Should I invest in BIRLA SUN LIFE INCOME FUND (Discipline Advantage Plan)?

We don't give personal investment advice. BIRLA SUN LIFE INCOME FUND (Discipline Advantage Plan) 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: 1.5%. 5-year CAGR: 8.48%.

Birla Sun Life

BIRLA SUN LIFE INCOME FUND (Discipline Advantage Plan)

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	+0.04%	-9.99%	+10.03	93 / 1129	Q1
1W	+0.27%	-13.04%	+13.31	115 / 1151	Q1
2W	+0.35%	-13.18%	+13.53	129 / 1149	Q1
1M	+0.15%	-13.26%	+13.41	310 / 1137	Q2
3M	+1.25%	-13.15%	+14.40	240 / 1116	Q1
6M	+1.86%	-15.45%	+17.31	352 / 906	Q2
YTD	+1.76%	-15.77%	+17.54	266 / 952	Q2
1Y	+5.51%	-13.09%	+18.60	300 / 820	Q2
2Y	+7.39%	-12.72%	+20.11	86 / 446	Q1
3Y	+7.91%	-11.01%	+18.92	56 / 385	Q1
4Y	+8.48%	-6.52%	+14.99	36 / 339	Q1
5Y	+8.48%	-7.36%	+15.84	35 / 314	Q1
7Y	+9.05%	+2.53%	+6.52	9 / 234	Q1
10Y	—	—	—	—	—
Inception	+8.07%	-13.63%	+21.70	180 / 1199	Q1

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	+1.76%	+1.30%	+0.46	24 / 90
2017	+6.30%	+1.63%	+4.67	17 / 137
2016	+10.29%	+3.02%	+7.27	17 / 181
2015	+8.96%	+2.22%	+6.74	9 / 216
2014	+10.82%	+5.51%	+5.31	45 / 240
2013	+8.29%	-1.95%	+10.25	44 / 276
2012	+10.43%	+1.38%	+9.05	42 / 295
2011	+9.53%	-3.16%	+12.69	21 / 317
2010	+3.83%	-5.78%	+9.61	109 / 377
2009	—	—	—	—

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

+8.55%

101 windows

min 3.2% · max 11.4%

100% positive

3-Year rolling

+9.10%

76 windows

min 6.2% · max 10.4%

100% positive

5-Year rolling

+9.14%

52 windows

min 7.2% · max 10.1%

100% positive

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

7-Year rolling

+8.98%

28 windows

min 8.1% · max 9.3%

100% 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

1.45%

3-year · annualised

Sharpe ratio

0.82

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.75%

Dec 2016 → Dec 2016

% 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
30 May 2018	₹20.4609
29 May 2018	₹20.4522
28 May 2018	₹20.4443
25 May 2018	₹20.4206
24 May 2018	₹20.4055
23 May 2018	₹20.4054
22 May 2018	₹20.4063
21 May 2018	₹20.4020
18 May 2018	₹20.3983
17 May 2018	₹20.3822

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 INCOME FUND (Discipline Advantage Plan) 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 INCOME FUND (Discipline Advantage Plan) has NAV history starting from 18 Mar 2009, a track record of about 17 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 INCOME FUND (Discipline Advantage Plan) 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 INCOME FUND (Discipline Advantage Plan) has delivered a absolute return of 5.51% — +18.6 pp ahead of the Income category average of -13.09%. The fund ranks #300 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, BIRLA SUN LIFE INCOME FUND (Discipline Advantage Plan) has delivered a CAGR of 7.91% — +18.92 pp ahead of the Income category average of -11.01%. The fund ranks #56 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, BIRLA SUN LIFE INCOME FUND (Discipline Advantage Plan) has delivered a CAGR of 8.48% — +15.84 pp ahead of the Income category average of -7.36%. The fund ranks #35 of 314 in its category — the top (Q1) quartile.

₹1 lakh invested in BIRLA SUN LIFE INCOME FUND (Discipline Advantage Plan) exactly 5 years ago would be worth approximately ₹150,222 today — a multiplier of 1.50×, based on the 5-year CAGR of 8.48%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in BIRLA SUN LIFE INCOME FUND (Discipline Advantage Plan) over the last 5 years — total invested ₹600,000 — would be worth ₹734,626 today. That's an XIRR (money-weighted annualised return) of 8.03%.

BIRLA SUN LIFE INCOME FUND (Discipline Advantage Plan) doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,135,960 — XIRR 8.48%.

On a 5-year basis, BIRLA SUN LIFE INCOME FUND (Discipline Advantage Plan) ranks #35 out of 314 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -7.36%; this fund delivered 8.48%.

The worst peak-to-trough decline BIRLA SUN LIFE INCOME FUND (Discipline Advantage Plan) has experienced over the last 5-year window is 1.51% — its NAV fell from a high on 15 Jul 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 INCOME FUND (Discipline Advantage Plan) averaged 9.14% (best 10.05%, worst 7.18%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 1.05 — strong risk-adjusted performance.

In calendar year 2017, BIRLA SUN LIFE INCOME FUND (Discipline Advantage Plan) returned 6.30% — beating the Income category average of 1.63% by 4.67 pp. It ranked #17 of 137 in its category that year.

BIRLA SUN LIFE INCOME FUND (Discipline Advantage Plan) 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 INCOME FUND (Discipline Advantage Plan) 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: 1.5%. 5-year CAGR: 8.48%.

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

BIRLA SUN LIFE INCOME FUND (Discipline Advantage Plan)

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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