SIP
Step-up SIP
SWP
STP
Lumpsum
Tax planning
Retirement
Child future
Rolling returns
SIP vs lumpsum
Cost drag
Drawdown
Exit load
Rolling returns
What a three-year holding period actually delivered in one scheme — across every start date its history holds.
Scheme
1,648 schemes · NAV as at 20 Aug 2026
Aditya Birla Sun Life Banking & PSU Debt Fund
Banking and PSU Fund · Aditya Birla Sun Life
AMC Aditya Birla Sun Life
Category Banking and PSU Fund
NAV ₹404.09
Launched 2000
Every window is annualised and measured on the scheme’s own NAV, so it is after the scheme’s expenses. Past performance is not indicative of future returns, and none of this is a recommendation.
Median 3-year holding period7.50%
Worst 3-year holding period4.88%
Best 3-year holding period9.54%
Start dates counted348
The single 3-year run to 24 Jul 20267.23%
One number, or every number
The last column is the number most sites lead with: one start date, 20 Aug 2023 to 20 Aug 2026. The four before it count all 348 three-year holding periods this scheme has lived through. An investor who started on a different day got a different answer, and the spread between worst and best is how different.
Every holding period in this scheme’s history
Holding period
Worst
Median
Best
Start dates
Latest single run
Any 3 years
4.88%
7.50%
9.54%
348
7.23%
Any 5 years
6.09%
7.11%
8.23%
250
6.31%
Windows overlap, so they are not independent observations. Rolling sets are held for 1,086 of 1,648 schemes (65.9%) at three years and 787 of 1,648 schemes (47.8%) at five — a scheme younger than the window simply cannot have one.
How this is worked out
Every 3-year and 5-year holding period in the scheme’s own NAV history, stepped one week at a time, annualised. Windows overlap. n is the number of windows. Periods spanning a unit re-basing are excluded. Past performance; not indicative of future returns.
Everything else this scheme discloses
NAV history, ratios, expense and load in one place — and a person to walk you through them.