Should I invest in Birla Sun Life Gilt Plus-Liquid Plan (Annual Dividend)?

We don't give personal investment advice. Birla Sun Life Gilt Plus-Liquid Plan (Annual 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+ 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: 7.4%. 5-year CAGR: 0.43%.

Birla Sun Life

Birla Sun Life Gilt Plus-Liquid Plan (Annual 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	+0.02%	+0.01%	+0.01	23 / 67	Q2
1W	+0.11%	-10.06%	+10.17	30 / 69	Q2
2W	+0.23%	-9.67%	+9.90	24 / 73	Q2
1M	+0.53%	-9.89%	+10.41	15 / 72	Q1
3M	+1.57%	-12.90%	+14.47	20 / 76	Q2
6M	+3.41%	-12.24%	+15.65	19 / 76	Q1
YTD	-0.94%	-12.22%	+11.28	52 / 75	Q3
1Y	-0.57%	-10.28%	+9.71	53 / 75	Q3
2Y	-0.20%	-12.45%	+12.24	46 / 71	Q3
3Y	+0.43%	-16.88%	+17.31	45 / 70	Q3
4Y	+0.55%	-23.11%	+23.67	35 / 65	Q3
5Y	+0.43%	-27.10%	+27.53	34 / 60	Q3
7Y	+0.79%	-19.22%	+20.01	29 / 49	Q3
10Y	—	—	—	—	—
Inception	-0.45%	-18.29%	+17.84	63 / 85	Q3

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
2015 YTD	-0.94%	+0.91%	-1.84	31 / 36
2014	+0.08%	+5.14%	-5.06	39 / 43
2013	+1.70%	-3.23%	+4.93	22 / 48
2012	+0.88%	+5.57%	-4.69	50 / 55
2011	+0.04%	+2.07%	-2.03	49 / 59
2010	+3.49%	+0.75%	+2.74	27 / 68
2009	-0.03%	-6.22%	+6.19	16 / 65
2008	-12.48%	+7.61%	-20.09	60 / 63
2007	-1.39%	+1.73%	-3.12	48 / 53
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

-0.86%

106 windows

min -16.1% · max 6.5%

58% positive

3-Year rolling

-0.55%

82 windows

min -5.0% · max 3.2%

68% positive

5-Year rolling

-0.44%

58 windows

min -3.1% · max 2.0%

57% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

-0.69%

33 windows

min -1.5% · max 0.8%

27% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

7.02%

3-year · annualised

Sharpe ratio

-0.83

vs risk-free 6.5%

Sortino ratio

-0.88

Downside-only deviation

Max drawdown

-7.40%

Mar 2014 → Mar 2015

% positive months

91.7%

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
11 Dec 2015	₹10.8838
10 Dec 2015	₹10.8821
9 Dec 2015	₹10.8803
8 Dec 2015	₹10.8785
7 Dec 2015	₹10.8766
4 Dec 2015	₹10.8715
3 Dec 2015	₹10.8698
2 Dec 2015	₹10.8680
1 Dec 2015	₹10.8662
30 Nov 2015	₹10.8643

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

Over the trailing 1-year window, Birla Sun Life Gilt Plus-Liquid Plan (Annual Dividend) has delivered a absolute return of -0.57% — +9.71 pp ahead of the Gilt category average of -10.28%. The fund ranks #53 of 75 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Birla Sun Life Gilt Plus-Liquid Plan (Annual Dividend) has delivered a CAGR of 0.43% — +17.31 pp ahead of the Gilt category average of -16.88%. The fund ranks #45 of 70 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Birla Sun Life Gilt Plus-Liquid Plan (Annual Dividend) has delivered a CAGR of 0.43% — +27.53 pp ahead of the Gilt category average of -27.10%. The fund ranks #34 of 60 in its category — the third (Q3) quartile.

₹1 lakh invested in Birla Sun Life Gilt Plus-Liquid Plan (Annual Dividend) exactly 5 years ago would be worth approximately ₹102,158 today — a multiplier of 1.02×, based on the 5-year CAGR of 0.43%. The category average over the same window would have grown ₹1 lakh to ₹20,585.

A ₹10,000 monthly SIP in Birla Sun Life Gilt Plus-Liquid Plan (Annual Dividend) over the last 5 years — total invested ₹600,000 — would be worth ₹614,281 today. That's an XIRR (money-weighted annualised return) of 0.93%.

Birla Sun Life Gilt Plus-Liquid Plan (Annual Dividend) doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹867,595 — XIRR 0.91%.

On a 5-year basis, Birla Sun Life Gilt Plus-Liquid Plan (Annual Dividend) ranks #34 out of 60 funds in the Gilt category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -27.10%; this fund delivered 0.43%.

The worst peak-to-trough decline Birla Sun Life Gilt Plus-Liquid Plan (Annual Dividend) has experienced over the last 5-year window is 7.40% — its NAV fell from a high on 18 Mar 2014 to a low on 17 Mar 2015. 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 Gilt Plus-Liquid Plan (Annual Dividend) averaged -0.44% (best 2.03%, worst -3.15%). 57% of rolling windows ended positive. The 5-year Sharpe ratio is -0.86 — negative risk-adjusted performance.

In calendar year 2014, Birla Sun Life Gilt Plus-Liquid Plan (Annual Dividend) returned 0.08% — lagging the Gilt category average of 5.14% by 5.06 pp. It ranked #39 of 43 in its category that year.

Birla Sun Life Gilt Plus-Liquid Plan (Annual 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 Gilt Plus-Liquid Plan (Annual 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. Worst 5-year drawdown: 7.4%. 5-year CAGR: 0.43%.

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