Should I invest in Birla Sun Life Savings Fund-Retail - Monthly Dividend?

We don't give personal investment advice. Birla Sun Life Savings Fund-Retail - Monthly 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.

Birla Sun Life

Birla Sun Life Savings Fund-Retail - Monthly Dividend

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%	-7.11%	+7.13	58 / 732	Q1
1W	+0.15%	-12.64%	+12.79	111 / 699	Q1
2W	-0.25%	-12.71%	+12.46	273 / 712	Q2
1M	+0.09%	-12.43%	+12.52	260 / 754	Q2
3M	+0.14%	-11.47%	+11.62	340 / 740	Q2
6M	+0.33%	-9.57%	+9.90	368 / 680	Q3
YTD	-0.25%	-9.94%	+9.69	415 / 704	Q3
1Y	+0.72%	-7.10%	+7.83	334 / 627	Q3
2Y	+0.69%	-7.27%	+7.96	69 / 143	Q2
3Y	+0.70%	-2.77%	+3.46	41 / 83	Q2
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.76%	-6.12%	+6.88	355 / 770	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
2011 YTD	-0.25%	+2.03%	-2.28	60 / 66
2010	+1.13%	-4.87%	+5.99	49 / 143
2009	+0.70%	-9.70%	+10.40	290 / 552
2008	+0.85%	+2.86%	-2.01	164 / 257
2007	—	—	—	—

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

+0.70%

33 windows

min 0.5% · max 0.8%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+0.71%

9 windows

min 0.7% · max 0.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

0.22%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-2.00%

Jul 2009 → Aug 2009

% positive months

72.2%

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
11 Feb 2011	₹10.2848
10 Feb 2011	₹10.2826
9 Feb 2011	₹10.2803
8 Feb 2011	₹10.2780
7 Feb 2011	₹10.2758
4 Feb 2011	₹10.2692
3 Feb 2011	₹10.2670
2 Feb 2011	₹10.2648
1 Feb 2011	₹10.2625
31 Jan 2011	₹10.2603

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 Savings Fund-Retail - Monthly Dividend is a Income from Birla Sun Life (Retail 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 Savings Fund-Retail - Monthly Dividend has NAV history starting from 08 Jun 2007, a track record of about 19 years. 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 Savings Fund-Retail - Monthly 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 Savings Fund-Retail - Monthly Dividend has delivered a absolute return of 0.72% — +7.83 pp ahead of the Income category average of -7.10%. The fund ranks #334 of 627 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Birla Sun Life Savings Fund-Retail - Monthly Dividend has delivered a CAGR of 0.70% — +3.46 pp ahead of the Income category average of -2.77%. The fund ranks #41 of 83 in its category — the second (Q2) quartile.

Birla Sun Life Savings Fund-Retail - Monthly Dividend doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in Birla Sun Life Savings Fund-Retail - Monthly Dividend exactly 3 years ago would be worth approximately ₹102,100 today — a multiplier of 1.02×, based on the 3-year CAGR of 0.69%. The category average over the same window would have grown ₹1 lakh to ₹91,921.

A ₹10,000 monthly SIP in Birla Sun Life Savings Fund-Retail - Monthly Dividend over the last 3 years — total invested ₹360,000 — would be worth ₹363,947 today. That's an XIRR (money-weighted annualised return) of 0.71%.

Birla Sun Life Savings Fund-Retail - Monthly Dividend doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹363,947 — XIRR 0.71%.

On a 3-year basis, Birla Sun Life Savings Fund-Retail - Monthly Dividend ranks #41 out of 83 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -2.77%; this fund delivered 0.69%.

The worst peak-to-trough decline Birla Sun Life Savings Fund-Retail - Monthly Dividend has experienced over the last 3-year window is 2.00% — its NAV fell from a high on 31 Jul 2009 to a low on 28 Aug 2009. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, Birla Sun Life Savings Fund-Retail - Monthly Dividend averaged 0.71% (best 0.74%, worst 0.67%). 100% of rolling windows ended positive.

In calendar year 2010, Birla Sun Life Savings Fund-Retail - Monthly Dividend returned 1.13% — beating the Income category average of -4.87% by 5.99 pp. It ranked #49 of 143 in its category that year.

Birla Sun Life Savings Fund-Retail - Monthly 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 Savings Fund-Retail - Monthly 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.

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