to
Dec 2025Feb 2025
to
Feb 2026Apr 2025
to
Apr 2026Jun 2025
to
Jun 2026Aug 2025
to
Aug 2026Oct 2025
to
Oct 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 Consumption | 59.8 | 23.2 | 12.5 | 4.5 | 0.0 | 0.0 | 0.0 | −1.3% | −2.3% | −14.8% | 11.9% | 5% |
| Bajaj Finserv Consumption | 84.8 | 15.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | −3.7% | −3.9% | −12.3% | 4.7% | 21% |
| Nifty India Consumption TRI | 38.4 | 31.3 | 21.4 | 8.9 | 0.0 | 0.0 | 0.0 | 1.4% | 1.2% | −14.2% | 13.4% | -- |
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 India Consumption 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 03-12-2024. Past returns do not promise future returns.
Aditya Birla Sun Life Consumption vs Bajaj Finserv Consumption: 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 02-12-2024 to 30-10-2026: 23 instalments, ₹2,30,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Aditya Birla Sun Life ConsumptionAditya Birla Sun Life Consumption Fund (Direct) | ₹2,30,000 | ₹2,18,695 | −₹11,305 | −5.0% |
| Bajaj Finserv ConsumptionBajaj Finserv Consumption Fund (Direct) | ₹2,30,000 | ₹2,22,467 | −₹7,533 | −3.3% |
Aditya Birla Sun Life ConsumptionAditya Birla Sun Life Consumption Fund (Direct)
Bajaj Finserv ConsumptionBajaj Finserv Consumption 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 Consumption vs Bajaj Finserv Consumption: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Aditya Birla Sun Life Consumption Fund (Direct) | Bajaj Finserv Consumption Fund (Direct) |
|---|---|---|
| Return (CAGR) | −11.55% | −10.22% |
| Standard deviation | 13.94% | 15.01% |
| Sharpe ratio | -1.21 | -1.03 |
| Sortino ratio | -1.57 | -1.35 |
| Maximum drawdown | −17.0% (30-03-2026) | −20.3% (23-03-2026) |
| Beta | 0.90 | 0.92 |
| Alpha | −2.53% | −0.87% |
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 Consumption Fund (Direct) | Bajaj Finserv Consumption Fund (Direct) |
|---|---|---|
| Return (CAGR) | +15.11% | −5.47% |
| Standard deviation | 14.66% | 14.32% |
| Sharpe ratio | 0.62 | -0.77 |
| Sortino ratio | 0.84 | -1.03 |
| Maximum drawdown | −34.5% (23-03-2020) | −21.4% (23-03-2026) |
| Beta | 0.88 | 0.90 |
| Alpha | +2.93% | −4.94% |
From daily NAVs, 02-01-2013 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 Consumption Fund (Direct)
Bajaj Finserv Consumption Fund (Direct)
Nifty India Consumption TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Consumption Fund (Direct) | −17.5% | 18-09-2025 | 30-03-2026 | Not yet | -- | −12.1% |
| Bajaj Finserv Consumption Fund (Direct) | −21.4% | 02-01-2025 | 23-03-2026 | Not yet | -- | −11.4% |
| Nifty India Consumption TRI | −18.1% | 20-10-2025 | 30-03-2026 | Not yet | -- | −11.6% |
From daily values since 03-12-2024, 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 Consumption Fund (Direct)
Bajaj Finserv Consumption Fund (Direct)
Nifty India Consumption TRI
Against Nifty India Consumption TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Aditya Birla Sun Life Consumption Fund (Direct) | 84% | 97% | 3.74% |
| Bajaj Finserv Consumption Fund (Direct) | 82% | 104% | 5.41% |
From month-end values since 03-12-2024. 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 Consumption vs Bajaj Finserv Consumption: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life Consumption Fund, September 2026; Bajaj Finserv Consumption Fund, September 2026
Holdings in common
- Overlap
- 42.2%
- Held by both
- 20
- Only in Aditya Birla Sun Life Consumption
- 44
- Only in Bajaj Finserv Consumption
- 34
| Security | % of Aditya Birla Sun Life Consumption | % of Bajaj Finserv Consumption |
|---|---|---|
| Eternal Ltd. | 7.35% | 7.51% |
| Bharti Airtel Ltd. | 5.30% | 4.67% |
| Mahindra & Mahindra Ltd. | 4.39% | 4.86% |
| Hindustan Unilever Ltd. | 2.83% | 3.10% |
| Trent Ltd. | 2.85% | 2.54% |
| TVS Motor Company Ltd. | 3.87% | 2.49% |
| Titan Company Ltd. | 2.90% | 2.39% |
| ITC Ltd. | 3.04% | 1.94% |
| Lenskart Solutions Ltd. | 2.40% | 1.75% |
| Varun Beverages Ltd. | 1.73% | 1.53% |
| Tata Consumer Products Ltd. | 2.17% | 1.51% |
| Nestle India Ltd. | 1.52% | 1.37% |
| Asian Paints Ltd. | 1.36% | 2.17% |
| Metro Brands Ltd. | 1.12% | 1.84% |
| United Spirits Ltd. | 2.35% | 1.08% |
| Radico Khaitan Ltd. | 1.00% | 1.09% |
| Devyani International Ltd. | 0.85% | 1.23% |
| Whirlpool of India Ltd. | 0.86% | 0.75% |
| Tata Motors Ltd. | 0.74% | 0.94% |
| Apollo Hospitals Enterprise Ltd. | 1.02% | 0.52% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 42.2% means 42.2% 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 Consumption Fund
| Security | % of fund |
|---|---|
| ICICI Bank Ltd. | 3.62% |
| Maruti Suzuki India Ltd. | 3.20% |
| Meesho Ltd. | 2.71% |
| Avenue Supermarts Ltd. | 2.54% |
| HDFC Bank Ltd. | 2.22% |
Largest holdings only in Bajaj Finserv Consumption Fund
| Security | % of fund |
|---|---|
| Zydus Wellness Limited | 4.13% |
| Bajaj Auto Limited | 3.83% |
| PVR INOX Limited | 2.90% |
| Safari Industries (India) Limited | 2.75% |
| Samvardhana Motherson International Limited | 2.25% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Aditya Birla Sun Life Consumption | Bajaj Finserv Consumption |
|---|---|---|
| Equity | 99.1% | 94.0% |
| Debt | 0.0% | 0.0% |
| Cash and others | 0.9% | 6.0% |
Market cap of stocks
| Market cap | Aditya Birla Sun Life Consumption | Bajaj Finserv Consumption |
|---|---|---|
| Large Cap | 65.5% | 43.6% |
| Mid Cap | 19.6% | 7.6% |
| Small Cap | 13.7% | 39.3% |
| Not on AMFI's list | 0.3% | 3.4% |
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 Consumption | Bajaj Finserv Consumption |
|---|---|---|
| Retailing | 24.3% | 12.6% |
| Consumer Durables | 9.3% | 22.2% |
| Automobiles | 14.1% | 11.2% |
| Banks | 7.7% | 0.0% |
| Auto Components | 0.0% | 6.7% |
| Beverages | 6.6% | 3.9% |
| Food Products | 6.1% | 6.5% |
| Diversified FMCG | 5.9% | 5.0% |
The six largest sectors of each fund's stocks, % of the fund.
Aditya Birla Sun Life Consumption vs Bajaj Finserv Consumption: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life Consumption Fund | Bajaj Finserv Consumption Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.97% | 1.23% |
| Base expense ratio (Direct) | 0.73% | 0.66% |
| Total expense ratio (Regular) | 1.95% | 2.90% |
| Base expense ratio (Regular) | 1.58% | 2.08% |
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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Compare Bajaj Finserv Consumption with
Aditya Birla Sun Life Consumption Fund vs Bajaj Finserv Consumption Fund: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life Consumption Fund and Bajaj Finserv Consumption Fund?
Aditya Birla Sun Life Consumption Fund is a Thematic fund, Bajaj Finserv Consumption Fund is a Thematic fund, run by Aditya Birla Sun Life Mutual Fund and Bajaj Finserv Mutual Fund. Their portfolios overlap 42.2%. Aditya Birla Sun Life Consumption Fund charges 0.97% a year and Bajaj Finserv Consumption Fund 1.23%.
Which has given higher returns, Aditya Birla Sun Life Consumption Fund or Bajaj Finserv Consumption Fund?
Over 1 year: Aditya Birla Sun Life Consumption Fund −11.55%, Bajaj Finserv Consumption Fund −10.22%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Aditya Birla Sun Life Consumption Fund or Bajaj Finserv Consumption Fund?
Aditya Birla Sun Life Consumption Fund charges less: 0.97% a year against 1.23%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Aditya Birla Sun Life Consumption Fund and Bajaj Finserv Consumption Fund overlap?
42.2%. They hold 20 of the same securities, the largest shared ones being ETERNAL, BHARTIARTL, M&M. From each fund's latest monthly portfolio.
Which is riskier, Aditya Birla Sun Life Consumption Fund or Bajaj Finserv Consumption Fund?
On SEBI's riskometer, Aditya Birla Sun Life Consumption Fund is rated Very High and Bajaj Finserv Consumption Fund Very High. Over 1 years, the standard deviation of daily returns was 13.94% and 15.01% a year.
Can I invest in both Aditya Birla Sun Life Consumption Fund and Bajaj Finserv Consumption Fund?
Yes. 42.2% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages Aditya Birla Sun Life Consumption Fund and Bajaj Finserv Consumption Fund?
Aditya Birla Sun Life Consumption Fund: Chanchal Khandelwal. Bajaj Finserv Consumption Fund: Sayan Das Sharma, Kishore Agarwal, Siddharth Chaudhary.
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.