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 - Institutional Plan-Growth 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.

Birla Sun Life

Birla Sun Life Floating Rate Fund-Long Term - Institutional Plan-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).

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%	-45.05%	+45.08	2 / 11	Q1
1W	+0.13%	-49.53%	+49.65	2 / 10	Q1
2W	+0.34%	-49.46%	+49.80	3 / 10	Q2
1M	+0.77%	-44.70%	+45.48	3 / 11	Q2
3M	+2.60%	-48.86%	+51.47	2 / 10	Q1
6M	+4.77%	-48.11%	+52.88	3 / 10	Q2
YTD	+3.88%	-48.33%	+52.20	3 / 10	Q2
1Y	+9.81%	-42.58%	+52.39	1 / 11	Q1
2Y	+9.91%	-47.44%	+57.36	2 / 10	Q1
3Y	+9.15%	-59.99%	+69.15	2 / 8	Q1
4Y	+8.73%	-64.46%	+73.19	2 / 9	Q1
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+8.72%	-48.10%	+56.82	1 / 12	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
2013 YTD	+3.88%	-31.11%	+34.99	2 / 6
2012	+10.06%	+5.16%	+4.90	2 / 6
2011	+9.35%	+3.95%	+5.40	2 / 7
2010	+6.49%	-28.18%	+34.66	1 / 10
2009	—	—	—	—

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

+8.66%

39 windows

min 6.4% · max 10.4%

100% positive

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

3-Year rolling

+8.64%

15 windows

min 8.2% · max 9.2%

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

0.44%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.02%

May 2013 → May 2013

% 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.

Recent NAVs

Date	NAV
28 May 2013	₹141.8222
27 May 2013	₹141.7853
24 May 2013	₹141.6980
23 May 2013	₹141.6596
22 May 2013	₹141.6647
21 May 2013	₹141.6407
20 May 2013	₹141.5978
17 May 2013	₹141.5176
16 May 2013	₹141.4669
15 May 2013	₹141.4248

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 - Institutional Plan-Growth is a Floating Rate from Birla Sun Life (Institutional 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 - Institutional Plan-Growth has NAV history starting from 25 Mar 2009, a track record of about 17 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 - Institutional Plan-Growth 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 - Institutional Plan-Growth has delivered a absolute return of 9.81% — +52.39 pp ahead of the Floating Rate category average of -42.58%. The fund ranks #1 of 11 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Birla Sun Life Floating Rate Fund-Long Term - Institutional Plan-Growth has delivered a CAGR of 9.15% — +69.15 pp ahead of the Floating Rate category average of -59.99%. The fund ranks #2 of 8 in its category — the top (Q1) quartile.

Birla Sun Life Floating Rate Fund-Long Term - Institutional Plan-Growth 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 Floating Rate Fund-Long Term - Institutional Plan-Growth exactly 3 years ago would be worth approximately ₹130,054 today — a multiplier of 1.30×, based on the 3-year CAGR of 9.15%. The category average over the same window would have grown ₹1 lakh to ₹6,404.

A ₹10,000 monthly SIP in Birla Sun Life Floating Rate Fund-Long Term - Institutional Plan-Growth over the last 3 years — total invested ₹360,000 — would be worth ₹416,693 today. That's an XIRR (money-weighted annualised return) of 9.72%.

Birla Sun Life Floating Rate Fund-Long Term - Institutional Plan-Growth doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹416,693 — XIRR 9.72%.

On a 3-year basis, Birla Sun Life Floating Rate Fund-Long Term - Institutional Plan-Growth ranks #2 out of 8 funds in the Floating Rate category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -59.99%; this fund delivered 9.15%.

The worst peak-to-trough decline Birla Sun Life Floating Rate Fund-Long Term - Institutional Plan-Growth has experienced over the last 3-year window is 0.02% — its NAV fell from a high on 02 May 2013 to a low on 03 May 2013. 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 - Institutional Plan-Growth averaged 8.64% (best 9.15%, worst 8.25%). 100% of rolling windows ended positive.

In calendar year 2012, Birla Sun Life Floating Rate Fund-Long Term - Institutional Plan-Growth returned 10.06% — beating the Floating Rate category average of 5.16% by 4.90 pp. It ranked #2 of 6 in its category that year.

Birla Sun Life Floating Rate Fund-Long Term - Institutional Plan-Growth 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 - Institutional Plan-Growth 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.

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