Should I invest in Birla Sun Life Asset Allocation Fund-Conservative Plan?

We don't give personal investment advice. Birla Sun Life Asset Allocation Fund-Conservative Plan-Growth Plan is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 9.7%. 5-year CAGR: 8.27%.

Birla Sun Life

Birla Sun Life Asset Allocation Fund-Conservative Plan-Growth Plan

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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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	+0.15%	-2.07%	+2.22	44 / 84	Q3
1W	-0.54%	-13.38%	+12.84	58 / 94	Q3
2W	-0.33%	-13.67%	+13.34	37 / 94	Q2
1M	-1.79%	-13.46%	+11.66	67 / 94	Q3
3M	-1.91%	-12.45%	+10.55	63 / 94	Q3
6M	-1.40%	-9.59%	+8.18	57 / 94	Q3
YTD	-2.05%	-9.01%	+6.97	55 / 94	Q3
1Y	+0.56%	-3.44%	+4.00	54 / 92	Q3
2Y	+12.73%	-3.39%	+16.12	19 / 89	Q1
3Y	+8.86%	-3.08%	+11.94	37 / 89	Q2
4Y	+8.97%	-5.95%	+14.92	34 / 65	Q3
5Y	+8.27%	-8.91%	+17.18	28 / 61	Q2
7Y	+9.84%	-10.31%	+20.16	19 / 55	Q2
10Y	+8.74%	-15.49%	+24.23	22 / 44	Q2
Inception	+8.88%	-6.21%	+15.08	36 / 94	Q2

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
2016 YTD	-2.05%	+4.96%	-7.01	39 / 44
2015	+5.67%	+2.73%	+2.94	5 / 16
2014	+22.16%	+21.84%	+0.32	13 / 26
2013	+2.14%	+0.30%	+1.84	9 / 26
2012	+12.64%	+13.97%	-1.33	20 / 32
2011	-0.38%	-6.94%	+6.56	7 / 22
2010	+7.36%	+7.82%	-0.46	14 / 31
2009	+21.91%	+18.19%	+3.72	18 / 38
2008	-5.74%	-22.92%	+17.18	7 / 34
2007	+18.79%	+23.03%	-4.24	13 / 23
2006	—	—	—	—

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

+9.82%

108 windows

min -6.5% · max 26.3%

94% positive

3-Year rolling

+8.93%

84 windows

min 3.1% · max 12.4%

100% positive

5-Year rolling

+8.49%

60 windows

min 6.9% · max 10.3%

100% positive

7-Year rolling

+8.91%

35 windows

min 7.7% · max 10.4%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

6.43%

3-year · annualised

Sharpe ratio

0.35

vs risk-free 6.5%

Sortino ratio

0.71

Downside-only deviation

Max drawdown

-9.69%

May 2013 → Aug 2013

% positive months

58.3%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Fund of Funds - Domestic

Scheme	Fund house	NAV	As of
HDFC Income Plus Arbitrage Active FOF - IDCW Option	HDFC	₹35.7271	10 Jun 2026
Nippon India Diversified Equity Flexicap Passive FoF - IDCW Option	Nippon India	₹19.9139	10 Jun 2026
ICICI Prudential Aggressive Plan	ICICI Prudential	₹163.1325	10 Jun 2026
QUANTUM EQUITY FUND OF FUNDS-Dividend Plan	Quantum	₹81.4910	9 Jun 2026
Franklin India Income Plus Arbitrage Active Fund of Funds- IDCW	Franklin India	₹22.0589	9 Jun 2026
FT India Dynamic PE Ratio Fund of Funds-Dividend	Franklin Templeton	₹39.8467	9 Jun 2026
Kotak Gold Fund Payout of Income Distribution cum capital withdrawal option	Kotak	₹55.8496	10 Jun 2026
Kotak Equity-FOF-Dividend	Kotak Mahindra	₹244.4560	9 Jun 2026
HSBC Aggressive Hybrid Active FOF - Dividend	HSBC	₹28.7321	9 Jun 2026
IDFC - All Seasons Bond Fund - Annual Dividend	IDFC	₹14.6259	10 Jun 2026

Recent NAVs

Date	NAV
5 Feb 2016	₹30.4344
4 Feb 2016	₹30.3883
3 Feb 2016	₹30.3936
2 Feb 2016	₹30.4499
1 Feb 2016	₹30.6155
29 Jan 2016	₹30.6007
28 Jan 2016	₹30.4809
27 Jan 2016	₹30.5411
25 Jan 2016	₹30.5173
22 Jan 2016	₹30.5359

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 Sun Life Asset Allocation Fund-Conservative Plan-Growth Plan is a Fund of Funds - Domestic 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 Sun Life Asset Allocation Fund-Conservative Plan-Growth Plan has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 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 Sun Life Asset Allocation Fund-Conservative Plan-Growth Plan is managed by Birla Sun Life. It's classified by AMFI under the 'Fund of Funds - Domestic' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Asset Allocation Fund-Conservative Plan-Growth Plan has delivered a absolute return of 0.56% — +4 pp ahead of the Fund of Funds - Domestic category average of -3.44%. The fund ranks #54 of 92 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Birla Sun Life Asset Allocation Fund-Conservative Plan-Growth Plan has delivered a CAGR of 8.86% — +11.94 pp ahead of the Fund of Funds - Domestic category average of -3.08%. The fund ranks #37 of 89 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Birla Sun Life Asset Allocation Fund-Conservative Plan-Growth Plan has delivered a CAGR of 8.27% — +17.18 pp ahead of the Fund of Funds - Domestic category average of -8.91%. The fund ranks #28 of 61 in its category — the second (Q2) quartile.

₹1 lakh invested in Birla Sun Life Asset Allocation Fund-Conservative Plan-Growth Plan exactly 10 years ago would be worth approximately ₹231,131 today — a multiplier of 2.31×, based on the 10-year CAGR of 8.74%. The category average over the same window would have grown ₹1 lakh to ₹18,574.

A ₹10,000 monthly SIP in Birla Sun Life Asset Allocation Fund-Conservative Plan-Growth Plan over the last 5 years — total invested ₹600,000 — would be worth ₹752,830 today. That's an XIRR (money-weighted annualised return) of 8.99%.

Birla Sun Life Asset Allocation Fund-Conservative Plan-Growth Plan doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,141,679 — XIRR 8.61%.

On a 5-year basis, Birla Sun Life Asset Allocation Fund-Conservative Plan-Growth Plan ranks #28 out of 61 funds in the Fund of Funds - Domestic category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -8.91%; this fund delivered 8.27%.

The worst peak-to-trough decline Birla Sun Life Asset Allocation Fund-Conservative Plan-Growth Plan has experienced over the last 5-year window is 9.69% — its NAV fell from a high on 21 May 2013 to a low on 19 Aug 2013. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Birla Sun Life Asset Allocation Fund-Conservative Plan-Growth Plan averaged 8.49% (best 10.32%, worst 6.90%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.29 — weak risk-adjusted performance.

In calendar year 2015, Birla Sun Life Asset Allocation Fund-Conservative Plan-Growth Plan returned 5.67% — beating the Fund of Funds - Domestic category average of 2.73% by 2.94 pp. It ranked #5 of 16 in its category that year.

Birla Sun Life Asset Allocation Fund-Conservative Plan-Growth Plan doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Birla Sun Life Asset Allocation Fund-Conservative Plan-Growth Plan is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 9.7%. 5-year CAGR: 8.27%.

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

Birla Sun Life Asset Allocation Fund-Conservative Plan-Growth Plan

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Fund of Funds - Domestic

Recent NAVs

Frequently asked questions

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