Should I invest in Birla Sun Life MIP II - Wealth 25 Plan-Plan A (Dividend)?

We don't give personal investment advice. Birla Sun Life MIP II - Wealth 25 Plan-Plan A (Dividend) is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.9%. 5-year CAGR: 1.56%.

Birla Sun Life

Birla Sun Life MIP II - Wealth 25 Plan-Plan A (Dividend)

Latest NAV

₹16.2913

As of

10 Jun 2026

4,882 NAV records on file

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	+0.37%	+0.32%	+0.05	15 / 33	Q2
1W	+0.53%	+0.52%	+0.02	16 / 33	Q2
2W	-0.09%	+0.16%	-0.26	25 / 33	Q4
1M	-0.12%	+0.01%	-0.13	21 / 33	Q3
3M	-0.41%	-0.47%	+0.06	19 / 33	Q3
6M	-1.66%	-1.66%	+0.00	20 / 33	Q3
YTD	-1.44%	-1.59%	+0.15	17 / 33	Q3
1Y	-2.05%	-2.11%	+0.06	18 / 33	Q3
2Y	+0.63%	+1.47%	-0.84	18 / 33	Q3
3Y	+1.63%	+3.74%	-2.11	20 / 33	Q3
4Y	+1.99%	+4.20%	-2.21	19 / 33	Q3
5Y	+1.56%	+3.28%	-1.72	18 / 33	Q3
7Y	+2.05%	+3.71%	-1.67	19 / 33	Q3
10Y	+1.70%	+3.25%	-1.56	19 / 33	Q3
Inception	+1.86%	+3.72%	-1.86	17 / 33	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
2026 YTD	-1.44%	-1.59%	+0.15	17 / 33
2025	+0.87%	+1.83%	-0.96	19 / 33
2024	+3.45%	+6.68%	-3.23	21 / 33
2023	+2.33%	+6.65%	-4.32	27 / 33
2022	+0.08%	-0.18%	+0.26	15 / 33
2021	+8.23%	+6.74%	+1.49	12 / 33
2020	+3.00%	+5.49%	-2.50	24 / 33
2019	-1.85%	+2.15%	-4.00	27 / 33
2018	-8.44%	-3.43%	-5.01	28 / 33
2017	+6.57%	+4.29%	+2.28	12 / 33
2016	+5.88%	+4.98%	+0.89	13 / 33

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

+2.39%

234 windows

min -22.1% · max 26.1%

62% positive

3-Year rolling

+2.54%

210 windows

min -7.2% · max 10.5%

81% positive

5-Year rolling

+2.55%

186 windows

min -3.0% · max 7.2%

86% positive

7-Year rolling

+2.52%

161 windows

min -0.1% · max 6.4%

99% 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

2.85%

3-year · annualised

Sharpe ratio

-1.70

vs risk-free 6.5%

Sortino ratio

-2.71

Downside-only deviation

Max drawdown

-4.92%

Oct 2025 → Mar 2026

% positive months

63.9%

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.

Peers in Conservative Hybrid Fund

Scheme	Fund house	NAV	As of
HDFC MF Monthly Income Plan-Long Term Plan-Growth Option	HDFC	₹82.5945	10 Jun 2026
NIPPON INDIA CONSERVATIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - MONTHLY IDCW Option	Nippon India	₹0.0000	10 Jun 2026
SBI Magnum Monthly Income Plan - Growth	SBI	₹75.2616	10 Jun 2026
ICICI Prudential Income Multiplier Fund-Dividend option	ICICI Prudential	₹13.7368	10 Jun 2026
FT India Monthly Income Plan-Growth	Franklin Templeton	₹90.9140	10 Jun 2026
Kotak Debt Hybrid - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹12.1551	10 Jun 2026
DSP BlackRock Savings Manager Fund - Aggressive - Growth	DSP BlackRock	₹60.0386	10 Jun 2026
HSBC MIP - Savings - Dividend - Quarterly	HSBC	₹17.0501	10 Jun 2026
Canara Robeco Cigo-Growth Plan	Canara Robeco	₹96.8702	10 Jun 2026
UTI - MIS-ADVANTAGE-FLEXI DIVIDEND	UTI	₹43.9390	10 Jun 2026

Recent NAVs

Date	NAV
10 Jun 2026	₹16.2913
9 Jun 2026	₹16.3065
8 Jun 2026	₹16.2464
5 Jun 2026	₹16.2566
4 Jun 2026	₹16.2244
3 Jun 2026	₹16.2063
2 Jun 2026	₹16.2199
1 Jun 2026	₹16.2124
29 May 2026	₹16.3136
27 May 2026	₹16.3406

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.

As of 10 Jun 2026, the NAV of Birla Sun Life MIP II - Wealth 25 Plan-Plan A (Dividend) is ₹16.2913. It's a Conservative Hybrid Fund from Birla Sun Life, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Birla Sun Life MIP II - Wealth 25 Plan-Plan A (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 MIP II - Wealth 25 Plan-Plan A (Dividend) is managed by Birla Sun Life. It's classified by AMFI under the 'Conservative Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life MIP II - Wealth 25 Plan-Plan A (Dividend) has delivered a absolute return of -2.05% — +0.06 pp ahead of the Conservative Hybrid Fund category average of -2.11%. The fund ranks #18 of 33 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Birla Sun Life MIP II - Wealth 25 Plan-Plan A (Dividend) has delivered a CAGR of 1.63% — -2.11 pp behind the Conservative Hybrid Fund category average of 3.74%. The fund ranks #20 of 33 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Birla Sun Life MIP II - Wealth 25 Plan-Plan A (Dividend) has delivered a CAGR of 1.56% — -1.72 pp behind the Conservative Hybrid Fund category average of 3.28%. The fund ranks #18 of 33 in its category — the third (Q3) quartile.

₹1 lakh invested in Birla Sun Life MIP II - Wealth 25 Plan-Plan A (Dividend) exactly 10 years ago would be worth approximately ₹118,303 today — a multiplier of 1.18×, based on the 10-year CAGR of 1.70%. The category average over the same window would have grown ₹1 lakh to ₹137,716.

A ₹10,000 monthly SIP in Birla Sun Life MIP II - Wealth 25 Plan-Plan A (Dividend) over the last 5 years — total invested ₹600,000 — would be worth ₹616,953 today. That's an XIRR (money-weighted annualised return) of 1.10%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life MIP II - Wealth 25 Plan-Plan A (Dividend) = ₹1,200,000 invested. It would currently be worth ₹1,300,873 (multiplier 1.08×). XIRR: 1.59%. 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 MIP II - Wealth 25 Plan-Plan A (Dividend) ranks #18 out of 33 funds in the Conservative Hybrid Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.28%; this fund delivered 1.56%.

The worst peak-to-trough decline Birla Sun Life MIP II - Wealth 25 Plan-Plan A (Dividend) has experienced over the last 5-year window is 5.86% — its NAV fell from a high on 05 Apr 2022 to a low on 17 Jun 2022. 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 MIP II - Wealth 25 Plan-Plan A (Dividend) averaged 2.55% (best 7.20%, worst -3.00%). 86% of rolling windows ended positive. The 5-year Sharpe ratio is -1.42 — negative risk-adjusted performance.

In calendar year 2025, Birla Sun Life MIP II - Wealth 25 Plan-Plan A (Dividend) returned 0.87% — lagging the Conservative Hybrid Fund category average of 1.83% by 0.96 pp. It ranked #19 of 33 in its category that year.

Birla Sun Life MIP II - Wealth 25 Plan-Plan A (Dividend) is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. Birla Sun Life MIP II - Wealth 25 Plan-Plan A (Dividend) is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.9%. 5-year CAGR: 1.56%.

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