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

We don't give personal investment advice. Birla Sun Life Income 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: 1.3%. 5-year CAGR: 6.04%.

Birla Sun Life

Birla Sun Life Income Fund-Plan B(Growth)

Latest NAV

₹116.7625

As of

3 Jun 2026

4,878 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	+0.07%	-0.01%	+0.07	9 / 33	Q2
1W	+0.21%	-2.82%	+3.03	16 / 34	Q2
2W	+0.53%	-2.65%	+3.17	5 / 34	Q1
1M	+0.14%	-2.64%	+2.78	16 / 34	Q2
3M	-0.02%	-3.25%	+3.23	15 / 34	Q2
6M	+0.78%	-3.40%	+4.18	9 / 32	Q2
YTD	+0.65%	-3.19%	+3.84	9 / 32	Q2
1Y	+2.95%	-2.67%	+5.63	8 / 32	Q1
2Y	+6.42%	-1.54%	+7.96	6 / 30	Q1
3Y	+6.78%	-1.77%	+8.55	5 / 30	Q1
4Y	+6.90%	-1.99%	+8.89	5 / 29	Q1
5Y	+6.04%	-2.79%	+8.84	4 / 26	Q1
7Y	+6.95%	-2.84%	+9.79	2 / 24	Q1
10Y	+7.29%	+1.48%	+5.81	1 / 22	Q1
Inception	+8.16%	-0.76%	+8.92	2 / 34	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
2026 YTD	+0.65%	-0.76%	+1.41	5 / 21
2025	+7.37%	+2.87%	+4.50	5 / 21
2024	+8.53%	+2.38%	+6.15	1 / 21
2023	+7.23%	+1.19%	+6.04	2 / 21
2022	+4.08%	-0.52%	+4.60	3 / 22
2021	+4.01%	-0.19%	+4.21	3 / 22
2020	+11.80%	+3.13%	+8.67	1 / 24
2019	+9.62%	+2.92%	+6.70	4 / 25
2018	+6.91%	+1.55%	+5.36	2 / 25
2017	+6.28%	+1.65%	+4.63	3 / 25
2016	+10.16%	+3.80%	+6.36	2 / 23

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

+8.35%

234 windows

min -3.7% · max 25.0%

100% positive

3-Year rolling

+8.16%

210 windows

min 3.0% · max 11.1%

100% positive

5-Year rolling

+8.22%

185 windows

min 6.0% · max 10.0%

100% positive

7-Year rolling

+8.37%

161 windows

min 6.8% · max 9.5%

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

1.72%

3-year · annualised

Sharpe ratio

0.06

vs risk-free 6.5%

Sortino ratio

0.13

Downside-only deviation

Max drawdown

-1.13%

Mar 2026 → Apr 2026

% positive months

91.7%

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 Corporate Bond Fund

Scheme	Fund house	NAV	As of
HDFC Corporate Bond Fund - IDCW Option	HDFC	₹20.3364	3 Jun 2026
NIPPON INDIA CORPORATE BOND FUND - IDCW Option	Nippon India	₹19.9635	3 Jun 2026
ICICI Prudential Corporate Bond Fund -Quarterly IDCW	ICICI Prudential	₹11.1946	3 Jun 2026
Templeton India Income Builder Account-Dividend	Franklin Templeton	₹16.6818	3 Jun 2026
BARODA BNP PARIBAS Corporate Bond Fund - Defunct Plan - Annual-IDCW Option	Baroda BNP Paribas	₹11.9666	3 Jun 2026
PGIM India Corporate Bond Fund - Annual Dividend	PGIM India	₹10.0824	3 Jun 2026
Birla Sun Life Income Fund-Plan C(Quarterly Dividend)	Birla Sun Life	₹12.4562	3 Jun 2026
Reliance Medium Term Fund- Daily Dividend Plan	Reliance	₹17.0749	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹116.7625
2 Jun 2026	₹116.7853
1 Jun 2026	₹116.7069
29 May 2026	₹116.7176
27 May 2026	₹116.5992
26 May 2026	₹116.5426
25 May 2026	₹116.5042
22 May 2026	₹116.1915
21 May 2026	₹116.0688
20 May 2026	₹116.1799

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 03 Jun 2026, the NAV of Birla Sun Life Income Fund-Plan B(Growth) is ₹116.7625. It's a Corporate Bond 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 Income 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 Income Fund-Plan B(Growth) is managed by Birla Sun Life. It's classified by AMFI under the 'Corporate Bond Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Income Fund-Plan B(Growth) has delivered a absolute return of 2.95% — +5.63 pp ahead of the Corporate Bond Fund category average of -2.67%. The fund ranks #8 of 32 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Birla Sun Life Income Fund-Plan B(Growth) has delivered a CAGR of 6.78% — +8.55 pp ahead of the Corporate Bond Fund category average of -1.77%. The fund ranks #5 of 30 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Birla Sun Life Income Fund-Plan B(Growth) has delivered a CAGR of 6.04% — +8.84 pp ahead of the Corporate Bond Fund category average of -2.79%. The fund ranks #4 of 26 in its category — the top (Q1) quartile.

₹1 lakh invested in Birla Sun Life Income Fund-Plan B(Growth) exactly 10 years ago would be worth approximately ₹202,188 today — a multiplier of 2.02×, based on the 10-year CAGR of 7.29%. The category average over the same window would have grown ₹1 lakh to ₹115,824.

A ₹10,000 monthly SIP in Birla Sun Life Income Fund-Plan B(Growth) over the last 5 years — total invested ₹600,000 — would be worth ₹704,435 today. That's an XIRR (money-weighted annualised return) of 6.35%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Income Fund-Plan B(Growth) = ₹1,200,000 invested. It would currently be worth ₹1,705,427 (multiplier 1.42×). XIRR: 6.83%. 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 Income Fund-Plan B(Growth) ranks #4 out of 26 funds in the Corporate Bond Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -2.79%; this fund delivered 6.04%.

The worst peak-to-trough decline Birla Sun Life Income Fund-Plan B(Growth) has experienced over the last 5-year window is 1.26% — its NAV fell from a high on 07 Apr 2022 to a low on 06 May 2022. 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 Income Fund-Plan B(Growth) averaged 8.22% (best 10.05%, worst 6.04%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.37 — negative risk-adjusted performance.

In calendar year 2025, Birla Sun Life Income Fund-Plan B(Growth) returned 7.37% — beating the Corporate Bond Fund category average of 2.87% by 4.50 pp. It ranked #5 of 21 in its category that year.

Birla Sun Life Income 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 Income 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: 1.3%. 5-year CAGR: 6.04%.

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

Birla Sun Life Income Fund-Plan B(Growth)

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Corporate Bond Fund

Recent NAVs

Frequently asked questions

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