Should I invest in BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS?

We don't give personal investment advice. BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-DIVIDEND 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: 23.9%. 5-year CAGR: -0.18%.

Birla Sun Life

BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-DIVIDEND

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	-23.52%	+0.06%	-23.59	299 / 299	Q4
1W	-23.31%	-3.61%	-19.71	293 / 303	Q4
2W	-23.70%	-4.52%	-19.19	291 / 303	Q4
1M	-23.60%	-5.64%	-17.96	270 / 302	Q4
3M	-22.80%	-4.27%	-18.53	270 / 302	Q4
6M	-21.82%	+1.48%	-23.30	279 / 307	Q4
YTD	-20.32%	-0.18%	-20.14	263 / 309	Q4
1Y	-20.66%	+7.10%	-27.76	259 / 307	Q4
2Y	-9.63%	+2.20%	-11.84	237 / 303	Q4
3Y	-4.37%	+0.76%	-5.13	194 / 264	Q3
4Y	-0.40%	+0.58%	-0.98	179 / 235	Q4
5Y	-0.18%	+0.02%	-0.20	160 / 208	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.18%	+0.51%	-0.69	234 / 310	Q4

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
2012 YTD	-20.32%	+23.57%	-43.89	185 / 190
2011	+0.70%	-23.68%	+24.38	5 / 241
2010	+5.04%	+11.69%	-6.65	188 / 256
2009	+12.71%	+65.86%	-53.15	219 / 238
2008	-4.48%	-52.86%	+48.38	5 / 198
2007	—	—	—	—

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

+4.82%

49 windows

min -20.7% · max 18.2%

88% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+5.85%

25 windows

min -4.4% · max 8.9%

96% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

14.04%

3-year · annualised

Sharpe ratio

-0.70

vs risk-free 6.5%

Sortino ratio

-0.71

Downside-only deviation

Max drawdown

-23.85%

Jul 2012 → Aug 2012

% positive months

58.3%

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
2 Aug 2012	₹10.0000
1 Aug 2012	₹13.0759
31 Jul 2012	₹13.0740
30 Jul 2012	₹13.0746
27 Jul 2012	₹13.0433
26 Jul 2012	₹13.0403
25 Jul 2012	₹13.0650
24 Jul 2012	₹13.0691
23 Jul 2012	₹13.0641
20 Jul 2012	₹13.0966

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 CAPITAL PROTECTION ORIENTED FUND-5 YRS-DIVIDEND 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 CAPITAL PROTECTION ORIENTED FUND-5 YRS-DIVIDEND has NAV history starting from 10 Aug 2007, a track record of about 18 years 10 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 CAPITAL PROTECTION ORIENTED FUND-5 YRS-DIVIDEND 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 CAPITAL PROTECTION ORIENTED FUND-5 YRS-DIVIDEND has delivered a absolute return of -20.66% — -27.76 pp behind the Growth category average of 7.10%. The fund ranks #259 of 307 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-DIVIDEND has delivered a CAGR of -4.37% — -5.13 pp behind the Growth category average of 0.76%. The fund ranks #194 of 264 in its category — the third (Q3) quartile.

Over the trailing 5-year window, BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-DIVIDEND has delivered a CAGR of -0.18% — -0.2 pp behind the Growth category average of 0.02%. The fund ranks #160 of 208 in its category — the bottom (Q4) quartile.

₹1 lakh invested in BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-DIVIDEND exactly 5 years ago would be worth approximately ₹99,122 today — a multiplier of 0.99×, based on the 5-year CAGR of -0.18%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-DIVIDEND over the last 3 years — total invested ₹360,000 — would be worth ₹292,479 today. That's an XIRR (money-weighted annualised return) of -13.00%.

BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-DIVIDEND doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹292,479 — XIRR -13.00%.

On a 5-year basis, BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-DIVIDEND ranks #160 out of 208 funds in the Growth category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 0.02%; this fund delivered -0.18%.

The worst peak-to-trough decline BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-DIVIDEND has experienced over the last 5-year window is 23.85% — its NAV fell from a high on 10 Jul 2012 to a low on 02 Aug 2012. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-DIVIDEND averaged 5.85% (best 8.87%, worst -4.37%). 96% of rolling windows ended positive. The 5-year Sharpe ratio is -0.49 — negative risk-adjusted performance.

In calendar year 2011, BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-DIVIDEND returned 0.70% — beating the Growth category average of -23.68% by 24.38 pp. It ranked #5 of 241 in its category that year.

BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND-5 YRS-DIVIDEND 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 CAPITAL PROTECTION ORIENTED FUND-5 YRS-DIVIDEND 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: 23.9%. 5-year CAGR: -0.18%.

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