Should I invest in Birla Sun Life Gilt Plus?

We don't give personal investment advice. Birla Sun Life Gilt Plus-Regular 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: 10.6%. 5-year CAGR: 4.75%.

Birla Sun Life

Birla Sun Life Gilt Plus-Regular Plan-Growth

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	15 / 17	Q4
1W	-0.22%	+0.21%	-0.43	15 / 17	Q4
2W	+0.17%	+0.30%	-0.12	14 / 17	Q4
1M	-0.17%	+0.24%	-0.41	12 / 17	Q3
3M	+1.13%	+1.68%	-0.55	11 / 17	Q3
6M	-3.48%	+2.93%	-6.41	16 / 17	Q4
YTD	-1.75%	+3.53%	-5.28	16 / 17	Q4
1Y	-2.96%	+4.79%	-7.76	16 / 17	Q4
2Y	+3.78%	+3.77%	+0.01	13 / 17	Q4
3Y	+5.29%	+3.93%	+1.35	7 / 17	Q2
4Y	+6.63%	+5.32%	+1.31	6 / 12	Q2
5Y	+4.75%	+5.53%	-0.78	8 / 12	Q3
7Y	+6.04%	+5.35%	+0.69	7 / 11	Q3
10Y	+6.45%	+5.67%	+0.78	4 / 6	Q3
Inception	+6.85%	+4.62%	+2.22	5 / 17	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
2018 YTD	-1.75%	+1.62%	-3.37	5 / 6
2017	-0.70%	-1.67%	+0.97	4 / 6
2016	+13.74%	+10.11%	+3.63	4 / 8
2015	+7.08%	+3.15%	+3.93	1 / 11
2014	+12.89%	+9.33%	+3.56	5 / 12
2013	-0.47%	+2.09%	-2.56	10 / 12
2012	+8.15%	+6.47%	+1.69	5 / 14
2011	+5.71%	+5.07%	+0.64	7 / 15
2010	+3.05%	+2.35%	+0.71	4 / 15
2009	-6.97%	-5.08%	-1.89	7 / 11
2008	+27.46%	+21.69%	+5.77	1 / 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

+7.46%

137 windows

min -3.5% · max 26.6%

90% positive

3-Year rolling

+7.12%

112 windows

min 0.3% · max 12.0%

100% positive

5-Year rolling

+6.69%

88 windows

min 2.5% · max 8.5%

100% positive

7-Year rolling

+6.71%

64 windows

min 4.8% · max 8.4%

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

5.02%

3-year · annualised

Sharpe ratio

-0.28

vs risk-free 6.5%

Sortino ratio

-0.52

Downside-only deviation

Max drawdown

-6.61%

Sep 2017 → Feb 2018

% 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
1 Jun 2018	₹48.7047
31 May 2018	₹48.7634
30 May 2018	₹48.8877
29 May 2018	₹48.9691
28 May 2018	₹49.0123
25 May 2018	₹48.8136
24 May 2018	₹48.5683
23 May 2018	₹48.6251
22 May 2018	₹48.7383
21 May 2018	₹48.7292

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-Growth 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-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 Gilt Plus-Regular Plan-Growth 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-Growth has delivered a absolute return of -2.96% — -7.76 pp behind the Gilt category average of 4.79%. The fund ranks #16 of 17 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Birla Sun Life Gilt Plus-Regular Plan-Growth has delivered a CAGR of 5.29% — +1.35 pp ahead of the Gilt category average of 3.93%. The fund ranks #7 of 17 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Birla Sun Life Gilt Plus-Regular Plan-Growth has delivered a CAGR of 4.75% — -0.78 pp behind the Gilt category average of 5.53%. The fund ranks #8 of 12 in its category — the third (Q3) quartile.

₹1 lakh invested in Birla Sun Life Gilt Plus-Regular Plan-Growth exactly 10 years ago would be worth approximately ₹186,785 today — a multiplier of 1.87×, based on the 10-year CAGR of 6.45%. 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-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹679,636 today. That's an XIRR (money-weighted annualised return) of 4.92%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Gilt Plus-Regular Plan-Growth = ₹1,200,000 invested. It would currently be worth ₹1,602,734 (multiplier 1.34×). XIRR: 5.64%. 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-Growth ranks #8 out of 12 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 5.53%; this fund delivered 4.75%.

The worst peak-to-trough decline Birla Sun Life Gilt Plus-Regular Plan-Growth has experienced over the last 5-year window is 10.58% — its NAV fell from a high on 04 Jun 2013 to a low on 19 Aug 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-Regular Plan-Growth averaged 6.69% (best 8.51%, worst 2.49%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.37 — negative risk-adjusted performance.

In calendar year 2017, Birla Sun Life Gilt Plus-Regular Plan-Growth returned -0.70% — beating the Gilt category average of -1.67% by 0.97 pp. It ranked #4 of 6 in its category that year.

Birla Sun Life Gilt Plus-Regular 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 Gilt Plus-Regular 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: 10.6%. 5-year CAGR: 4.75%.

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

Birla Sun Life Gilt Plus-Regular Plan-Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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