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

We don't give personal investment advice. Birla Sun Life MIP II - Wealth 25 Plan-Plan C (Payment) is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.0%. 5-year CAGR: 7.77%.

Birla Sun Life

Birla Sun Life MIP II - Wealth 25 Plan-Plan C (Payment)

Latest NAV

₹68.6124

As of

3 Jun 2026

4,877 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	+0.05%	+13.59%	-13.55	24 / 35	Q3
1W	-0.17%	+7.13%	-7.30	13 / 37	Q2
2W	+0.35%	+7.53%	-7.18	6 / 37	Q1
1M	-0.07%	+3.17%	-3.25	14 / 37	Q2
3M	-0.31%	+8.34%	-8.65	12 / 35	Q2
6M	+0.08%	-2.49%	+2.58	6 / 33	Q1
YTD	+0.21%	-7.68%	+7.89	7 / 35	Q1
1Y	+3.41%	-2.25%	+5.66	5 / 33	Q1
2Y	+6.49%	+1.30%	+5.19	2 / 33	Q1
3Y	+8.06%	+3.60%	+4.46	6 / 33	Q1
4Y	+8.16%	+3.95%	+4.21	8 / 33	Q1
5Y	+7.77%	+3.29%	+4.49	7 / 33	Q1
7Y	+8.13%	+3.60%	+4.53	5 / 33	Q1
10Y	+8.21%	+3.19%	+5.02	3 / 33	Q1
Inception	+8.71%	+13.32%	-4.61	5 / 35	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
2026 YTD	+0.21%	-2.08%	+2.29	7 / 33
2025	+7.08%	+1.83%	+5.25	3 / 33
2024	+10.46%	+6.68%	+3.78	10 / 33
2023	+9.40%	+6.65%	+2.75	13 / 33
2022	+5.33%	-0.18%	+5.51	2 / 33
2021	+13.22%	+0.64%	+12.58	5 / 35
2020	+9.10%	+5.49%	+3.60	14 / 33
2019	+5.74%	+2.15%	+3.59	9 / 33
2018	-2.05%	-3.43%	+1.39	13 / 33
2017	+14.12%	+4.29%	+9.83	1 / 33
2016	+12.77%	+4.98%	+7.79	1 / 33

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

+9.37%

234 windows

min -17.0% · max 33.2%

91% positive

3-Year rolling

+9.33%

210 windows

min -0.6% · max 18.3%

99% positive

5-Year rolling

+9.43%

185 windows

min 3.8% · max 14.9%

100% positive

7-Year rolling

+9.48%

161 windows

min 7.0% · max 13.6%

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

3.43%

3-year · annualised

Sharpe ratio

0.39

vs risk-free 6.5%

Sortino ratio

0.78

Downside-only deviation

Max drawdown

-3.09%

Feb 2026 → Mar 2026

% positive months

77.8%

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.

Peers in Conservative Hybrid Fund

Scheme	Fund house	NAV	As of
HDFC MF Monthly Income Plan-Long Term Plan-Growth Option	HDFC	₹81.9654	3 Jun 2026
NIPPON INDIA CONSERVATIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - MONTHLY IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Magnum Monthly Income Plan - Growth	SBI	₹75.0311	3 Jun 2026
ICICI Prudential Income Multiplier Fund-Dividend option	ICICI Prudential	₹13.7052	3 Jun 2026
FT India Monthly Income Plan-Growth	Franklin Templeton	₹90.6648	3 Jun 2026
Kotak Debt Hybrid - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹12.0806	3 Jun 2026
DSP BlackRock Savings Manager Fund - Aggressive - Growth	DSP BlackRock	₹59.7959	3 Jun 2026
HSBC MIP - Savings - Dividend - Quarterly	HSBC	₹16.9386	3 Jun 2026
Canara Robeco Cigo-Growth Plan	Canara Robeco	₹96.3840	3 Jun 2026
UTI - MIS-ADVANTAGE-FLEXI DIVIDEND	UTI	₹43.6903	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹68.6124
2 Jun 2026	₹68.6700
1 Jun 2026	₹68.6383
29 May 2026	₹68.7522
27 May 2026	₹68.8661
26 May 2026	₹68.7847
25 May 2026	₹68.7889
22 May 2026	₹68.5233
21 May 2026	₹68.4620
20 May 2026	₹68.4776

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 03 Jun 2026, the NAV of Birla Sun Life MIP II - Wealth 25 Plan-Plan C (Payment) is ₹68.6124. It's a Conservative Hybrid Fund from Birla Sun Life, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Birla Sun Life MIP II - Wealth 25 Plan-Plan C (Payment) 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 C (Payment) is managed by Birla Sun Life. It's classified by AMFI under the 'Conservative Hybrid Fund' 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 C (Payment) has delivered a absolute return of 3.41% — +5.66 pp ahead of the Conservative Hybrid Fund category average of -2.25%. The fund ranks #5 of 33 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Birla Sun Life MIP II - Wealth 25 Plan-Plan C (Payment) has delivered a CAGR of 8.06% — +4.46 pp ahead of the Conservative Hybrid Fund category average of 3.60%. The fund ranks #6 of 33 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Birla Sun Life MIP II - Wealth 25 Plan-Plan C (Payment) has delivered a CAGR of 7.77% — +4.49 pp ahead of the Conservative Hybrid Fund category average of 3.29%. The fund ranks #7 of 33 in its category — the top (Q1) quartile.

₹1 lakh invested in Birla Sun Life MIP II - Wealth 25 Plan-Plan C (Payment) exactly 10 years ago would be worth approximately ₹220,099 today — a multiplier of 2.20×, based on the 10-year CAGR of 8.21%. The category average over the same window would have grown ₹1 lakh to ₹136,926.

A ₹10,000 monthly SIP in Birla Sun Life MIP II - Wealth 25 Plan-Plan C (Payment) over the last 5 years — total invested ₹600,000 — would be worth ₹721,238 today. That's an XIRR (money-weighted annualised return) of 7.29%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life MIP II - Wealth 25 Plan-Plan C (Payment) = ₹1,200,000 invested. It would currently be worth ₹1,798,135 (multiplier 1.50×). XIRR: 7.84%. 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 MIP II - Wealth 25 Plan-Plan C (Payment) ranks #7 out of 33 funds in the Conservative Hybrid Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 3.29%; this fund delivered 7.77%.

The worst peak-to-trough decline Birla Sun Life MIP II - Wealth 25 Plan-Plan C (Payment) has experienced over the last 5-year window is 5.04% — its NAV fell from a high on 05 Apr 2022 to a low on 17 Jun 2022. 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 C (Payment) averaged 9.43% (best 14.86%, worst 3.81%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.31 — weak risk-adjusted performance.

In calendar year 2025, Birla Sun Life MIP II - Wealth 25 Plan-Plan C (Payment) returned 7.08% — beating the Conservative Hybrid Fund category average of 1.83% by 5.25 pp. It ranked #3 of 33 in its category that year.

Birla Sun Life MIP II - Wealth 25 Plan-Plan C (Payment) is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. Birla Sun Life MIP II - Wealth 25 Plan-Plan C (Payment) is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.0%. 5-year CAGR: 7.77%.

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