Should I invest in Birla Sun Life Dynamic Bond Fund?

We don't give personal investment advice. Birla Sun Life Dynamic Bond Fund-Retail 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: 6.47%.

Birla Sun Life

Birla Sun Life Dynamic Bond Fund-Retail Plan-Growth

Latest NAV

₹47.8673

As of

3 Jun 2026

4,878 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%	-0.06%	+0.09	4 / 7	Q3
1W	+0.24%	+0.31%	-0.07	2 / 7	Q2
2W	+0.57%	+0.64%	-0.06	2 / 7	Q2
1M	+0.18%	+0.62%	-0.44	5 / 7	Q3
3M	+0.40%	+0.11%	+0.29	3 / 7	Q2
6M	+1.50%	+0.59%	+0.91	3 / 7	Q2
YTD	+1.04%	+0.95%	+0.09	3 / 7	Q2
1Y	+2.28%	-0.18%	+2.46	3 / 7	Q2
2Y	+6.41%	+1.92%	+4.50	1 / 7	Q1
3Y	+6.66%	+2.12%	+4.54	1 / 7	Q1
4Y	+7.56%	+2.62%	+4.94	1 / 6	Q1
5Y	+6.47%	+1.93%	+4.54	1 / 6	Q1
7Y	+5.93%	+2.07%	+3.86	1 / 6	Q1
10Y	+5.97%	+2.25%	+3.72	1 / 5	Q1
Inception	+7.68%	+2.99%	+4.69	1 / 7	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%	-0.06%	+1.10	1 / 5
2025	+7.10%	+2.45%	+4.65	1 / 5
2024	+8.91%	+4.97%	+3.94	1 / 5
2023	+6.74%	+2.47%	+4.28	1 / 5
2022	+5.96%	+1.66%	+4.30	1 / 5
2021	+4.91%	+1.20%	+3.71	1 / 5
2020	+9.63%	+6.35%	+3.28	1 / 6
2019	-0.65%	-0.30%	-0.35	4 / 6
2018	+5.64%	+2.18%	+3.46	1 / 6
2017	+0.89%	-2.92%	+3.81	2 / 6
2016	+13.86%	+8.59%	+5.27	2 / 6

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

+7.89%

234 windows

min -1.2% · max 16.4%

97% positive

3-Year rolling

+7.78%

210 windows

min 1.0% · max 13.3%

100% positive

5-Year rolling

+7.65%

185 windows

min 3.4% · max 11.5%

100% positive

7-Year rolling

+7.65%

161 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

0.00

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 - Half Yearly IDCW - Direct Plan	HDFC	₹13.6543	3 Jun 2026
NIPPON INDIA DYNAMIC BOND FUND - Direct Plan - IDCW Option	Nippon India	₹29.9231	3 Jun 2026
SBI Dynamic Bond Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.6379	3 Jun 2026
ICICI Prudential All Seasons Bond Fund - Annual IDCW	ICICI Prudential	₹11.2400	3 Jun 2026
BANDHAN Dynamic Bond Fund - Regular Plan B - Annual IDCW	Bandhan	₹11.2383	3 Jun 2026
Quantum Dynamic Bond Fund - Direct Plan Monthly IDCW	Quantum	₹10.1944	3 Jun 2026
Aditya Birla Sun Life Dynamic Bond Fund -Direct - IDCW	Aditya Birla Sun Life	₹12.9569	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
Mirae Asset Dynamic Bond Fund Direct IDCW	Mirae Asset	₹18.5922	3 Jun 2026
Kotak Dynamic Bond Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹14.8223	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹47.8673
2 Jun 2026	₹47.8799
1 Jun 2026	₹47.8658
29 May 2026	₹47.8610
27 May 2026	₹47.8244
26 May 2026	₹47.7640
25 May 2026	₹47.7407
22 May 2026	₹47.6408
21 May 2026	₹47.5811
20 May 2026	₹47.6163

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-Retail Plan-Growth is ₹47.8673. It's a Dynamic Bond 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 Dynamic Bond Fund-Retail Plan-Growth 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 Dynamic Bond Fund-Retail 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-Retail Plan-Growth has delivered a absolute return of 2.28% — +2.46 pp ahead of the Dynamic Bond Fund category average of -0.18%. The fund ranks #3 of 7 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Birla Sun Life Dynamic Bond Fund-Retail Plan-Growth has delivered a CAGR of 6.66% — +4.54 pp ahead of the Dynamic Bond Fund category average of 2.12%. The fund ranks #1 of 7 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Birla Sun Life Dynamic Bond Fund-Retail Plan-Growth has delivered a CAGR of 6.47% — +4.54 pp ahead of the Dynamic Bond Fund category average of 1.93%. The fund ranks #1 of 6 in its category — the top (Q1) quartile.

₹1 lakh invested in Birla Sun Life Dynamic Bond Fund-Retail Plan-Growth exactly 10 years ago would be worth approximately ₹178,590 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 ₹124,871.

A ₹10,000 monthly SIP in Birla Sun Life Dynamic Bond Fund-Retail Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹708,613 today. That's an XIRR (money-weighted annualised return) of 6.59%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Dynamic Bond Fund-Retail Plan-Growth = ₹1,200,000 invested. It would currently be worth ₹1,637,588 (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-Retail Plan-Growth ranks #1 out of 6 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 1.93%; this fund delivered 6.47%.

The worst peak-to-trough decline Birla Sun Life Dynamic Bond Fund-Retail Plan-Growth has experienced over the last 5-year window is 1.24% — 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-Retail Plan-Growth averaged 7.65% (best 11.49%, worst 3.45%). 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-Retail Plan-Growth returned 7.10% — beating the Dynamic Bond Fund category average of 2.45% by 4.65 pp. It ranked #1 of 5 in its category that year.

Birla Sun Life Dynamic Bond Fund-Retail 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-Retail 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: 6.47%.

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-Retail 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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