Should I invest in Birla Sun Life Relief 96?

We don't give personal investment advice. Birla Sun Life Relief 96 - Growth Option is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 18.5%. 5-year CAGR: 8.32%.

Birla Sun Life

Birla Sun Life Relief 96 - Growth Option

Latest NAV

₹59.2000

As of

3 Jun 2026

4,480 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	+0.37%	-2.11%	+2.48	17 / 90	Q1
1W	-1.13%	-4.12%	+2.99	39 / 87	Q2
2W	+0.35%	-3.75%	+4.10	23 / 87	Q2
1M	-1.67%	-5.60%	+3.93	47 / 87	Q3
3M	-0.83%	-5.40%	+4.56	34 / 87	Q2
6M	-5.03%	-3.98%	-1.05	44 / 89	Q2
YTD	-5.00%	-5.20%	+0.20	36 / 89	Q2
1Y	+0.56%	+1.41%	-0.85	36 / 87	Q2
2Y	+3.57%	-0.15%	+3.72	25 / 86	Q2
3Y	+13.03%	+6.12%	+6.91	31 / 81	Q2
4Y	+11.50%	+7.91%	+3.60	43 / 78	Q3
5Y	+8.32%	+6.94%	+1.38	52 / 77	Q3
7Y	+9.35%	+8.75%	+0.60	44 / 75	Q3
10Y	+10.40%	+8.10%	+2.29	34 / 69	Q2
Inception	+10.34%	+5.86%	+4.49	33 / 91	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
2026 YTD	-5.00%	-7.12%	+2.12	12 / 47
2025	+9.29%	+1.54%	+7.75	2 / 47
2024	+16.07%	+18.17%	-2.10	29 / 47
2023	+18.72%	+23.46%	-4.74	40 / 49
2022	-1.43%	+0.75%	-2.18	34 / 52
2021	+12.20%	+28.91%	-16.70	52 / 54
2020	+15.07%	+11.40%	+3.66	20 / 56
2019	+4.44%	+2.03%	+2.41	27 / 59
2018	-4.04%	-9.68%	+5.64	17 / 61
2017	+42.35%	+29.95%	+12.40	6 / 65
2016	+3.05%	-0.31%	+3.36	23 / 70

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

+15.88%

210 windows

min -43.0% · max 113.1%

77% positive

3-Year rolling

+12.86%

186 windows

min -3.7% · max 32.0%

96% positive

5-Year rolling

+13.18%

162 windows

min 1.5% · max 24.3%

100% positive

7-Year rolling

+13.30%

137 windows

min 7.6% · max 23.7%

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

12.81%

3-year · annualised

Sharpe ratio

0.52

vs risk-free 6.5%

Sortino ratio

0.82

Downside-only deviation

Max drawdown

-18.50%

Sep 2024 → Feb 2025

% positive months

69.4%

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 ELSS

Scheme	Fund house	NAV	As of
HDFC TaxSaver-Dividend Plan	HDFC	₹63.5390	3 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹19.9775	3 Jun 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹85.4857	3 Jun 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹27.4000	3 Jun 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹121.5100	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹29.6508	3 Jun 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹57.8774	3 Jun 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹41.1340	3 Jun 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹29.5000	3 Jun 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹21.1600	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹59.2000
2 Jun 2026	₹59.4800
1 Jun 2026	₹59.2600
29 May 2026	₹59.6900
27 May 2026	₹60.4200
26 May 2026	₹60.1600
25 May 2026	₹60.2700
22 May 2026	₹59.5200
21 May 2026	₹59.3200
20 May 2026	₹59.4100

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 Relief 96 - Growth Option is ₹59.2000. It's a ELSS 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 Relief 96 - Growth Option has NAV history starting from 10 Mar 2008, a track record of about 18 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 Relief 96 - Growth Option is managed by Birla Sun Life. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Relief 96 - Growth Option has delivered a absolute return of 0.56% — -0.85 pp behind the ELSS category average of 1.41%. The fund ranks #36 of 87 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Birla Sun Life Relief 96 - Growth Option has delivered a CAGR of 13.03% — +6.91 pp ahead of the ELSS category average of 6.12%. The fund ranks #31 of 81 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Birla Sun Life Relief 96 - Growth Option has delivered a CAGR of 8.32% — +1.38 pp ahead of the ELSS category average of 6.94%. The fund ranks #52 of 77 in its category — the third (Q3) quartile.

₹1 lakh invested in Birla Sun Life Relief 96 - Growth Option exactly 10 years ago would be worth approximately ₹268,896 today — a multiplier of 2.69×, based on the 10-year CAGR of 10.40%. The category average over the same window would have grown ₹1 lakh to ₹217,976.

A ₹10,000 monthly SIP in Birla Sun Life Relief 96 - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹749,048 today. That's an XIRR (money-weighted annualised return) of 8.80%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Relief 96 - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,967,670 (multiplier 1.64×). XIRR: 9.55%. 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 Relief 96 - Growth Option ranks #52 out of 77 funds in the ELSS category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 6.94%; this fund delivered 8.32%.

The worst peak-to-trough decline Birla Sun Life Relief 96 - Growth Option has experienced over the last 5-year window is 18.51% — its NAV fell from a high on 15 Nov 2021 to a low on 20 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 Relief 96 - Growth Option averaged 13.18% (best 24.33%, worst 1.48%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.19 — weak risk-adjusted performance.

In calendar year 2025, Birla Sun Life Relief 96 - Growth Option returned 9.29% — beating the ELSS category average of 1.54% by 7.75 pp. It ranked #2 of 47 in its category that year.

Birla Sun Life Relief 96 - Growth Option is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. Birla Sun Life Relief 96 - Growth Option is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 18.5%. 5-year CAGR: 8.32%.

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