Should I invest in Birla Sun Life Floating Rate Fund-Long Term?

We don't give personal investment advice. Birla Sun Life Floating Rate Fund-Long Term - Retail Plan-Dividend is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. 5-year CAGR: 0.42%.

Birla Sun Life

Birla Sun Life Floating Rate Fund-Long Term - Retail Plan-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	+0.02%	+0.02%	+0.00	3 / 4	Q3
1W	+0.15%	+0.06%	+0.09	1 / 4	Q1
2W	-0.26%	+0.02%	-0.28	4 / 4	Q4
1M	+0.08%	+0.23%	-0.15	3 / 4	Q3
3M	+0.13%	+0.75%	-0.62	3 / 4	Q3
6M	+0.32%	+1.32%	-1.00	2 / 4	Q2
YTD	-0.31%	+0.94%	-1.25	4 / 4	Q4
1Y	+0.54%	+2.57%	-2.03	2 / 4	Q2
2Y	+0.90%	+2.69%	-1.79	2 / 4	Q2
3Y	+0.58%	+3.21%	-2.63	2 / 3	Q3
4Y	+0.48%	+3.02%	-2.55	2 / 3	Q3
5Y	+0.42%	+3.01%	-2.60	2 / 3	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.43%	+2.22%	-1.79	2 / 4	Q2

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
2011 YTD	-0.31%	+2.23%	-2.54	4 / 4
2010	+1.11%	+1.75%	-0.64	2 / 4
2009	+1.19%	+2.37%	-1.19	2 / 4
2008	+0.02%	+3.09%	-3.08	2 / 3
2007	-0.01%	+4.32%	-4.33	2 / 2
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

+0.41%

48 windows

min -0.8% · max 1.3%

79% positive

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

3-Year rolling

+0.41%

23 windows

min 0.2% · max 0.6%

100% 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

0.34%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-4.71%

Jul 2009 → Aug 2009

% positive months

69.4%

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
11 Feb 2011	₹10.5876
10 Feb 2011	₹10.5853
9 Feb 2011	₹10.5829
8 Feb 2011	₹10.5806
7 Feb 2011	₹10.5783
4 Feb 2011	₹10.5717
3 Feb 2011	₹10.5694
2 Feb 2011	₹10.5671
1 Feb 2011	₹10.5649
31 Jan 2011	₹10.5628

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 Floating Rate Fund-Long Term - Retail Plan-Dividend is a Floating Rate from Birla Sun Life (Retail 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 Floating Rate Fund-Long Term - Retail Plan-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 Floating Rate Fund-Long Term - Retail Plan-Dividend is managed by Birla Sun Life. It's classified by AMFI under the 'Floating Rate' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Floating Rate Fund-Long Term - Retail Plan-Dividend has delivered a absolute return of 0.54% — -2.03 pp behind the Floating Rate category average of 2.57%. The fund ranks #2 of 4 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Birla Sun Life Floating Rate Fund-Long Term - Retail Plan-Dividend has delivered a CAGR of 0.58% — -2.63 pp behind the Floating Rate category average of 3.21%. The fund ranks #2 of 3 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Birla Sun Life Floating Rate Fund-Long Term - Retail Plan-Dividend has delivered a CAGR of 0.42% — -2.6 pp behind the Floating Rate category average of 3.01%. The fund ranks #2 of 3 in its category — the third (Q3) quartile.

₹1 lakh invested in Birla Sun Life Floating Rate Fund-Long Term - Retail Plan-Dividend exactly 5 years ago would be worth approximately ₹102,105 today — a multiplier of 1.02×, based on the 5-year CAGR of 0.42%. The category average over the same window would have grown ₹1 lakh to ₹116,002.

A ₹10,000 monthly SIP in Birla Sun Life Floating Rate Fund-Long Term - Retail Plan-Dividend over the last 3 years — total invested ₹360,000 — would be worth ₹364,004 today. That's an XIRR (money-weighted annualised return) of 0.72%.

Birla Sun Life Floating Rate Fund-Long Term - Retail Plan-Dividend doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹364,004 — XIRR 0.72%.

On a 5-year basis, Birla Sun Life Floating Rate Fund-Long Term - Retail Plan-Dividend ranks #2 out of 3 funds in the Floating Rate category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.01%; this fund delivered 0.42%.

The worst peak-to-trough decline Birla Sun Life Floating Rate Fund-Long Term - Retail Plan-Dividend has experienced over the last 3-year window is 4.71% — its NAV fell from a high on 31 Jul 2009 to a low on 28 Aug 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 Floating Rate Fund-Long Term - Retail Plan-Dividend averaged 0.41% (best 0.60%, worst 0.17%). 100% of rolling windows ended positive.

In calendar year 2010, Birla Sun Life Floating Rate Fund-Long Term - Retail Plan-Dividend returned 1.11% — lagging the Floating Rate category average of 1.75% by 0.64 pp. It ranked #2 of 4 in its category that year.

Birla Sun Life Floating Rate Fund-Long Term - Retail Plan-Dividend doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Birla Sun Life Floating Rate Fund-Long Term - Retail Plan-Dividend is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. 5-year CAGR: 0.42%.

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