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

We don't give personal investment advice. Birla Sun Life Asset Allocation Fund-Moderate Plan-Dividend 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: 12.1%. 5-year CAGR: 9.39%.

Birla Sun Life

Birla Sun Life Asset Allocation Fund-Moderate Plan-Dividend 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	+0.27%	-2.07%	+2.34	39 / 84	Q2
1W	-0.82%	-13.38%	+12.56	69 / 94	Q3
2W	+0.04%	-13.67%	+13.71	29 / 94	Q2
1M	-2.67%	-13.46%	+10.79	73 / 94	Q4
3M	-2.75%	-12.45%	+9.71	67 / 94	Q3
6M	-4.67%	-9.59%	+4.92	67 / 94	Q3
YTD	-3.36%	-9.01%	+5.65	61 / 94	Q3
1Y	-1.59%	-3.44%	+1.86	63 / 92	Q3
2Y	+16.79%	-3.39%	+20.18	15 / 89	Q1
3Y	+11.45%	-3.08%	+14.53	25 / 89	Q2
4Y	+11.12%	-5.95%	+17.07	27 / 65	Q2
5Y	+9.39%	-8.91%	+18.30	21 / 61	Q2
7Y	+14.17%	-10.31%	+24.48	10 / 55	Q1
10Y	+10.28%	-15.49%	+25.77	14 / 44	Q2
Inception	+10.45%	-6.21%	+16.65	25 / 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	-3.36%	+4.96%	-8.33	41 / 44
2015	+5.31%	+2.73%	+2.58	6 / 16
2014	+30.36%	+21.84%	+8.52	6 / 26
2013	+2.43%	+0.30%	+2.12	7 / 26
2012	+17.63%	+13.97%	+3.66	7 / 32
2011	-8.60%	-6.94%	-1.66	15 / 22
2010	+11.32%	+7.82%	+3.50	8 / 31
2009	+48.70%	+18.19%	+30.51	8 / 38
2008	-27.53%	-22.92%	-4.61	23 / 34
2007	+34.59%	+23.03%	+11.57	7 / 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

+12.98%

108 windows

min -28.4% · max 61.2%

80% positive

3-Year rolling

+10.86%

84 windows

min 0.3% · max 18.5%

100% positive

5-Year rolling

+10.08%

60 windows

min 6.0% · max 14.2%

100% positive

7-Year rolling

+10.76%

35 windows

min 8.5% · max 14.7%

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

10.35%

3-year · annualised

Sharpe ratio

0.48

vs risk-free 6.5%

Sortino ratio

0.96

Downside-only deviation

Max drawdown

-11.36%

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	₹43.1861
4 Feb 2016	₹43.0713
3 Feb 2016	₹43.0917
2 Feb 2016	₹43.2537
1 Feb 2016	₹43.6002
29 Jan 2016	₹43.5443
28 Jan 2016	₹43.1867
27 Jan 2016	₹43.2610
25 Jan 2016	₹43.2067
22 Jan 2016	₹43.1684

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-Moderate Plan-Dividend 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-Moderate Plan-Dividend 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-Moderate Plan-Dividend 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-Moderate Plan-Dividend Plan has delivered a absolute return of -1.59% — +1.86 pp ahead of the Fund of Funds - Domestic category average of -3.44%. The fund ranks #63 of 92 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Birla Sun Life Asset Allocation Fund-Moderate Plan-Dividend Plan has delivered a CAGR of 11.45% — +14.53 pp ahead of the Fund of Funds - Domestic category average of -3.08%. The fund ranks #25 of 89 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Birla Sun Life Asset Allocation Fund-Moderate Plan-Dividend Plan has delivered a CAGR of 9.39% — +18.3 pp ahead of the Fund of Funds - Domestic category average of -8.91%. The fund ranks #21 of 61 in its category — the second (Q2) quartile.

₹1 lakh invested in Birla Sun Life Asset Allocation Fund-Moderate Plan-Dividend Plan exactly 10 years ago would be worth approximately ₹266,079 today — a multiplier of 2.66×, based on the 10-year CAGR of 10.28%. 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-Moderate Plan-Dividend Plan over the last 5 years — total invested ₹600,000 — would be worth ₹792,254 today. That's an XIRR (money-weighted annualised return) of 11.04%.

Birla Sun Life Asset Allocation Fund-Moderate Plan-Dividend Plan doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,222,551 — XIRR 10.52%.

On a 5-year basis, Birla Sun Life Asset Allocation Fund-Moderate Plan-Dividend Plan ranks #21 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 9.39%.

The worst peak-to-trough decline Birla Sun Life Asset Allocation Fund-Moderate Plan-Dividend Plan has experienced over the last 5-year window is 12.05% — its NAV fell from a high on 15 Jan 2013 to a low on 28 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-Moderate Plan-Dividend Plan averaged 10.08% (best 14.17%, worst 6.02%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.30 — weak risk-adjusted performance.

In calendar year 2015, Birla Sun Life Asset Allocation Fund-Moderate Plan-Dividend Plan returned 5.31% — beating the Fund of Funds - Domestic category average of 2.73% by 2.58 pp. It ranked #6 of 16 in its category that year.

Birla Sun Life Asset Allocation Fund-Moderate Plan-Dividend 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-Moderate Plan-Dividend 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: 12.1%. 5-year CAGR: 9.39%.

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-Moderate Plan-Dividend 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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