Should I invest in Birla Sun Life Govt, Securities Long Term Fund-Plan B (Growth)?

We don't give personal investment advice. Birla Sun Life Govt, Securities Long Term Fund-Plan B (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: 11.2%. 5-year CAGR: 6.87%.

Birla Sun Life

Birla Sun Life Govt, Securities Long Term Fund-Plan B (Growth)

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	-0.02%	+0.01%	-0.02	47 / 67	Q3
1W	+0.14%	-10.06%	+10.20	23 / 69	Q2
2W	+0.23%	-9.67%	+9.91	23 / 73	Q2
1M	+0.21%	-9.89%	+10.10	29 / 72	Q2
3M	+1.22%	-12.90%	+14.12	24 / 76	Q2
6M	+2.57%	-12.24%	+14.81	28 / 76	Q2
YTD	+2.10%	-12.22%	+14.32	27 / 75	Q2
1Y	+2.80%	-10.28%	+13.07	39 / 75	Q3
2Y	+6.92%	-12.45%	+19.36	24 / 71	Q2
3Y	+7.39%	-16.88%	+24.27	17 / 70	Q1
4Y	+8.94%	-23.11%	+32.05	9 / 65	Q1
5Y	+6.87%	-27.10%	+33.98	17 / 60	Q2
7Y	+8.59%	-19.22%	+27.81	6 / 49	Q1
10Y	+9.88%	-13.58%	+23.47	1 / 23	Q1
Inception	+8.55%	-18.29%	+26.85	5 / 85	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
2018 YTD	+2.10%	-31.22%	+33.32	1 / 13
2017	+0.56%	-1.07%	+1.63	7 / 23
2016	+15.25%	+8.41%	+6.84	1 / 27
2015	+5.66%	+0.91%	+4.75	20 / 36
2014	+17.77%	+5.14%	+12.64	9 / 43
2013	+2.40%	-3.23%	+5.64	20 / 48
2012	+10.62%	+5.57%	+5.04	5 / 55
2011	+6.96%	+2.07%	+4.89	13 / 59
2010	+9.33%	+0.75%	+8.59	1 / 68
2009	+17.54%	-6.22%	+23.76	1 / 65
2008	+5.64%	+7.61%	-1.98	40 / 63

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

+9.02%

137 windows

min -1.7% · max 23.9%

95% positive

3-Year rolling

+9.65%

112 windows

min 6.4% · max 13.4%

100% positive

5-Year rolling

+9.37%

88 windows

min 6.9% · max 13.1%

100% positive

7-Year rolling

+9.39%

64 windows

min 8.2% · 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

5.14%

3-year · annualised

Sharpe ratio

0.10

vs risk-free 6.5%

Sortino ratio

0.21

Downside-only deviation

Max drawdown

-5.63%

Nov 2016 → Mar 2017

% positive months

72.2%

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
1 Jun 2018	₹51.1409
31 May 2018	₹51.1492
30 May 2018	₹51.1561
29 May 2018	₹51.1463
28 May 2018	₹51.1110
25 May 2018	₹51.0714
24 May 2018	₹51.0542
23 May 2018	₹51.0501
22 May 2018	₹51.0379
21 May 2018	₹51.0359

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 Govt, Securities Long Term Fund-Plan B (Growth) is a Gilt 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 Govt, Securities Long Term 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 Govt, Securities Long Term Fund-Plan B (Growth) 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 Govt, Securities Long Term Fund-Plan B (Growth) has delivered a absolute return of 2.80% — +13.07 pp ahead of the Gilt category average of -10.28%. The fund ranks #39 of 75 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Birla Sun Life Govt, Securities Long Term Fund-Plan B (Growth) has delivered a CAGR of 7.39% — +24.27 pp ahead of the Gilt category average of -16.88%. The fund ranks #17 of 70 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Birla Sun Life Govt, Securities Long Term Fund-Plan B (Growth) has delivered a CAGR of 6.87% — +33.98 pp ahead of the Gilt category average of -27.10%. The fund ranks #17 of 60 in its category — the second (Q2) quartile.

₹1 lakh invested in Birla Sun Life Govt, Securities Long Term Fund-Plan B (Growth) exactly 10 years ago would be worth approximately ₹256,661 today — a multiplier of 2.57×, based on the 10-year CAGR of 9.88%. The category average over the same window would have grown ₹1 lakh to ₹23,230.

A ₹10,000 monthly SIP in Birla Sun Life Govt, Securities Long Term Fund-Plan B (Growth) over the last 5 years — total invested ₹600,000 — would be worth ₹727,543 today. That's an XIRR (money-weighted annualised return) of 7.64%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Govt, Securities Long Term Fund-Plan B (Growth) = ₹1,200,000 invested. It would currently be worth ₹1,870,495 (multiplier 1.56×). XIRR: 8.59%. 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 Govt, Securities Long Term Fund-Plan B (Growth) ranks #17 out of 60 funds in the Gilt category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -27.10%; this fund delivered 6.87%.

The worst peak-to-trough decline Birla Sun Life Govt, Securities Long Term Fund-Plan B (Growth) has experienced over the last 5-year window is 11.17% — its NAV fell from a high on 04 Jun 2013 to a low on 19 Aug 2013. 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 Govt, Securities Long Term Fund-Plan B (Growth) averaged 9.37% (best 13.13%, worst 6.87%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.06 — weak risk-adjusted performance.

In calendar year 2017, Birla Sun Life Govt, Securities Long Term Fund-Plan B (Growth) returned 0.56% — beating the Gilt category average of -1.07% by 1.63 pp. It ranked #7 of 23 in its category that year.

Birla Sun Life Govt, Securities Long Term Fund-Plan B (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 Govt, Securities Long Term Fund-Plan B (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: 11.2%. 5-year CAGR: 6.87%.

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

Birla Sun Life Govt, Securities Long Term Fund-Plan B (Growth)

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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