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    Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund vs HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund

    Direct Plan, Growth option · Data as on 30-10-2026

    Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund is an Index fund and HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund is an Index fund. In the 3 years to 30-10-2026, Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund (Direct) returned 7.4% a year and HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund (Direct) returned 7.4% a year. Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund charges 0.19% a year and HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund 0.19% (Direct plans). Their portfolios overlap 46.1%: they hold 12 of the same securities.

    Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund

    Index

    3 year return
    7.4%
    Expense ratio
    0.19%
    NAV
    ₹13.39
    See Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund

    HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund

    Index

    3 year return
    7.4%
    Expense ratio
    0.19%
    NAV
    ₹13.38
    See HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund

    Which is better, Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index or HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index? 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 Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index returned more over 3 years: 7.4% a year against 7.4%.
    • HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index returned more over 1 year: 4.6% against 4.5%.
    • HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index swung less over 3 years: a standard deviation of 1.0% a year against 1.0%.
    • HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index fell less in its worst fall since 17-10-2022: −0.7% against −0.8%.
    • HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index is the larger fund: ₹1,748 Cr against ₹402 Cr.
    • Their portfolios overlap 46.1%: 12 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

    FactAditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index FundHSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund
    Fund houseAditya Birla Sun Life Mutual FundHSBC Mutual Fund
    CategoryIndexIndex
    AUM₹402 Cr (30-09-2026)₹1,748 Cr (30-09-2026)
    NAV₹13.39 (Direct)₹13.38 (Direct)
    Expense ratio (Direct)0.19%0.19%
    Expense ratio (Regular)0.34%0.39%
    RiskometerLow to ModerateLow to Moderate
    BenchmarkCRISIL IBX 50:50 Gilt Plus SDL Index - April 2028CRISIL IBX 50:50 Gilt Plus SDL Index - April 2028
    Launch date13-10-202231-03-2022
    Minimum investment₹500Rs. 5,000 per application
    Lock inNoneNone
    Fund managersMohit Sharma, Sanjay GodambeMohd. Asif Rizwi, Mahesh Chhabria
    Exit loadNILExit Load: Nil

    Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index vs HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index: Returns Comparison

    Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

    Fund1M3M6M1Y3Y5Y10Y
    Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund (Direct)+0.02%+0.61%+2.46%+4.51%+7.43%----
    HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund (Direct)0.00%+0.60%+2.44%+4.62%+7.41%----

    Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index vs HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index: Year-wise Returns

    YearAditya Birla Sun LifeAditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 IndexHSBCHSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index
    2026to date+3.46%+3.58%
    2025+8.51%+8.37%
    2024+8.24%+8.21%
    2023+7.86%+7.55%

    Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index vs HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index: Rolling Returns

    Every holding period of both funds

    Rolling returns

    Every 3-year holding period, 250 of them, one for each trading day from 17-10-2025 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.

    0%2%4%6%8%10%
    Nov 2022
    to
    Nov 2025    Jan 2023
    to
    Jan 2026    Mar 2023
    to
    Mar 2026    May 2023
    to
    May 2026    Jul 2023
    to
    Jul 2026    Sept 2023
    to
    Sept 2026
    Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund (Direct)HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund (Direct)

    How the periods spread

    FundBelow 0%0-5%5-10%10-15%15-20%20-25%Above 25%MeanMedianLowestHighest
    Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index0.00.0100.00.00.00.00.07.7%7.6%7.0%8.6%
    HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index0.00.0100.00.00.00.00.07.7%7.6%7.0%8.4%

    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. Every fund is measured over the days all of them have, from 17-10-2022. Past returns do not promise future returns.

    Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index vs HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index: 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

    Step up each year
    PeriodFor

    ₹10,000 on the first trading day of every month, from 17-10-2022 to 30-10-2026: 49 instalments, ₹4,90,000 in all.

    InvestmentInvestedValue nowGainReturn a year
    Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 IndexAditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund (Direct) ₹4,90,000 ₹5,62,814 ₹72,814 6.7%
    HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 IndexHSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund (Direct) ₹4,90,000 ₹5,62,672 ₹72,672 6.7%
    ₹0₹2.0 L₹4.0 L₹6.0 L
    2023202420252026
    Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 IndexAditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund (Direct)HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 IndexHSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index 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 Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index vs HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index: Risk and Drawdowns

    How much each fund swings, and the worst fall over the same days

    Risk and return

    MeasureAditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund (Direct)HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund (Direct)
    Return (CAGR)+7.43%+7.41%
    Standard deviation0.97%0.97%
    Sharpe ratio1.451.43
    Sortino ratio2.242.22
    Maximum drawdown−0.8% (02-04-2026)−0.7% (02-04-2026)
    Beta----
    Alpha----

    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.

    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.

    −1%−0.8%−0.6%−0.4%−0.2%0%
    2023202420252026
    Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund (Direct)HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund (Direct)
    FundWorst fallHigh before itBottomBack at the highTime to climb backBelow its high today
    Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund (Direct)−0.8%10-03-202602-04-202617-04-202615 days−0.2%
    HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund (Direct)−0.7%10-03-202602-04-202615-04-202613 days−0.2%

    From daily values since 17-10-2022, 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 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.

    0%0.5%1%1.5%
    2026
    Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund (Direct)HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund (Direct)

    Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index vs HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index: Portfolio Overlap

    From each fund's latest monthly portfolio: Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund, September 2026; HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund, September 2026

    Holdings in common

    Overlap
    46.1%
    Held by both
    12
    Only in Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index
    12
    Only in HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index
    17
    Security% of Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index% of HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index
    Government of India (10/04/2028)26.71%30.30%
    State Government Securities (18/04/2028)6.94%7.11%
    State Government Securities (14/03/2028)17.75%2.92%
    Government of India (21/09/2027)11.41%2.92%
    Government of India (20/06/2027)6.28%2.15%
    State Government Securities (21/02/2028)1.30%1.47%
    State Government Securities (27/03/2028)1.26%1.25%
    State Government Securities (31/01/2028)0.66%1.47%
    State Government Securities (27/03/2028)1.26%0.58%
    State Government Securities (28/02/2028)1.27%0.29%

    Overlap: for each holding both funds own, the smaller of its two weights, added up. 46.1% means 46.1% 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 Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund

    Security% of fund
    State Government Securities (25/04/2028)5.07%
    State Government Securities (22/04/2028)4.90%
    0% GOI - (12/03/2028) STRIPS3.55%
    State Government Securities (27/03/2028)2.63%
    State Government Securities (07/03/2028)1.45%

    Largest holdings only in HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund

    Security% of fund
    7.17% GOI - 08-Jan-202811.47%
    7.36% MAHARASHTRA SDL 12-Apr-20287.82%
    6.97% KARNATAKA SDL 26-Feb-20284.90%
    6.97% MAHARASHTRA SDL 18-Feb-20283.18%
    6.98% MAHARASHTRA SDL 26-Feb-20282.88%

    Asset and sector split

    Share of each fund, from its latest monthly portfolio

    Asset allocation

    AssetAditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 IndexHSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index
    Equity0.0%0.0%
    Debt97.8%98.3%
    Cash and others2.2%1.7%

    Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index vs HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index: Expense Ratio

    What each plan charges a year, from AMFI's expense ratio file

    ChargeAditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index FundHSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund
    Total expense ratio (Direct)0.19%0.19%
    Base expense ratio (Direct)0.16%0.16%
    Total expense ratio (Regular)0.34%0.39%
    Base expense ratio (Regular)0.29%0.33%

    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.

    Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund vs HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund: Frequently Asked Questions

    What is the difference between Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund and HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund?

    Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund is an Index fund, HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund is an Index fund, run by Aditya Birla Sun Life Mutual Fund and HSBC Mutual Fund. Their portfolios overlap 46.1%. Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund charges 0.19% a year and HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund 0.19%.

    Which has given higher returns, Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund or HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund?

    Over 1 year: Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund +4.51%, HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund +4.62%. Over 3 years: Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund +7.43% a year, HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund +7.41% a year. As on 30-10-2026. Past returns do not promise future returns.

    Which has the lower expense ratio, Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund or HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund?

    Both charge 0.19% a year.

    How much do Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund and HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund overlap?

    46.1%. They hold 12 of the same securities, the largest shared ones being Government of India (10/04/2028), State Government Securities (18/04/2028), State Government Securities (14/03/2028). From each fund's latest monthly portfolio.

    Which is riskier, Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund or HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund?

    On SEBI's riskometer, Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund is rated Low to Moderate and HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund Low to Moderate. Over 3 years, the standard deviation of daily returns was 0.97% and 0.97% a year.

    Which is better for SIP, Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund or HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund?

    Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹4,08,420 in Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund (XIRR 6.4% a year) and ₹4,08,469 in HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund (XIRR 6.4% a year). Both received 37 instalments. Past returns do not promise future returns.

    Can I invest in both Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund and HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund?

    Yes. 46.1% 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 Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund and HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund?

    Aditya Birla Sun Life Crisil IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund: Mohit Sharma, Sanjay Godambe. HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund: Mohd. Asif Rizwi, Mahesh Chhabria.

    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.

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