Should I invest in Birla Sun Life MIP II - Wealth 25 Plan-Plan B (Growth)?

We don't give personal investment advice. Birla Sun Life MIP II - Wealth 25 Plan-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: 16.0%. 5-year CAGR: 7.92%.

Birla Sun Life

Birla Sun Life MIP II - Wealth 25 Plan-Plan B (Growth)

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	-0.14%	-9.99%	+9.85	779 / 1129	Q3
1W	-0.06%	-13.04%	+12.98	429 / 1151	Q2
2W	+0.25%	-13.18%	+13.43	173 / 1149	Q1
1M	-0.79%	-13.26%	+12.47	552 / 1137	Q2
3M	-2.97%	-13.15%	+10.18	843 / 1116	Q4
6M	+1.80%	-15.45%	+17.25	354 / 906	Q2
YTD	-2.45%	-15.77%	+13.32	656 / 952	Q3
1Y	+7.46%	-13.09%	+20.54	224 / 820	Q2
2Y	+6.63%	-12.72%	+19.35	104 / 446	Q1
3Y	+6.32%	-11.01%	+17.32	92 / 385	Q1
4Y	+10.20%	-6.52%	+16.71	5 / 339	Q1
5Y	+7.92%	-7.36%	+15.28	60 / 314	Q1
7Y	+6.96%	+2.53%	+4.43	72 / 234	Q2
10Y	—	—	—	—	—
Inception	+6.97%	-13.63%	+20.61	279 / 1199	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
2013 YTD	-2.45%	-1.95%	-0.50	239 / 276
2012	+16.71%	+1.38%	+15.33	3 / 295
2011	-0.64%	-3.16%	+2.52	237 / 317
2010	+7.57%	-5.78%	+13.36	16 / 377
2009	+20.32%	-12.86%	+33.17	16 / 713
2008	-12.31%	-2.02%	-10.29	349 / 380
2007	+15.55%	+4.84%	+10.71	11 / 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

+7.59%

74 windows

min -19.0% · max 34.7%

86% positive

3-Year rolling

+8.09%

49 windows

min 4.5% · max 14.0%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+6.83%

25 windows

min 5.9% · max 8.2%

100% positive

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

7-Year rolling

+6.96%

1 window

min 7.0% · max 7.0%

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

5.54%

3-year · annualised

Sharpe ratio

-0.04

vs risk-free 6.5%

Sortino ratio

-0.08

Downside-only deviation

Max drawdown

-4.46%

Nov 2010 → Feb 2011

% positive months

52.8%

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 Apr 2013	₹20.4224
4 Apr 2013	₹20.4510
3 Apr 2013	₹20.5702
2 Apr 2013	₹20.5781
28 Mar 2013	₹20.4349
26 Mar 2013	₹20.3377
25 Mar 2013	₹20.3328
22 Mar 2013	₹20.3722
21 Mar 2013	₹20.4116
20 Mar 2013	₹20.4359

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 MIP II - Wealth 25 Plan-Plan B (Growth) 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 MIP II - Wealth 25 Plan-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 MIP II - Wealth 25 Plan-Plan B (Growth) 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 MIP II - Wealth 25 Plan-Plan B (Growth) has delivered a absolute return of 7.46% — +20.54 pp ahead of the Income category average of -13.09%. The fund ranks #224 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Birla Sun Life MIP II - Wealth 25 Plan-Plan B (Growth) has delivered a CAGR of 6.32% — +17.32 pp ahead of the Income category average of -11.01%. The fund ranks #92 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Birla Sun Life MIP II - Wealth 25 Plan-Plan B (Growth) has delivered a CAGR of 7.92% — +15.28 pp ahead of the Income category average of -7.36%. The fund ranks #60 of 314 in its category — the top (Q1) quartile.

₹1 lakh invested in Birla Sun Life MIP II - Wealth 25 Plan-Plan B (Growth) exactly 5 years ago would be worth approximately ₹146,397 today — a multiplier of 1.46×, based on the 5-year CAGR of 7.92%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in Birla Sun Life MIP II - Wealth 25 Plan-Plan B (Growth) over the last 5 years — total invested ₹600,000 — would be worth ₹737,371 today. That's an XIRR (money-weighted annualised return) of 8.17%.

Birla Sun Life MIP II - Wealth 25 Plan-Plan B (Growth) doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,096,185 — XIRR 7.48%.

On a 5-year basis, Birla Sun Life MIP II - Wealth 25 Plan-Plan B (Growth) ranks #60 out of 314 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -7.36%; this fund delivered 7.92%.

The worst peak-to-trough decline Birla Sun Life MIP II - Wealth 25 Plan-Plan B (Growth) has experienced over the last 5-year window is 15.96% — its NAV fell from a high on 05 May 2008 to a low on 27 Oct 2008. 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 MIP II - Wealth 25 Plan-Plan B (Growth) averaged 6.83% (best 8.19%, worst 5.94%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.18 — weak risk-adjusted performance.

In calendar year 2012, Birla Sun Life MIP II - Wealth 25 Plan-Plan B (Growth) returned 16.71% — beating the Income category average of 1.38% by 15.33 pp. It ranked #3 of 295 in its category that year.

Birla Sun Life MIP II - Wealth 25 Plan-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 MIP II - Wealth 25 Plan-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: 16.0%. 5-year CAGR: 7.92%.

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

Birla Sun Life MIP II - Wealth 25 Plan-Plan B (Growth)

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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