Should I invest in Sundaram BNP Paribas Income Plus-Appreciation?

We don't give personal investment advice. Sundaram BNP Paribas Income Plus-Appreciation 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. Worst 5-year drawdown: 11.2%. 5-year CAGR: 3.79%.

Sundaram BNP Paribas

Sundaram BNP Paribas Income Plus-Appreciation

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	+0.01%	-9.99%	+10.00	224 / 1129	Q1
1W	+0.07%	-13.04%	+13.11	309 / 1151	Q2
2W	+0.12%	-13.18%	+13.31	272 / 1149	Q1
1M	+0.24%	-13.26%	+13.50	278 / 1137	Q1
3M	+1.03%	-13.15%	+14.18	268 / 1116	Q1
6M	+1.91%	-15.45%	+17.36	349 / 906	Q2
YTD	+5.17%	-15.77%	+20.95	132 / 952	Q1
1Y	+5.21%	-13.09%	+18.29	312 / 820	Q2
2Y	-0.60%	-12.72%	+12.12	334 / 446	Q3
3Y	+1.86%	-11.01%	+12.87	161 / 385	Q2
4Y	+3.02%	-6.52%	+9.54	119 / 339	Q2
5Y	+3.79%	-7.36%	+11.15	109 / 314	Q2
7Y	+5.49%	+2.53%	+2.96	85 / 234	Q2
10Y	+5.94%	+3.14%	+2.80	30 / 101	Q2
Inception	+5.36%	-13.63%	+19.00	318 / 1199	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
2020 YTD	+5.17%	+5.20%	-0.03	22 / 45
2019	-6.10%	-4.85%	-1.24	38 / 56
2018	+6.88%	+1.30%	+5.58	5 / 90
2017	+6.53%	+1.63%	+4.90	12 / 137
2016	+6.80%	+3.02%	+3.77	50 / 181
2015	+9.33%	+2.22%	+7.11	4 / 216
2014	+10.38%	+5.51%	+4.87	50 / 240
2013	+8.77%	-1.95%	+10.72	29 / 276
2012	+7.77%	+1.38%	+6.39	122 / 295
2011	+4.30%	-3.16%	+7.46	95 / 317
2010	+2.14%	-5.78%	+7.92	144 / 377

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

+5.45%

165 windows

min -6.8% · max 11.4%

92% positive

3-Year rolling

+5.83%

142 windows

min 1.9% · max 9.7%

100% positive

5-Year rolling

+6.21%

117 windows

min 3.8% · max 8.9%

100% positive

7-Year rolling

+6.46%

93 windows

min 4.8% · max 8.2%

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

5.17%

3-year · annualised

Sharpe ratio

-0.87

vs risk-free 6.5%

Sortino ratio

-0.93

Downside-only deviation

Max drawdown

-11.20%

Jun 2019 → Aug 2019

% positive months

94.4%

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
29 Dec 2020	₹26.3520
28 Dec 2020	₹26.3491
24 Dec 2020	₹26.3390
23 Dec 2020	₹26.3360
22 Dec 2020	₹26.3339
21 Dec 2020	₹26.3342
18 Dec 2020	₹26.3307
17 Dec 2020	₹26.3297
16 Dec 2020	₹26.3253
15 Dec 2020	₹26.3194

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 Income Plus-Appreciation is a Income 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 Income Plus-Appreciation has NAV history starting from 01 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 Income Plus-Appreciation is managed by Sundaram BNP Paribas. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Sundaram BNP Paribas Income Plus-Appreciation has delivered a absolute return of 5.21% — +18.29 pp ahead of the Income category average of -13.09%. The fund ranks #312 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Sundaram BNP Paribas Income Plus-Appreciation has delivered a CAGR of 1.86% — +12.87 pp ahead of the Income category average of -11.01%. The fund ranks #161 of 385 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Sundaram BNP Paribas Income Plus-Appreciation has delivered a CAGR of 3.79% — +11.15 pp ahead of the Income category average of -7.36%. The fund ranks #109 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in Sundaram BNP Paribas Income Plus-Appreciation exactly 10 years ago would be worth approximately ₹178,104 today — a multiplier of 1.78×, based on the 10-year CAGR of 5.94%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in Sundaram BNP Paribas Income Plus-Appreciation over the last 5 years — total invested ₹600,000 — would be worth ₹639,245 today. That's an XIRR (money-weighted annualised return) of 2.50%.

A ₹10,000 monthly SIP for 10 years in Sundaram BNP Paribas Income Plus-Appreciation = ₹1,200,000 invested. It would currently be worth ₹1,550,118 (multiplier 1.29×). XIRR: 5.00%. 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 Income Plus-Appreciation ranks #109 out of 314 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 -7.36%; this fund delivered 3.79%.

The worst peak-to-trough decline Sundaram BNP Paribas Income Plus-Appreciation has experienced over the last 5-year window is 11.20% — its NAV fell from a high on 03 Jun 2019 to a low on 16 Aug 2019. 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 Income Plus-Appreciation averaged 6.21% (best 8.91%, worst 3.79%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.66 — negative risk-adjusted performance.

In calendar year 2019, Sundaram BNP Paribas Income Plus-Appreciation returned -6.10% — lagging the Income category average of -4.85% by 1.24 pp. It ranked #38 of 56 in its category that year.

Sundaram BNP Paribas Income Plus-Appreciation 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. Sundaram BNP Paribas Income Plus-Appreciation 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. Worst 5-year drawdown: 11.2%. 5-year CAGR: 3.79%.

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

Sundaram BNP Paribas Income Plus-Appreciation

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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