Two funds walk into a table. Only the numbers talk.
HDFC Long Term Fund vs Aditya Birla Sun Life Long Term Fund
Pick two or three funds. We’ll tell you in plain words which grew faster, which was calmer, which costs less and what your money would have become. Figures are for the Direct plan, Growth option, where a fund has one.
- AHDFC Long Term Fund
HDFC Mutual Fund- Long Duration Fund
- Direct plan
- Moderate Risk
NAV ₹12.46 on 13 Nov 2026
- BAditya Birla Sun Life Long Term Fund
Aditya Birla Sun Life Mutual Fund- Long Duration Fund
- Direct plan
- Moderate Risk
NAV ₹13.37 on 13 Nov 2026
The short version
Who comes out ahead on each measure, over the 3 years all of them have been around.
Grew faster
BAditya Birla Sun Life Long Term Fund
Aditya Birla Sun Life Long Term Fund returned 6.6% a year over 3 years, against 5.8% for HDFC Long Term Fund. ₹1 lakh invested 3 years ago would be about ₹1.21 Lakh today, against ₹1.19 Lakh.
Smoother ride
BAditya Birla Sun Life Long Term Fund
Aditya Birla Sun Life Long Term Fund swung the least: about 3.1% a year either way, against 4.3% for HDFC Long Term Fund. Lower means fewer scary days.
Fell less in a crash
BAditya Birla Sun Life Long Term Fund
At its worst, Aditya Birla Sun Life Long Term Fund fell 3.3% from its peak, against 6% for HDFC Long Term Fund. On ₹1 lakh, that's a dip to ₹94,012 at the bottom for HDFC Long Term Fund. Could you have held on?
More consistent
BAditya Birla Sun Life Long Term Fund
Pick any day in the past and hold for a year: Aditya Birla Sun Life Long Term Fund ended up in profit 96% of the time, against 90% for HDFC Long Term Fund.
Costs less
AHDFC Long Term Fund
HDFC Long Term Fund charges 0.28% a year, against 0.43% for Aditya Birla Sun Life Long Term Fund. On ₹1 lakh that's ₹280 a year against ₹430, taken quietly from the NAV.
What your money would have become
The same amount, put into each fund on the same day.
The dashed line is the ₹10,000 you put in. Above it is profit, below it is loss.
- AHDFC Long Term Fund₹11,780 from ₹10,000(5.6% a year)
- BAditya Birla Sun Life Long Term Fund₹12,044 from ₹10,000(6.4% a year)
A one-time ₹10,000 put in 3 years ago, valued at the latest NAV. This is what happened, not what will.
Strengths and watch-outs
Each fund judged against its own category, and against a 5-year SBI FD at 6.05%.
AHDFC Long Term Fund
- Strength: Low cost: 0.28% a year
- Watch out: Earned less than a 5-year SBI FD: 5.8% a year over 3 years, against 6.05%
- Watch out: Swings more than most funds in its category
BAditya Birla Sun Life Long Term Fund
- Strength: Swings less than most funds in its category
- Strength: Low cost: 0.43% a year
- Watch out: Small fund (₹89 Cr), often newer or less tested
All the numbers
The stronger figure in each row is marked Best. Under each return is the fund’s rank in its category and the category average.
| Measure | AHDFC Long Term Fund | BAditya Birla Sun Life Long Term Fund |
|---|---|---|
| ReturnsHow much the fund grew. Beyond a year, this is per year (annualised). | ||
| 1 yearLast 12 months, the most noisy figure | 1.7%#8 of 11 · avg 1.9% | 2.2%Best#3 of 11 · avg 1.9% |
| 3 yearsPer year, over a full market mood swing | 5.8%#5 of 7 · avg 6% | 6.6%Best#1 of 7 · avg 6% |
| RiskHow bumpy the ride was. This is what decides whether you stay invested. | ||
| Ups and downsVolatility: how far it swings in a typical year. Lower is calmer | 4.3%category avg 3.9% | 3.1%Bestcategory avg 3.9% |
| Worst fallThe biggest drop from a peak in 10 years. Lower is better | −6%category avg −5.1% | −3.3%Bestcategory avg −5.1% |
| Best 12 monthsIts strongest year | 15.1%Best | 13.7% |
| Worst 12 monthsIts weakest year | -4.3% | -2%Best |
| Odds of a gainShare of all 1-year holding periods that ended in profit | 90% | 96%Best |
| Cost and sizeThe fee comes out of your returns every year, whether the fund does well or not. | ||
| Expense ratioYearly fee. Lower keeps more for you | 0.28%Best | 0.43% |
| Fund sizeMoney managed (AUM). Neither better nor worse | ₹2,577 Cr | ₹89 Cr |
| Minimum SIPSmallest monthly amount | ₹100Best | ₹500 |
| Lock-inTime before you can withdraw | None | None |
“Best” is not a recommendation: a fund that returned more usually took more risk to do it.
Which one fits you?
There is no best fund, only a better fit for what you need the money to do.
AHDFC Long Term Fund
Might suit you if…
- you care about keeping costs low, which adds up over decades
BAditya Birla Sun Life Long Term Fund
Might suit you if…
- you want the stronger long-run growth and can sit through sharper falls
- a smoother ride matters more to you than the top return
- you may need the money at short notice and want better odds of being in profit