Should I invest in Birla Sun Life Cash Plus-Retail (Growth)?

We don't give personal investment advice. Birla Sun Life Cash Plus-Retail (Growth) 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: 6.07%.

Birla Sun Life

Birla Sun Life Cash Plus-Retail (Growth)

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

₹721.4841

As of

3 Jun 2026

6,321 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%	+0.00%	+0.01	2 / 13	Q1
1W	+0.15%	+0.08%	+0.07	1 / 13	Q1
2W	+0.24%	+0.04%	+0.20	1 / 13	Q1
1M	+0.47%	+0.15%	+0.32	2 / 13	Q1
3M	+1.65%	+0.50%	+1.15	3 / 13	Q1
6M	+3.14%	+0.83%	+2.31	3 / 13	Q1
YTD	+2.64%	+0.77%	+1.87	3 / 13	Q1
1Y	+6.14%	+1.46%	+4.68	3 / 13	Q1
2Y	+6.69%	+1.35%	+5.34	1 / 13	Q1
3Y	+6.88%	+1.26%	+5.62	1 / 13	Q1
4Y	+6.73%	+1.28%	+5.45	1 / 13	Q1
5Y	+6.07%	+1.13%	+4.94	1 / 13	Q1
7Y	+5.64%	+1.16%	+4.48	1 / 13	Q1
10Y	+6.08%	+1.14%	+4.94	1 / 10	Q1
Inception	+6.88%	+1.63%	+5.25	1 / 11	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	+2.64%	+0.77%	+1.87	3 / 13
2025	+6.49%	+1.37%	+5.12	1 / 13
2024	+7.32%	+1.07%	+6.25	1 / 13
2023	+7.03%	+1.14%	+5.89	1 / 13
2022	+4.80%	+1.01%	+3.79	1 / 13
2021	+3.25%	+0.57%	+2.68	1 / 13
2020	+4.28%	+1.21%	+3.07	1 / 13
2019	+6.67%	+1.96%	+4.71	1 / 13
2018	+7.39%	+2.21%	+5.18	1 / 13
2017	+6.64%	+1.35%	+5.29	1 / 13
2016	+7.67%	+1.44%	+6.24	1 / 10

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

+6.91%

234 windows

min 3.2% · max 9.5%

100% positive

3-Year rolling

+6.86%

210 windows

min 4.0% · max 8.9%

100% positive

5-Year rolling

+6.89%

185 windows

min 5.2% · max 8.8%

100% positive

7-Year rolling

+7.03%

161 windows

min 5.6% · max 8.3%

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

0.22%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.01%

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
Edelweiss Liquid Fund - Retail Plan - Weekly Dividend Option	Edelweiss	₹1,231.1341	3 Jun 2026
Axis Liquid Fund - Retail Plan - Daily IDCW	Axis	₹1,000.9559	3 Jun 2026
Birla Sun Life Cash Plus-Retail (Dividend)	Birla Sun Life	₹163.6940	3 Jun 2026
Reliance Liquid Fund-Treasury Plan-Retail Option - Daily Dividend Option	Reliance	₹1,524.2800	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹721.4841
2 Jun 2026	₹721.3741
1 Jun 2026	₹721.2719
31 May 2026	₹721.1120
29 May 2026	₹720.8510
28 May 2026	₹720.5938
26 May 2026	₹720.3293
25 May 2026	₹720.2393
24 May 2026	₹720.1419
22 May 2026	₹719.8923

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-Retail (Growth) is ₹721.4841. It's a Liquid Fund from Birla Sun Life, run as a Retail plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Birla Sun Life Cash Plus-Retail (Growth) has NAV history starting from 02 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 Cash Plus-Retail (Growth) 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-Retail (Growth) has delivered a absolute return of 6.14% — +4.68 pp ahead of the Liquid Fund category average of 1.46%. The fund ranks #3 of 13 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Birla Sun Life Cash Plus-Retail (Growth) has delivered a CAGR of 6.88% — +5.62 pp ahead of the Liquid Fund category average of 1.26%. The fund ranks #1 of 13 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Birla Sun Life Cash Plus-Retail (Growth) has delivered a CAGR of 6.07% — +4.94 pp ahead of the Liquid Fund category average of 1.13%. The fund ranks #1 of 13 in its category — the top (Q1) quartile.

₹1 lakh invested in Birla Sun Life Cash Plus-Retail (Growth) exactly 10 years ago would be worth approximately ₹180,477 today — a multiplier of 1.80×, based on the 10-year CAGR of 6.08%. The category average over the same window would have grown ₹1 lakh to ₹112,016.

A ₹10,000 monthly SIP in Birla Sun Life Cash Plus-Retail (Growth) over the last 5 years — total invested ₹600,000 — would be worth ₹708,871 today. That's an XIRR (money-weighted annualised return) of 6.60%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Cash Plus-Retail (Growth) = ₹1,200,000 invested. It would currently be worth ₹1,633,946 (multiplier 1.36×). XIRR: 6.01%. 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-Retail (Growth) ranks #1 out of 13 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 1.13%; this fund delivered 6.07%.

The worst peak-to-trough decline Birla Sun Life Cash Plus-Retail (Growth) 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-Retail (Growth) averaged 6.89% (best 8.75%, worst 5.21%). 100% of rolling windows ended positive.

In calendar year 2025, Birla Sun Life Cash Plus-Retail (Growth) returned 6.49% — beating the Liquid Fund category average of 1.37% by 5.12 pp. It ranked #1 of 13 in its category that year.

Birla Sun Life Cash Plus-Retail (Growth) 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-Retail (Growth) 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: 6.07%.

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

Birla Sun Life Cash Plus-Retail (Growth)

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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