Birla Sun Life
Birla Sun Life Floating Rate Fund-Long Term - Retail 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).
Category
Floating Rate
Plan type
Dividend
Structure
Open-ended
AMFI Scheme Code
101969
ISIN (Growth)
—
ISIN (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 | +0.03% | +0.02% | +0.01 | 1 / 4 | Q1 |
| 1W | +0.13% | +0.06% | +0.07 | 2 / 4 | Q2 |
| 2W | +0.33% | +0.02% | +0.32 | 1 / 4 | Q1 |
| 1M | +0.77% | +0.23% | +0.54 | 1 / 4 | Q1 |
| 3M | +2.58% | +0.75% | +1.84 | 1 / 4 | Q1 |
| 6M | +4.70% | +1.32% | +3.38 | 1 / 4 | Q1 |
| YTD | +3.83% | +0.94% | +2.89 | 1 / 4 | Q1 |
| 1Y | +9.60% | +2.57% | +7.03 | 1 / 4 | Q1 |
| 2Y | +9.74% | +2.69% | +7.05 | 1 / 4 | Q1 |
| 3Y | +8.92% | +3.21% | +5.71 | 1 / 3 | Q2 |
| 4Y | +8.53% | +3.02% | +5.51 | 1 / 3 | Q2 |
| 5Y | +8.57% | +3.01% | +5.55 | 1 / 3 | Q2 |
| 7Y | +8.44% | +8.44% | +0.00 | 1 / 1 | Q4 |
| 10Y | — | — | — | — | — |
| Inception | +8.38% | +2.22% | +6.16 | 1 / 4 | 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 | +3.83% | +2.04% | +1.79 | 1 / 2 |
| 2012 | +9.84% | +4.88% | +4.96 | 1 / 2 |
| 2011 | +9.16% | +2.23% | +6.93 | 1 / 4 |
| 2010 | +6.16% | +1.75% | +4.41 | 1 / 4 |
| 2009 | +8.14% | +2.37% | +5.77 | 1 / 4 |
| 2008 | +9.25% | +3.09% | +6.15 | 1 / 3 |
| 2007 | +8.65% | +4.32% | +4.33 | 1 / 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
+8.47%
76 windows
min 6.1% · max 10.2%
100% positive
3-Year rolling
+8.22%
51 windows
min 7.8% · max 8.9%
100% positive
Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.
5-Year rolling
+8.33%
27 windows
min 7.8% · max 8.6%
100% positive
Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.
7-Year rolling
+8.38%
3 windows
min 8.3% · max 8.4%
100% positive
Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.
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
0.46%
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 | ₹205.5383 |
| 27 May 2013 | ₹205.4849 |
| 24 May 2013 | ₹205.3583 |
| 23 May 2013 | ₹205.3026 |
| 22 May 2013 | ₹205.3101 |
| 21 May 2013 | ₹205.2753 |
| 20 May 2013 | ₹205.2140 |
| 17 May 2013 | ₹205.1003 |
| 16 May 2013 | ₹205.0276 |
| 15 May 2013 | ₹204.9674 |
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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-Growth 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-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 Floating Rate Fund-Long Term - Retail 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 - Retail Plan-Growth has delivered a absolute return of 9.60% — +7.03 pp ahead of the Floating Rate category average of 2.57%. The fund ranks #1 of 4 in its category — the top (Q1) quartile.
Over the trailing 3-year window, Birla Sun Life Floating Rate Fund-Long Term - Retail Plan-Growth has delivered a CAGR of 8.92% — +5.71 pp ahead of the Floating Rate category average of 3.21%. The fund ranks #1 of 3 in its category — the second (Q2) quartile.
Over the trailing 5-year window, Birla Sun Life Floating Rate Fund-Long Term - Retail Plan-Growth has delivered a CAGR of 8.57% — +5.55 pp ahead of the Floating Rate category average of 3.01%. The fund ranks #1 of 3 in its category — the second (Q2) quartile.
₹1 lakh invested in Birla Sun Life Floating Rate Fund-Long Term - Retail Plan-Growth exactly 5 years ago would be worth approximately ₹150,835 today — a multiplier of 1.51×, based on the 5-year CAGR of 8.57%. 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-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹750,268 today. That's an XIRR (money-weighted annualised return) of 8.87%.
Birla Sun Life Floating Rate Fund-Long Term - Retail Plan-Growth doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,145,754 — XIRR 8.72%.
On a 5-year basis, Birla Sun Life Floating Rate Fund-Long Term - Retail Plan-Growth ranks #1 out of 3 funds in the Floating Rate category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.01%; this fund delivered 8.57%.
The worst peak-to-trough decline Birla Sun Life Floating Rate Fund-Long Term - Retail Plan-Growth has experienced over the last 5-year window is 0.59% — its NAV fell from a high on 27 Aug 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 5-year rolling windows, Birla Sun Life Floating Rate Fund-Long Term - Retail Plan-Growth averaged 8.33% (best 8.57%, worst 7.83%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 2.68 — strong risk-adjusted performance.
In calendar year 2012, Birla Sun Life Floating Rate Fund-Long Term - Retail Plan-Growth returned 9.84% — beating the Floating Rate category average of 4.88% by 4.96 pp. It ranked #1 of 2 in its category that year.
Birla Sun Life Floating Rate Fund-Long Term - Retail 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 - Retail 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
Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.
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