Should I invest in Birla Sun Life Cash Plus- Discipline Advantage Plan?

We don't give personal investment advice. Birla Sun Life Cash Plus- Discipline Advantage Plan 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: 0.0%. 5-year CAGR: 6.21%.

Birla Sun Life

Birla Sun Life Cash Plus- Discipline Advantage Plan

Unit split applied to historical metrics

This scheme had a 10× unit consolidation on 7 Oct 2011. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹301.5027

As of

3 Jun 2026

5,336 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	+0.01%	-0.84%	+0.85	35 / 117	Q2
1W	+0.16%	-1.30%	+1.45	4 / 116	Q1
2W	+0.26%	-1.26%	+1.52	5 / 116	Q1
1M	+0.49%	-1.18%	+1.67	9 / 115	Q1
3M	+1.65%	-0.77%	+2.42	14 / 115	Q1
6M	+3.18%	-0.25%	+3.43	8 / 116	Q1
YTD	+2.70%	-0.28%	+2.98	7 / 116	Q1
1Y	+6.46%	+0.81%	+5.65	5 / 115	Q1
2Y	+6.97%	+1.09%	+5.88	3 / 111	Q1
3Y	+7.16%	+1.15%	+6.01	2 / 101	Q1
4Y	+6.96%	+1.01%	+5.95	1 / 92	Q1
5Y	+6.21%	+0.76%	+5.45	3 / 84	Q1
7Y	+5.73%	+0.50%	+5.23	3 / 78	Q1
10Y	+6.19%	+0.67%	+5.52	4 / 71	Q1
Inception	+6.72%	+1.27%	+5.45	13 / 114	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	+2.70%	+1.00%	+1.70	1 / 73
2025	+6.89%	+2.57%	+4.32	2 / 69
2024	+7.55%	+2.54%	+5.01	1 / 71
2023	+7.29%	+2.47%	+4.82	1 / 66
2022	+4.77%	+1.48%	+3.29	14 / 70
2021	+3.19%	+1.01%	+2.18	20 / 80
2020	+4.20%	+0.34%	+3.86	8 / 87
2019	+6.57%	+2.59%	+3.98	14 / 87
2018	+7.66%	+2.60%	+5.06	1 / 88
2017	+6.69%	+2.32%	+4.37	9 / 85
2016	+7.81%	+2.45%	+5.36	2 / 64

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

+6.83%

195 windows

min 3.2% · max 9.2%

100% positive

3-Year rolling

+6.89%

170 windows

min 4.0% · max 8.8%

100% positive

5-Year rolling

+6.83%

146 windows

min 5.2% · max 8.5%

100% positive

7-Year rolling

+6.86%

122 windows

min 5.7% · max 8.1%

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

0.21%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.00%

Mar 2026 → Mar 2026

% positive months

100.0%

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 Liquid Fund

Scheme	Fund house	NAV	As of
HDFC Liquid Fund-Dividend - Daily	HDFC	₹1,019.8200	3 Jun 2026
NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION	Nippon India	₹1,017.6155	3 Jun 2026
ICICI Prudential Liquid Fund - IDCW Others	ICICI Prudential	₹189.7289	3 Jun 2026
Invesco India Liquid Fund - Unclaimed Dividend Plan - Above 3 Years	Invesco	₹1,000.0000	3 Jun 2026
BANDHAN LIQUID Fund - Unclaimed IDCW Less than 3 years	Bandhan	₹1.7935	3 Jun 2026
Quantum Liquid Fund - Unclaimed IDCW Plan Above 3 years	Quantum	₹10.0000	3 Jun 2026
Motilal Oswal Liquid Fund - Unclaimed Dividend - Greater than 3 years	Motilal Oswal	₹10.0000	3 Jun 2026
Templeton India Treasury Management - Institution-Daily	Franklin Templeton	₹1,000.0000	3 Jun 2026
Mirae Asset Cash Management Fund - Daily Dividend	Mirae Asset	₹1,066.4347	3 Jun 2026
HSBC Liquid Fund - IDCW	HSBC	₹1,019.3000	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹301.5027
2 Jun 2026	₹301.4526
1 Jun 2026	₹301.4117
31 May 2026	₹301.3388
29 May 2026	₹301.2113
28 May 2026	₹301.0974
26 May 2026	₹300.9836
25 May 2026	₹300.9426
24 May 2026	₹300.9016
22 May 2026	₹300.7923

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 Cash Plus- Discipline Advantage Plan is ₹301.5027. It's a Liquid 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 Cash Plus- Discipline Advantage Plan has NAV history starting from 23 Jun 2009, a track record of about 16 years 11 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 Cash Plus- Discipline Advantage Plan is managed by Birla Sun Life. It's classified by AMFI under the 'Liquid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Cash Plus- Discipline Advantage Plan has delivered a absolute return of 6.46% — +5.65 pp ahead of the Liquid Fund category average of 0.81%. The fund ranks #5 of 115 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Birla Sun Life Cash Plus- Discipline Advantage Plan has delivered a CAGR of 7.16% — +6.01 pp ahead of the Liquid Fund category average of 1.15%. The fund ranks #2 of 101 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Birla Sun Life Cash Plus- Discipline Advantage Plan has delivered a CAGR of 6.21% — +5.45 pp ahead of the Liquid Fund category average of 0.76%. The fund ranks #3 of 84 in its category — the top (Q1) quartile.

₹1 lakh invested in Birla Sun Life Cash Plus- Discipline Advantage Plan exactly 10 years ago would be worth approximately ₹182,297 today — a multiplier of 1.82×, based on the 10-year CAGR of 6.19%. The category average over the same window would have grown ₹1 lakh to ₹106,873.

A ₹10,000 monthly SIP in Birla Sun Life Cash Plus- Discipline Advantage Plan over the last 5 years — total invested ₹600,000 — would be worth ₹713,104 today. That's an XIRR (money-weighted annualised return) of 6.84%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Cash Plus- Discipline Advantage Plan = ₹1,200,000 invested. It would currently be worth ₹1,645,676 (multiplier 1.37×). XIRR: 6.15%. 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 Cash Plus- Discipline Advantage Plan ranks #3 out of 84 funds in the Liquid Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 0.76%; this fund delivered 6.21%.

The worst peak-to-trough decline Birla Sun Life Cash Plus- Discipline Advantage Plan has experienced over the last 5-year window is 0.05% — its NAV fell from a high on 03 May 2022 to a low on 05 May 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 Cash Plus- Discipline Advantage Plan averaged 6.83% (best 8.49%, worst 5.20%). 100% of rolling windows ended positive.

In calendar year 2025, Birla Sun Life Cash Plus- Discipline Advantage Plan returned 6.89% — beating the Liquid Fund category average of 2.57% by 4.32 pp. It ranked #2 of 69 in its category that year.

Birla Sun Life Cash Plus- Discipline Advantage Plan 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. Birla Sun Life Cash Plus- Discipline Advantage Plan 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: 0.0%. 5-year CAGR: 6.21%.

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

Birla Sun Life Cash Plus- Discipline Advantage Plan

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Liquid Fund

Recent NAVs

Frequently asked questions

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