Birla Sun Life

Birla Sun Life Cash Plus-Institutional Premium Plan-Monthly 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	+0.00%	+0.34%	-0.34	68 / 110	Q3
1W	+0.00%	+0.31%	-0.31	57 / 107	Q3
2W	+0.00%	+0.36%	-0.36	55 / 106	Q3
1M	+0.00%	+0.37%	-0.37	61 / 106	Q3
3M	+0.00%	+0.70%	-0.70	59 / 105	Q3
6M	+0.00%	-0.73%	+0.73	52 / 105	Q2
YTD	+0.00%	-1.59%	+1.59	59 / 102	Q3
1Y	-0.17%	-0.61%	+0.44	94 / 100	Q4
2Y	-0.16%	-0.86%	+0.70	86 / 96	Q4
3Y	-0.11%	-1.06%	+0.95	80 / 89	Q4
4Y	-0.08%	-1.39%	+1.30	76 / 86	Q4
5Y	-0.01%	+0.08%	-0.09	62 / 76	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.01%	-1.26%	+1.25	88 / 110	Q4

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
2011 YTD	+0.00%	-0.45%	+0.45	39 / 67
2010	-0.01%	-1.24%	+1.23	67 / 73
2009	-0.02%	+0.17%	-0.20	60 / 75
2008	-0.02%	+2.60%	-2.62	57 / 61
2007	-0.07%	+0.04%	-0.10	39 / 48
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

-0.09%

48 windows

min -0.6% · max 0.8%

27% positive

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

3-Year rolling

-0.08%

24 windows

min -0.1% · max 0.1%

4% 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

0.13%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.82%

Sep 2008 → Sep 2008

% positive months

27.8%

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
15 Feb 2011	₹10.0000
11 Feb 2011	₹10.0000
10 Feb 2011	₹10.0000
9 Feb 2011	₹10.0000
8 Feb 2011	₹10.0000
7 Feb 2011	₹10.0000
6 Feb 2011	₹10.0000
4 Feb 2011	₹10.0000
3 Feb 2011	₹10.0000
2 Feb 2011	₹10.0000

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 Cash Plus-Institutional Premium Plan-Monthly Dividend is a Liquid from Birla Sun Life (Institutional 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 Cash Plus-Institutional Premium Plan-Monthly Dividend 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 Plus-Institutional Premium Plan-Monthly Dividend is managed by Birla Sun Life. It's classified by AMFI under the 'Liquid' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Cash Plus-Institutional Premium Plan-Monthly Dividend has delivered a absolute return of -0.17% — +0.44 pp ahead of the Liquid category average of -0.61%. The fund ranks #94 of 100 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Birla Sun Life Cash Plus-Institutional Premium Plan-Monthly Dividend has delivered a CAGR of -0.11% — +0.95 pp ahead of the Liquid category average of -1.06%. The fund ranks #80 of 89 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Birla Sun Life Cash Plus-Institutional Premium Plan-Monthly Dividend has delivered a CAGR of -0.01% — -0.09 pp behind the Liquid category average of 0.08%. The fund ranks #62 of 76 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Birla Sun Life Cash Plus-Institutional Premium Plan-Monthly Dividend exactly 5 years ago would be worth approximately ₹99,961 today — a multiplier of 1.00×, based on the 5-year CAGR of -0.01%. The category average over the same window would have grown ₹1 lakh to ₹100,422.

A ₹10,000 monthly SIP in Birla Sun Life Cash Plus-Institutional Premium Plan-Monthly Dividend over the last 3 years — total invested ₹360,000 — would be worth ₹359,232 today. That's an XIRR (money-weighted annualised return) of -0.14%.

Birla Sun Life Cash Plus-Institutional Premium Plan-Monthly Dividend doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹359,232 — XIRR -0.14%.

On a 5-year basis, Birla Sun Life Cash Plus-Institutional Premium Plan-Monthly Dividend ranks #62 out of 76 funds in the Liquid category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 0.08%; this fund delivered -0.01%.

The worst peak-to-trough decline Birla Sun Life Cash Plus-Institutional Premium Plan-Monthly Dividend has experienced over the last 3-year window is 0.82% — its NAV fell from a high on 29 Sep 2008 to a low on 30 Sep 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 Cash Plus-Institutional Premium Plan-Monthly Dividend averaged -0.08% (best 0.15%, worst -0.15%). 4% of rolling windows ended positive.

In calendar year 2010, Birla Sun Life Cash Plus-Institutional Premium Plan-Monthly Dividend returned -0.01% — beating the Liquid category average of -1.24% by 1.23 pp. It ranked #67 of 73 in its category that year.

Birla Sun Life Cash Plus-Institutional Premium Plan-Monthly 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 Cash Plus-Institutional Premium Plan-Monthly 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. 5-year CAGR: -0.01%.

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