Should I invest in Birla Sun Life Freedom Fund-Plan B (Growth)?

We don't give personal investment advice. Birla Sun Life Freedom Fund-Plan B (Growth) is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 38.1%. 5-year CAGR: 3.33%.

Birla Sun Life

Birla Sun Life Freedom Fund-Plan B (Growth)

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	-0.19%	+0.06%	-0.25	32 / 37	Q4
1W	-0.67%	-7.52%	+6.84	32 / 40	Q4
2W	+1.58%	-7.64%	+9.22	8 / 40	Q1
1M	-2.12%	-7.66%	+5.54	31 / 40	Q4
3M	-5.91%	-9.18%	+3.27	34 / 40	Q4
6M	-6.70%	-5.67%	-1.04	32 / 39	Q4
YTD	-8.98%	-3.70%	-5.28	32 / 40	Q4
1Y	-9.70%	-4.99%	-4.71	34 / 41	Q4
2Y	-3.06%	-11.97%	+8.91	25 / 40	Q3
3Y	+6.79%	-14.60%	+21.39	10 / 38	Q2
4Y	-1.50%	-20.79%	+19.30	20 / 29	Q3
5Y	+3.33%	-6.40%	+9.73	13 / 25	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+3.58%	-12.19%	+15.77	16 / 44	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	-8.98%	-16.46%	+7.48	8 / 29
2010	+3.47%	-7.06%	+10.53	18 / 32
2009	+23.76%	+37.12%	-13.37	18 / 31
2008	-29.54%	-26.22%	-3.32	16 / 29
2007	+30.83%	+32.50%	-1.67	7 / 12
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

+6.44%

56 windows

min -29.7% · max 38.2%

68% positive

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

3-Year rolling

+3.70%

32 windows

min -2.7% · max 11.4%

88% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+5.55%

7 windows

min 3.3% · max 8.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

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

14.65%

3-year · annualised

Sharpe ratio

0.08

vs risk-free 6.5%

Sortino ratio

0.16

Downside-only deviation

Max drawdown

-14.66%

Nov 2010 → Oct 2011

% positive months

47.2%

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
21 Oct 2011	₹30.9100
20 Oct 2011	₹30.9700
19 Oct 2011	₹31.1500
18 Oct 2011	₹30.8100
17 Oct 2011	₹31.1100
14 Oct 2011	₹31.1200
13 Oct 2011	₹31.0100
12 Oct 2011	₹30.9900
11 Oct 2011	₹30.6500
10 Oct 2011	₹30.6600

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 Freedom Fund-Plan B (Growth) is a Balanced 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 Freedom Fund-Plan B (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 Freedom Fund-Plan B (Growth) is managed by Birla Sun Life. It's classified by AMFI under the 'Balanced' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Freedom Fund-Plan B (Growth) has delivered a absolute return of -9.70% — -4.71 pp behind the Balanced category average of -4.99%. The fund ranks #34 of 41 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Birla Sun Life Freedom Fund-Plan B (Growth) has delivered a CAGR of 6.79% — +21.39 pp ahead of the Balanced category average of -14.60%. The fund ranks #10 of 38 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Birla Sun Life Freedom Fund-Plan B (Growth) has delivered a CAGR of 3.33% — +9.73 pp ahead of the Balanced category average of -6.40%. The fund ranks #13 of 25 in its category — the third (Q3) quartile.

₹1 lakh invested in Birla Sun Life Freedom Fund-Plan B (Growth) exactly 5 years ago would be worth approximately ₹117,797 today — a multiplier of 1.18×, based on the 5-year CAGR of 3.33%. The category average over the same window would have grown ₹1 lakh to ₹71,837.

A ₹10,000 monthly SIP in Birla Sun Life Freedom Fund-Plan B (Growth) over the last 5 years — total invested ₹600,000 — would be worth ₹612,308 today. That's an XIRR (money-weighted annualised return) of 0.80%.

Birla Sun Life Freedom Fund-Plan B (Growth) doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹612,308 — XIRR 0.80%.

On a 5-year basis, Birla Sun Life Freedom Fund-Plan B (Growth) ranks #13 out of 25 funds in the Balanced category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -6.40%; this fund delivered 3.33%.

The worst peak-to-trough decline Birla Sun Life Freedom Fund-Plan B (Growth) has experienced over the last 5-year window is 38.09% — its NAV fell from a high on 07 Jan 2008 to a low on 27 Oct 2008. 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 Freedom Fund-Plan B (Growth) averaged 5.55% (best 8.12%, worst 3.33%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.10 — negative risk-adjusted performance.

In calendar year 2010, Birla Sun Life Freedom Fund-Plan B (Growth) returned 3.47% — beating the Balanced category average of -7.06% by 10.53 pp. It ranked #18 of 32 in its category that year.

Birla Sun Life Freedom Fund-Plan B (Growth) is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. Birla Sun Life Freedom Fund-Plan B (Growth) is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 38.1%. 5-year CAGR: 3.33%.

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