Should I invest in Birla Sun Life 95 Fund-Plan B(Growth)?

We don't give personal investment advice. Birla Sun Life 95 Fund-Plan B(Growth) 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: 15.3%. 5-year CAGR: 8.51%.

Birla Sun Life

Birla Sun Life 95 Fund-Plan B(Growth)

Latest NAV

₹1,463.6700

As of

10 Jun 2026

4,968 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	+0.67%	+0.33%	+0.34	10 / 34	Q2
1W	-0.41%	-0.20%	-0.22	22 / 34	Q3
2W	-1.57%	-1.64%	+0.06	15 / 34	Q2
1M	-1.44%	-1.38%	-0.05	14 / 34	Q2
3M	-1.40%	-1.36%	-0.04	13 / 34	Q2
6M	-5.95%	-5.16%	-0.79	17 / 33	Q3
YTD	-6.63%	-6.47%	-0.16	17 / 33	Q3
1Y	-3.88%	-5.35%	+1.46	12 / 33	Q2
2Y	+1.96%	-0.90%	+2.86	12 / 33	Q2
3Y	+10.17%	+7.19%	+2.98	14 / 33	Q2
4Y	+10.40%	+8.29%	+2.11	15 / 32	Q2
5Y	+8.51%	+7.02%	+1.49	15 / 30	Q2
7Y	+9.80%	+8.68%	+1.11	14 / 30	Q2
10Y	+9.55%	+7.61%	+1.94	11 / 29	Q2
Inception	+11.66%	+6.34%	+5.32	8 / 34	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
2026 YTD	-6.63%	-6.99%	+0.36	15 / 31
2025	+6.82%	+2.10%	+4.72	7 / 31
2024	+15.21%	+12.84%	+2.37	13 / 31
2023	+20.89%	+17.18%	+3.71	7 / 31
2022	-1.75%	+1.09%	-2.84	20 / 31
2021	+23.66%	+23.51%	+0.14	13 / 31
2020	+11.47%	+10.62%	+0.85	11 / 31
2019	+4.62%	+3.54%	+1.08	15 / 32
2018	-4.64%	-7.66%	+3.02	12 / 32
2017	+24.74%	+16.43%	+8.31	4 / 32
2016	+8.36%	+2.00%	+6.35	3 / 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

+14.17%

234 windows

min -42.0% · max 90.3%

78% positive

3-Year rolling

+12.73%

210 windows

min -4.4% · max 29.2%

97% positive

5-Year rolling

+12.41%

186 windows

min 0.9% · max 21.0%

100% positive

7-Year rolling

+12.20%

161 windows

min 8.2% · max 21.2%

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

9.86%

3-year · annualised

Sharpe ratio

0.38

vs risk-free 6.5%

Sortino ratio

0.65

Downside-only deviation

Max drawdown

-13.59%

Sep 2024 → Feb 2025

% positive months

66.7%

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	10 Jun 2026
SBI Magnum Balanced Fund - Dividend	SBI	₹64.4379	10 Jun 2026
ICICI Prudential Balanced Plan-Dividend	ICICI Prudential	₹41.7800	10 Jun 2026
FT India Balanced Fund-Dividend Plan	Franklin Templeton	₹27.4705	10 Jun 2026
Kotak Balance	Kotak Mahindra	₹36.5510	10 Jun 2026
DSP BlackRock Balanced Fund-Dividend	DSP BlackRock	₹26.3150	10 Jun 2026
Canara Robeco Balance - Dividend Plan	Canara Robeco	₹89.2800	10 Jun 2026
UTI â€“ Balanced Fund-Growth	UTI	₹391.4778	10 Jun 2026
PGIM India Aggressive Hybrid Equity Fund - Dividend Option	PGIM India	₹13.3900	9 Jun 2026
Birla Sun Life 95 Fund-Plan A (Dividend)	Birla Sun Life	₹163.2700	10 Jun 2026

Recent NAVs

Date	NAV
10 Jun 2026	₹1,463.6700
9 Jun 2026	₹1,467.5400
8 Jun 2026	₹1,457.8200
5 Jun 2026	₹1,470.0200
4 Jun 2026	₹1,469.4500
3 Jun 2026	₹1,468.9600
2 Jun 2026	₹1,473.6300
1 Jun 2026	₹1,469.7200
29 May 2026	₹1,479.2900
27 May 2026	₹1,492.6100

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 10 Jun 2026, the NAV of Birla Sun Life 95 Fund-Plan B(Growth) is ₹1,463.6700. 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 B(Growth) 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 B(Growth) 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 B(Growth) has delivered a absolute return of -3.88% — +1.46 pp ahead of the Aggressive Hybrid Fund category average of -5.35%. The fund ranks #12 of 33 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Birla Sun Life 95 Fund-Plan B(Growth) has delivered a CAGR of 10.17% — +2.98 pp ahead of the Aggressive Hybrid Fund category average of 7.19%. The fund ranks #14 of 33 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Birla Sun Life 95 Fund-Plan B(Growth) has delivered a CAGR of 8.51% — +1.49 pp ahead of the Aggressive Hybrid Fund category average of 7.02%. The fund ranks #15 of 30 in its category — the second (Q2) quartile.

₹1 lakh invested in Birla Sun Life 95 Fund-Plan B(Growth) exactly 10 years ago would be worth approximately ₹248,977 today — a multiplier of 2.49×, based on the 10-year CAGR of 9.55%. The category average over the same window would have grown ₹1 lakh to ₹208,162.

A ₹10,000 monthly SIP in Birla Sun Life 95 Fund-Plan B(Growth) over the last 5 years — total invested ₹600,000 — would be worth ₹718,106 today. That's an XIRR (money-weighted annualised return) of 7.12%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life 95 Fund-Plan B(Growth) = ₹1,200,000 invested. It would currently be worth ₹1,938,557 (multiplier 1.62×). XIRR: 9.27%. 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 B(Growth) ranks #15 out of 30 funds in the Aggressive Hybrid Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 7.02%; this fund delivered 8.51%.

The worst peak-to-trough decline Birla Sun Life 95 Fund-Plan B(Growth) has experienced over the last 5-year window is 15.29% — its NAV fell from a high on 18 Oct 2021 to a low on 20 Jun 2022. 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 B(Growth) averaged 12.41% (best 20.97%, worst 0.85%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.23 — weak risk-adjusted performance.

In calendar year 2025, Birla Sun Life 95 Fund-Plan B(Growth) returned 6.82% — beating the Aggressive Hybrid Fund category average of 2.10% by 4.72 pp. It ranked #7 of 31 in its category that year.

Birla Sun Life 95 Fund-Plan B(Growth) 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 B(Growth) 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: 15.3%. 5-year CAGR: 8.51%.

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