Should I invest in Birla Sun Life Medium Term Plan - Institutional?

We don't give personal investment advice. Birla Sun Life Medium Term Plan - Institutional - Growth Plan 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: 1.8%. 5-year CAGR: 8.43%.

Birla Sun Life

Birla Sun Life Medium Term Plan - Institutional - Growth Plan

Latest NAV

₹22.1442

As of

4 Apr 2019

2,414 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	-0.08%	-0.01%	-0.08	2 / 2	Q4
1W	+0.38%	+0.26%	+0.12	1 / 2	Q2
2W	+0.55%	+0.41%	+0.14	1 / 2	Q2
1M	+1.28%	+0.77%	+0.51	1 / 2	Q2
3M	+0.13%	+0.68%	-0.56	2 / 2	Q4
6M	+2.70%	+2.95%	-0.26	2 / 2	Q4
YTD	+0.17%	+0.18%	-0.01	2 / 2	Q4
1Y	+3.69%	+5.01%	-1.32	2 / 2	Q4
2Y	+5.64%	+5.72%	-0.08	2 / 2	Q4
3Y	+6.84%	+5.51%	+1.33	1 / 2	Q2
4Y	+7.50%	+5.49%	+2.02	1 / 2	Q2
5Y	+8.43%	+6.22%	+2.21	1 / 2	Q2
7Y	+9.06%	+6.88%	+2.18	1 / 2	Q2
10Y	+8.25%	+6.87%	+1.38	1 / 2	Q2
Inception	+8.25%	+8.25%	+0.00	1 / 1	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
2019 YTD	+0.17%	+4.19%	-4.02	2 / 2
2018	+5.51%	+5.09%	+0.42	1 / 2
2017	+6.50%	+5.76%	+0.75	1 / 2
2016	+10.73%	+10.87%	-0.14	2 / 2
2015	+9.44%	+7.32%	+2.12	1 / 2
2014	+11.92%	+11.92%	+0.00	1 / 1
2013	+10.19%	+10.19%	+0.00	1 / 1
2012	+11.00%	+11.00%	+0.00	1 / 1
2011	+9.39%	+9.39%	+0.00	1 / 1
2010	+6.05%	+6.05%	+0.00	1 / 1
2009	—	—	—	—

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

+8.82%

111 windows

min 1.9% · max 13.1%

100% positive

3-Year rolling

+9.68%

86 windows

min 6.3% · max 11.6%

100% positive

5-Year rolling

+9.85%

62 windows

min 8.1% · max 10.9%

100% positive

7-Year rolling

+9.66%

38 windows

min 8.8% · max 10.2%

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

2.24%

3-year · annualised

Sharpe ratio

0.07

vs risk-free 6.5%

Sortino ratio

0.16

Downside-only deviation

Max drawdown

-1.76%

Jan 2019 → Feb 2019

% positive months

88.9%

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.

Peers in Medium Duration Fund

Scheme	Fund house	NAV	As of
HDFC High Interest Fund - Short Term Plan-Dividend Option	HDFC	₹10.1086	3 Jun 2026
Nippon India Medium Duration Fund - Segregated Portfolio 2 - Bonus Option	Nippon India	₹0.0000	3 Jun 2026
SBI Magnum Income Plus Fund - Investment Plan (D)	SBI	₹20.7048	3 Jun 2026
ICICI Prudential Long Term Floating Rate Plan-Plan A-Growth	ICICI Prudential	₹47.3245	3 Jun 2026
Invesco India Medium Duration Fund - Direct Plan - Discretionary IDCW (Payout/Reinvestment)	Invesco	₹1,326.0991	3 Jun 2026
Bandhan Medium Duration Fund - Direct Plan - Bi Monthly IDCW	Bandhan	₹10.5750	3 Jun 2026
Aditya Birla Sun Life Medium Term Plan - DIRECT - HALF YEARLY IDCW	Aditya Birla Sun Life	₹14.7184	3 Jun 2026
Kotak Medium Term Fund - Direct - Standard Income Distribution cum capital withdrawal option	Kotak	₹26.7908	3 Jun 2026
DSP BlackRock Bond Fund - Retail Plan-Dividend	DSP BlackRock	₹11.4069	3 Jun 2026
DSP Bond Fund - Direct Plan - IDCW	DSP	₹11.5232	3 Jun 2026

Recent NAVs

Date	NAV
4 Apr 2019	₹22.1442
3 Apr 2019	₹22.1629
2 Apr 2019	₹22.1724
29 Mar 2019	₹22.1163
28 Mar 2019	₹22.0611
27 Mar 2019	₹22.0626
26 Mar 2019	₹22.0753
25 Mar 2019	₹22.0819
22 Mar 2019	₹22.0484
20 Mar 2019	₹22.0223

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 04 Apr 2019, the NAV of Birla Sun Life Medium Term Plan - Institutional - Growth Plan is ₹22.1442. It's a Medium Duration Fund from Birla Sun Life, run as a Institutional plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Birla Sun Life Medium Term Plan - Institutional - Growth Plan has NAV history starting from 26 Mar 2009, a track record of about 17 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 Medium Term Plan - Institutional - Growth Plan is managed by Birla Sun Life. It's classified by AMFI under the 'Medium Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Medium Term Plan - Institutional - Growth Plan has delivered a absolute return of 3.69% — -1.32 pp behind the Medium Duration Fund category average of 5.01%. The fund ranks #2 of 2 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Birla Sun Life Medium Term Plan - Institutional - Growth Plan has delivered a CAGR of 6.84% — +1.33 pp ahead of the Medium Duration Fund category average of 5.51%. The fund ranks #1 of 2 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Birla Sun Life Medium Term Plan - Institutional - Growth Plan has delivered a CAGR of 8.43% — +2.21 pp ahead of the Medium Duration Fund category average of 6.22%. The fund ranks #1 of 2 in its category — the second (Q2) quartile.

₹1 lakh invested in Birla Sun Life Medium Term Plan - Institutional - Growth Plan exactly 10 years ago would be worth approximately ₹220,902 today — a multiplier of 2.21×, based on the 10-year CAGR of 8.25%. The category average over the same window would have grown ₹1 lakh to ₹194,342.

A ₹10,000 monthly SIP in Birla Sun Life Medium Term Plan - Institutional - Growth Plan over the last 5 years — total invested ₹600,000 — would be worth ₹715,578 today. That's an XIRR (money-weighted annualised return) of 6.98%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Medium Term Plan - Institutional - Growth Plan = ₹1,200,000 invested. It would currently be worth ₹1,861,453 (multiplier 1.55×). XIRR: 8.50%. 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 Medium Term Plan - Institutional - Growth Plan ranks #1 out of 2 funds in the Medium Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 6.22%; this fund delivered 8.43%.

The worst peak-to-trough decline Birla Sun Life Medium Term Plan - Institutional - Growth Plan has experienced over the last 5-year window is 1.76% — its NAV fell from a high on 15 Jan 2019 to a low on 12 Feb 2019. 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 Medium Term Plan - Institutional - Growth Plan averaged 9.85% (best 10.90%, worst 8.12%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.82 — reasonable risk-adjusted performance.

In calendar year 2018, Birla Sun Life Medium Term Plan - Institutional - Growth Plan returned 5.51% — beating the Medium Duration Fund category average of 5.09% by 0.42 pp. It ranked #1 of 2 in its category that year.

Birla Sun Life Medium Term Plan - Institutional - Growth Plan 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 Medium Term Plan - Institutional - Growth Plan 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: 1.8%. 5-year CAGR: 8.43%.

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

Birla Sun Life Medium Term Plan - Institutional - Growth Plan

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Medium Duration Fund

Recent NAVs

Frequently asked questions

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