Should I invest in Birla Sun Life Income Fund-Plan D(54EA Dividend)?

We don't give personal investment advice. Birla Sun Life Income Fund-Plan D(54EA 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: 0.16%.

Birla Sun Life

Birla Sun Life Income Fund-Plan D(54EA 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	104 / 1129	Q1
1W	+0.21%	-13.04%	+13.25	128 / 1151	Q1
2W	+0.35%	-13.18%	+13.53	120 / 1149	Q1
1M	+0.48%	-13.26%	+13.74	190 / 1137	Q1
3M	+0.95%	-13.15%	+14.10	286 / 1116	Q2
6M	+2.00%	-15.45%	+17.46	344 / 906	Q2
YTD	+0.71%	-15.77%	+16.48	358 / 952	Q2
1Y	-15.34%	-13.09%	-2.26	682 / 820	Q4
2Y	-14.52%	-12.72%	-1.80	372 / 446	Q4
3Y	-7.04%	-11.01%	+3.97	328 / 385	Q4
4Y	-1.54%	-6.52%	+4.98	289 / 339	Q4
5Y	+0.16%	-7.36%	+7.52	200 / 314	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.17%	-13.63%	+13.80	478 / 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	137 / 317
2010	-15.99%	-5.78%	-10.21	349 / 377
2009	-20.14%	-12.86%	-7.28	602 / 713
2008	+22.85%	-2.02%	+24.88	6 / 380
2007	+12.73%	+4.84%	+7.89	21 / 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

-0.45%

48 windows

min -30.1% · max 20.4%

58% positive

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

3-Year rolling

-0.09%

23 windows

min -7.0% · max 11.6%

43% 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

15.28%

3-year · annualised

Sharpe ratio

-0.82

vs risk-free 6.5%

Sortino ratio

-0.89

Downside-only deviation

Max drawdown

-36.63%

Jan 2009 → Feb 2010

% positive months

66.7%

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.

Recent NAVs

Date	NAV
11 Feb 2011	₹10.6457
10 Feb 2011	₹10.6416
9 Feb 2011	₹10.6367
8 Feb 2011	₹10.6335
7 Feb 2011	₹10.6296
4 Feb 2011	₹10.6235
3 Feb 2011	₹10.6222
2 Feb 2011	₹10.6201
1 Feb 2011	₹10.6170
31 Jan 2011	₹10.6158

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 D(54EA 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 D(54EA 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 D(54EA 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 D(54EA Dividend) has delivered a absolute return of -15.34% — -2.26 pp behind the Income category average of -13.09%. The fund ranks #682 of 820 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Birla Sun Life Income Fund-Plan D(54EA Dividend) has delivered a CAGR of -7.04% — +3.97 pp ahead of the Income category average of -11.01%. The fund ranks #328 of 385 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Birla Sun Life Income Fund-Plan D(54EA Dividend) has delivered a CAGR of 0.16% — +7.52 pp ahead of the Income category average of -7.36%. The fund ranks #200 of 314 in its category — the third (Q3) quartile.

₹1 lakh invested in Birla Sun Life Income Fund-Plan D(54EA Dividend) exactly 5 years ago would be worth approximately ₹100,810 today — a multiplier of 1.01×, based on the 5-year CAGR of 0.16%. 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 D(54EA Dividend) over the last 3 years — total invested ₹360,000 — would be worth ₹313,331 today. That's an XIRR (money-weighted annualised return) of -8.78%.

Birla Sun Life Income Fund-Plan D(54EA Dividend) doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹313,331 — XIRR -8.78%.

On a 5-year basis, Birla Sun Life Income Fund-Plan D(54EA Dividend) ranks #200 out of 314 funds in the Income category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -7.36%; this fund delivered 0.16%.

The worst peak-to-trough decline Birla Sun Life Income Fund-Plan D(54EA Dividend) has experienced over the last 3-year window is 36.63% — its NAV fell from a high on 02 Jan 2009 to a low on 17 Feb 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 Income Fund-Plan D(54EA Dividend) averaged -0.09% (best 11.57%, worst -7.04%). 43% of rolling windows ended positive. The 3-year Sharpe ratio is -0.82 — negative risk-adjusted performance.

In calendar year 2010, Birla Sun Life Income Fund-Plan D(54EA Dividend) returned -15.99% — lagging the Income category average of -5.78% by 10.21 pp. It ranked #349 of 377 in its category that year.

Birla Sun Life Income Fund-Plan D(54EA 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 D(54EA 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: 0.16%.

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