Aditya Birla Sun Life Consumption Fund vs Tata India Consumer Fund
Direct Plan, Growth option · Data as on 30-10-2026
Aditya Birla Sun Life Consumption Fund is a Thematic fund and Tata India Consumer Fund is a Thematic fund. In the 3 years to 30-10-2026, Aditya Birla Sun Life Consumption Fund (Direct) returned 8.0% a year and Tata India Consumer Fund (Direct) returned 13.1% a year. Aditya Birla Sun Life Consumption Fund charges 0.97% a year and Tata India Consumer Fund 0.93% (Direct plans). Their portfolios overlap 33.1%: they hold 18 of the same securities.
Aditya Birla Sun Life Consumption Fund
Thematic
- 3 year return
- 8.0%
- Expense ratio
- 0.97%
- NAV
- ₹225.96
Tata India Consumer Fund
Thematic
- 3 year return
- 13.1%
- Expense ratio
- 0.93%
- NAV
- ₹52.04
Which is better, Aditya Birla Sun Life Consumption or Tata India Consumer? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Tata India Consumer returned more over 5 years: 12.5% a year against 8.2%.
- Tata India Consumer returned more over 3 years: 13.1% a year against 8.0%.
- Tata India Consumer costs less: 0.93% a year against 0.97% (Direct plans).
- Aditya Birla Sun Life Consumption swung less over 3 years: a standard deviation of 12.7% a year against 14.2%.
- Tata India Consumer fell less in its worst fall since 29-12-2015: −32.5% against −34.5%.
- Aditya Birla Sun Life Consumption holds more in large companies: 65.5% of the fund in large caps against 45.6%.
- Aditya Birla Sun Life Consumption is the larger fund: ₹5,697 Cr against ₹2,723 Cr.
- Their portfolios overlap 33.1%: 18 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 | Tata India Consumer Fund |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | Tata Mutual Fund |
| Category | Thematic | Thematic |
| AUM | ₹5,697 Cr (30-09-2026) | ₹2,723 Cr (30-09-2026) |
| NAV | ₹225.96 (Direct) | ₹52.04 (Direct) |
| Expense ratio (Direct) | 0.97% | 0.93% |
| Expense ratio (Regular) | 1.95% | 2.13% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty India Consumption TRI | Nifty India Consumption TRI |
| Launch date | 05-08-2005 | 28-12-2015 |
| Minimum investment | ₹1,000 | ₹5,000 |
| Lock in | None | None |
| Fund managers | Chanchal Khandelwal | Sonam Udasi, Aditya Bagul |
| Exit load | Exit load of 1%, if redeemed within 30 days. | 0.25% of NAV if redeemed /switched out before 30 days from the date of allotment. |
Aditya Birla Sun Life Consumption vs Tata India Consumer: 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% |
| Tata India Consumer Fund (Direct) | −2.31% | −6.20% | +2.16% | −3.17% | +13.07% | +12.46% | +16.14% |
| 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 Tata India Consumer: Year-wise Returns
| Year | Aditya Birla Sun Life ConsumptionAditya Birla Sun Life Consumption | Tata India ConsumerTata India Consumer | Nifty India Consumption TRI |
|---|---|---|---|
| 2026to date | −10.35% | −0.93% | −9.10% |
| 2025 | +5.37% | −0.88% | +9.22% |
| 2024 | +18.76% | +28.28% | +19.77% |
| 2023 | +26.58% | +37.48% | +27.96% |
| 2022 | +6.34% | +2.38% | +8.53% |
| 2021 | +31.22% | +29.19% | +20.82% |
Aditya Birla Sun Life Consumption vs Tata India Consumer: Rolling Returns
Every holding period of both funds, against Nifty India Consumption TRI, the benchmark of both
Rolling returns
Every 3-year holding period, 1,931 of them, one for each trading day from 31-12-2018 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)
Tata India Consumer Fund (Direct)
Nifty India Consumption TRI
to
Aug 2019Dec 2017
to
Dec 2020Apr 2019
to
Apr 2022Aug 2020
to
Aug 2023Dec 2021
to
Dec 2024Mar 2023
to
Mar 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 | 0.2 | 4.2 | 9.3 | 18.7 | 42.3 | 18.7 | 6.6 | 16.4% | 16.7% | −1.1% | 31.1% | 65% |
| Tata India Consumer | 0.0 | 2.3 | 12.6 | 12.4 | 34.0 | 36.7 | 2.0 | 17.3% | 18.6% | 2.2% | 28.4% | 97% |
| Nifty India Consumption TRI | 0.1 | 6.8 | 16.9 | 24.9 | 33.9 | 17.2 | 0.1 | 14.6% | 15.2% | −1.7% | 26.7% | -- |
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 29-12-2015. Past returns do not promise future returns.
Aditya Birla Sun Life Consumption vs Tata India Consumer: 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 01-12-2015 to 30-10-2026: 131 instalments, ₹13,10,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Aditya Birla Sun Life ConsumptionAditya Birla Sun Life Consumption Fund (Direct) | ₹13,10,000 | ₹26,84,163 | ₹13,74,163 | 12.5% |
| Tata India ConsumerTata India Consumer Fund (Direct) | ₹13,10,000 | ₹31,29,870 | ₹18,19,870 | 15.1% |
Aditya Birla Sun Life ConsumptionAditya Birla Sun Life Consumption Fund (Direct)
Tata India ConsumerTata India Consumer 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 Tata India Consumer: 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) | Tata India Consumer Fund (Direct) |
|---|---|---|
| Return (CAGR) | −11.55% | −3.17% |
| Standard deviation | 13.94% | 14.79% |
| Sharpe ratio | -1.21 | -0.57 |
| Sortino ratio | -1.57 | -0.77 |
| Maximum drawdown | −17.0% (30-03-2026) | −17.2% (31-03-2026) |
| Beta | 0.90 | 0.88 |
| Alpha | −2.53% | +5.44% |
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) | Tata India Consumer Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.96% | +13.07% |
| Standard deviation | 12.68% | 14.16% |
| Sharpe ratio | 0.15 | 0.50 |
| Sortino ratio | 0.21 | 0.70 |
| Maximum drawdown | −20.8% (30-03-2026) | −20.7% (28-02-2025) |
| Beta | 0.87 | 0.88 |
| Alpha | −2.43% | +2.63% |
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 Consumption Fund (Direct) | Tata India Consumer Fund (Direct) |
|---|---|---|
| Return (CAGR) | +8.18% | +12.46% |
| Standard deviation | 13.01% | 14.08% |
| Sharpe ratio | 0.18 | 0.47 |
| Sortino ratio | 0.25 | 0.66 |
| Maximum drawdown | −20.8% (30-03-2026) | −20.7% (28-02-2025) |
| Beta | 0.88 | 0.90 |
| Alpha | −1.84% | +2.37% |
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 Consumption Fund (Direct) | Tata India Consumer Fund (Direct) |
|---|---|---|
| Return (CAGR) | +15.11% | +16.39% |
| Standard deviation | 14.66% | 15.19% |
| Sharpe ratio | 0.62 | 0.72 |
| Sortino ratio | 0.84 | 1.00 |
| Maximum drawdown | −34.5% (23-03-2020) | −32.5% (23-03-2020) |
| Beta | 0.88 | 0.90 |
| Alpha | +2.93% | +4.86% |
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)
Tata India Consumer 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) | −34.5% | 12-02-2020 | 23-03-2020 | 12-11-2020 | 8 months | −15.6% |
| Tata India Consumer Fund (Direct) | −32.5% | 31-08-2018 | 23-03-2020 | 13-11-2020 | 8 months | −8.9% |
| Nifty India Consumption TRI | −31.2% | 28-08-2018 | 23-03-2020 | 12-11-2020 | 8 months | −13.4% |
From daily values since 29-12-2015, 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)
Tata India Consumer Fund (Direct)
Nifty India Consumption 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 Consumption Fund (Direct)
Tata India Consumer Fund (Direct)
Nifty India Consumption 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 Consumption Fund (Direct)
Tata India Consumer 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) | 97% | 85% | 6.38% |
| Tata India Consumer Fund (Direct) | 103% | 80% | 7.09% |
From month-end values since 29-12-2015. 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 Tata India Consumer: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life Consumption Fund, September 2026; Tata India Consumer Fund, September 2026
Holdings in common
- Overlap
- 33.1%
- Held by both
- 18
- Only in Aditya Birla Sun Life Consumption
- 46
- Only in Tata India Consumer
- 17
| Security | % of Aditya Birla Sun Life Consumption | % of Tata India Consumer |
|---|---|---|
| Eternal Ltd. | 7.35% | 9.73% |
| ITC Ltd. | 3.04% | 3.13% |
| Titan Company Ltd. | 2.90% | 6.91% |
| Maruti Suzuki India Ltd. | 3.20% | 2.57% |
| United Spirits Ltd. | 2.35% | 3.49% |
| Tata Consumer Products Ltd. | 2.17% | 3.67% |
| Bharti Airtel Ltd. | 5.30% | 1.86% |
| Varun Beverages Ltd. | 1.73% | 4.15% |
| Nestle India Ltd. | 1.52% | 5.71% |
| Mahindra & Mahindra Ltd. | 4.39% | 1.36% |
| Metro Brands Ltd. | 1.12% | 1.26% |
| Swiggy Ltd. | 1.01% | 1.41% |
| Radico Khaitan Ltd. | 1.00% | 5.54% |
| Bikaji Foods International Ltd. | 0.80% | 2.50% |
| Doms Industries Ltd. | 0.80% | 2.16% |
| Ather Energy Ltd. | 0.72% | 4.00% |
| Billionbrains Garage Ventures Ltd. | 0.50% | 1.82% |
| Procter & Gamble Health Ltd. | 0.43% | 0.29% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 33.1% means 33.1% 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 |
|---|---|
| TVS Motor Company Ltd. | 3.87% |
| ICICI Bank Ltd. | 3.62% |
| Trent Ltd. | 2.85% |
| Hindustan Unilever Ltd. | 2.83% |
| Meesho Ltd. | 2.71% |
Largest holdings only in Tata India Consumer Fund
| Security | % of fund |
|---|---|
| CARTRADE TECH LTD | 4.98% |
| LG ELECTRONICS INDIA LTD | 2.98% |
| BAJAJ AUTO LTD | 2.87% |
| MULTI COMMODITY EXCHANGE OF IND LTD | 2.32% |
| ENDURANCE TECHNOLOGIES LTD | 2.02% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Aditya Birla Sun Life Consumption | Tata India Consumer |
|---|---|---|
| Equity | 99.1% | 91.0% |
| Debt | 0.0% | 0.0% |
| Cash and others | 0.9% | 9.0% |
Market cap of stocks
| Market cap | Aditya Birla Sun Life Consumption | Tata India Consumer |
|---|---|---|
| Large Cap | 65.5% | 45.6% |
| Mid Cap | 19.6% | 19.7% |
| Small Cap | 13.7% | 24.6% |
| Not on AMFI's list | 0.3% | 1.1% |
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 | Tata India Consumer |
|---|---|---|
| Retailing | 24.3% | 16.8% |
| Consumer Durables | 9.3% | 18.0% |
| Automobiles | 14.1% | 10.8% |
| Beverages | 6.6% | 13.2% |
| Food Products | 6.1% | 8.2% |
| Banks | 7.7% | 0.0% |
| Capital Markets | 0.5% | 6.0% |
The six largest sectors of each fund's stocks, % of the fund.
Aditya Birla Sun Life Consumption vs Tata India Consumer: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life Consumption Fund | Tata India Consumer Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.97% | 0.93% |
| Base expense ratio (Direct) | 0.73% | 0.64% |
| Total expense ratio (Regular) | 1.95% | 2.13% |
| Base expense ratio (Regular) | 1.58% | 1.69% |
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.
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Aditya Birla Sun Life Consumption Fund vs Tata India Consumer Fund: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life Consumption Fund and Tata India Consumer Fund?
Aditya Birla Sun Life Consumption Fund is a Thematic fund, Tata India Consumer Fund is a Thematic fund, run by Aditya Birla Sun Life Mutual Fund and Tata Mutual Fund. Their portfolios overlap 33.1%. Aditya Birla Sun Life Consumption Fund charges 0.97% a year and Tata India Consumer Fund 0.93%.
Which has given higher returns, Aditya Birla Sun Life Consumption Fund or Tata India Consumer Fund?
Over 1 year: Aditya Birla Sun Life Consumption Fund −11.55%, Tata India Consumer Fund −3.17%. Over 3 years: Aditya Birla Sun Life Consumption Fund +7.96% a year, Tata India Consumer Fund +13.07% a year. Over 5 years: Aditya Birla Sun Life Consumption Fund +8.18% a year, Tata India Consumer Fund +12.46% a year. 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 Tata India Consumer Fund?
Tata India Consumer Fund charges less: 0.93% 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 Tata India Consumer Fund overlap?
33.1%. They hold 18 of the same securities, the largest shared ones being ETERNAL, ITC, TITAN. From each fund's latest monthly portfolio.
Which is riskier, Aditya Birla Sun Life Consumption Fund or Tata India Consumer Fund?
On SEBI's riskometer, Aditya Birla Sun Life Consumption Fund is rated Very High and Tata India Consumer Fund Very High. Over 3 years, the standard deviation of daily returns was 12.68% and 14.16% a year.
Which is better for SIP, Aditya Birla Sun Life Consumption Fund or Tata India Consumer Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹7,14,684 in Aditya Birla Sun Life Consumption Fund (XIRR 6.2% a year) and ₹8,19,359 in Tata India Consumer Fund (XIRR 11.6% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both Aditya Birla Sun Life Consumption Fund and Tata India Consumer Fund?
Yes. 33.1% 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 Tata India Consumer Fund?
Aditya Birla Sun Life Consumption Fund: Chanchal Khandelwal. Tata India Consumer Fund: Sonam Udasi, Aditya Bagul.
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.