Aditya Birla Sun Life Long Term Fund vs Franklin India Long Term Fund
Direct Plan, Growth option · Data as on 30-10-2026
Aditya Birla Sun Life Long Term Fund and Franklin India Long Term Fund are both Long Duration funds. In the year to 30-10-2026, Aditya Birla Sun Life Long Term Fund (Direct) returned 1.0% and Franklin India Long Term Fund (Direct) returned 2.2%. Aditya Birla Sun Life Long Term Fund charges 0.43% a year and Franklin India Long Term Fund 0.36% (Direct plans). Their portfolios overlap 0.3%: they hold 1 of the same security.
Aditya Birla Sun Life Long Term Fund
Long Duration
- 1 year return
- 1.0%
- Expense ratio
- 0.43%
- NAV
- ₹13.20
Franklin India Long Term Fund
Long Duration
- 1 year return
- 2.2%
- Expense ratio
- 0.36%
- NAV
- ₹10.76
Which is better, Aditya Birla Sun Life Long Term or Franklin India Long Term? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Franklin India Long Term returned more over 1 year: 2.2% against 1.0%.
- Franklin India Long Term costs less: 0.36% a year against 0.43% (Direct plans).
- Aditya Birla Sun Life Long Term fell less in its worst fall since 11-12-2024: −3.3% against −4.3%.
- Aditya Birla Sun Life Long Term is the larger fund: ₹89 Cr against ₹42 Cr.
- Their portfolios overlap 0.3%: 1 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 Long Term Fund | Franklin India Long Term Fund |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | Franklin Templeton Mutual Fund |
| Category | Long Duration | Long Duration |
| AUM | ₹89 Cr (30-09-2026) | ₹42 Cr (30-09-2026) |
| NAV | ₹13.20 (Direct) | ₹10.76 (Direct) |
| Expense ratio (Direct) | 0.43% | 0.36% |
| Expense ratio (Regular) | 0.98% | 0.81% |
| Riskometer | Moderate | Not available |
| Benchmark | NIFTY Long Duration Debt Index A-III | CRISIL Long Duration Debt A-III Index |
| Launch date | 08-08-2022 | 05-12-2024 |
| Minimum investment | Minimum of 100/- | 5000/1 |
| Lock in | None | None |
| Fund managers | Harshil Suvarnkar, Bhupesh Bameta | Chandni Gupta, Anuj Tagra |
| Exit load | NIL | Nil |
Aditya Birla Sun Life Long Term vs Franklin India Long Term: 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 Long Term Fund (Direct) | −0.99% | −1.72% | +1.39% | +1.01% | +6.37% | -- | -- |
| Franklin India Long Term Fund (Direct) | −0.76% | −1.21% | +1.58% | +2.24% | -- | -- | -- |
| Long Duration average | −1.14% | −2.16% | +0.90% | +0.63% | -- | -- | -- |
Category average: the average of the 11 Long Duration funds, same plan type.
Aditya Birla Sun Life Long Term vs Franklin India Long Term: Year-wise Returns
| Year | Aditya Birla Sun LifeAditya Birla Sun Life Long Term | Franklin IndiaFranklin India Long Term |
|---|---|---|
| 2026to date | +0.77% | +1.64% |
| 2025 | +5.09% | +5.76% |
| 2024 | +11.23% | -- |
| 2023 | +7.98% | -- |
Aditya Birla Sun Life Long Term vs Franklin India Long Term: Rolling Returns
Every holding period of both funds
Rolling returns
Every 1-year holding period, 214 of them, one for each trading day from 11-12-2025 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 Long Term Fund (Direct)
Franklin India Long Term Fund (Direct)
to
Jan 2026Mar 2025
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Mar 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Long Term | 15.4 | 75.7 | 8.9 | 0.0 | 0.0 | 0.0 | 0.0 | 2.6% | 3.2% | −2.0% | 5.7% |
| Franklin India Long Term | 6.1 | 61.0 | 32.9 | 0.0 | 0.0 | 0.0 | 0.0 | 3.7% | 4.4% | −0.5% | 7.3% |
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 11-12-2024. Past returns do not promise future returns.
Aditya Birla Sun Life Long Term vs Franklin India Long Term: 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 Long TermAditya Birla Sun Life Long Term Fund (Direct) | ₹2,30,000 | ₹2,33,527 | ₹3,527 | 1.5% |
| Franklin India Long TermFranklin India Long Term Fund (Direct) | ₹2,30,000 | ₹2,35,928 | ₹5,928 | 2.6% |
Aditya Birla Sun Life Long TermAditya Birla Sun Life Long Term Fund (Direct)
Franklin India Long TermFranklin India Long Term 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 Long Term vs Franklin India Long Term: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Aditya Birla Sun Life Long Term Fund (Direct) | Franklin India Long Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +1.01% | +2.24% |
| Standard deviation | 3.47% | 3.07% |
| Sharpe ratio | -1.22 | -0.98 |
| Sortino ratio | -1.63 | -1.32 |
| Maximum drawdown | −3.3% (23-10-2026) | −2.9% (02-04-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
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 Long Term Fund (Direct) | Franklin India Long Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.75% | +3.99% |
| Standard deviation | 3.04% | 3.34% |
| Sharpe ratio | 0.20 | -0.48 |
| Sortino ratio | 0.28 | -0.67 |
| Maximum drawdown | −3.3% (26-08-2025) | −4.3% (26-08-2025) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 10-08-2022 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 Long Term Fund (Direct)
Franklin India Long Term Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Long Term Fund (Direct) | −3.3% | 28-05-2025 | 26-08-2025 | 18-06-2026 | 10 months | −3.0% |
| Franklin India Long Term Fund (Direct) | −4.3% | 28-05-2025 | 26-08-2025 | 17-02-2026 | 6 months | −2.2% |
From daily values since 11-12-2024, 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 Long Term Fund (Direct)
Franklin India Long Term Fund (Direct)
Aditya Birla Sun Life Long Term vs Franklin India Long Term: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life Long Term Fund, September 2026; Franklin India Long Term Fund, September 2026
Holdings in common
- Overlap
- 0.3%
- Held by both
- 1
- Only in Aditya Birla Sun Life Long Term
- 23
- Only in Franklin India Long Term
- 8
| Security | % of Aditya Birla Sun Life Long Term | % of Franklin India Long Term |
|---|---|---|
| Corporate Debt Mkt Devp. Fund-A2 | 0.54% | 0.28% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 0.3% means 0.3% 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 Long Term Fund
| Security | % of fund |
|---|---|
| Government of India (06/11/2073) | 16.28% |
| Government of India (18/05/2066) | 11.22% |
| Government of India (18/08/2055) | 10.65% |
| 6.99% National Highways Authority of India (28/05/2035) | 10.65% |
| 7.75% Indian Railway Finance Corporation Ltd. (15/04/2033) | 4.48% |
Largest holdings only in Franklin India Long Term Fund
| Security | % of fund |
|---|---|
| 7.50% Tamil Nadu SDL (24-Apr-2031) | 12.30% |
| 7.86% Haryana SDL (29-Jun-2032) | 12.23% |
| 7.02% Punjab SDL (01-Jul-2030) | 11.89% |
| 7.66% Maharashtra SDL (04-Mar-2047) | 8.15% |
| 7.79% West Bengal SDL (18-Mar-2045) | 5.88% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Aditya Birla Sun Life Long Term | Franklin India Long Term |
|---|---|---|
| Equity | 0.0% | 0.0% |
| Debt | 69.5% | 61.6% |
| Cash and others | 30.5% | 38.4% |
Aditya Birla Sun Life Long Term vs Franklin India Long Term: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life Long Term Fund | Franklin India Long Term Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.43% | 0.36% |
| Base expense ratio (Direct) | 0.36% | 0.30% |
| Total expense ratio (Regular) | 0.98% | 0.81% |
| Base expense ratio (Regular) | 0.84% | 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
Compare Aditya Birla Sun Life Long Term with
Aditya Birla Sun Life Long Term Fund vs Franklin India Long Term Fund: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life Long Term Fund and Franklin India Long Term Fund?
Both are Long Duration funds, run by Aditya Birla Sun Life Mutual Fund and Franklin Templeton Mutual Fund. Their portfolios overlap 0.3%. Aditya Birla Sun Life Long Term Fund charges 0.43% a year and Franklin India Long Term Fund 0.36%.
Which has given higher returns, Aditya Birla Sun Life Long Term Fund or Franklin India Long Term Fund?
Over 1 year: Aditya Birla Sun Life Long Term Fund +1.01%, Franklin India Long Term Fund +2.24%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Aditya Birla Sun Life Long Term Fund or Franklin India Long Term Fund?
Franklin India Long Term Fund charges less: 0.36% a year against 0.43%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Aditya Birla Sun Life Long Term Fund and Franklin India Long Term Fund overlap?
0.3%. They hold 1 of the same securities, the largest shared ones being Corporate Debt Mkt Devp. Fund-A2. From each fund's latest monthly portfolio.
Can I invest in both Aditya Birla Sun Life Long Term Fund and Franklin India Long Term Fund?
Yes. 0.3% of each fund's money sits in the same holdings, so the two hold mostly different investments.
Who manages Aditya Birla Sun Life Long Term Fund and Franklin India Long Term Fund?
Aditya Birla Sun Life Long Term Fund: Harshil Suvarnkar, Bhupesh Bameta. Franklin India Long Term Fund: Chandni Gupta, Anuj Tagra.
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.