Should I invest in Birla Sun Life Gilt Plus?

We don't give personal investment advice. Birla Sun Life Gilt Plus-Regular 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: 13.7%. 5-year CAGR: -1.71%.

Birla Sun Life

Birla Sun Life Gilt Plus-Regular Plan-Dividend

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	-0.12%	-0.05%	-0.07	14 / 17	Q4
1W	-0.22%	+0.21%	-0.43	16 / 17	Q4
2W	+0.17%	+0.30%	-0.12	15 / 17	Q4
1M	-0.17%	+0.24%	-0.41	13 / 17	Q4
3M	+1.13%	+1.68%	-0.55	12 / 17	Q3
6M	-3.48%	+2.93%	-6.41	17 / 17	Q4
YTD	-1.75%	+3.53%	-5.28	17 / 17	Q4
1Y	-6.88%	+4.79%	-11.67	17 / 17	Q4
2Y	-3.54%	+3.77%	-7.32	16 / 17	Q4
3Y	-2.39%	+3.93%	-6.32	17 / 17	Q4
4Y	-1.53%	+5.32%	-6.85	12 / 12	Q4
5Y	-1.71%	+5.53%	-7.24	12 / 12	Q4
7Y	-0.76%	+5.35%	-6.11	11 / 11	Q4
10Y	+0.31%	+5.67%	-5.36	6 / 6	Q4
Inception	+0.48%	+4.62%	-4.15	17 / 17	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
2018 YTD	-1.75%	+1.62%	-3.37	6 / 6
2017	-7.53%	-1.67%	-5.86	6 / 6
2016	+3.68%	+10.11%	-6.43	6 / 8
2015	-2.41%	+3.15%	-5.56	11 / 11
2014	+6.13%	+9.33%	-3.20	10 / 12
2013	-4.27%	+2.09%	-6.36	12 / 12
2012	-0.13%	+6.47%	-6.59	14 / 14
2011	+1.58%	+5.07%	-3.50	14 / 15
2010	+2.21%	+2.35%	-0.13	7 / 15
2009	-12.34%	-5.08%	-7.26	10 / 11
2008	+18.70%	+21.69%	-2.99	3 / 4

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

+0.74%

137 windows

min -10.2% · max 17.9%

62% positive

3-Year rolling

+0.83%

112 windows

min -3.6% · max 3.9%

73% positive

5-Year rolling

+0.78%

88 windows

min -2.0% · max 2.5%

80% positive

7-Year rolling

+0.80%

64 windows

min -0.9% · max 2.0%

84% 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

5.61%

3-year · annualised

Sharpe ratio

-1.60

vs risk-free 6.5%

Sortino ratio

-2.15

Downside-only deviation

Max drawdown

-13.69%

Dec 2016 → Feb 2018

% positive months

47.2%

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
1 Jun 2018	₹11.6120
31 May 2018	₹11.6260
30 May 2018	₹11.6557
29 May 2018	₹11.6751
28 May 2018	₹11.6854
25 May 2018	₹11.6380
24 May 2018	₹11.5795
23 May 2018	₹11.5930
22 May 2018	₹11.6200
21 May 2018	₹11.6179

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-Regular Plan-Dividend is a Gilt from Birla Sun Life (Regular 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-Regular 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-Regular 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-Regular Plan-Dividend has delivered a absolute return of -6.88% — -11.67 pp behind the Gilt category average of 4.79%. The fund ranks #17 of 17 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Birla Sun Life Gilt Plus-Regular Plan-Dividend has delivered a CAGR of -2.39% — -6.32 pp behind the Gilt category average of 3.93%. The fund ranks #17 of 17 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Birla Sun Life Gilt Plus-Regular Plan-Dividend has delivered a CAGR of -1.71% — -7.24 pp behind the Gilt category average of 5.53%. The fund ranks #12 of 12 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Birla Sun Life Gilt Plus-Regular Plan-Dividend exactly 10 years ago would be worth approximately ₹103,128 today — a multiplier of 1.03×, based on the 10-year CAGR of 0.31%. The category average over the same window would have grown ₹1 lakh to ₹173,582.

A ₹10,000 monthly SIP in Birla Sun Life Gilt Plus-Regular Plan-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹565,929 today. That's an XIRR (money-weighted annualised return) of -2.29%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Gilt Plus-Regular Plan-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,141,982 (multiplier 0.95×). XIRR: -0.99%. 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 Gilt Plus-Regular Plan-Dividend ranks #12 out of 12 funds in the Gilt category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 5.53%; this fund delivered -1.71%.

The worst peak-to-trough decline Birla Sun Life Gilt Plus-Regular Plan-Dividend has experienced over the last 5-year window is 13.69% — its NAV fell from a high on 06 Dec 2016 to a low on 22 Feb 2018. 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-Regular Plan-Dividend averaged 0.78% (best 2.49%, worst -2.04%). 80% of rolling windows ended positive. The 5-year Sharpe ratio is -1.53 — negative risk-adjusted performance.

In calendar year 2017, Birla Sun Life Gilt Plus-Regular Plan-Dividend returned -7.53% — lagging the Gilt category average of -1.67% by 5.86 pp. It ranked #6 of 6 in its category that year.

Birla Sun Life Gilt Plus-Regular 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-Regular 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: 13.7%. 5-year CAGR: -1.71%.

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