Should I invest in Birla Sun Life Income Fund-Plan A(Dividend)?

We don't give personal investment advice. Birla Sun Life Income Fund-Plan A(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: 2.38%.

Birla Sun Life

Birla Sun Life Income Fund-Plan A(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	+0.04%	-9.99%	+10.03	98 / 1129	Q1
1W	+0.21%	-13.04%	+13.25	129 / 1151	Q1
2W	+0.35%	-13.18%	+13.53	123 / 1149	Q1
1M	+0.48%	-13.26%	+13.74	194 / 1137	Q1
3M	+0.95%	-13.15%	+14.10	287 / 1116	Q2
6M	+2.00%	-15.45%	+17.46	345 / 906	Q2
YTD	+0.71%	-15.77%	+16.48	356 / 952	Q2
1Y	+2.10%	-13.09%	+15.18	373 / 820	Q2
2Y	-1.38%	-12.72%	+11.34	349 / 446	Q4
3Y	-0.17%	-11.01%	+10.84	283 / 385	Q3
4Y	+1.99%	-6.52%	+8.51	136 / 339	Q2
5Y	+2.38%	-7.36%	+9.74	122 / 314	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+2.45%	-13.63%	+16.08	355 / 1199	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	+0.71%	-3.16%	+3.87	135 / 317
2010	+1.32%	-5.78%	+7.10	168 / 377
2009	-11.86%	-12.86%	+0.99	593 / 713
2008	+14.33%	-2.02%	+16.35	13 / 380
2007	+4.81%	+4.84%	-0.03	88 / 142
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

+1.92%

48 windows

min -10.5% · max 12.1%

77% positive

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

3-Year rolling

+1.89%

23 windows

min -0.2% · max 3.7%

96% 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

7.93%

3-year · annualised

Sharpe ratio

-0.80

vs risk-free 6.5%

Sortino ratio

-1.27

Downside-only deviation

Max drawdown

-17.36%

Jan 2009 → Aug 2009

% positive months

63.9%

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	₹11.7535
10 Feb 2011	₹11.7489
9 Feb 2011	₹11.7435
8 Feb 2011	₹11.7400
7 Feb 2011	₹11.7357
4 Feb 2011	₹11.7290
3 Feb 2011	₹11.7276
2 Feb 2011	₹11.7253
1 Feb 2011	₹11.7219
31 Jan 2011	₹11.7205

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

Over the trailing 1-year window, Birla Sun Life Income Fund-Plan A(Dividend) has delivered a absolute return of 2.10% — +15.18 pp ahead of the Income category average of -13.09%. The fund ranks #373 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Birla Sun Life Income Fund-Plan A(Dividend) has delivered a CAGR of -0.17% — +10.84 pp ahead of the Income category average of -11.01%. The fund ranks #283 of 385 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Birla Sun Life Income Fund-Plan A(Dividend) has delivered a CAGR of 2.38% — +9.74 pp ahead of the Income category average of -7.36%. The fund ranks #122 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in Birla Sun Life Income Fund-Plan A(Dividend) exactly 5 years ago would be worth approximately ₹112,475 today — a multiplier of 1.12×, based on the 5-year CAGR of 2.38%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in Birla Sun Life Income Fund-Plan A(Dividend) over the last 3 years — total invested ₹360,000 — would be worth ₹368,546 today. That's an XIRR (money-weighted annualised return) of 1.52%.

Birla Sun Life Income Fund-Plan A(Dividend) doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹368,546 — XIRR 1.52%.

On a 5-year basis, Birla Sun Life Income Fund-Plan A(Dividend) ranks #122 out of 314 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -7.36%; this fund delivered 2.38%.

The worst peak-to-trough decline Birla Sun Life Income Fund-Plan A(Dividend) has experienced over the last 3-year window is 17.36% — its NAV fell from a high on 02 Jan 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 3-year rolling windows, Birla Sun Life Income Fund-Plan A(Dividend) averaged 1.89% (best 3.67%, worst -0.17%). 96% of rolling windows ended positive. The 3-year Sharpe ratio is -0.80 — negative risk-adjusted performance.

In calendar year 2010, Birla Sun Life Income Fund-Plan A(Dividend) returned 1.32% — beating the Income category average of -5.78% by 7.10 pp. It ranked #168 of 377 in its category that year.

Birla Sun Life Income Fund-Plan A(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 Income Fund-Plan A(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: 2.38%.

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