Should I invest in Birla Sun Life Cash Manager-Plan B(Growth)?

We don't give personal investment advice. Birla Sun Life Cash Manager-Plan B(Growth) 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. Worst 5-year drawdown: 0.4%. 5-year CAGR: 5.80%.

Birla Sun Life

Birla Sun Life Cash Manager-Plan B(Growth)

Unit split applied to historical metrics

This scheme had a 10× unit consolidation on 7 Oct 2011. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹691.0011

As of

10 Jun 2026

5,149 NAV records on file

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%	+0.07%	+0.08	10 / 46	Q1
1W	+0.54%	+0.31%	+0.23	1 / 46	Q1
2W	+0.74%	+0.44%	+0.30	1 / 46	Q1
1M	+0.57%	+0.37%	+0.20	5 / 46	Q1
3M	+1.29%	+0.76%	+0.53	21 / 46	Q2
6M	+2.35%	+2.21%	+0.14	22 / 46	Q2
YTD	+2.09%	+2.13%	-0.04	21 / 46	Q2
1Y	+5.17%	+4.13%	+1.04	21 / 46	Q2
2Y	+6.53%	+4.13%	+2.40	20 / 45	Q2
3Y	+6.60%	+3.72%	+2.88	19 / 43	Q2
4Y	+6.49%	+3.52%	+2.98	16 / 43	Q2
5Y	+5.80%	+3.48%	+2.32	16 / 39	Q2
7Y	+6.12%	+3.42%	+2.70	9 / 38	Q1
10Y	+6.47%	+3.07%	+3.41	5 / 37	Q1
Inception	+7.12%	+4.14%	+2.98	9 / 46	Q1

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
2026 YTD	+2.09%	+1.25%	+0.84	18 / 37
2025	+6.95%	+3.42%	+3.52	13 / 36
2024	+7.06%	+3.30%	+3.76	17 / 38
2023	+6.72%	+3.11%	+3.61	8 / 38
2022	+4.29%	+3.32%	+0.97	4 / 37
2021	+3.47%	+2.96%	+0.50	12 / 34
2020	+7.66%	+4.32%	+3.35	4 / 35
2019	+8.18%	+1.00%	+7.18	6 / 39
2018	+7.07%	+2.90%	+4.17	9 / 37
2017	+6.35%	+2.57%	+3.78	14 / 37
2016	+8.43%	+3.64%	+4.79	8 / 38

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

+7.18%

234 windows

min 3.2% · max 9.9%

100% positive

3-Year rolling

+7.17%

210 windows

min 4.7% · max 9.0%

100% positive

5-Year rolling

+7.25%

186 windows

min 5.7% · max 8.8%

100% positive

7-Year rolling

+7.39%

161 windows

min 6.1% · max 8.4%

100% positive

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

0.58%

3-year · annualised

Sharpe ratio

-0.15

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.25%

May 2026 → May 2026

% positive months

100.0%

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 Low Duration Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA LOW DURATION FUND - IDCW Option	Nippon India	₹2,100.6845	10 Jun 2026
ICICI Prudential Flexible Income Plan Premium-Daily Dividend Plan	ICICI Prudential	₹105.7358	10 Jun 2026
Invesco India Low Duration Fund - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹4,086.3498	10 Jun 2026
Franklin India Low Duration Fund-IDCW	Franklin India	₹10.5780	10 Jun 2026
BARODA BNP PARIBAS LOW DURATION Fund-Defunct Plan- Daily IDCW Option	Baroda BNP Paribas	₹10.0499	10 Jun 2026
Canara Robeco Floating Rate-SHORT TERM PLAN-DAILY DIVIDEND REINVESTMENT	Canara Robeco	₹10.2600	10 Jun 2026
UTI - Treasury Advantage Fund - Quarterly Dividend Option	UTI	₹2,348.0464	10 Jun 2026
Birla Sun Life Cash Manager-Plan D(Weekly Dividend)	Birla Sun Life	₹100.6985	10 Jun 2026
IDFC Liquidity Manager - Daily Dividend	IDFC	₹10.1015	10 Jun 2026
JM Low Duration Fund - Bonus Option - Principal Units		₹23.5433	10 Jun 2026

Recent NAVs

Date	NAV
10 Jun 2026	₹691.0011
9 Jun 2026	₹690.6915
8 Jun 2026	₹689.6762
5 Jun 2026	₹688.7688
4 Jun 2026	₹687.2774
3 Jun 2026	₹687.0564
2 Jun 2026	₹687.0143
1 Jun 2026	₹686.8020
29 May 2026	₹686.3837
27 May 2026	₹685.8686

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.

As of 10 Jun 2026, the NAV of Birla Sun Life Cash Manager-Plan B(Growth) is ₹691.0011. It's a Low Duration Fund from Birla Sun Life, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Birla Sun Life Cash Manager-Plan B(Growth) has NAV history starting from 02 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 Cash Manager-Plan B(Growth) is managed by Birla Sun Life. It's classified by AMFI under the 'Low Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Cash Manager-Plan B(Growth) has delivered a absolute return of 5.17% — +1.04 pp ahead of the Low Duration Fund category average of 4.13%. The fund ranks #21 of 46 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Birla Sun Life Cash Manager-Plan B(Growth) has delivered a CAGR of 6.60% — +2.88 pp ahead of the Low Duration Fund category average of 3.72%. The fund ranks #19 of 43 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Birla Sun Life Cash Manager-Plan B(Growth) has delivered a CAGR of 5.80% — +2.32 pp ahead of the Low Duration Fund category average of 3.48%. The fund ranks #16 of 39 in its category — the second (Q2) quartile.

₹1 lakh invested in Birla Sun Life Cash Manager-Plan B(Growth) exactly 10 years ago would be worth approximately ₹187,263 today — a multiplier of 1.87×, based on the 10-year CAGR of 6.47%. The category average over the same window would have grown ₹1 lakh to ₹135,291.

A ₹10,000 monthly SIP in Birla Sun Life Cash Manager-Plan B(Growth) over the last 5 years — total invested ₹600,000 — would be worth ₹703,858 today. That's an XIRR (money-weighted annualised return) of 6.32%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Cash Manager-Plan B(Growth) = ₹1,200,000 invested. It would currently be worth ₹1,652,103 (multiplier 1.38×). XIRR: 6.22%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Birla Sun Life Cash Manager-Plan B(Growth) ranks #16 out of 39 funds in the Low Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.48%; this fund delivered 5.80%.

The worst peak-to-trough decline Birla Sun Life Cash Manager-Plan B(Growth) has experienced over the last 5-year window is 0.38% — its NAV fell from a high on 02 May 2022 to a low on 06 May 2022. 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 Cash Manager-Plan B(Growth) averaged 7.25% (best 8.80%, worst 5.69%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.24 — negative risk-adjusted performance.

In calendar year 2025, Birla Sun Life Cash Manager-Plan B(Growth) returned 6.95% — beating the Low Duration Fund category average of 3.42% by 3.52 pp. It ranked #13 of 36 in its category that year.

Birla Sun Life Cash Manager-Plan B(Growth) 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 Cash Manager-Plan B(Growth) 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. Worst 5-year drawdown: 0.4%. 5-year CAGR: 5.80%.

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

Birla Sun Life Cash Manager-Plan B(Growth)

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Low Duration Fund

Recent NAVs

Frequently asked questions

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