Should I invest in Birla Sun Life Gilt Plus-Liquid Plan?

We don't give personal investment advice. Birla Sun Life Gilt Plus-Liquid Plan-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: 3.9%. 5-year CAGR: 0.67%.

Birla Sun Life

Birla Sun Life Gilt Plus-Liquid Plan-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	+0.01%	+0.01%	+0.01	25 / 67	Q2
1W	+0.11%	-10.06%	+10.17	32 / 69	Q2
2W	+0.23%	-9.67%	+9.90	26 / 73	Q2
1M	+0.52%	-9.89%	+10.41	17 / 72	Q1
3M	-0.44%	-12.90%	+12.46	52 / 76	Q3
6M	-0.61%	-12.24%	+11.63	46 / 76	Q3
YTD	+0.78%	-12.22%	+13.00	35 / 75	Q2
1Y	-0.83%	-10.28%	+9.45	56 / 75	Q3
2Y	-0.44%	-12.45%	+12.00	47 / 71	Q3
3Y	-0.78%	-16.88%	+16.09	50 / 70	Q3
4Y	+0.40%	-23.11%	+23.52	38 / 65	Q3
5Y	+0.67%	-27.10%	+27.77	30 / 60	Q2
7Y	+0.40%	-19.22%	+19.63	33 / 49	Q3
10Y	—	—	—	—	—
Inception	+0.20%	-18.29%	+18.49	58 / 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	+0.78%	+0.91%	-0.13	28 / 36
2014	-0.17%	+5.14%	-5.31	40 / 43
2013	+0.55%	-3.23%	+3.78	24 / 48
2012	+1.19%	+5.57%	-4.38	47 / 55
2011	+1.84%	+2.07%	-0.23	39 / 59
2010	+1.86%	+0.75%	+1.12	41 / 68
2009	-2.01%	-6.22%	+4.22	23 / 65
2008	-1.38%	+7.61%	-8.99	59 / 63
2007	-1.50%	+1.73%	-3.23	49 / 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

0.00%

106 windows

min -4.4% · max 4.1%

48% positive

3-Year rolling

+0.27%

82 windows

min -2.0% · max 2.7%

60% positive

5-Year rolling

+0.49%

58 windows

min -0.4% · max 1.4%

78% positive

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

7-Year rolling

+0.22%

33 windows

min 0.0% · max 0.4%

94% 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

3.94%

3-year · annualised

Sharpe ratio

-1.83

vs risk-free 6.5%

Sortino ratio

-2.14

Downside-only deviation

Max drawdown

-3.89%

Dec 2012 → Mar 2013

% positive months

66.7%

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	₹10.8119
10 Dec 2015	₹10.8103
9 Dec 2015	₹10.8085
8 Dec 2015	₹10.8067
7 Dec 2015	₹10.8049
4 Dec 2015	₹10.7998
3 Dec 2015	₹10.7981
2 Dec 2015	₹10.7963
1 Dec 2015	₹10.7945
30 Nov 2015	₹10.7926

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-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-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-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-Dividend has delivered a absolute return of -0.83% — +9.45 pp ahead of the Gilt category average of -10.28%. The fund ranks #56 of 75 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Birla Sun Life Gilt Plus-Liquid Plan-Dividend has delivered a CAGR of -0.78% — +16.09 pp ahead of the Gilt category average of -16.88%. The fund ranks #50 of 70 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Birla Sun Life Gilt Plus-Liquid Plan-Dividend has delivered a CAGR of 0.67% — +27.77 pp ahead of the Gilt category average of -27.10%. The fund ranks #30 of 60 in its category — the second (Q2) quartile.

₹1 lakh invested in Birla Sun Life Gilt Plus-Liquid Plan-Dividend exactly 5 years ago would be worth approximately ₹103,376 today — a multiplier of 1.03×, based on the 5-year CAGR of 0.67%. 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-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹604,265 today. That's an XIRR (money-weighted annualised return) of 0.28%.

Birla Sun Life Gilt Plus-Liquid Plan-Dividend doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹856,126 — XIRR 0.54%.

On a 5-year basis, Birla Sun Life Gilt Plus-Liquid Plan-Dividend ranks #30 out of 60 funds in the Gilt category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -27.10%; this fund delivered 0.67%.

The worst peak-to-trough decline Birla Sun Life Gilt Plus-Liquid Plan-Dividend has experienced over the last 5-year window is 3.89% — its NAV fell from a high on 17 Dec 2012 to a low on 18 Mar 2013. 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-Dividend averaged 0.49% (best 1.41%, worst -0.42%). 78% of rolling windows ended positive. The 5-year Sharpe ratio is -1.73 — negative risk-adjusted performance.

In calendar year 2014, Birla Sun Life Gilt Plus-Liquid Plan-Dividend returned -0.17% — lagging the Gilt category average of 5.14% by 5.31 pp. It ranked #40 of 43 in its category that year.

Birla Sun Life Gilt Plus-Liquid Plan-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-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: 3.9%. 5-year CAGR: 0.67%.

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