Should I invest in Birla Tax Plan 98?

We don't give personal investment advice. Birla Tax Plan 98 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.

Birla Sun Life

Birla Tax Plan 98

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	+0.00%	-1.86%	+1.86	51 / 90	Q3
1W	+8.44%	-3.45%	+11.88	1 / 87	Q1
2W	+6.73%	-4.75%	+11.48	1 / 87	Q1
1M	-16.67%	-5.79%	-10.88	82 / 87	Q4
3M	-32.45%	-4.65%	-27.80	84 / 87	Q4
6M	-17.27%	-3.61%	-13.66	83 / 89	Q4
YTD	-33.33%	-5.38%	-27.95	86 / 89	Q4
1Y	+13.97%	+0.15%	+13.82	17 / 87	Q1
2Y	+5.66%	-0.30%	+5.96	20 / 86	Q1
3Y	—	—	—	—	—
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+5.67%	+5.84%	-0.17	63 / 91	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
2008 YTD	-33.33%	-57.48%	+24.15	1 / 18
2007	+50.47%	+44.08%	+6.40	6 / 12
2006	—	—	—	—

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

+30.56%

13 windows

min -1.7% · max 52.4%

92% positive

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

3-Year rolling

—

Insufficient history

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.

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
31 Mar 2008	₹208.0000
28 Mar 2008	₹213.2600
27 Mar 2008	₹205.3400
26 Mar 2008	₹205.4800
25 Mar 2008	₹203.9300
24 Mar 2008	₹191.8200
19 Mar 2008	₹192.7400
18 Mar 2008	₹192.7200
17 Mar 2008	₹194.8900
14 Mar 2008	₹210.2000

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 Tax Plan 98 is a ELSS 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 Tax Plan 98 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 Tax Plan 98 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 Tax Plan 98 has delivered a absolute return of 13.97% — +13.82 pp ahead of the ELSS category average of 0.15%. The fund ranks #17 of 87 in its category — the top (Q1) quartile.

Birla Tax Plan 98 doesn't have a complete 3-year window yet (we need at least 3 year of NAVs). Check the shorter-window returns above.

Birla Tax Plan 98 doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

Birla Tax Plan 98 doesn't yet have a 3-year CAGR on file, so a ₹1 lakh growth projection isn't reliable.

A ₹10,000 monthly SIP in Birla Tax Plan 98 over the last 1 year — total invested ₹120,000 — would be worth ₹104,286 today. That's an XIRR (money-weighted annualised return) of -23.19%.

Birla Tax Plan 98 doesn't yet have 10 years of NAVs. Over the longest available window (1-year SIP), ₹10,000/month would have grown to ₹104,286 — XIRR -23.19%.

Birla Tax Plan 98 doesn't yet have a peer rank on file — typically because its category set is too small or it lacks the required NAV history. Compare manually using the returns table above.

Birla Tax Plan 98 doesn't have a computed drawdown figure yet.

Consistency stats for Birla Tax Plan 98 need at least 3 years of NAVs to compute. They'll populate automatically once the fund has enough history.

In calendar year 2007, Birla Tax Plan 98 returned 50.47% — beating the ELSS category average of 44.08% by 6.40 pp. It ranked #6 of 12 in its category that year.

Birla Tax Plan 98 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 Tax Plan 98 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.

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

Birla Tax Plan 98

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Peers in ELSS

Recent NAVs

Frequently asked questions

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