Should I invest in Birla Sun Life Monthly Income-Plan B(Growth)?

We don't give personal investment advice. Birla Sun Life Monthly Income-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: 7.1%. 5-year CAGR: 8.99%.

Birla Sun Life

Birla Sun Life Monthly Income-Plan B(Growth)

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	-0.02%	-9.99%	+9.97	740 / 1129	Q3
1W	+0.04%	-13.04%	+13.08	332 / 1151	Q2
2W	+0.02%	-13.18%	+13.20	341 / 1149	Q2
1M	-0.23%	-13.26%	+13.03	452 / 1137	Q2
3M	+0.39%	-13.15%	+13.54	356 / 1116	Q2
6M	+1.49%	-15.45%	+16.94	383 / 906	Q2
YTD	+1.09%	-15.77%	+16.87	323 / 952	Q2
1Y	+5.46%	-13.09%	+18.55	303 / 820	Q2
2Y	+8.42%	-12.72%	+21.14	54 / 446	Q1
3Y	+7.98%	-11.01%	+18.99	50 / 385	Q1
4Y	+9.39%	-6.52%	+15.91	12 / 339	Q1
5Y	+8.99%	-7.36%	+16.36	21 / 314	Q1
7Y	+8.91%	+2.53%	+6.38	11 / 234	Q1
10Y	+9.13%	+3.14%	+5.99	3 / 101	Q1
Inception	+8.96%	-13.63%	+22.60	151 / 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
2018 YTD	+1.09%	+1.30%	-0.21	46 / 90
2017	+7.23%	+1.63%	+5.60	10 / 137
2016	+10.31%	+3.02%	+7.28	15 / 181
2015	+5.58%	+2.22%	+3.36	78 / 216
2014	+19.29%	+5.51%	+13.78	5 / 240
2013	+4.20%	-1.95%	+6.15	97 / 276
2012	+11.26%	+1.38%	+9.88	22 / 295
2011	+3.32%	-3.16%	+6.48	99 / 317
2010	+7.75%	-5.78%	+13.53	13 / 377
2009	+17.10%	-12.86%	+29.96	32 / 713
2008	-2.93%	-2.02%	-0.91	273 / 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

+9.46%

137 windows

min -7.0% · max 27.6%

95% positive

3-Year rolling

+9.43%

112 windows

min 5.4% · max 13.2%

100% positive

5-Year rolling

+9.09%

88 windows

min 7.3% · max 10.6%

100% positive

7-Year rolling

+9.08%

64 windows

min 8.0% · max 11.1%

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

3.56%

3-year · annualised

Sharpe ratio

0.28

vs risk-free 6.5%

Sortino ratio

0.62

Downside-only deviation

Max drawdown

-3.53%

Dec 2016 → Dec 2016

% positive months

75.0%

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	₹66.8072
31 May 2018	₹66.8209
30 May 2018	₹66.8744
29 May 2018	₹66.9750
28 May 2018	₹66.8613
25 May 2018	₹66.7807
24 May 2018	₹66.7041
23 May 2018	₹66.7032
22 May 2018	₹66.7139
21 May 2018	₹66.6913

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 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 Monthly Income-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 Monthly Income-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 Monthly Income-Plan B(Growth) has delivered a absolute return of 5.46% — +18.55 pp ahead of the Income category average of -13.09%. The fund ranks #303 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Birla Sun Life Monthly Income-Plan B(Growth) has delivered a CAGR of 7.98% — +18.99 pp ahead of the Income category average of -11.01%. The fund ranks #50 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Birla Sun Life Monthly Income-Plan B(Growth) has delivered a CAGR of 8.99% — +16.36 pp ahead of the Income category average of -7.36%. The fund ranks #21 of 314 in its category — the top (Q1) quartile.

₹1 lakh invested in Birla Sun Life Monthly Income-Plan B(Growth) exactly 10 years ago would be worth approximately ₹239,610 today — a multiplier of 2.40×, based on the 10-year CAGR of 9.13%. 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 B(Growth) over the last 5 years — total invested ₹600,000 — would be worth ₹746,016 today. That's an XIRR (money-weighted annualised return) of 8.64%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Monthly Income-Plan B(Growth) = ₹1,200,000 invested. It would currently be worth ₹1,908,650 (multiplier 1.59×). XIRR: 8.97%. 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 B(Growth) ranks #21 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 8.99%.

The worst peak-to-trough decline Birla Sun Life Monthly Income-Plan B(Growth) has experienced over the last 5-year window is 7.05% — 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 B(Growth) averaged 9.09% (best 10.60%, worst 7.26%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.55 — reasonable risk-adjusted performance.

In calendar year 2017, Birla Sun Life Monthly Income-Plan B(Growth) returned 7.23% — beating the Income category average of 1.63% by 5.60 pp. It ranked #10 of 137 in its category that year.

Birla Sun Life Monthly Income-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 Monthly Income-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: 7.1%. 5-year CAGR: 8.99%.

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

Birla Sun Life Monthly Income-Plan B(Growth)

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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