Should I invest in Birla Sun Life Buy India Fund-Plan A(Divivdend)?

We don't give personal investment advice. Birla Sun Life Buy India Fund-Plan A(Divivdend) is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 25.3%. 5-year CAGR: 10.07%.

Birla Sun Life

Birla Sun Life Buy India Fund-Plan A(Divivdend)

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	+0.56%	+0.06%	+0.50	65 / 299	Q1
1W	-1.02%	-3.61%	+2.59	211 / 303	Q3
2W	+0.36%	-4.52%	+4.88	120 / 303	Q2
1M	-6.53%	-5.64%	-0.90	234 / 302	Q4
3M	-0.42%	-4.27%	+3.86	150 / 302	Q2
6M	-17.24%	+1.48%	-18.72	256 / 307	Q4
YTD	-8.28%	-0.18%	-8.09	212 / 309	Q3
1Y	-9.84%	+7.10%	-16.95	227 / 307	Q3
2Y	+23.46%	+2.20%	+21.26	41 / 303	Q1
3Y	+14.27%	+0.76%	+13.51	63 / 264	Q1
4Y	+15.07%	+0.58%	+14.49	30 / 235	Q1
5Y	+10.07%	+0.02%	+10.05	51 / 208	Q1
7Y	+16.01%	+3.12%	+12.89	11 / 130	Q1
10Y	+7.09%	+7.20%	-0.12	36 / 68	Q3
Inception	+7.20%	+0.51%	+6.68	107 / 310	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
2016 YTD	-8.28%	+1.07%	-9.35	81 / 88
2015	+2.96%	-3.94%	+6.90	22 / 99
2014	+48.72%	+34.59%	+14.13	24 / 133
2013	+1.64%	+0.03%	+1.61	72 / 154
2012	+37.63%	+23.57%	+14.06	26 / 190
2011	-29.82%	-23.68%	-6.14	204 / 241
2010	+9.69%	+11.69%	-1.99	155 / 256
2009	+73.88%	+65.86%	+8.02	95 / 238
2008	-50.70%	-52.86%	+2.16	51 / 198
2007	+37.29%	+42.91%	-5.63	86 / 137
2006	—	—	—	—

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

+13.22%

108 windows

min -50.0% · max 93.3%

68% positive

3-Year rolling

+8.35%

84 windows

min -7.2% · max 27.7%

87% positive

5-Year rolling

+6.46%

60 windows

min -1.0% · max 15.5%

92% positive

7-Year rolling

+8.03%

35 windows

min 2.6% · max 17.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

18.56%

3-year · annualised

Sharpe ratio

0.46

vs risk-free 6.5%

Sortino ratio

0.77

Downside-only deviation

Max drawdown

-19.48%

Aug 2015 → Jan 2016

% 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.

Recent NAVs

Date	NAV
5 Feb 2016	₹35.9100
4 Feb 2016	₹35.7100
3 Feb 2016	₹35.6700
2 Feb 2016	₹35.9300
1 Feb 2016	₹36.2100
29 Jan 2016	₹36.2800
28 Jan 2016	₹35.7200
27 Jan 2016	₹35.8300
25 Jan 2016	₹35.8100
22 Jan 2016	₹35.7800

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.

Birla Sun Life Buy India Fund-Plan A(Divivdend) is a Growth from Birla Sun Life (Unknown plan, Growth option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Birla Sun Life Buy India Fund-Plan A(Divivdend) 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 Buy India Fund-Plan A(Divivdend) is managed by Birla Sun Life. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Buy India Fund-Plan A(Divivdend) has delivered a absolute return of -9.84% — -16.95 pp behind the Growth category average of 7.10%. The fund ranks #227 of 307 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Birla Sun Life Buy India Fund-Plan A(Divivdend) has delivered a CAGR of 14.27% — +13.51 pp ahead of the Growth category average of 0.76%. The fund ranks #63 of 264 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Birla Sun Life Buy India Fund-Plan A(Divivdend) has delivered a CAGR of 10.07% — +10.05 pp ahead of the Growth category average of 0.02%. The fund ranks #51 of 208 in its category — the top (Q1) quartile.

₹1 lakh invested in Birla Sun Life Buy India Fund-Plan A(Divivdend) exactly 10 years ago would be worth approximately ₹198,289 today — a multiplier of 1.98×, based on the 10-year CAGR of 7.09%. The category average over the same window would have grown ₹1 lakh to ₹200,432.

A ₹10,000 monthly SIP in Birla Sun Life Buy India Fund-Plan A(Divivdend) over the last 5 years — total invested ₹600,000 — would be worth ₹838,903 today. That's an XIRR (money-weighted annualised return) of 13.34%.

Birla Sun Life Buy India Fund-Plan A(Divivdend) doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,257,436 — XIRR 11.31%.

On a 5-year basis, Birla Sun Life Buy India Fund-Plan A(Divivdend) ranks #51 out of 208 funds in the Growth category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 0.02%; this fund delivered 10.07%.

The worst peak-to-trough decline Birla Sun Life Buy India Fund-Plan A(Divivdend) has experienced over the last 5-year window is 25.27% — its NAV fell from a high on 25 Apr 2011 to a low on 20 Dec 2011. 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 Buy India Fund-Plan A(Divivdend) averaged 6.46% (best 15.52%, worst -1.00%). 92% of rolling windows ended positive. The 5-year Sharpe ratio is 0.25 — weak risk-adjusted performance.

In calendar year 2015, Birla Sun Life Buy India Fund-Plan A(Divivdend) returned 2.96% — beating the Growth category average of -3.94% by 6.90 pp. It ranked #22 of 99 in its category that year.

Birla Sun Life Buy India Fund-Plan A(Divivdend) doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Birla Sun Life Buy India Fund-Plan A(Divivdend) is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 25.3%. 5-year CAGR: 10.07%.

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