Should I invest in Sundaram BNP Paribas Balanced Fund - Appreciation Option?

We don't give personal investment advice. Sundaram BNP Paribas Balanced Fund - Appreciation Option is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 29.7%. 5-year CAGR: 14.09%.

Sundaram BNP Paribas

Sundaram BNP Paribas Balanced Fund - Appreciation Option

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	+0.58%	+0.06%	+0.52	4 / 37	Q1
1W	+1.55%	-7.52%	+9.07	8 / 40	Q1
2W	+1.35%	-7.64%	+9.00	11 / 40	Q2
1M	+1.28%	-7.66%	+8.94	10 / 40	Q1
3M	+0.81%	-9.18%	+9.99	12 / 40	Q2
6M	+10.19%	-5.67%	+15.86	5 / 39	Q1
YTD	+26.84%	-3.70%	+30.54	2 / 40	Q1
1Y	+27.10%	-4.99%	+32.09	4 / 41	Q1
2Y	+18.42%	-11.97%	+30.39	6 / 40	Q1
3Y	+15.90%	-14.60%	+30.50	1 / 38	Q1
4Y	+12.66%	-20.79%	+33.45	4 / 29	Q1
5Y	+14.09%	-6.40%	+20.49	4 / 25	Q1
7Y	+11.00%	-10.74%	+21.74	4 / 19	Q1
10Y	+12.52%	+8.18%	+4.35	4 / 12	Q2
Inception	+9.84%	-12.19%	+22.03	9 / 44	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
2021 YTD	+26.84%	+21.97%	+4.87	2 / 6
2020	+10.34%	+9.70%	+0.64	3 / 6
2019	+11.00%	+0.00%	+11.00	1 / 6
2018	+3.13%	-5.84%	+8.96	1 / 12
2017	+20.00%	+22.13%	-2.13	8 / 12
2016	+10.99%	+3.05%	+7.94	1 / 14
2015	-2.98%	-3.73%	+0.75	9 / 14
2014	+23.73%	+7.48%	+16.25	10 / 19
2013	+4.19%	+0.94%	+3.25	8 / 21
2012	+21.77%	+19.42%	+2.35	14 / 25
2011	-20.41%	-16.46%	-3.95	17 / 29

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

+11.82%

180 windows

min -43.9% · max 87.3%

81% positive

3-Year rolling

+9.25%

156 windows

min -4.1% · max 23.9%

97% positive

5-Year rolling

+9.05%

132 windows

min 1.3% · max 16.7%

100% positive

7-Year rolling

+9.05%

107 windows

min 4.5% · max 13.9%

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

15.77%

3-year · annualised

Sharpe ratio

0.62

vs risk-free 6.5%

Sortino ratio

0.83

Downside-only deviation

Max drawdown

-29.75%

Feb 2020 → Mar 2020

% 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
31 Dec 2021	₹135.1375
30 Dec 2021	₹134.3540
29 Dec 2021	₹134.3480
28 Dec 2021	₹134.5343
27 Dec 2021	₹133.6956
24 Dec 2021	₹133.0764
23 Dec 2021	₹133.6243
22 Dec 2021	₹132.9824
21 Dec 2021	₹131.7377
20 Dec 2021	₹130.6229

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.

Sundaram BNP Paribas Balanced Fund - Appreciation Option is a Balanced from Sundaram BNP Paribas (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.

Sundaram BNP Paribas Balanced Fund - Appreciation 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.

Sundaram BNP Paribas Balanced Fund - Appreciation Option is managed by Sundaram BNP Paribas. It's classified by AMFI under the 'Balanced' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Sundaram BNP Paribas Balanced Fund - Appreciation Option has delivered a absolute return of 27.10% — +32.09 pp ahead of the Balanced category average of -4.99%. The fund ranks #4 of 41 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Sundaram BNP Paribas Balanced Fund - Appreciation Option has delivered a CAGR of 15.90% — +30.5 pp ahead of the Balanced category average of -14.60%. The fund ranks #1 of 38 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Sundaram BNP Paribas Balanced Fund - Appreciation Option has delivered a CAGR of 14.09% — +20.49 pp ahead of the Balanced category average of -6.40%. The fund ranks #4 of 25 in its category — the top (Q1) quartile.

₹1 lakh invested in Sundaram BNP Paribas Balanced Fund - Appreciation Option exactly 10 years ago would be worth approximately ₹325,385 today — a multiplier of 3.25×, based on the 10-year CAGR of 12.52%. The category average over the same window would have grown ₹1 lakh to ₹219,429.

A ₹10,000 monthly SIP in Sundaram BNP Paribas Balanced Fund - Appreciation Option over the last 5 years — total invested ₹600,000 — would be worth ₹893,868 today. That's an XIRR (money-weighted annualised return) of 15.92%.

A ₹10,000 monthly SIP for 10 years in Sundaram BNP Paribas Balanced Fund - Appreciation Option = ₹1,200,000 invested. It would currently be worth ₹2,365,949 (multiplier 1.97×). XIRR: 13.01%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Sundaram BNP Paribas Balanced Fund - Appreciation Option ranks #4 out of 25 funds in the Balanced category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -6.40%; this fund delivered 14.09%.

The worst peak-to-trough decline Sundaram BNP Paribas Balanced Fund - Appreciation Option has experienced over the last 5-year window is 29.75% — its NAV fell from a high on 20 Feb 2020 to a low on 23 Mar 2020. 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, Sundaram BNP Paribas Balanced Fund - Appreciation Option averaged 9.05% (best 16.74%, worst 1.31%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.59 — reasonable risk-adjusted performance.

In calendar year 2020, Sundaram BNP Paribas Balanced Fund - Appreciation Option returned 10.34% — beating the Balanced category average of 9.70% by 0.64 pp. It ranked #3 of 6 in its category that year.

Sundaram BNP Paribas Balanced Fund - Appreciation Option is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. Sundaram BNP Paribas Balanced Fund - Appreciation Option is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 29.7%. 5-year CAGR: 14.09%.

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