Should I invest in Birla Sun Life Fixed Maturity Plan - Annual Series 1?

We don't give personal investment advice. Birla Sun Life Fixed Maturity Plan - Annual Series 1-Dividend 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.

Birla Sun Life

Birla Sun Life Fixed Maturity Plan - Annual Series 1-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	+0.00%	-9.99%	+9.99	246 / 1129	Q1
1W	+0.00%	-13.04%	+13.04	363 / 1151	Q2
2W	+0.00%	-13.18%	+13.19	345 / 1149	Q2
1M	-6.45%	-13.26%	+6.81	908 / 1137	Q4
3M	-5.09%	-13.15%	+8.06	874 / 1116	Q4
6M	-2.55%	-15.45%	+12.90	616 / 906	Q3
YTD	-1.11%	-15.77%	+14.66	595 / 952	Q3
1Y	-0.45%	-13.09%	+12.63	539 / 820	Q3
2Y	-0.48%	-12.72%	+12.24	329 / 446	Q3
3Y	-0.43%	-11.01%	+10.58	293 / 385	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.74%	-13.63%	+12.89	977 / 1199	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
2009 YTD	-1.11%	-12.86%	+11.74	459 / 713
2008	-0.39%	-2.02%	+1.63	211 / 380
2007	-0.30%	+4.84%	-5.14	132 / 142
2006	—	—	—	—

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

-0.09%

33 windows

min -2.8% · max 6.9%

36% positive

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

3-Year rolling

+0.19%

9 windows

min -0.7% · max 2.0%

33% 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

7.58%

3-year · annualised

Sharpe ratio

-0.87

vs risk-free 6.5%

Sortino ratio

-0.92

Downside-only deviation

Max drawdown

-9.09%

Aug 2009 → Nov 2009

% positive months

88.9%

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
9 Dec 2009	₹10.0004
8 Dec 2009	₹10.0000
7 Dec 2009	₹10.0000
4 Dec 2009	₹10.0000
3 Dec 2009	₹10.0000
2 Dec 2009	₹10.0000
1 Dec 2009	₹10.0000
30 Nov 2009	₹10.0000
27 Nov 2009	₹10.0000
26 Nov 2009	₹10.0000

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 Fixed Maturity Plan - Annual Series 1-Dividend is a Income from Birla Sun Life (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Birla Sun Life Fixed Maturity Plan - Annual Series 1-Dividend 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 Fixed Maturity Plan - Annual Series 1-Dividend is managed by Birla Sun Life. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Fixed Maturity Plan - Annual Series 1-Dividend has delivered a absolute return of -0.45% — +12.63 pp ahead of the Income category average of -13.09%. The fund ranks #539 of 820 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Birla Sun Life Fixed Maturity Plan - Annual Series 1-Dividend has delivered a CAGR of -0.43% — +10.58 pp ahead of the Income category average of -11.01%. The fund ranks #293 of 385 in its category — the bottom (Q4) quartile.

Birla Sun Life Fixed Maturity Plan - Annual Series 1-Dividend doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in Birla Sun Life Fixed Maturity Plan - Annual Series 1-Dividend exactly 3 years ago would be worth approximately ₹98,727 today — a multiplier of 0.99×, based on the 3-year CAGR of -0.43%. The category average over the same window would have grown ₹1 lakh to ₹70,476.

A ₹10,000 monthly SIP in Birla Sun Life Fixed Maturity Plan - Annual Series 1-Dividend over the last 3 years — total invested ₹360,000 — would be worth ₹346,728 today. That's an XIRR (money-weighted annualised return) of -2.42%.

Birla Sun Life Fixed Maturity Plan - Annual Series 1-Dividend doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹346,728 — XIRR -2.42%.

On a 3-year basis, Birla Sun Life Fixed Maturity Plan - Annual Series 1-Dividend ranks #293 out of 385 funds in the Income category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -11.01%; this fund delivered -0.43%.

The worst peak-to-trough decline Birla Sun Life Fixed Maturity Plan - Annual Series 1-Dividend has experienced over the last 3-year window is 9.09% — its NAV fell from a high on 28 Aug 2009 to a low on 25 Nov 2009. 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 Fixed Maturity Plan - Annual Series 1-Dividend averaged 0.19% (best 2.04%, worst -0.65%). 33% of rolling windows ended positive. The 3-year Sharpe ratio is -0.87 — negative risk-adjusted performance.

In calendar year 2008, Birla Sun Life Fixed Maturity Plan - Annual Series 1-Dividend returned -0.39% — beating the Income category average of -2.02% by 1.63 pp. It ranked #211 of 380 in its category that year.

Birla Sun Life Fixed Maturity Plan - Annual Series 1-Dividend 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 Fixed Maturity Plan - Annual Series 1-Dividend 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.

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