Should I invest in Birla Sun Life 95 Fund-Plan A (Dividend)?

We don't give personal investment advice. Birla Sun Life 95 Fund-Plan A (Dividend) 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: 20.6%. 5-year CAGR: 1.89%.

Birla Sun Life

Birla Sun Life 95 Fund-Plan A (Dividend)

Latest NAV

₹163.8600

As of

3 Jun 2026

4,963 NAV records on file

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	+0.27%	+10.29%	-10.02	13 / 37	Q2
1W	-1.16%	+9.11%	-10.27	13 / 37	Q2
2W	-0.10%	+9.94%	-10.05	16 / 37	Q2
1M	-1.40%	+9.09%	-10.49	14 / 37	Q2
3M	-4.55%	+8.02%	-12.57	27 / 37	Q3
6M	-9.47%	+5.31%	-14.78	29 / 36	Q4
YTD	-7.93%	+4.85%	-12.77	26 / 36	Q3
1Y	-8.42%	+7.28%	-15.69	27 / 36	Q3
2Y	-4.39%	+3.65%	-8.05	28 / 36	Q4
3Y	+2.89%	+9.44%	-6.55	28 / 36	Q4
4Y	+2.76%	+9.24%	-6.48	28 / 35	Q4
5Y	+1.89%	+8.27%	-6.38	27 / 33	Q4
7Y	+2.90%	+8.65%	-5.75	24 / 30	Q4
10Y	+1.70%	+7.76%	-6.06	24 / 28	Q4
Inception	+4.10%	+7.16%	-3.06	25 / 37	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
2026 YTD	-7.93%	-6.67%	-1.25	21 / 31
2025	-0.38%	+13.04%	-13.42	20 / 34
2024	+7.33%	+11.71%	-4.37	26 / 34
2023	+12.86%	+15.66%	-2.80	25 / 34
2022	-7.40%	+1.00%	-8.40	28 / 34
2021	+17.06%	+21.44%	-4.37	23 / 34
2020	+5.03%	+9.68%	-4.65	24 / 34
2019	-0.79%	+3.54%	-4.33	24 / 32
2018	-11.59%	-7.66%	-3.93	21 / 32
2017	+11.00%	+16.43%	-5.43	25 / 32
2016	-0.93%	+2.00%	-2.93	18 / 26

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

+6.46%

234 windows

min -43.7% · max 70.5%

57% positive

3-Year rolling

+4.49%

210 windows

min -15.0% · max 17.8%

75% positive

5-Year rolling

+3.97%

185 windows

min -10.3% · max 14.0%

83% positive

7-Year rolling

+3.63%

161 windows

min -1.8% · max 12.0%

96% 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

9.99%

3-year · annualised

Sharpe ratio

-0.31

vs risk-free 6.5%

Sortino ratio

-0.42

Downside-only deviation

Max drawdown

-20.57%

Sep 2024 → Mar 2026

% positive months

61.1%

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.

Peers in Aggressive Hybrid Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA AGGRESSIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Magnum Balanced Fund - Dividend	SBI	₹65.1273	3 Jun 2026
ICICI Prudential Balanced Plan-Dividend	ICICI Prudential	₹42.1200	3 Jun 2026
FT India Balanced Fund-Dividend Plan	Franklin Templeton	₹27.5483	3 Jun 2026
Kotak Balance	Kotak Mahindra	₹36.6150	3 Jun 2026
DSP BlackRock Balanced Fund-Dividend	DSP BlackRock	₹26.1570	3 Jun 2026
Canara Robeco Balance - Dividend Plan	Canara Robeco	₹89.4500	3 Jun 2026
UTI â€“ Balanced Fund-Growth	UTI	₹393.2851	3 Jun 2026
PGIM India Aggressive Hybrid Equity Fund - Dividend Option	PGIM India	₹13.4500	2 Jun 2026
Birla Sun Life 95 Fund-Plan B(Growth)	Birla Sun Life	₹1,468.9600	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹163.8600
2 Jun 2026	₹164.3800
1 Jun 2026	₹163.9400
29 May 2026	₹165.0100
27 May 2026	₹166.4900
26 May 2026	₹166.3100
25 May 2026	₹166.7000
22 May 2026	₹165.1900
21 May 2026	₹164.5700
20 May 2026	₹164.7500

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.

As of 03 Jun 2026, the NAV of Birla Sun Life 95 Fund-Plan A (Dividend) is ₹163.8600. It's a Aggressive Hybrid Fund from Birla Sun Life, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Birla Sun Life 95 Fund-Plan A (Dividend) 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 Sun Life 95 Fund-Plan A (Dividend) is managed by Birla Sun Life. It's classified by AMFI under the 'Aggressive Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life 95 Fund-Plan A (Dividend) has delivered a absolute return of -8.42% — -15.69 pp behind the Aggressive Hybrid Fund category average of 7.28%. The fund ranks #27 of 36 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Birla Sun Life 95 Fund-Plan A (Dividend) has delivered a CAGR of 2.89% — -6.55 pp behind the Aggressive Hybrid Fund category average of 9.44%. The fund ranks #28 of 36 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Birla Sun Life 95 Fund-Plan A (Dividend) has delivered a CAGR of 1.89% — -6.38 pp behind the Aggressive Hybrid Fund category average of 8.27%. The fund ranks #27 of 33 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Birla Sun Life 95 Fund-Plan A (Dividend) exactly 10 years ago would be worth approximately ₹118,336 today — a multiplier of 1.18×, based on the 10-year CAGR of 1.70%. The category average over the same window would have grown ₹1 lakh to ₹211,131.

A ₹10,000 monthly SIP in Birla Sun Life 95 Fund-Plan A (Dividend) over the last 5 years — total invested ₹600,000 — would be worth ₹603,737 today. That's an XIRR (money-weighted annualised return) of 0.24%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life 95 Fund-Plan A (Dividend) = ₹1,200,000 invested. It would currently be worth ₹1,343,214 (multiplier 1.12×). XIRR: 2.22%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Birla Sun Life 95 Fund-Plan A (Dividend) ranks #27 out of 33 funds in the Aggressive Hybrid Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 8.27%; this fund delivered 1.89%.

The worst peak-to-trough decline Birla Sun Life 95 Fund-Plan A (Dividend) has experienced over the last 5-year window is 20.57% — its NAV fell from a high on 23 Sep 2024 to a low on 30 Mar 2026. 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, Birla Sun Life 95 Fund-Plan A (Dividend) averaged 3.97% (best 14.01%, worst -10.32%). 83% of rolling windows ended positive. The 5-year Sharpe ratio is -0.37 — negative risk-adjusted performance.

In calendar year 2025, Birla Sun Life 95 Fund-Plan A (Dividend) returned -0.38% — lagging the Aggressive Hybrid Fund category average of 13.04% by 13.42 pp. It ranked #20 of 34 in its category that year.

Birla Sun Life 95 Fund-Plan A (Dividend) 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. Birla Sun Life 95 Fund-Plan A (Dividend) 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: 20.6%. 5-year CAGR: 1.89%.

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