Should I invest in BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS?

We don't give personal investment advice. BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-GROWTH 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: 5.33%.

Birla Sun Life

BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-GROWTH

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	+0.02%	+0.06%	-0.05	129 / 299	Q2
1W	+0.29%	-3.61%	+3.90	112 / 303	Q2
2W	-0.22%	-4.52%	+4.30	145 / 303	Q2
1M	-0.08%	-5.64%	+5.56	137 / 302	Q2
3M	+0.97%	-4.27%	+5.24	136 / 302	Q2
6M	+2.25%	+1.48%	+0.77	159 / 307	Q3
YTD	+4.20%	-0.18%	+4.39	129 / 309	Q2
1Y	+3.76%	+7.10%	-3.34	167 / 307	Q3
2Y	+3.34%	+2.20%	+1.14	150 / 303	Q2
3Y	+4.58%	+0.76%	+3.82	137 / 264	Q3
4Y	+6.51%	+0.58%	+5.93	104 / 235	Q2
5Y	+5.33%	+0.02%	+5.31	104 / 208	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+5.35%	+0.51%	+4.83	144 / 310	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
2012 YTD	+4.20%	+23.57%	-19.36	184 / 190
2011	+0.70%	-23.68%	+24.38	6 / 241
2010	+5.04%	+11.69%	-6.65	189 / 256
2009	+12.71%	+65.86%	-53.15	220 / 238
2008	-4.48%	-52.86%	+48.38	6 / 198
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

+5.32%

49 windows

min -7.1% · max 18.2%

90% positive

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

3-Year rolling

+6.21%

25 windows

min 4.1% · max 8.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

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

3.27%

3-year · annualised

Sharpe ratio

-0.60

vs risk-free 6.5%

Sortino ratio

-1.18

Downside-only deviation

Max drawdown

-4.00%

Aug 2009 → Aug 2009

% 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.

Recent NAVs

Date	NAV
2 Aug 2012	₹13.0783
1 Aug 2012	₹13.0759
31 Jul 2012	₹13.0740
30 Jul 2012	₹13.0746
27 Jul 2012	₹13.0433
26 Jul 2012	₹13.0403
25 Jul 2012	₹13.0650
24 Jul 2012	₹13.0691
23 Jul 2012	₹13.0641
20 Jul 2012	₹13.0966

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-5 YRS-GROWTH is a Growth from Birla Sun Life (Unknown plan, Growth 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-5 YRS-GROWTH 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-5 YRS-GROWTH is managed by Birla Sun Life. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-GROWTH has delivered a absolute return of 3.76% — -3.34 pp behind the Growth category average of 7.10%. The fund ranks #167 of 307 in its category — the third (Q3) quartile.

Over the trailing 3-year window, BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-GROWTH has delivered a CAGR of 4.58% — +3.82 pp ahead of the Growth category average of 0.76%. The fund ranks #137 of 264 in its category — the third (Q3) quartile.

Over the trailing 5-year window, BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-GROWTH has delivered a CAGR of 5.33% — +5.31 pp ahead of the Growth category average of 0.02%. The fund ranks #104 of 208 in its category — the second (Q2) quartile.

₹1 lakh invested in BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-GROWTH exactly 5 years ago would be worth approximately ₹129,635 today — a multiplier of 1.30×, based on the 5-year CAGR of 5.33%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-GROWTH over the last 3 years — total invested ₹360,000 — would be worth ₹382,512 today. That's an XIRR (money-weighted annualised return) of 3.97%.

BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-GROWTH doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹382,512 — XIRR 3.97%.

On a 5-year basis, BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-GROWTH ranks #104 out of 208 funds in the Growth category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 0.02%; this fund delivered 5.33%.

The worst peak-to-trough decline BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-GROWTH has experienced over the last 5-year window is 12.09% — its NAV fell from a high on 07 Jan 2008 to a low on 27 Oct 2008. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-GROWTH averaged 6.21% (best 8.87%, worst 4.12%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.21 — negative risk-adjusted performance.

In calendar year 2011, BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-GROWTH returned 0.70% — beating the Growth category average of -23.68% by 24.38 pp. It ranked #6 of 241 in its category that year.

BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-GROWTH 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 CAPITAL PROTECTION ORIENTED FUND-5 YRS-GROWTH 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: 5.33%.

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