Should I invest in Sundaram BNP Paribas Balanced Fund?

We don't give personal investment advice. Sundaram BNP Paribas Balanced Fund - Dividend 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: 37.7%. 5-year CAGR: 2.68%.

Sundaram BNP Paribas

Sundaram BNP Paribas Balanced Fund - Dividend 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	3 / 37	Q1
1W	+1.55%	-7.52%	+9.07	9 / 40	Q1
2W	+0.41%	-7.64%	+8.05	21 / 40	Q3
1M	+0.34%	-7.66%	+8.00	19 / 40	Q2
3M	-1.94%	-9.18%	+7.24	21 / 40	Q3
6M	+4.29%	-5.67%	+9.96	12 / 39	Q2
YTD	+13.72%	-3.70%	+17.42	7 / 40	Q1
1Y	+13.96%	-4.99%	+18.95	11 / 41	Q2
2Y	+8.12%	-11.97%	+20.08	14 / 40	Q2
3Y	+4.62%	-14.60%	+19.21	14 / 38	Q2
4Y	+1.04%	-20.79%	+21.84	14 / 29	Q2
5Y	+2.68%	-6.40%	+9.08	14 / 25	Q3
7Y	+1.79%	-10.74%	+12.53	12 / 19	Q3
10Y	+5.90%	+8.18%	-2.27	7 / 12	Q3
Inception	+0.52%	-12.19%	+12.71	26 / 44	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
2021 YTD	+13.72%	+21.97%	-8.25	6 / 6
2020	+2.58%	+9.70%	-7.12	6 / 6
2019	-2.06%	+0.00%	-2.06	4 / 6
2018	-9.26%	-5.84%	-3.42	9 / 12
2017	+9.51%	+22.13%	-12.62	12 / 12
2016	+4.38%	+3.05%	+1.33	5 / 14
2015	-4.76%	-3.73%	-1.03	11 / 14
2014	+23.74%	+7.48%	+16.26	9 / 19
2013	+4.19%	+0.94%	+3.25	7 / 21
2012	+21.78%	+19.42%	+2.35	13 / 25
2011	-49.29%	-16.46%	-32.83	29 / 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

+2.83%

180 windows

min -51.6% · max 54.1%

59% positive

3-Year rolling

-0.14%

156 windows

min -15.5% · max 15.3%

52% positive

5-Year rolling

-0.21%

132 windows

min -13.5% · max 9.6%

49% positive

7-Year rolling

+0.75%

107 windows

min -6.0% · max 7.6%

60% 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

15.58%

3-year · annualised

Sharpe ratio

-0.04

vs risk-free 6.5%

Sortino ratio

-0.05

Downside-only deviation

Max drawdown

-30.67%

Jun 2019 → Mar 2020

% positive months

63.9%

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	₹16.3588
30 Dec 2021	₹16.2639
29 Dec 2021	₹16.2632
28 Dec 2021	₹16.2858
27 Dec 2021	₹16.1842
24 Dec 2021	₹16.1093
23 Dec 2021	₹16.1756
22 Dec 2021	₹16.0979
21 Dec 2021	₹15.9472
20 Dec 2021	₹15.8123

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 - Dividend 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 - 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.

Sundaram BNP Paribas Balanced Fund - Dividend 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 - Dividend Option has delivered a absolute return of 13.96% — +18.95 pp ahead of the Balanced category average of -4.99%. The fund ranks #11 of 41 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Sundaram BNP Paribas Balanced Fund - Dividend Option has delivered a CAGR of 4.62% — +19.21 pp ahead of the Balanced category average of -14.60%. The fund ranks #14 of 38 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Sundaram BNP Paribas Balanced Fund - Dividend Option has delivered a CAGR of 2.68% — +9.08 pp ahead of the Balanced category average of -6.40%. The fund ranks #14 of 25 in its category — the third (Q3) quartile.

₹1 lakh invested in Sundaram BNP Paribas Balanced Fund - Dividend Option exactly 10 years ago would be worth approximately ₹177,424 today — a multiplier of 1.77×, based on the 10-year CAGR of 5.90%. 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 - Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹679,832 today. That's an XIRR (money-weighted annualised return) of 4.93%.

A ₹10,000 monthly SIP for 10 years in Sundaram BNP Paribas Balanced Fund - Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,488,574 (multiplier 1.24×). XIRR: 4.22%. 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 - Dividend Option ranks #14 out of 25 funds in the Balanced category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -6.40%; this fund delivered 2.68%.

The worst peak-to-trough decline Sundaram BNP Paribas Balanced Fund - Dividend Option has experienced over the last 5-year window is 37.69% — its NAV fell from a high on 22 Jan 2018 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 - Dividend Option averaged -0.21% (best 9.60%, worst -13.53%). 49% of rolling windows ended positive. The 5-year Sharpe ratio is -0.21 — negative risk-adjusted performance.

In calendar year 2020, Sundaram BNP Paribas Balanced Fund - Dividend Option returned 2.58% — lagging the Balanced category average of 9.70% by 7.12 pp. It ranked #6 of 6 in its category that year.

Sundaram BNP Paribas Balanced Fund - Dividend 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 - Dividend 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: 37.7%. 5-year CAGR: 2.68%.

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