Should I invest in Birla Sun Life Gilt Plus (Annual Dividend)?

We don't give personal investment advice. Birla Sun Life Gilt Plus-Regular Plan (Annual Dividend) 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. 5-year CAGR: 1.73%.

Birla Sun Life

Birla Sun Life Gilt Plus-Regular Plan (Annual 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	+0.05%	-0.05%	+0.09	3 / 17	Q1
1W	+0.14%	+0.21%	-0.07	4 / 17	Q1
2W	+0.22%	+0.30%	-0.08	11 / 17	Q3
1M	+0.47%	+0.24%	+0.23	8 / 17	Q2
3M	+1.65%	+1.68%	-0.03	7 / 17	Q2
6M	+2.87%	+2.93%	-0.06	12 / 17	Q3
YTD	+0.51%	+3.53%	-3.02	13 / 17	Q4
1Y	-0.56%	+4.79%	-5.36	15 / 17	Q4
2Y	-4.14%	+3.77%	-7.92	17 / 17	Q4
3Y	-1.89%	+3.93%	-5.83	16 / 17	Q4
4Y	+0.40%	+5.32%	-4.92	11 / 12	Q4
5Y	+1.73%	+5.53%	-3.80	11 / 12	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.78%	+4.62%	-2.84	14 / 17	Q4

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	+0.51%	+5.07%	-4.56	15 / 15
2010	-1.25%	+2.35%	-3.60	15 / 15
2009	-14.42%	-5.08%	-9.34	11 / 11
2008	+16.16%	+21.69%	-5.53	4 / 4
2007	+1.23%	+3.56%	-2.33	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

+0.76%

48 windows

min -13.0% · max 13.2%

50% positive

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

3-Year rolling

+1.14%

23 windows

min -1.9% · max 3.6%

87% 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

9.48%

3-year · annualised

Sharpe ratio

-0.84

vs risk-free 6.5%

Sortino ratio

-1.05

Downside-only deviation

Max drawdown

-19.39%

Jan 2009 → Mar 2010

% positive months

61.1%

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	₹23.7552
10 Feb 2011	₹23.7444
9 Feb 2011	₹23.7410
8 Feb 2011	₹23.7380
7 Feb 2011	₹23.7332
4 Feb 2011	₹23.7229
3 Feb 2011	₹23.7195
2 Feb 2011	₹23.7160
1 Feb 2011	₹23.7126
31 Jan 2011	₹23.7094

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 Gilt Plus-Regular Plan (Annual Dividend) is a Gilt from Birla Sun Life (Regular 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 Gilt Plus-Regular Plan (Annual 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 Gilt Plus-Regular Plan (Annual Dividend) is managed by Birla Sun Life. It's classified by AMFI under the 'Gilt' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Gilt Plus-Regular Plan (Annual Dividend) has delivered a absolute return of -0.56% — -5.36 pp behind the Gilt category average of 4.79%. The fund ranks #15 of 17 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Birla Sun Life Gilt Plus-Regular Plan (Annual Dividend) has delivered a CAGR of -1.89% — -5.83 pp behind the Gilt category average of 3.93%. The fund ranks #16 of 17 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Birla Sun Life Gilt Plus-Regular Plan (Annual Dividend) has delivered a CAGR of 1.73% — -3.8 pp behind the Gilt category average of 5.53%. The fund ranks #11 of 12 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Birla Sun Life Gilt Plus-Regular Plan (Annual Dividend) exactly 5 years ago would be worth approximately ₹108,967 today — a multiplier of 1.09×, based on the 5-year CAGR of 1.73%. The category average over the same window would have grown ₹1 lakh to ₹130,907.

A ₹10,000 monthly SIP in Birla Sun Life Gilt Plus-Regular Plan (Annual Dividend) over the last 3 years — total invested ₹360,000 — would be worth ₹361,486 today. That's an XIRR (money-weighted annualised return) of 0.27%.

Birla Sun Life Gilt Plus-Regular Plan (Annual Dividend) doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹361,486 — XIRR 0.27%.

On a 5-year basis, Birla Sun Life Gilt Plus-Regular Plan (Annual Dividend) ranks #11 out of 12 funds in the Gilt category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 5.53%; this fund delivered 1.73%.

The worst peak-to-trough decline Birla Sun Life Gilt Plus-Regular Plan (Annual Dividend) has experienced over the last 3-year window is 19.39% — its NAV fell from a high on 02 Jan 2009 to a low on 17 Mar 2010. 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 Gilt Plus-Regular Plan (Annual Dividend) averaged 1.14% (best 3.64%, worst -1.89%). 87% of rolling windows ended positive. The 3-year Sharpe ratio is -0.84 — negative risk-adjusted performance.

In calendar year 2010, Birla Sun Life Gilt Plus-Regular Plan (Annual Dividend) returned -1.25% — lagging the Gilt category average of 2.35% by 3.60 pp. It ranked #15 of 15 in its category that year.

Birla Sun Life Gilt Plus-Regular Plan (Annual Dividend) 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-Regular Plan (Annual Dividend) 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. 5-year CAGR: 1.73%.

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