Aditya Birla Sun Life Consumption Fund vs HDFC Nifty India Consumption Index Fund
Direct Plan, Growth option · Data as on 30-10-2026
Aditya Birla Sun Life Consumption Fund is a Thematic fund and HDFC Nifty India Consumption Index Fund is an Index fund. Aditya Birla Sun Life Consumption Fund charges 0.97% a year and HDFC Nifty India Consumption Index Fund 0.44% (Direct plans). Their portfolios overlap 51.7%: they hold 21 of the same securities.
Aditya Birla Sun Life Consumption Fund
Thematic
- Expense ratio
- 0.97%
- NAV
- ₹225.96
HDFC Nifty India Consumption Index Fund
Index
- Expense ratio
- 0.44%
- NAV
- ₹9.34
Which is better, Aditya Birla Sun Life Consumption or HDFC Nifty India Consumption Index? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- HDFC Nifty India Consumption Index costs less: 0.44% a year against 0.97% (Direct plans).
- HDFC Nifty India Consumption Index fell less in its worst fall since 18-02-2026: −13.3% against −13.7%.
- HDFC Nifty India Consumption Index holds more in large companies: 88.0% of the fund in large caps against 65.5%.
- Aditya Birla Sun Life Consumption is the larger fund: ₹5,697 Cr against ₹105 Cr.
- Their portfolios overlap 51.7%: 21 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 | HDFC Nifty India Consumption Index Fund |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | HDFC Mutual Fund |
| Category | Thematic | Index |
| AUM | ₹5,697 Cr (30-09-2026) | ₹105 Cr (30-09-2026) |
| NAV | ₹225.96 (Direct) | ₹9.34 (Direct) |
| Expense ratio (Direct) | 0.97% | 0.44% |
| Expense ratio (Regular) | 1.95% | 0.88% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty India Consumption TRI | Nifty India Consumption TRI |
| Launch date | 05-08-2005 | 18-02-2026 |
| Minimum investment | ₹1,000 | ₹100 |
| Lock in | None | None |
| Fund managers | Chanchal Khandelwal | Nandita Menezes, Arun Agarwal |
| Exit load | Exit load of 1%, if redeemed within 30 days. | NIL |
Aditya Birla Sun Life Consumption vs HDFC Nifty India Consumption Index: 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% |
| HDFC Nifty India Consumption Index Fund (Direct) | +0.10% | −8.12% | −2.37% | -- | -- | -- | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | +13.76% | +11.62% | +13.76% |
Category average: the average of the 235 Thematic funds, same plan type.
Aditya Birla Sun Life Consumption vs HDFC Nifty India Consumption Index: Year-wise Returns
| Year | Aditya Birla Sun Life ConsumptionAditya Birla Sun Life Consumption | HDFC Nifty India Consumption IndexHDFC Nifty India Consumption Index | Nifty India Consumption TRI |
|---|---|---|---|
| 2026to date | −10.35% | -- | −9.10% |
| 2025 | +5.37% | -- | +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 HDFC Nifty India Consumption Index: Rolling Returns
Every holding period of both funds, against Nifty India Consumption TRI, the benchmark of both
Aditya Birla Sun Life Consumption vs HDFC Nifty India Consumption Index: 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) | HDFC Nifty India Consumption Index Fund (Direct) |
|---|---|---|
| Return (CAGR) | +15.11% | −9.25% |
| Standard deviation | 14.66% | 16.56% |
| Sharpe ratio | 0.62 | -0.88 |
| Sortino ratio | 0.84 | -1.15 |
| Maximum drawdown | −34.5% (23-03-2020) | −13.3% (31-03-2026) |
| Beta | 0.88 | 1.00 |
| Alpha | +2.93% | −0.31% |
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)
HDFC Nifty India Consumption Index 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) | −13.7% | 18-02-2026 | 30-03-2026 | 03-08-2026 | 4 months | −8.5% |
| HDFC Nifty India Consumption Index Fund (Direct) | −13.3% | 18-02-2026 | 31-03-2026 | 27-07-2026 | 4 months | −9.5% |
| Nifty India Consumption TRI | −13.2% | 18-02-2026 | 30-03-2026 | 27-07-2026 | 4 months | −9.5% |
From daily values since 18-02-2026, the first day every fund has.
Aditya Birla Sun Life Consumption vs HDFC Nifty India Consumption Index: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life Consumption Fund, September 2026; HDFC Nifty India Consumption Index Fund, September 2026
Holdings in common
- Overlap
- 51.7%
- Held by both
- 21
- Only in Aditya Birla Sun Life Consumption
- 43
- Only in HDFC Nifty India Consumption Index
- 8
| Security | % of Aditya Birla Sun Life Consumption | % of HDFC Nifty India Consumption Index |
|---|---|---|
| Eternal Ltd. | 7.35% | 7.20% |
| Bharti Airtel Ltd. | 5.30% | 10.12% |
| Mahindra & Mahindra Ltd. | 4.39% | 8.18% |
| Maruti Suzuki India Ltd. | 3.20% | 4.83% |
| ITC Ltd. | 3.04% | 7.86% |
| TVS Motor Company Ltd. | 3.87% | 3.02% |
| Titan Company Ltd. | 2.90% | 5.89% |
| Hindustan Unilever Ltd. | 2.83% | 5.18% |
| Trent Ltd. | 2.85% | 2.71% |
| Avenue Supermarts Ltd. | 2.54% | 1.92% |
| Tata Consumer Products Ltd. | 2.17% | 1.92% |
| Britannia Industries Ltd. | 1.91% | 1.77% |
| Varun Beverages Ltd. | 1.73% | 1.83% |
| Interglobe Aviation Ltd. | 1.66% | 3.50% |
| Nestle India Ltd. | 1.52% | 2.92% |
| Asian Paints Ltd. | 1.36% | 3.37% |
| Info Edge (India) Ltd. | 1.28% | 1.47% |
| United Spirits Ltd. | 2.35% | 1.25% |
| Godrej Consumer Products Ltd. | 1.75% | 1.06% |
| Apollo Hospitals Enterprise Ltd. | 1.02% | 2.61% |
| Eicher Motors Ltd. | 0.60% | 3.06% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 51.7% means 51.7% 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% |
| Meesho Ltd. | 2.71% |
| Lenskart Solutions Ltd. | 2.40% |
| HDFC Bank Ltd. | 2.22% |
| Axis Bank Ltd. | 1.83% |
Largest holdings only in HDFC Nifty India Consumption Index Fund
| Security | % of fund |
|---|---|
| Bajaj Auto Limited | 3.68% |
| Torrent Pharmaceuticals Ltd. | 2.16% |
| Max Healthcare Institute Limited | 2.15% |
| Hero MotoCorp Ltd. | 2.12% |
| Indian Hotels Company Ltd. | 1.99% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Aditya Birla Sun Life Consumption | HDFC Nifty India Consumption Index |
|---|---|---|
| Equity | 99.1% | 98.7% |
| Debt | 0.0% | 0.0% |
| Cash and others | 0.9% | 1.3% |
Market cap of stocks
| Market cap | Aditya Birla Sun Life Consumption | HDFC Nifty India Consumption Index |
|---|---|---|
| Large Cap | 65.5% | 88.0% |
| Mid Cap | 19.6% | 10.7% |
| Small Cap | 13.7% | 0.0% |
| Not on AMFI's list | 0.3% | 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 Consumption | HDFC Nifty India Consumption Index |
|---|---|---|
| Automobiles | 14.1% | 24.9% |
| Retailing | 24.3% | 13.3% |
| Diversified FMCG | 5.9% | 13.0% |
| Consumer Durables | 9.3% | 11.0% |
| Telecom - Services | 5.3% | 10.1% |
| Banks | 7.7% | 0.0% |
| Beverages | 6.6% | 3.1% |
| Food Products | 6.1% | 4.7% |
| Healthcare Services | 1.1% | 4.8% |
The six largest sectors of each fund's stocks, % of the fund.
Aditya Birla Sun Life Consumption vs HDFC Nifty India Consumption Index: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life Consumption Fund | HDFC Nifty India Consumption Index Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.97% | 0.44% |
| Base expense ratio (Direct) | 0.73% | 0.30% |
| Total expense ratio (Regular) | 1.95% | 0.88% |
| Base expense ratio (Regular) | 1.58% | 0.69% |
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 Consumption Fund vs HDFC Nifty India Consumption Index Fund: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life Consumption Fund and HDFC Nifty India Consumption Index Fund?
Aditya Birla Sun Life Consumption Fund is a Thematic fund, HDFC Nifty India Consumption Index Fund is an Index fund, run by Aditya Birla Sun Life Mutual Fund and HDFC Mutual Fund. Their portfolios overlap 51.7%. Aditya Birla Sun Life Consumption Fund charges 0.97% a year and HDFC Nifty India Consumption Index Fund 0.44%.
Which has the lower expense ratio, Aditya Birla Sun Life Consumption Fund or HDFC Nifty India Consumption Index Fund?
HDFC Nifty India Consumption Index Fund charges less: 0.44% a year against 0.97%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Aditya Birla Sun Life Consumption Fund and HDFC Nifty India Consumption Index Fund overlap?
51.7%. They hold 21 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 HDFC Nifty India Consumption Index Fund?
On SEBI's riskometer, Aditya Birla Sun Life Consumption Fund is rated Very High and HDFC Nifty India Consumption Index Fund Very High. Over their common history, the standard deviation of daily returns was 14.66% and 16.56% a year.
Can I invest in both Aditya Birla Sun Life Consumption Fund and HDFC Nifty India Consumption Index Fund?
Yes. 51.7% 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 HDFC Nifty India Consumption Index Fund?
Aditya Birla Sun Life Consumption Fund: Chanchal Khandelwal. HDFC Nifty India Consumption Index Fund: Nandita Menezes, Arun Agarwal.
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.