Should I invest in Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan?

We don't give personal investment advice. Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-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: 1.2%. 5-year CAGR: 6.46%.

Birla Sun Life

Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth

Latest NAV

₹33.1008

As of

3 Jun 2026

4,140 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	+0.03%	+0.08%	-0.06	18 / 28	Q3
1W	+0.24%	-6.43%	+6.68	9 / 30	Q2
2W	+0.57%	-3.01%	+3.58	6 / 29	Q1
1M	+0.17%	-3.07%	+3.24	14 / 29	Q2
3M	+0.40%	-3.18%	+3.58	12 / 29	Q2
6M	+1.50%	-1.05%	+2.54	12 / 29	Q2
YTD	+1.04%	-1.27%	+2.31	13 / 29	Q2
1Y	+2.28%	-0.20%	+2.48	9 / 29	Q2
2Y	+6.41%	+4.93%	+1.48	8 / 28	Q2
3Y	+6.66%	+4.61%	+2.05	7 / 28	Q1
4Y	+7.55%	+4.83%	+2.72	4 / 28	Q1
5Y	+6.46%	+3.92%	+2.54	4 / 27	Q1
7Y	+5.92%	+3.77%	+2.15	10 / 26	Q2
10Y	+5.97%	+3.84%	+2.13	9 / 25	Q2
Inception	+7.21%	+4.05%	+3.16	6 / 28	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	+1.04%	+0.33%	+0.71	7 / 18
2025	+7.10%	+3.45%	+3.66	2 / 18
2024	+8.91%	+6.04%	+2.86	5 / 18
2023	+6.74%	-1.15%	+7.89	4 / 19
2022	+5.95%	+3.05%	+2.91	3 / 22
2021	+4.90%	+2.73%	+2.17	5 / 24
2020	+9.62%	+4.46%	+5.17	8 / 27
2019	-0.65%	+4.44%	-5.09	24 / 27
2018	+5.64%	+3.44%	+2.20	7 / 27
2017	+0.89%	-0.70%	+1.60	13 / 28
2016	+13.86%	+8.38%	+5.48	6 / 28

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

+7.39%

197 windows

min -1.2% · max 16.4%

96% positive

3-Year rolling

+7.40%

173 windows

min 1.0% · max 13.3%

100% positive

5-Year rolling

+7.28%

149 windows

min 3.4% · max 11.5%

100% positive

7-Year rolling

+7.14%

124 windows

min 4.5% · max 10.1%

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

2.53%

3-year · annualised

Sharpe ratio

0.00

vs risk-free 6.5%

Sortino ratio

-0.01

Downside-only deviation

Max drawdown

-1.20%

Jun 2025 → Aug 2025

% positive months

83.3%

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.

Peers in Dynamic Bond Fund

Scheme	Fund house	NAV	As of
HDFC Dynamic Debt Fund - Normal IDCW Option	HDFC	₹19.4058	3 Jun 2026
NIPPON INDIA DYNAMIC BOND FUND - QUARTERLY IDCW Option	Nippon India	₹10.2473	3 Jun 2026
SBI MAGNUM NRI LONG TERM BOND PLAN-DIVIDEND	SBI	₹19.2863	3 Jun 2026
ICICI Prudential All Seasons Bond Fund - Annual IDCW	ICICI Prudential	₹11.2400	3 Jun 2026
Franklin India Dynamic Accrual Fund- Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - IDCW	Franklin India	₹0.0000	3 Jun 2026
PGIM India Dynamic Bond Fund - Dividend Option - Quarterly	PGIM India	₹1,051.3579	3 Jun 2026
IDFC Dynamic Bond Fund -PLAN B DIVIDEND	IDFC	₹13.2827	3 Jun 2026
Reliance NRI Income Fund-Dividend Plan-Dividend Option	Reliance	₹25.8725	3 Jun 2026
Union Dynamic Bond Fund - IDCW Option	Union	₹15.3281	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹33.1008
2 Jun 2026	₹33.1095
1 Jun 2026	₹33.0998
29 May 2026	₹33.0965
27 May 2026	₹33.0712
26 May 2026	₹33.0294
25 May 2026	₹33.0133
22 May 2026	₹32.9442
21 May 2026	₹32.9030
20 May 2026	₹32.9273

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 Dynamic Bond Fund-Discipline Advantage Plan-Growth is ₹33.1008. It's a Dynamic Bond 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 Dynamic Bond Fund-Discipline Advantage Plan-Growth has NAV history starting from 09 Apr 2009, a track record of about 17 years 1 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 Dynamic Bond Fund-Discipline Advantage Plan-Growth is managed by Birla Sun Life. It's classified by AMFI under the 'Dynamic Bond Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth has delivered a absolute return of 2.28% — +2.48 pp ahead of the Dynamic Bond Fund category average of -0.20%. The fund ranks #9 of 29 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth has delivered a CAGR of 6.66% — +2.05 pp ahead of the Dynamic Bond Fund category average of 4.61%. The fund ranks #7 of 28 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth has delivered a CAGR of 6.46% — +2.54 pp ahead of the Dynamic Bond Fund category average of 3.92%. The fund ranks #4 of 27 in its category — the top (Q1) quartile.

₹1 lakh invested in Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth exactly 10 years ago would be worth approximately ₹178,530 today — a multiplier of 1.79×, based on the 10-year CAGR of 5.97%. The category average over the same window would have grown ₹1 lakh to ₹145,778.

A ₹10,000 monthly SIP in Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹708,560 today. That's an XIRR (money-weighted annualised return) of 6.58%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth = ₹1,200,000 invested. It would currently be worth ₹1,637,240 (multiplier 1.36×). XIRR: 6.05%. 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 Dynamic Bond Fund-Discipline Advantage Plan-Growth ranks #4 out of 27 funds in the Dynamic Bond Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 3.92%; this fund delivered 6.46%.

The worst peak-to-trough decline Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth has experienced over the last 5-year window is 1.25% — its NAV fell from a high on 31 Mar 2022 to a low on 09 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 Dynamic Bond Fund-Discipline Advantage Plan-Growth averaged 7.28% (best 11.49%, worst 3.44%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.07 — negative risk-adjusted performance.

In calendar year 2025, Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth returned 7.10% — beating the Dynamic Bond Fund category average of 3.45% by 3.66 pp. It ranked #2 of 18 in its category that year.

Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-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 Dynamic Bond Fund-Discipline Advantage Plan-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: 1.2%. 5-year CAGR: 6.46%.

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

Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Dynamic Bond Fund

Recent NAVs

Frequently asked questions

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