Should I invest in Birla Sun Life International Equity Fund Plan B?

We don't give personal investment advice. Birla Sun Life International Equity Fund Plan B - Dividend is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 63.7%. 5-year CAGR: 4.95%.

Birla Sun Life

Birla Sun Life International Equity Fund Plan B - Dividend

Latest NAV

₹19.8371

As of

28 Jul 2023

3,862 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	+0.23%	+0.28%	-0.05	66 / 122	Q3
1W	+0.73%	-1.28%	+2.01	11 / 122	Q1
2W	+1.29%	+0.09%	+1.20	29 / 122	Q1
1M	+4.19%	-0.62%	+4.81	11 / 122	Q1
3M	+10.26%	+1.50%	+8.76	9 / 122	Q1
6M	+10.03%	-2.06%	+12.09	10 / 122	Q1
YTD	+8.22%	-1.85%	+10.07	13 / 122	Q1
1Y	+13.75%	+2.44%	+11.31	16 / 119	Q1
2Y	+4.72%	+3.47%	+1.26	39 / 116	Q2
3Y	+16.73%	+14.90%	+1.84	50 / 112	Q2
4Y	+9.77%	+14.65%	-4.88	84 / 105	Q4
5Y	+4.95%	+12.36%	-7.42	95 / 104	Q4
7Y	+3.97%	+13.76%	-9.79	95 / 99	Q4
10Y	+7.44%	+11.67%	-4.22	76 / 93	Q4
Inception	+4.36%	+10.81%	-6.45	109 / 122	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
2023 YTD	+8.22%	+31.56%	-23.34	104 / 108
2022	-1.29%	+2.19%	-3.47	61 / 104
2021	+15.37%	+32.41%	-17.04	86 / 102
2020	+7.91%	+18.32%	-10.41	73 / 100
2019	+0.31%	+5.50%	-5.19	71 / 97
2018	-12.09%	-10.07%	-2.02	55 / 94
2017	+13.88%	+30.10%	-16.22	80 / 93
2016	+5.06%	-0.25%	+5.31	22 / 93
2015	-1.61%	-5.20%	+3.58	1 / 4
2014	+29.48%	+29.48%	0.00	2 / 2
2013	+5.69%	+5.69%	0.00	2 / 2

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

+7.37%

180 windows

min -51.5% · max 86.0%

63% positive

3-Year rolling

+6.69%

155 windows

min -11.9% · max 20.9%

86% positive

5-Year rolling

+6.31%

131 windows

min -5.0% · max 16.4%

92% positive

7-Year rolling

+6.78%

107 windows

min 1.5% · max 15.6%

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

14.06%

3-year · annualised

Sharpe ratio

0.71

vs risk-free 6.5%

Sortino ratio

1.57

Downside-only deviation

Max drawdown

-19.97%

Oct 2021 → Jun 2022

% 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.

Peers in Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - Growth Option	HDFC	₹16.8310	3 Jun 2026
Nippon India Japan Equity Fund- Growth Plan- Bonus Option	Nippon India	₹27.7005	3 Jun 2026
Magnum Equity Fund -Dividend	SBI	₹71.4772	3 Jun 2026
ICICI Prudential Active Momentum Fund - Growth	ICICI Prudential	₹10.5700	3 Jun 2026
Franklin Asian Equity Fund - Dividend Plan	Franklin Templeton	₹21.5824	3 Jun 2026
Franklin India Multi-Factor Fund- Growth	Franklin India	₹9.2801	3 Jun 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Growth	Kotak	₹67.0980	3 Jun 2026
Canara Robeco Infrastructure-DIVIDEND	Canara Robeco	₹64.3200	3 Jun 2026
UTI - MNC Fund (UGS 10000)-Growth Option	UTI	₹382.6597	3 Jun 2026
BANK OF INDIA Manufacturing & Infrastructure Fund-Growth	Bank of India	₹62.7500	3 Jun 2026

Recent NAVs

Date	NAV
28 Jul 2023	₹19.8371
27 Jul 2023	₹19.7918
26 Jul 2023	₹19.7884
25 Jul 2023	₹19.7179
24 Jul 2023	₹19.6881
21 Jul 2023	₹19.6933
20 Jul 2023	₹19.8028
19 Jul 2023	₹19.7741
18 Jul 2023	₹19.6911
17 Jul 2023	₹19.6458

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 28 Jul 2023, the NAV of Birla Sun Life International Equity Fund Plan B - Dividend is ₹19.8371. It's a Sectoral/Thematic Fund from Birla Sun Life, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

Birla Sun Life International Equity Fund Plan B - Dividend has NAV history starting from 15 Nov 2007, a track record of about 18 years 6 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 International Equity Fund Plan B - Dividend is managed by Birla Sun Life. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life International Equity Fund Plan B - Dividend has delivered a absolute return of 13.75% — +11.31 pp ahead of the Sectoral/Thematic Fund category average of 2.44%. The fund ranks #16 of 119 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Birla Sun Life International Equity Fund Plan B - Dividend has delivered a CAGR of 16.73% — +1.84 pp ahead of the Sectoral/Thematic Fund category average of 14.90%. The fund ranks #50 of 112 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Birla Sun Life International Equity Fund Plan B - Dividend has delivered a CAGR of 4.95% — -7.42 pp behind the Sectoral/Thematic Fund category average of 12.36%. The fund ranks #95 of 104 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Birla Sun Life International Equity Fund Plan B - Dividend exactly 10 years ago would be worth approximately ₹205,042 today — a multiplier of 2.05×, based on the 10-year CAGR of 7.44%. The category average over the same window would have grown ₹1 lakh to ₹301,430.

A ₹10,000 monthly SIP in Birla Sun Life International Equity Fund Plan B - Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹760,355 today. That's an XIRR (money-weighted annualised return) of 9.41%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life International Equity Fund Plan B - Dividend = ₹1,200,000 invested. It would currently be worth ₹1,635,508 (multiplier 1.36×). XIRR: 6.03%. 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 International Equity Fund Plan B - Dividend ranks #95 out of 104 funds in the Sectoral/Thematic Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 12.36%; this fund delivered 4.95%.

The worst peak-to-trough decline Birla Sun Life International Equity Fund Plan B - Dividend has experienced over the last 5-year window is 63.73% — its NAV fell from a high on 10 Apr 2019 to a low on 24 Mar 2020. 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 International Equity Fund Plan B - Dividend averaged 6.31% (best 16.38%, worst -4.99%). 92% of rolling windows ended positive. The 5-year Sharpe ratio is -0.00 — negative risk-adjusted performance.

In calendar year 2022, Birla Sun Life International Equity Fund Plan B - Dividend returned -1.29% — lagging the Sectoral/Thematic Fund category average of 2.19% by 3.47 pp. It ranked #61 of 104 in its category that year.

Birla Sun Life International Equity Fund Plan B - Dividend is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. Birla Sun Life International Equity Fund Plan B - Dividend is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 63.7%. 5-year CAGR: 4.95%.

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