Should I invest in Birla Sun Life Dynamic Bond Fund?

We don't give personal investment advice. Birla Sun Life Dynamic Bond Fund-Retail Plan-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: 1.2%. 5-year CAGR: 6.59%.

Birla Sun Life

Birla Sun Life Dynamic Bond Fund-Retail Plan-Growth

Latest NAV

₹48.2968

As of

10 Jun 2026

4,883 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	+0.33%	+0.16%	+0.17	3 / 7	Q2
1W	+0.87%	+0.78%	+0.09	3 / 7	Q2
2W	+1.11%	+1.03%	+0.09	3 / 7	Q2
1M	+1.01%	+1.12%	-0.11	3 / 7	Q2
3M	+1.18%	+0.64%	+0.53	3 / 7	Q2
6M	+2.51%	+1.29%	+1.22	3 / 7	Q2
YTD	+1.92%	+1.52%	+0.40	2 / 7	Q2
1Y	+3.54%	+0.88%	+2.66	2 / 7	Q2
2Y	+7.04%	+2.31%	+4.73	1 / 7	Q1
3Y	+6.98%	+2.34%	+4.64	1 / 7	Q1
4Y	+7.77%	+2.78%	+4.99	1 / 6	Q1
5Y	+6.59%	+2.02%	+4.57	1 / 6	Q1
7Y	+6.06%	+2.17%	+3.89	1 / 6	Q1
10Y	+6.06%	+2.32%	+3.74	1 / 5	Q1
Inception	+7.72%	+3.02%	+4.70	1 / 7	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	+1.92%	+0.74%	+1.18	1 / 5
2025	+7.10%	+2.45%	+4.65	1 / 5
2024	+8.91%	+4.97%	+3.94	1 / 5
2023	+6.74%	+2.47%	+4.28	1 / 5
2022	+5.96%	+1.66%	+4.30	1 / 5
2021	+4.91%	+1.20%	+3.71	1 / 5
2020	+9.63%	+6.35%	+3.28	1 / 6
2019	-0.65%	-0.30%	-0.35	4 / 6
2018	+5.64%	+2.18%	+3.46	1 / 6
2017	+0.89%	-2.92%	+3.81	2 / 6
2016	+13.86%	+8.59%	+5.27	2 / 6

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

+7.86%

234 windows

min -1.1% · max 17.9%

97% positive

3-Year rolling

+7.79%

210 windows

min 1.5% · max 13.5%

100% positive

5-Year rolling

+7.65%

186 windows

min 3.5% · max 11.7%

100% positive

7-Year rolling

+7.64%

161 windows

min 4.3% · max 10.3%

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

1.87%

3-year · annualised

Sharpe ratio

0.15

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.20%

Jun 2025 → Aug 2025

% positive months

86.1%

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 Dynamic Bond Fund

Scheme	Fund house	NAV	As of
HDFC Dynamic Debt Fund - Half Yearly IDCW - Direct Plan	HDFC	₹13.7660	10 Jun 2026
NIPPON INDIA DYNAMIC BOND FUND - Direct Plan - IDCW Option	Nippon India	₹30.2959	10 Jun 2026
SBI Dynamic Bond Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.8062	10 Jun 2026
ICICI Prudential All Seasons Bond Fund - Annual IDCW	ICICI Prudential	₹11.3295	10 Jun 2026
BANDHAN Dynamic Bond Fund - Regular Plan B - Annual IDCW	Bandhan	₹11.3554	10 Jun 2026
Quantum Dynamic Bond Fund - Direct Plan Monthly IDCW	Quantum	₹10.2883	10 Jun 2026
Aditya Birla Sun Life Dynamic Bond Fund -Direct - IDCW	Aditya Birla Sun Life	₹13.0747	10 Jun 2026
Franklin India Dynamic Accrual Fund- Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - IDCW	Franklin India	₹0.0000	10 Jun 2026
Mirae Asset Dynamic Bond Fund Direct IDCW	Mirae Asset	₹18.6547	10 Jun 2026
Kotak Dynamic Bond Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹14.9194	10 Jun 2026

Recent NAVs

Date	NAV
10 Jun 2026	₹48.2968
9 Jun 2026	₹48.2958
8 Jun 2026	₹48.1382
5 Jun 2026	₹48.0657
4 Jun 2026	₹47.9007
3 Jun 2026	₹47.8673
2 Jun 2026	₹47.8799
1 Jun 2026	₹47.8658
29 May 2026	₹47.8610
27 May 2026	₹47.8244

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 Dynamic Bond Fund-Retail Plan-Growth is ₹48.2968. It's a Dynamic Bond Fund from Birla Sun Life, run as a Retail plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Birla Sun Life Dynamic Bond Fund-Retail Plan-Growth 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 Dynamic Bond Fund-Retail Plan-Growth is managed by Birla Sun Life. It's classified by AMFI under the 'Dynamic Bond Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Dynamic Bond Fund-Retail Plan-Growth has delivered a absolute return of 3.54% — +2.66 pp ahead of the Dynamic Bond Fund category average of 0.88%. The fund ranks #2 of 7 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Birla Sun Life Dynamic Bond Fund-Retail Plan-Growth has delivered a CAGR of 6.98% — +4.64 pp ahead of the Dynamic Bond Fund category average of 2.34%. The fund ranks #1 of 7 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Birla Sun Life Dynamic Bond Fund-Retail Plan-Growth has delivered a CAGR of 6.59% — +4.57 pp ahead of the Dynamic Bond Fund category average of 2.02%. The fund ranks #1 of 6 in its category — the top (Q1) quartile.

₹1 lakh invested in Birla Sun Life Dynamic Bond Fund-Retail Plan-Growth exactly 10 years ago would be worth approximately ₹180,043 today — a multiplier of 1.80×, based on the 10-year CAGR of 6.06%. The category average over the same window would have grown ₹1 lakh to ₹125,761.

A ₹10,000 monthly SIP in Birla Sun Life Dynamic Bond Fund-Retail Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹714,318 today. That's an XIRR (money-weighted annualised return) of 6.90%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Dynamic Bond Fund-Retail Plan-Growth = ₹1,200,000 invested. It would currently be worth ₹1,650,810 (multiplier 1.38×). XIRR: 6.21%. 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 Dynamic Bond Fund-Retail Plan-Growth ranks #1 out of 6 funds in the Dynamic Bond Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.02%; this fund delivered 6.59%.

The worst peak-to-trough decline Birla Sun Life Dynamic Bond Fund-Retail Plan-Growth has experienced over the last 5-year window is 1.24% — its NAV fell from a high on 31 Mar 2022 to a low on 09 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 Dynamic Bond Fund-Retail Plan-Growth averaged 7.65% (best 11.66%, worst 3.50%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.03 — negative risk-adjusted performance.

In calendar year 2025, Birla Sun Life Dynamic Bond Fund-Retail Plan-Growth returned 7.10% — beating the Dynamic Bond Fund category average of 2.45% by 4.65 pp. It ranked #1 of 5 in its category that year.

Birla Sun Life Dynamic Bond Fund-Retail Plan-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 Dynamic Bond Fund-Retail Plan-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: 1.2%. 5-year CAGR: 6.59%.

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

Birla Sun Life Dynamic Bond Fund-Retail Plan-Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Dynamic Bond Fund

Recent NAVs

Frequently asked questions

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