Should I invest in Birla Sun Life Monthly Income-Plan A(Dividend)?

We don't give personal investment advice. Birla Sun Life Monthly Income-Plan A(Dividend) 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: 8.3%. 5-year CAGR: 1.66%.

Birla Sun Life

Birla Sun Life Monthly Income-Plan A(Dividend)

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	-0.63%	-9.99%	+9.36	818 / 1129	Q3
1W	-0.57%	-13.04%	+12.47	516 / 1151	Q2
2W	-0.59%	-13.18%	+12.59	520 / 1149	Q2
1M	-0.84%	-13.26%	+12.42	559 / 1137	Q2
3M	-1.26%	-13.15%	+11.88	774 / 1116	Q3
6M	-2.38%	-15.45%	+13.08	615 / 906	Q3
YTD	-1.68%	-15.77%	+14.10	627 / 952	Q3
1Y	-1.47%	-13.09%	+11.61	601 / 820	Q3
2Y	+1.20%	-12.72%	+13.92	212 / 446	Q2
3Y	+0.75%	-11.01%	+11.76	198 / 385	Q3
4Y	+2.07%	-6.52%	+8.59	134 / 339	Q2
5Y	+1.66%	-7.36%	+9.02	138 / 314	Q2
7Y	+1.61%	+2.53%	-0.92	121 / 234	Q3
10Y	+2.08%	+3.14%	-1.06	48 / 101	Q2
Inception	+1.33%	-13.63%	+14.96	392 / 1199	Q2

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
2018 YTD	-1.68%	+1.30%	-2.97	80 / 90
2017	+0.05%	+1.63%	-1.58	85 / 137
2016	+3.51%	+3.02%	+0.48	66 / 181
2015	-0.95%	+2.22%	-3.17	199 / 216
2014	+12.01%	+5.51%	+6.50	35 / 240
2013	-2.68%	-1.95%	-0.73	245 / 276
2012	+4.46%	+1.38%	+3.08	146 / 295
2011	-2.89%	-3.16%	+0.28	269 / 317
2010	+1.81%	-5.78%	+7.59	150 / 377
2009	+7.08%	-12.86%	+19.93	152 / 713
2008	-6.64%	-2.02%	-4.62	307 / 380

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

+1.81%

137 windows

min -13.2% · max 17.3%

64% positive

3-Year rolling

+1.97%

112 windows

min -1.5% · max 5.6%

91% positive

5-Year rolling

+1.72%

88 windows

min 0.4% · max 3.2%

100% positive

7-Year rolling

+1.70%

64 windows

min 0.2% · max 3.7%

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

3.77%

3-year · annualised

Sharpe ratio

-1.58

vs risk-free 6.5%

Sortino ratio

-2.29

Downside-only deviation

Max drawdown

-5.93%

Aug 2015 → Feb 2016

% 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
1 Jun 2018	₹12.5461
31 May 2018	₹12.6253
30 May 2018	₹12.6354
29 May 2018	₹12.6544
28 May 2018	₹12.6329
25 May 2018	₹12.6177
24 May 2018	₹12.6032
23 May 2018	₹12.6031
22 May 2018	₹12.6051
21 May 2018	₹12.6008

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 Monthly Income-Plan A(Dividend) 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 Monthly Income-Plan A(Dividend) 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 Monthly Income-Plan A(Dividend) 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 Monthly Income-Plan A(Dividend) has delivered a absolute return of -1.47% — +11.61 pp ahead of the Income category average of -13.09%. The fund ranks #601 of 820 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Birla Sun Life Monthly Income-Plan A(Dividend) has delivered a CAGR of 0.75% — +11.76 pp ahead of the Income category average of -11.01%. The fund ranks #198 of 385 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Birla Sun Life Monthly Income-Plan A(Dividend) has delivered a CAGR of 1.66% — +9.02 pp ahead of the Income category average of -7.36%. The fund ranks #138 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in Birla Sun Life Monthly Income-Plan A(Dividend) exactly 10 years ago would be worth approximately ₹122,835 today — a multiplier of 1.23×, based on the 10-year CAGR of 2.08%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in Birla Sun Life Monthly Income-Plan A(Dividend) over the last 5 years — total invested ₹600,000 — would be worth ₹619,075 today. That's an XIRR (money-weighted annualised return) of 1.23%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Monthly Income-Plan A(Dividend) = ₹1,200,000 invested. It would currently be worth ₹1,302,773 (multiplier 1.09×). XIRR: 1.62%. 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 Monthly Income-Plan A(Dividend) ranks #138 out of 314 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -7.36%; this fund delivered 1.66%.

The worst peak-to-trough decline Birla Sun Life Monthly Income-Plan A(Dividend) has experienced over the last 5-year window is 8.31% — its NAV fell from a high on 05 Jun 2013 to a low on 19 Aug 2013. 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 Monthly Income-Plan A(Dividend) averaged 1.72% (best 3.23%, worst 0.36%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.15 — negative risk-adjusted performance.

In calendar year 2017, Birla Sun Life Monthly Income-Plan A(Dividend) returned 0.05% — lagging the Income category average of 1.63% by 1.58 pp. It ranked #85 of 137 in its category that year.

Birla Sun Life Monthly Income-Plan A(Dividend) 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 Monthly Income-Plan A(Dividend) 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: 8.3%. 5-year CAGR: 1.66%.

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