Should I invest in Birla Sun Life MIP-Plan C (Growth)?

We don't give personal investment advice. Birla Sun Life MIP-Plan C (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: 5.9%. 5-year CAGR: 7.29%.

Birla Sun Life

Birla Sun Life MIP-Plan C (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	-0.06%	-9.99%	+9.93	763 / 1129	Q3
1W	-0.05%	-13.04%	+12.99	427 / 1151	Q2
2W	-0.02%	-13.18%	+13.17	381 / 1149	Q2
1M	-0.21%	-13.26%	+13.05	447 / 1137	Q2
3M	+0.56%	-13.15%	+13.70	342 / 1116	Q2
6M	-2.18%	-15.45%	+13.27	612 / 906	Q3
YTD	-0.89%	-15.77%	+14.89	578 / 952	Q3
1Y	+0.78%	-13.09%	+13.87	399 / 820	Q2
2Y	+6.20%	-12.72%	+18.93	118 / 446	Q2
3Y	+6.24%	-11.01%	+17.25	93 / 385	Q1
4Y	+7.31%	-6.52%	+13.83	72 / 339	Q1
5Y	+7.29%	-7.36%	+14.65	76 / 314	Q1
7Y	+7.86%	+2.53%	+5.34	47 / 234	Q1
10Y	+8.09%	+3.14%	+4.95	10 / 101	Q1
Inception	+7.87%	-13.63%	+21.50	199 / 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	-0.89%	+1.30%	-2.19	78 / 90
2017	+4.93%	+1.63%	+3.30	29 / 137
2016	+10.30%	+3.02%	+7.27	16 / 181
2015	+5.21%	+2.22%	+2.99	81 / 216
2014	+15.37%	+5.51%	+9.86	18 / 240
2013	+4.85%	-1.95%	+6.80	88 / 276
2012	+12.58%	+1.38%	+11.20	12 / 295
2011	+2.64%	-3.16%	+5.80	107 / 317
2010	+7.23%	-5.78%	+13.01	21 / 377
2009	+15.25%	-12.86%	+28.11	39 / 713
2008	-4.42%	-2.02%	-2.40	284 / 380

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

+8.58%

137 windows

min -9.3% · max 24.8%

94% positive

3-Year rolling

+8.61%

112 windows

min 5.6% · max 12.1%

100% positive

5-Year rolling

+8.44%

88 windows

min 6.5% · max 10.3%

100% positive

7-Year rolling

+8.45%

64 windows

min 7.5% · max 10.4%

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

4.20%

3-year · annualised

Sharpe ratio

-0.12

vs risk-free 6.5%

Sortino ratio

-0.26

Downside-only deviation

Max drawdown

-3.39%

Nov 2016 → Dec 2016

% 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.

Recent NAVs

Date	NAV
1 Jun 2018	₹45.2074
31 May 2018	₹45.2331
30 May 2018	₹45.3072
29 May 2018	₹45.3858
28 May 2018	₹45.3347
25 May 2018	₹45.2296
24 May 2018	₹45.1069
23 May 2018	₹45.1360
22 May 2018	₹45.1991
21 May 2018	₹45.1909

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 MIP-Plan C (Growth) 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 MIP-Plan C (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 MIP-Plan C (Growth) 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 MIP-Plan C (Growth) has delivered a absolute return of 0.78% — +13.87 pp ahead of the Income category average of -13.09%. The fund ranks #399 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Birla Sun Life MIP-Plan C (Growth) has delivered a CAGR of 6.24% — +17.25 pp ahead of the Income category average of -11.01%. The fund ranks #93 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Birla Sun Life MIP-Plan C (Growth) has delivered a CAGR of 7.29% — +14.65 pp ahead of the Income category average of -7.36%. The fund ranks #76 of 314 in its category — the top (Q1) quartile.

₹1 lakh invested in Birla Sun Life MIP-Plan C (Growth) exactly 10 years ago would be worth approximately ₹217,712 today — a multiplier of 2.18×, based on the 10-year CAGR of 8.09%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in Birla Sun Life MIP-Plan C (Growth) over the last 5 years — total invested ₹600,000 — would be worth ₹706,331 today. That's an XIRR (money-weighted annualised return) of 6.46%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life MIP-Plan C (Growth) = ₹1,200,000 invested. It would currently be worth ₹1,784,716 (multiplier 1.49×). XIRR: 7.70%. 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-Plan C (Growth) ranks #76 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 7.29%.

The worst peak-to-trough decline Birla Sun Life MIP-Plan C (Growth) has experienced over the last 5-year window is 5.86% — its NAV fell from a high on 05 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 MIP-Plan C (Growth) averaged 8.44% (best 10.35%, worst 6.52%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.20 — weak risk-adjusted performance.

In calendar year 2017, Birla Sun Life MIP-Plan C (Growth) returned 4.93% — beating the Income category average of 1.63% by 3.30 pp. It ranked #29 of 137 in its category that year.

Birla Sun Life MIP-Plan C (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 MIP-Plan C (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: 5.9%. 5-year CAGR: 7.29%.

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

Birla Sun Life MIP-Plan C (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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