Should I invest in Birla Sun Life Monthly Income-Plan C(Quarterly Dividend)?

We don't give personal investment advice. Birla Sun Life Monthly Income-Plan C(Quarterly Dividend) 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: 8.5%. 5-year CAGR: 0.21%.

Birla Sun Life

Birla Sun Life Monthly Income-Plan C(Quarterly Dividend)

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	-0.02%	-9.99%	+9.97	743 / 1129	Q3
1W	+0.04%	-13.04%	+13.08	333 / 1151	Q2
2W	+0.02%	-13.18%	+13.20	342 / 1149	Q2
1M	-0.24%	-13.26%	+13.03	454 / 1137	Q2
3M	-1.23%	-13.15%	+11.92	773 / 1116	Q3
6M	-1.79%	-15.45%	+13.66	599 / 906	Q3
YTD	-0.54%	-15.77%	+15.24	530 / 952	Q3
1Y	-2.38%	-13.09%	+10.70	627 / 820	Q4
2Y	-0.21%	-12.72%	+12.51	319 / 446	Q3
3Y	-0.84%	-11.01%	+10.17	302 / 385	Q4
4Y	+0.39%	-6.52%	+6.91	204 / 339	Q3
5Y	+0.21%	-7.36%	+7.58	194 / 314	Q3
7Y	+0.51%	+2.53%	-2.02	157 / 234	Q3
10Y	+1.13%	+3.14%	-2.01	59 / 101	Q3
Inception	+0.92%	-13.63%	+14.55	413 / 1199	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	-0.54%	+1.30%	-1.84	77 / 90
2017	-1.33%	+1.63%	-2.96	122 / 137
2016	+3.26%	+3.02%	+0.24	70 / 181
2015	-1.23%	+2.22%	-3.45	201 / 216
2014	+11.71%	+5.51%	+6.20	36 / 240
2013	-2.26%	-1.95%	-0.30	234 / 276
2012	+6.12%	+1.38%	+4.74	130 / 295
2011	-2.87%	-3.16%	+0.29	268 / 317
2010	+2.93%	-5.78%	+8.71	128 / 377
2009	+11.64%	-12.86%	+24.49	73 / 713
2008	-8.82%	-2.02%	-6.79	324 / 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

+1.21%

137 windows

min -15.0% · max 18.8%

60% positive

3-Year rolling

+1.33%

112 windows

min -1.3% · max 5.9%

81% positive

5-Year rolling

+1.18%

88 windows

min 0.1% · max 3.3%

100% positive

7-Year rolling

+1.18%

64 windows

min 0.3% · max 3.2%

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

4.58%

3-year · annualised

Sharpe ratio

-1.64

vs risk-free 6.5%

Sortino ratio

-2.18

Downside-only deviation

Max drawdown

-7.10%

Sep 2015 → Feb 2016

% positive months

47.2%

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	₹12.2686
31 May 2018	₹12.2712
30 May 2018	₹12.2810
29 May 2018	₹12.2995
28 May 2018	₹12.2786
25 May 2018	₹12.2638
24 May 2018	₹12.2497
23 May 2018	₹12.2495
22 May 2018	₹12.2515
21 May 2018	₹12.2474

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 Monthly Income-Plan C(Quarterly Dividend) 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 Monthly Income-Plan C(Quarterly 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 Monthly Income-Plan C(Quarterly Dividend) 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 Monthly Income-Plan C(Quarterly Dividend) has delivered a absolute return of -2.38% — +10.7 pp ahead of the Income category average of -13.09%. The fund ranks #627 of 820 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Birla Sun Life Monthly Income-Plan C(Quarterly Dividend) has delivered a CAGR of -0.84% — +10.17 pp ahead of the Income category average of -11.01%. The fund ranks #302 of 385 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Birla Sun Life Monthly Income-Plan C(Quarterly Dividend) has delivered a CAGR of 0.21% — +7.58 pp ahead of the Income category average of -7.36%. The fund ranks #194 of 314 in its category — the third (Q3) quartile.

₹1 lakh invested in Birla Sun Life Monthly Income-Plan C(Quarterly Dividend) exactly 10 years ago would be worth approximately ₹111,871 today — a multiplier of 1.12×, based on the 10-year CAGR of 1.13%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in Birla Sun Life Monthly Income-Plan C(Quarterly Dividend) over the last 5 years — total invested ₹600,000 — would be worth ₹598,867 today. That's an XIRR (money-weighted annualised return) of -0.07%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Monthly Income-Plan C(Quarterly Dividend) = ₹1,200,000 invested. It would currently be worth ₹1,236,564 (multiplier 1.03×). XIRR: 0.59%. 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 Monthly Income-Plan C(Quarterly Dividend) ranks #194 out of 314 funds in the Income category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -7.36%; this fund delivered 0.21%.

The worst peak-to-trough decline Birla Sun Life Monthly Income-Plan C(Quarterly Dividend) has experienced over the last 5-year window is 8.49% — its NAV fell from a high on 04 Mar 2015 to a low on 25 Feb 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 Monthly Income-Plan C(Quarterly Dividend) averaged 1.18% (best 3.35%, worst 0.07%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.20 — negative risk-adjusted performance.

In calendar year 2017, Birla Sun Life Monthly Income-Plan C(Quarterly Dividend) returned -1.33% — lagging the Income category average of 1.63% by 2.96 pp. It ranked #122 of 137 in its category that year.

Birla Sun Life Monthly Income-Plan C(Quarterly Dividend) 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 Monthly Income-Plan C(Quarterly Dividend) 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: 8.5%. 5-year CAGR: 0.21%.

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