Should I invest in BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-3 YRS?

We don't give personal investment advice. BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-3 YRS- 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 SUN LIFE CAPITAL PROTECTION ORIENTED FUND-3 YRS- 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	-14.56%	-9.99%	-4.58	1020 / 1129	Q4
1W	-14.57%	-13.04%	-1.53	1007 / 1151	Q4
2W	-14.58%	-13.18%	-1.40	1003 / 1149	Q4
1M	-13.97%	-13.26%	-0.71	989 / 1137	Q4
3M	-13.34%	-13.15%	-0.20	962 / 1116	Q4
6M	-11.67%	-15.45%	+3.78	741 / 906	Q4
YTD	-11.85%	-15.77%	+3.92	778 / 952	Q4
1Y	-9.73%	-13.09%	+3.36	674 / 820	Q4
2Y	-2.15%	-12.72%	+10.58	358 / 446	Q4
3Y	-0.18%	-11.01%	+10.83	284 / 385	Q3
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.18%	-13.63%	+13.45	876 / 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
2010 YTD	-11.85%	-5.78%	-6.07	339 / 377
2009	+8.02%	-12.86%	+20.87	132 / 713
2008	-2.42%	-2.02%	-0.40	268 / 380
2007	—	—	—	—

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

+3.94%

25 windows

min -9.7% · max 8.1%

84% 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.

Risk profile

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

Std deviation

8.73%

3-year · annualised

Sharpe ratio

-0.72

vs risk-free 6.5%

Sortino ratio

-0.76

Downside-only deviation

Max drawdown

-14.72%

Jul 2010 → Aug 2010

% positive months

69.4%

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.

Recent NAVs

Date	NAV
3 Aug 2010	₹10.0000
2 Aug 2010	₹11.7045
30 Jul 2010	₹11.7018
29 Jul 2010	₹11.7011
28 Jul 2010	₹11.7004
27 Jul 2010	₹11.7059
26 Jul 2010	₹11.7054
23 Jul 2010	₹11.7125
22 Jul 2010	₹11.7266
21 Jul 2010	₹11.7249

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 CAPITAL PROTECTION ORIENTED FUND-3 YRS- 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 SUN LIFE CAPITAL PROTECTION ORIENTED FUND-3 YRS- DIVIDEND has NAV history starting from 10 Aug 2007, a track record of about 18 years 10 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 CAPITAL PROTECTION ORIENTED FUND-3 YRS- 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 SUN LIFE CAPITAL PROTECTION ORIENTED FUND-3 YRS- DIVIDEND has delivered a absolute return of -9.73% — +3.36 pp ahead of the Income category average of -13.09%. The fund ranks #674 of 820 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-3 YRS- DIVIDEND has delivered a CAGR of -0.18% — +10.83 pp ahead of the Income category average of -11.01%. The fund ranks #284 of 385 in its category — the third (Q3) quartile.

BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-3 YRS- DIVIDEND doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-3 YRS- DIVIDEND exactly 3 years ago would be worth approximately ₹99,466 today — a multiplier of 0.99×, based on the 3-year CAGR of -0.18%. The category average over the same window would have grown ₹1 lakh to ₹70,476.

A ₹10,000 monthly SIP in BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-3 YRS- DIVIDEND over the last 3 years — total invested ₹360,000 — would be worth ₹334,249 today. That's an XIRR (money-weighted annualised return) of -4.75%.

BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-3 YRS- DIVIDEND doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹334,249 — XIRR -4.75%.

On a 3-year basis, BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-3 YRS- DIVIDEND ranks #284 out of 385 funds in the Income category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -11.01%; this fund delivered -0.18%.

The worst peak-to-trough decline BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-3 YRS- DIVIDEND has experienced over the last 3-year window is 14.72% — its NAV fell from a high on 22 Jul 2010 to a low on 03 Aug 2010. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

The 3-year Sharpe ratio is -0.72 — negative risk-adjusted performance.

In calendar year 2009, BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-3 YRS- DIVIDEND returned 8.02% — beating the Income category average of -12.86% by 20.87 pp. It ranked #132 of 713 in its category that year.

BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-3 YRS- 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 SUN LIFE CAPITAL PROTECTION ORIENTED FUND-3 YRS- 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 SUN LIFE CAPITAL PROTECTION ORIENTED FUND-3 YRS- DIVIDEND

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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