Should I invest in Birla Sun Life Relief 96?

We don't give personal investment advice. Birla Sun Life Relief 96 - Dividend Option is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 24.6%. 5-year CAGR: 1.60%.

Birla Sun Life

Birla Sun Life Relief 96 - Dividend Option

Latest NAV

₹181.1500

As of

10 Jun 2026

4,968 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	+0.78%	-1.86%	+2.64	32 / 90	Q2
1W	-0.35%	-3.45%	+3.10	56 / 87	Q3
2W	-1.47%	-4.75%	+3.28	34 / 87	Q2
1M	-1.15%	-5.79%	+4.64	23 / 87	Q2
3M	+1.13%	-4.65%	+5.78	26 / 87	Q2
6M	-10.43%	-3.61%	-6.82	78 / 89	Q4
YTD	-11.02%	-5.38%	-5.64	76 / 89	Q4
1Y	-7.72%	+0.15%	-7.87	60 / 87	Q3
2Y	-3.75%	-0.30%	-3.45	67 / 86	Q4
3Y	+5.15%	+5.90%	-0.75	67 / 81	Q4
4Y	+5.20%	+8.17%	-2.97	63 / 78	Q4
5Y	+1.60%	+6.75%	-5.15	69 / 77	Q4
7Y	+2.87%	+8.81%	-5.94	68 / 75	Q4
10Y	+3.30%	+8.08%	-4.78	63 / 69	Q4
Inception	-1.05%	+5.84%	-6.89	84 / 91	Q4

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	-11.02%	-7.47%	-3.55	41 / 47
2025	+1.53%	+1.54%	-0.01	25 / 47
2024	+7.96%	+18.17%	-10.22	45 / 47
2023	+13.88%	+23.46%	-9.58	46 / 49
2022	-7.01%	+0.75%	-7.76	47 / 52
2021	+12.22%	+28.91%	-16.69	51 / 54
2020	+8.86%	+11.40%	-2.55	37 / 56
2019	-2.78%	+2.03%	-4.81	50 / 59
2018	-10.63%	-9.68%	-0.95	36 / 61
2017	+28.32%	+29.95%	-1.64	40 / 65
2016	-7.13%	-0.31%	-6.82	60 / 70

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

+4.70%

234 windows

min -72.8% · max 128.5%

54% positive

3-Year rolling

+4.14%

210 windows

min -39.9% · max 27.5%

69% positive

5-Year rolling

+4.63%

186 windows

min -19.7% · max 19.4%

75% positive

7-Year rolling

+5.22%

161 windows

min -14.7% · max 18.6%

88% 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

15.78%

3-year · annualised

Sharpe ratio

-0.01

vs risk-free 6.5%

Sortino ratio

-0.02

Downside-only deviation

Max drawdown

-24.61%

Sep 2024 → Mar 2026

% positive months

61.1%

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 ELSS

Scheme	Fund house	NAV	As of
HDFC TaxSaver-Dividend Plan	HDFC	₹63.4950	10 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹19.8315	10 Jun 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹84.7997	10 Jun 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹27.2000	10 Jun 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹120.2000	10 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹29.4537	10 Jun 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹57.5323	10 Jun 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹41.0930	10 Jun 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹29.0400	10 Jun 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹21.2240	10 Jun 2026

Recent NAVs

Date	NAV
10 Jun 2026	₹181.1500
9 Jun 2026	₹181.8500
8 Jun 2026	₹180.4400
5 Jun 2026	₹182.1500
4 Jun 2026	₹181.7600
3 Jun 2026	₹181.6200
2 Jun 2026	₹182.4800
1 Jun 2026	₹181.8000
29 May 2026	₹183.1200
27 May 2026	₹185.3600

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 Relief 96 - Dividend Option is ₹181.1500. It's a ELSS 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 Relief 96 - Dividend Option 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 Relief 96 - Dividend Option is managed by Birla Sun Life. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Relief 96 - Dividend Option has delivered a absolute return of -7.72% — -7.87 pp behind the ELSS category average of 0.15%. The fund ranks #60 of 87 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Birla Sun Life Relief 96 - Dividend Option has delivered a CAGR of 5.15% — -0.75 pp behind the ELSS category average of 5.90%. The fund ranks #67 of 81 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Birla Sun Life Relief 96 - Dividend Option has delivered a CAGR of 1.60% — -5.15 pp behind the ELSS category average of 6.75%. The fund ranks #69 of 77 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Birla Sun Life Relief 96 - Dividend Option exactly 10 years ago would be worth approximately ₹138,383 today — a multiplier of 1.38×, based on the 10-year CAGR of 3.30%. The category average over the same window would have grown ₹1 lakh to ₹217,539.

A ₹10,000 monthly SIP in Birla Sun Life Relief 96 - Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹617,951 today. That's an XIRR (money-weighted annualised return) of 1.16%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Relief 96 - Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,363,145 (multiplier 1.14×). XIRR: 2.51%. 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 Relief 96 - Dividend Option ranks #69 out of 77 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.75%; this fund delivered 1.60%.

The worst peak-to-trough decline Birla Sun Life Relief 96 - Dividend Option has experienced over the last 5-year window is 24.61% — its NAV fell from a high on 26 Sep 2024 to a low on 30 Mar 2026. 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 Relief 96 - Dividend Option averaged 4.63% (best 19.43%, worst -19.68%). 75% of rolling windows ended positive. The 5-year Sharpe ratio is -0.22 — negative risk-adjusted performance.

In calendar year 2025, Birla Sun Life Relief 96 - Dividend Option returned 1.53% — lagging the ELSS category average of 1.54% by 0.01 pp. It ranked #25 of 47 in its category that year.

Birla Sun Life Relief 96 - Dividend Option is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. Birla Sun Life Relief 96 - Dividend Option is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 24.6%. 5-year CAGR: 1.60%.

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