Should I invest in Birla Sun Life Long Term Fund?

We don't give personal investment advice. Birla Sun Life Long Term Fund- Growth Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 21.2%. 5-year CAGR: 12.82%.

Birla Sun Life

Birla Sun Life Long Term Fund- Growth Option

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	+1.35%	+0.06%	+1.29	32 / 299	Q1
1W	-0.80%	-3.61%	+2.81	203 / 303	Q3
2W	+1.23%	-4.52%	+5.74	84 / 303	Q2
1M	-4.62%	-5.64%	+1.02	223 / 302	Q3
3M	-4.80%	-4.27%	-0.53	191 / 302	Q3
6M	-11.56%	+1.48%	-13.04	237 / 307	Q4
YTD	-6.10%	-0.18%	-5.92	186 / 309	Q3
1Y	-8.39%	+7.10%	-15.50	224 / 307	Q3
2Y	+24.53%	+2.20%	+22.33	36 / 303	Q1
3Y	+17.46%	+0.76%	+16.70	40 / 264	Q1
4Y	+16.61%	+0.58%	+16.03	27 / 235	Q1
5Y	+12.82%	+0.02%	+12.80	40 / 208	Q1
7Y	+21.09%	+3.12%	+17.98	2 / 130	Q1
10Y	—	—	—	—	—
Inception	+10.01%	+0.51%	+9.50	60 / 310	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
2016 YTD	-6.10%	+1.07%	-7.17	69 / 88
2015	+1.31%	-3.94%	+5.25	35 / 99
2014	+54.54%	+34.59%	+19.95	22 / 133
2013	+7.88%	+0.03%	+7.86	21 / 154
2012	+31.56%	+23.57%	+7.99	57 / 190
2011	-24.20%	-23.68%	-0.52	126 / 241
2010	+21.60%	+11.69%	+9.91	44 / 256
2009	+81.35%	+65.86%	+15.49	67 / 238
2008	-54.49%	-52.86%	-1.63	85 / 198
2007	+36.26%	+42.91%	-6.65	90 / 137
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

+15.40%

102 windows

min -56.6% · max 118.7%

75% positive

3-Year rolling

+12.29%

78 windows

min -2.2% · max 29.2%

97% positive

5-Year rolling

+10.60%

53 windows

min 1.2% · max 22.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+11.85%

29 windows

min 5.6% · max 21.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

17.17%

3-year · annualised

Sharpe ratio

0.65

vs risk-free 6.5%

Sortino ratio

1.31

Downside-only deviation

Max drawdown

-14.40%

Aug 2015 → Jan 2016

% positive months

58.3%

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
5 Feb 2016	₹24.7800
4 Feb 2016	₹24.4500
3 Feb 2016	₹24.5300
2 Feb 2016	₹24.7300
1 Feb 2016	₹25.0300
29 Jan 2016	₹24.9800
28 Jan 2016	₹24.5500
27 Jan 2016	₹24.6400
25 Jan 2016	₹24.5800
22 Jan 2016	₹24.4800

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 Long Term Fund- Growth Option is a Growth from Birla Sun Life (Unknown plan, Growth option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Birla Sun Life Long Term Fund- Growth Option has NAV history starting from 11 Oct 2006, a track record of about 19 years 8 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 Long Term Fund- Growth Option is managed by Birla Sun Life. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Long Term Fund- Growth Option has delivered a absolute return of -8.39% — -15.5 pp behind the Growth category average of 7.10%. The fund ranks #224 of 307 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Birla Sun Life Long Term Fund- Growth Option has delivered a CAGR of 17.46% — +16.7 pp ahead of the Growth category average of 0.76%. The fund ranks #40 of 264 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Birla Sun Life Long Term Fund- Growth Option has delivered a CAGR of 12.82% — +12.8 pp ahead of the Growth category average of 0.02%. The fund ranks #40 of 208 in its category — the top (Q1) quartile.

₹1 lakh invested in Birla Sun Life Long Term Fund- Growth Option exactly 5 years ago would be worth approximately ₹182,743 today — a multiplier of 1.83×, based on the 5-year CAGR of 12.82%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in Birla Sun Life Long Term Fund- Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹890,729 today. That's an XIRR (money-weighted annualised return) of 15.77%.

Birla Sun Life Long Term Fund- Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,427,393 — XIRR 14.86%.

On a 5-year basis, Birla Sun Life Long Term Fund- Growth Option ranks #40 out of 208 funds in the Growth category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 0.02%; this fund delivered 12.82%.

The worst peak-to-trough decline Birla Sun Life Long Term Fund- Growth Option has experienced over the last 5-year window is 21.17% — its NAV fell from a high on 25 Apr 2011 to a low on 20 Dec 2011. 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 Long Term Fund- Growth Option averaged 10.60% (best 22.46%, worst 1.23%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.40 — weak risk-adjusted performance.

In calendar year 2015, Birla Sun Life Long Term Fund- Growth Option returned 1.31% — beating the Growth category average of -3.94% by 5.25 pp. It ranked #35 of 99 in its category that year.

Birla Sun Life Long Term Fund- Growth Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Birla Sun Life Long Term Fund- Growth Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 21.2%. 5-year CAGR: 12.82%.

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