Should I invest in Birla Sun Life Gilt Plus-PF Plan?

We don't give personal investment advice. Birla Sun Life Gilt Plus-PF Plan-Growth 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. Worst 5-year drawdown: 6.0%. 5-year CAGR: 5.04%.

Birla Sun Life

Birla Sun Life Gilt Plus-PF Plan-Growth

Latest NAV

₹82.2400

As of

17 Jul 2026

4,909 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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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	-0.21%	-0.09%	-0.12	44 / 50	Q4
1W	-0.64%	-0.21%	-0.44	45 / 50	Q4
2W	-0.71%	-0.20%	-0.50	48 / 50	Q4
1M	+1.75%	+0.85%	+0.90	12 / 50	Q1
3M	+2.56%	+1.89%	+0.67	15 / 49	Q2
6M	+2.80%	+2.36%	+0.44	27 / 48	Q3
YTD	+1.84%	+2.02%	-0.17	27 / 48	Q3
1Y	+1.03%	+2.29%	-1.26	35 / 48	Q3
2Y	+4.14%	+4.35%	-0.21	32 / 47	Q3
3Y	+5.45%	+4.90%	+0.55	28 / 46	Q3
4Y	+5.88%	+5.03%	+0.85	25 / 44	Q3
5Y	+5.04%	+4.10%	+0.94	26 / 42	Q3
7Y	+5.52%	+4.23%	+1.30	18 / 42	Q2
10Y	+6.80%	+4.82%	+1.99	12 / 42	Q2
Inception	+7.31%	+5.14%	+2.17	14 / 50	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
2026 YTD	+1.84%	+2.19%	-0.35	26 / 35
2025	+3.20%	+3.16%	+0.04	23 / 37
2024	+9.22%	+7.11%	+2.11	5 / 37
2023	+6.88%	+5.56%	+1.32	18 / 37
2022	+1.74%	+1.37%	+0.37	22 / 37
2021	+3.55%	+1.03%	+2.51	3 / 37
2020	+11.68%	+8.25%	+3.43	6 / 37
2019	+11.33%	+8.56%	+2.77	12 / 37
2018	+6.84%	+3.47%	+3.38	8 / 47
2017	+3.04%	+0.07%	+2.97	8 / 47
2016	+16.64%	+11.27%	+5.37	8 / 46

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

+7.58%

236 windows

min -4.6% · max 22.3%

96% positive

3-Year rolling

+7.66%

211 windows

min -0.1% · max 15.5%

100% positive

5-Year rolling

+7.97%

187 windows

min 3.9% · max 12.1%

100% positive

7-Year rolling

+8.30%

163 windows

min 5.5% · max 11.2%

100% positive

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

3.81%

3-year · annualised

Sharpe ratio

-0.28

vs risk-free 6.5%

Sortino ratio

-0.48

Downside-only deviation

Max drawdown

-5.96%

May 2025 → Apr 2026

% 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.

Peers in Gilt Fund

Scheme	Fund house	NAV	As of
HDFC Gilt Fund-Long Term-Dividend	HDFC	₹12.2632	17 Jul 2026
SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) Option	SBI	₹21.1223	17 Jul 2026
ICICI Prudential Gilt Fund-Investment-Dividend	ICICI Prudential	₹17.7074	17 Jul 2026
Templeton India Govt.Sec. Fund-Long Term Plan - Dividend	Franklin Templeton	₹10.7265	17 Jul 2026
Kotak Gilt-Investment Provident Fund and Trust-Dividend	Kotak Mahindra	₹11.8321	17 Jul 2026
DSP BlackRock Government Securities Fund - Dividend	DSP BlackRock	₹12.8314	17 Jul 2026
BARODA PIONEER GILT FUND-Dividend Plan	Baroda Pioneer	₹26.1330	17 Jul 2026
Canara Robeco Gilt PGS-Growth Plan	Canara Robeco	₹76.8324	17 Jul 2026
UTI - GILT ADVANTAGE-LONG TERM PF-DIVIDEND	UTI	₹26.9141	17 Jul 2026
PGIM India Gilt Fund - Quarterly Dividend	PGIM India	₹13.1211	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹82.2400
16 Jul 2026	₹82.4139
15 Jul 2026	₹82.2612
14 Jul 2026	₹82.2109
13 Jul 2026	₹82.6721
10 Jul 2026	₹82.7738
9 Jul 2026	₹82.5729
8 Jul 2026	₹82.5111
7 Jul 2026	₹82.9104
6 Jul 2026	₹82.9205

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.

As of 17 Jul 2026, the NAV of Birla Sun Life Gilt Plus-PF Plan-Growth is ₹82.2400. It's a Gilt Fund from Birla Sun Life, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Birla Sun Life Gilt Plus-PF Plan-Growth has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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 Gilt Plus-PF Plan-Growth is managed by Birla Sun Life. It's classified by AMFI under the 'Gilt Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Gilt Plus-PF Plan-Growth has delivered a absolute return of 1.03% — -1.26 pp behind the Gilt Fund category average of 2.29%. The fund ranks #35 of 48 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Birla Sun Life Gilt Plus-PF Plan-Growth has delivered a CAGR of 5.45% — +0.55 pp ahead of the Gilt Fund category average of 4.90%. The fund ranks #28 of 46 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Birla Sun Life Gilt Plus-PF Plan-Growth has delivered a CAGR of 5.04% — +0.94 pp ahead of the Gilt Fund category average of 4.10%. The fund ranks #26 of 42 in its category — the third (Q3) quartile.

₹1 lakh invested in Birla Sun Life Gilt Plus-PF Plan-Growth exactly 10 years ago would be worth approximately ₹193,082 today — a multiplier of 1.93×, based on the 10-year CAGR of 6.80%. The category average over the same window would have grown ₹1 lakh to ₹160,044.

A ₹10,000 monthly SIP in Birla Sun Life Gilt Plus-PF Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹682,514 today. That's an XIRR (money-weighted annualised return) of 5.09%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Gilt Plus-PF Plan-Growth = ₹1,200,000 invested. It would currently be worth ₹1,626,586 (multiplier 1.36×). XIRR: 5.93%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Birla Sun Life Gilt Plus-PF Plan-Growth ranks #26 out of 42 funds in the Gilt Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 4.10%; this fund delivered 5.04%.

The worst peak-to-trough decline Birla Sun Life Gilt Plus-PF Plan-Growth has experienced over the last 5-year window is 5.96% — its NAV fell from a high on 28 May 2025 to a low on 02 Apr 2026. 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 Gilt Plus-PF Plan-Growth averaged 7.97% (best 12.13%, worst 3.86%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.46 — negative risk-adjusted performance.

In calendar year 2025, Birla Sun Life Gilt Plus-PF Plan-Growth returned 3.20% — beating the Gilt Fund category average of 3.16% by 0.04 pp. It ranked #23 of 37 in its category that year.

Birla Sun Life Gilt Plus-PF Plan-Growth 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 Gilt Plus-PF Plan-Growth 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. Worst 5-year drawdown: 6.0%. 5-year CAGR: 5.04%.

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

Birla Sun Life Gilt Plus-PF Plan-Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Gilt Fund

Recent NAVs

Frequently asked questions

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