Should I invest in Birla Fixed Term Plan - Series O?

We don't give personal investment advice. Birla Fixed Term Plan - Series O-Dividend is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding.

Birla Sun Life

Birla Fixed Term Plan - Series O-Dividend

Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	-10.76%	-9.99%	-0.77	1009 / 1129	Q4
1W	-10.81%	-13.04%	+2.23	989 / 1151	Q4
2W	-10.70%	-13.18%	+2.49	985 / 1149	Q4
1M	-10.37%	-13.26%	+2.89	971 / 1137	Q4
3M	-9.16%	-13.15%	+3.98	948 / 1116	Q4
6M	-7.30%	-15.45%	+8.15	723 / 906	Q4
YTD	-8.29%	-15.77%	+7.49	767 / 952	Q4
1Y	-2.13%	-13.09%	+10.96	619 / 820	Q4
2Y	—	—	—	—	—
3Y	—	—	—	—	—
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.05%	-13.63%	+13.58	664 / 1199	Q3

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2008 YTD	-8.29%	-2.02%	-6.27	320 / 380
2007	+8.93%	+4.84%	+4.09	40 / 142

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+7.31%

5 windows

min -2.1% · max 10.2%

80% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

—

Insufficient history

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Recent NAVs

Date	NAV
13 May 2008	₹10.0000
12 May 2008	₹11.2058
9 May 2008	₹11.2006
8 May 2008	₹11.1989
7 May 2008	₹11.1972
6 May 2008	₹11.2118
5 May 2008	₹11.2097
2 May 2008	₹11.2037
30 Apr 2008	₹11.1996
29 Apr 2008	₹11.1976

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

Birla Fixed Term Plan - Series O-Dividend is a Income from Birla Sun Life (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Birla Fixed Term Plan - Series O-Dividend has NAV history starting from 02 Jan 2007, a track record of about 19 years 5 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Birla Fixed Term Plan - Series O-Dividend is managed by Birla Sun Life. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Fixed Term Plan - Series O-Dividend has delivered a absolute return of -2.13% — +10.96 pp ahead of the Income category average of -13.09%. The fund ranks #619 of 820 in its category — the bottom (Q4) quartile.

Birla Fixed Term Plan - Series O-Dividend doesn't have a complete 3-year window yet (we need at least 3 year of NAVs). Check the shorter-window returns above.

Birla Fixed Term Plan - Series O-Dividend doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

Birla Fixed Term Plan - Series O-Dividend doesn't yet have a 3-year CAGR on file, so a ₹1 lakh growth projection isn't reliable.

A ₹10,000 monthly SIP in Birla Fixed Term Plan - Series O-Dividend over the last 1 year — total invested ₹120,000 — would be worth ₹111,940 today. That's an XIRR (money-weighted annualised return) of -12.16%.

Birla Fixed Term Plan - Series O-Dividend doesn't yet have 10 years of NAVs. Over the longest available window (1-year SIP), ₹10,000/month would have grown to ₹111,940 — XIRR -12.16%.

Birla Fixed Term Plan - Series O-Dividend doesn't yet have a peer rank on file — typically because its category set is too small or it lacks the required NAV history. Compare manually using the returns table above.

Birla Fixed Term Plan - Series O-Dividend doesn't have a computed drawdown figure yet.

Consistency stats for Birla Fixed Term Plan - Series O-Dividend need at least 3 years of NAVs to compute. They'll populate automatically once the fund has enough history.

In calendar year 2007, Birla Fixed Term Plan - Series O-Dividend returned 8.93% — beating the Income category average of 4.84% by 4.09 pp. It ranked #40 of 142 in its category that year.

Birla Fixed Term Plan - Series O-Dividend is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. Birla Fixed Term Plan - Series O-Dividend is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

Birla Fixed Term Plan - Series O-Dividend

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Recent NAVs

Frequently asked questions

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