Aditya Birla Sun Life Consumption Fund vs LIC MF Consumption Fund
Direct Plan, Growth option · Data as on 30-10-2026
Aditya Birla Sun Life Consumption Fund is a Thematic fund and LIC MF Consumption Fund is a Thematic fund. Aditya Birla Sun Life Consumption Fund charges 0.97% a year and LIC MF Consumption Fund 1.22% (Direct plans). Their portfolios overlap 35.6%: they hold 25 of the same securities.
Aditya Birla Sun Life Consumption Fund
Thematic
- Expense ratio
- 0.97%
- NAV
- ₹225.96
Which is better, Aditya Birla Sun Life Consumption or LIC MF Consumption? 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 Consumption costs less: 0.97% a year against 1.22% (Direct plans).
- LIC MF Consumption fell less in its worst fall since 25-11-2025: −14.8% against −16.5%.
- Aditya Birla Sun Life Consumption holds more in large companies: 65.5% of the fund in large caps against 36.7%.
- Aditya Birla Sun Life Consumption is the larger fund: ₹5,697 Cr against ₹424 Cr.
- Their portfolios overlap 35.6%: 25 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 | LIC MF Consumption Fund |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | LIC Mutual Fund |
| Category | Thematic | Thematic |
| AUM | ₹5,697 Cr (30-09-2026) | ₹424 Cr (30-09-2026) |
| NAV | ₹225.96 (Direct) | ₹9.16 (Direct) |
| Expense ratio (Direct) | 0.97% | 1.22% |
| Expense ratio (Regular) | 1.95% | 2.73% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty India Consumption TRI | Nifty India Consumption TRI |
| Launch date | 05-08-2005 | 21-11-2025 |
| Minimum investment | ₹1,000 | ₹5,000 |
| Lock in | None | None |
| Fund managers | Chanchal Khandelwal | Sumit Bhatnagar, Nikhil Kapoor |
| Exit load | Exit load of 1%, if redeemed within 30 days. | Exit Load for units in excess of 12% of the investment,1% will be charged for redemption within 90 days. |
Aditya Birla Sun Life Consumption vs LIC MF 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% |
| LIC MF Consumption Fund (Direct) | −2.54% | −7.77% | −2.41% | -- | -- | -- | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | -- | -- | -- | -- |
Category average: the average of the 235 Thematic funds, same plan type.
Aditya Birla Sun Life Consumption vs LIC MF Consumption: Year-wise Returns
| Year | Aditya Birla Sun LifeAditya Birla Sun Life Consumption | LIC MFLIC MF Consumption | Nifty India Consumption TRI |
|---|---|---|---|
| 2026to date | −10.35% | −8.21% | −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 LIC MF Consumption: Rolling Returns
Every holding period of both funds, against Nifty India Consumption TRI, the benchmark of both
Aditya Birla Sun Life Consumption vs LIC MF 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) | LIC MF Consumption Fund (Direct) |
|---|---|---|
| Return (CAGR) | +15.11% | −9.11% |
| Standard deviation | 14.66% | 14.76% |
| Sharpe ratio | 0.62 | -0.97 |
| Sortino ratio | 0.84 | -1.30 |
| Maximum drawdown | −34.5% (23-03-2020) | −14.8% (23-03-2026) |
| Beta | 0.88 | 0.87 |
| Alpha | +2.93% | −0.46% |
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)
LIC MF 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) | −16.5% | 26-11-2025 | 30-03-2026 | Not yet | -- | −11.0% |
| LIC MF Consumption Fund (Direct) | −14.8% | 26-11-2025 | 23-03-2026 | 03-08-2026 | 4 months | −9.8% |
| Nifty India Consumption TRI | −17.2% | 26-11-2025 | 30-03-2026 | Not yet | -- | −10.6% |
From daily values since 25-11-2025, the first day every fund has.
Aditya Birla Sun Life Consumption vs LIC MF Consumption: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life Consumption Fund, September 2026; LIC MF Consumption Fund, September 2026
Holdings in common
- Overlap
- 35.6%
- Held by both
- 25
- Only in Aditya Birla Sun Life Consumption
- 39
- Only in LIC MF Consumption
- 28
| Security | % of Aditya Birla Sun Life Consumption | % of LIC MF Consumption |
|---|---|---|
| Eternal Ltd. | 7.35% | 5.28% |
| Bharti Airtel Ltd. | 5.30% | 3.45% |
| TVS Motor Company Ltd. | 3.87% | 2.41% |
| Trent Ltd. | 2.85% | 2.03% |
| Mahindra & Mahindra Ltd. | 4.39% | 1.94% |
| Axis Bank Ltd. | 1.83% | 2.16% |
| Interglobe Aviation Ltd. | 1.66% | 1.76% |
| Britannia Industries Ltd. | 1.91% | 1.40% |
| Titan Company Ltd. | 2.90% | 1.31% |
| Hyundai Motor India Ltd. | 1.28% | 1.73% |
| Varun Beverages Ltd. | 1.73% | 1.17% |
| Vishal Mega Mart Ltd. | 1.14% | 2.38% |
| Metro Brands Ltd. | 1.12% | 1.69% |
| Apollo Hospitals Enterprise Ltd. | 1.02% | 1.13% |
| Swiggy Ltd. | 1.01% | 1.50% |
| Radico Khaitan Ltd. | 1.00% | 1.31% |
| ICICI Lombard General Insurance Company Ltd. | 0.98% | 1.58% |
| Mrs. Bectors Food Specialities Ltd. | 0.82% | 2.71% |
| Bikaji Foods International Ltd. | 0.80% | 0.84% |
| Orkla India Ltd. | 0.77% | 1.17% |
| Bajaj Finance Ltd. | 0.77% | 1.65% |
| Eureka Forbes Ltd. | 0.70% | 2.46% |
| Eicher Motors Ltd. | 0.60% | 1.73% |
| Lenskart Solutions Ltd. | 2.40% | 0.59% |
| FSN E-Commerce Ventures Ltd. | 1.52% | 0.51% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 35.6% means 35.6% 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% |
| ITC Ltd. | 3.04% |
| Hindustan Unilever Ltd. | 2.83% |
| Meesho Ltd. | 2.71% |
Largest holdings only in LIC MF Consumption Fund
| Security | % of fund |
|---|---|
| The Indian Hotels Company Ltd. | 3.54% |
| ITC Hotels Ltd. | 2.99% |
| LG Electronics India Ltd. | 2.79% |
| Leela Palaces Hotels & Resorts Ltd. | 2.67% |
| JK Cement Ltd. | 2.64% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Aditya Birla Sun Life Consumption | LIC MF Consumption |
|---|---|---|
| Equity | 99.1% | 93.9% |
| Debt | 0.0% | 0.0% |
| Cash and others | 0.9% | 6.1% |
Market cap of stocks
| Market cap | Aditya Birla Sun Life Consumption | LIC MF Consumption |
|---|---|---|
| Large Cap | 65.5% | 36.7% |
| Mid Cap | 19.6% | 28.7% |
| Small Cap | 13.7% | 28.0% |
| Not on AMFI's list | 0.3% | 0.5% |
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 Consumption | LIC MF Consumption |
|---|---|---|
| Retailing | 24.3% | 14.5% |
| Automobiles | 14.1% | 7.8% |
| Consumer Durables | 9.3% | 12.3% |
| Leisure Services | 1.6% | 9.2% |
| Banks | 7.7% | 2.2% |
| Beverages | 6.6% | 3.9% |
| Food Products | 6.1% | 6.1% |
| Pharmaceuticals & Biotechnology | 1.6% | 5.5% |
The six largest sectors of each fund's stocks, % of the fund.
Aditya Birla Sun Life Consumption vs LIC MF Consumption: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life Consumption Fund | LIC MF Consumption Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.97% | 1.22% |
| Base expense ratio (Direct) | 0.73% | 0.77% |
| Total expense ratio (Regular) | 1.95% | 2.73% |
| Base expense ratio (Regular) | 1.58% | 2.10% |
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 LIC MF Consumption Fund: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life Consumption Fund and LIC MF Consumption Fund?
Aditya Birla Sun Life Consumption Fund is a Thematic fund, LIC MF Consumption Fund is a Thematic fund, run by Aditya Birla Sun Life Mutual Fund and LIC Mutual Fund. Their portfolios overlap 35.6%. Aditya Birla Sun Life Consumption Fund charges 0.97% a year and LIC MF Consumption Fund 1.22%.
Which has the lower expense ratio, Aditya Birla Sun Life Consumption Fund or LIC MF Consumption Fund?
Aditya Birla Sun Life Consumption Fund charges less: 0.97% a year against 1.22%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Aditya Birla Sun Life Consumption Fund and LIC MF Consumption Fund overlap?
35.6%. They hold 25 of the same securities, the largest shared ones being ETERNAL, BHARTIARTL, TVSMOTOR. From each fund's latest monthly portfolio.
Which is riskier, Aditya Birla Sun Life Consumption Fund or LIC MF Consumption Fund?
On SEBI's riskometer, Aditya Birla Sun Life Consumption Fund is rated Very High and LIC MF Consumption Fund Very High. Over their common history, the standard deviation of daily returns was 14.66% and 14.76% a year.
Can I invest in both Aditya Birla Sun Life Consumption Fund and LIC MF Consumption Fund?
Yes. 35.6% 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 Consumption Fund and LIC MF Consumption Fund?
Aditya Birla Sun Life Consumption Fund: Chanchal Khandelwal. LIC MF Consumption Fund: Sumit Bhatnagar, Nikhil Kapoor.
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.