Should I invest in Birla Sun Life Fixed Maturity Plan - Annual Series 1?

We don't give personal investment advice. Birla Sun Life Fixed Maturity Plan - Annual Series 1-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.

Birla Sun Life

Birla Sun Life Fixed Maturity Plan - Annual Series 1-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	+0.00%	-9.99%	+9.99	247 / 1129	Q1
1W	+0.04%	-13.04%	+13.08	330 / 1151	Q2
2W	+0.02%	-13.18%	+13.20	338 / 1149	Q2
1M	+0.17%	-13.26%	+13.43	301 / 1137	Q2
3M	+1.63%	-13.15%	+14.78	172 / 1116	Q1
6M	+4.34%	-15.45%	+19.79	158 / 906	Q1
YTD	+9.05%	-15.77%	+24.82	27 / 952	Q1
1Y	+9.77%	-13.09%	+22.86	86 / 820	Q1
2Y	-4.20%	-12.72%	+8.52	364 / 446	Q4
3Y	-0.31%	-11.01%	+10.70	290 / 385	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.98%	-13.63%	+14.61	408 / 1199	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
2009 YTD	+9.05%	-12.86%	+21.90	110 / 713
2008	-16.29%	-2.02%	-14.27	359 / 380
2007	+7.97%	+4.84%	+3.14	63 / 142
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

-0.48%

33 windows

min -16.3% · max 10.1%

64% positive

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

3-Year rolling

-0.39%

9 windows

min -0.8% · max -0.1%

0% 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

13.14%

3-year · annualised

Sharpe ratio

-0.44

vs risk-free 6.5%

Sortino ratio

-0.45

Downside-only deviation

Max drawdown

-22.83%

Nov 2008 → Nov 2008

% positive months

97.2%

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
9 Dec 2009	₹11.2566
8 Dec 2009	₹11.2562
7 Dec 2009	₹11.2554
4 Dec 2009	₹11.2538
3 Dec 2009	₹11.2533
2 Dec 2009	₹11.2520
1 Dec 2009	₹11.2505
30 Nov 2009	₹11.2490
27 Nov 2009	₹11.2444
26 Nov 2009	₹11.2428

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 Fixed Maturity Plan - Annual Series 1-Growth 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 Fixed Maturity Plan - Annual Series 1-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 Fixed Maturity Plan - Annual Series 1-Growth 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 Fixed Maturity Plan - Annual Series 1-Growth has delivered a absolute return of 9.77% — +22.86 pp ahead of the Income category average of -13.09%. The fund ranks #86 of 820 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Birla Sun Life Fixed Maturity Plan - Annual Series 1-Growth has delivered a CAGR of -0.31% — +10.7 pp ahead of the Income category average of -11.01%. The fund ranks #290 of 385 in its category — the bottom (Q4) quartile.

Birla Sun Life Fixed Maturity Plan - Annual Series 1-Growth 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 Fixed Maturity Plan - Annual Series 1-Growth exactly 3 years ago would be worth approximately ₹99,078 today — a multiplier of 0.99×, based on the 3-year CAGR of -0.31%. The category average over the same window would have grown ₹1 lakh to ₹70,476.

A ₹10,000 monthly SIP in Birla Sun Life Fixed Maturity Plan - Annual Series 1-Growth over the last 3 years — total invested ₹360,000 — would be worth ₹349,164 today. That's an XIRR (money-weighted annualised return) of -1.97%.

Birla Sun Life Fixed Maturity Plan - Annual Series 1-Growth doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹349,164 — XIRR -1.97%.

On a 3-year basis, Birla Sun Life Fixed Maturity Plan - Annual Series 1-Growth ranks #290 out of 385 funds in the Income category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -11.01%; this fund delivered -0.31%.

The worst peak-to-trough decline Birla Sun Life Fixed Maturity Plan - Annual Series 1-Growth has experienced over the last 3-year window is 22.83% — its NAV fell from a high on 03 Nov 2008 to a low on 19 Nov 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 Fixed Maturity Plan - Annual Series 1-Growth averaged -0.39% (best -0.14%, worst -0.82%). 0% of rolling windows ended positive. The 3-year Sharpe ratio is -0.44 — negative risk-adjusted performance.

In calendar year 2008, Birla Sun Life Fixed Maturity Plan - Annual Series 1-Growth returned -16.29% — lagging the Income category average of -2.02% by 14.27 pp. It ranked #359 of 380 in its category that year.

Birla Sun Life Fixed Maturity Plan - Annual Series 1-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 Fixed Maturity Plan - Annual Series 1-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.

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