Should I invest in Birla Sun Life Long Term Fund?

We don't give personal investment advice. Birla Sun Life Long Term Fund-Dividend Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 23.8%. 5-year CAGR: 8.06%.

Birla Sun Life

Birla Sun Life Long Term Fund-Dividend Option

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	+1.37%	+0.06%	+1.31	31 / 299	Q1
1W	-0.81%	-3.61%	+2.80	204 / 303	Q3
2W	+1.21%	-4.52%	+5.73	85 / 303	Q2
1M	-4.65%	-5.64%	+0.99	224 / 302	Q3
3M	-4.85%	-4.27%	-0.57	192 / 302	Q3
6M	-11.59%	+1.48%	-13.07	238 / 307	Q4
YTD	-6.10%	-0.18%	-5.92	187 / 309	Q3
1Y	-18.71%	+7.10%	-25.82	255 / 307	Q4
2Y	+11.83%	+2.20%	+9.63	116 / 303	Q2
3Y	+9.32%	+0.76%	+8.56	102 / 264	Q2
4Y	+10.50%	+0.58%	+9.92	70 / 235	Q2
5Y	+8.06%	+0.02%	+8.04	67 / 208	Q2
7Y	+16.11%	+3.12%	+12.99	9 / 130	Q1
10Y	—	—	—	—	—
Inception	+6.59%	+0.51%	+6.08	116 / 310	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
2016 YTD	-6.10%	+1.07%	-7.17	70 / 88
2015	-10.11%	-3.94%	-6.16	85 / 99
2014	+40.49%	+34.59%	+5.90	50 / 133
2013	+7.83%	+0.03%	+7.81	22 / 154
2012	+31.57%	+23.57%	+8.00	56 / 190
2011	-24.23%	-23.68%	-0.55	131 / 241
2010	+12.34%	+11.69%	+0.66	131 / 256
2009	+81.35%	+65.86%	+15.49	68 / 238
2008	-54.49%	-52.86%	-1.63	86 / 198
2007	+36.26%	+42.91%	-6.65	91 / 137
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

+11.56%

102 windows

min -56.6% · max 118.7%

68% positive

3-Year rolling

+9.35%

78 windows

min -2.2% · max 25.2%

95% positive

5-Year rolling

+7.87%

53 windows

min -0.4% · max 20.5%

96% positive

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

7-Year rolling

+8.88%

29 windows

min 4.4% · max 16.7%

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

16.97%

3-year · annualised

Sharpe ratio

0.23

vs risk-free 6.5%

Sortino ratio

0.34

Downside-only deviation

Max drawdown

-23.80%

Mar 2015 → Jan 2016

% positive months

58.3%

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
5 Feb 2016	₹18.4600
4 Feb 2016	₹18.2100
3 Feb 2016	₹18.2800
2 Feb 2016	₹18.4200
1 Feb 2016	₹18.6500
29 Jan 2016	₹18.6100
28 Jan 2016	₹18.2900
27 Jan 2016	₹18.3500
25 Jan 2016	₹18.3100
22 Jan 2016	₹18.2400

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 Long Term Fund-Dividend Option is a Growth from Birla Sun Life (Unknown plan, Growth option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Birla Sun Life Long Term Fund-Dividend Option has NAV history starting from 11 Oct 2006, a track record of about 19 years 8 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 Long Term Fund-Dividend Option is managed by Birla Sun Life. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Long Term Fund-Dividend Option has delivered a absolute return of -18.71% — -25.82 pp behind the Growth category average of 7.10%. The fund ranks #255 of 307 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Birla Sun Life Long Term Fund-Dividend Option has delivered a CAGR of 9.32% — +8.56 pp ahead of the Growth category average of 0.76%. The fund ranks #102 of 264 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Birla Sun Life Long Term Fund-Dividend Option has delivered a CAGR of 8.06% — +8.04 pp ahead of the Growth category average of 0.02%. The fund ranks #67 of 208 in its category — the second (Q2) quartile.

₹1 lakh invested in Birla Sun Life Long Term Fund-Dividend Option exactly 5 years ago would be worth approximately ₹147,326 today — a multiplier of 1.47×, based on the 5-year CAGR of 8.06%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in Birla Sun Life Long Term Fund-Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹742,707 today. That's an XIRR (money-weighted annualised return) of 8.45%.

Birla Sun Life Long Term Fund-Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,150,794 — XIRR 8.83%.

On a 5-year basis, Birla Sun Life Long Term Fund-Dividend Option ranks #67 out of 208 funds in the Growth category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 0.02%; this fund delivered 8.06%.

The worst peak-to-trough decline Birla Sun Life Long Term Fund-Dividend Option has experienced over the last 5-year window is 23.80% — its NAV fell from a high on 03 Mar 2015 to a low on 20 Jan 2016. 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 Long Term Fund-Dividend Option averaged 7.87% (best 20.53%, worst -0.35%). 96% of rolling windows ended positive. The 5-year Sharpe ratio is 0.16 — weak risk-adjusted performance.

In calendar year 2015, Birla Sun Life Long Term Fund-Dividend Option returned -10.11% — lagging the Growth category average of -3.94% by 6.16 pp. It ranked #85 of 99 in its category that year.

Birla Sun Life Long Term Fund-Dividend Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Birla Sun Life Long Term Fund-Dividend Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 23.8%. 5-year CAGR: 8.06%.

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