Should I invest in Birla Sun Life Savings Fund - Discipline Advantage Plan?

We don't give personal investment advice. Birla Sun Life Savings Fund - Discipline Advantage Plan 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: 0.3%. 5-year CAGR: 6.09%.

Birla Sun Life

Birla Sun Life Savings Fund - Discipline Advantage Plan

Unit split applied to historical metrics

This scheme had a 10× unit consolidation on 7 Oct 2011. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹330.9646

As of

3 Jun 2026

4,090 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	+0.02%	+0.01%	+0.01	21 / 41	Q3
1W	+0.18%	+0.13%	+0.05	17 / 41	Q2
2W	+0.10%	+0.13%	-0.03	19 / 40	Q2
1M	+0.17%	+0.20%	-0.04	18 / 40	Q2
3M	+1.18%	+0.76%	+0.42	15 / 41	Q2
6M	+2.40%	+1.24%	+1.16	15 / 41	Q2
YTD	+2.00%	+1.17%	+0.83	14 / 41	Q2
1Y	+5.57%	-6.85%	+12.43	11 / 45	Q1
2Y	+6.67%	-7.29%	+13.96	7 / 43	Q1
3Y	+6.90%	+1.84%	+5.07	3 / 36	Q1
4Y	+6.74%	+1.91%	+4.82	1 / 31	Q1
5Y	+6.09%	+1.84%	+4.26	3 / 30	Q1
7Y	+6.32%	+1.81%	+4.52	2 / 30	Q1
10Y	+6.86%	+2.19%	+4.67	1 / 20	Q1
Inception	+7.31%	-7.05%	+14.37	5 / 45	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	+2.00%	+0.64%	+1.36	8 / 28
2025	+6.87%	+2.08%	+4.79	3 / 28
2024	+7.59%	+2.04%	+5.55	1 / 29
2023	+7.24%	+2.06%	+5.18	1 / 29
2022	+4.51%	+1.21%	+3.31	1 / 31
2021	+3.81%	-10.85%	+14.66	3 / 34
2020	+7.18%	-0.52%	+7.70	1 / 35
2019	+8.95%	+1.34%	+7.60	2 / 35
2018	+7.85%	+2.74%	+5.11	2 / 27
2017	+7.07%	+2.51%	+4.55	1 / 26
2016	+9.17%	+3.00%	+6.17	2 / 18

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

+7.49%

195 windows

min 3.6% · max 10.1%

100% positive

3-Year rolling

+7.63%

170 windows

min 5.0% · max 9.6%

100% positive

5-Year rolling

+7.65%

146 windows

min 6.0% · max 9.2%

100% positive

7-Year rolling

+7.74%

122 windows

min 6.3% · max 8.7%

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

0.41%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.12%

May 2026 → May 2026

% positive months

100.0%

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.

Peers in Ultra Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Ultra Short Term Fund - Daily IDCW Option	HDFC	₹10.1030	3 Jun 2026
NIPPON INDIA ULTRA SHORT DURATION FUND - DAILY IDCW OPTION	Nippon India	₹1,114.1500	3 Jun 2026
MAGNUM INSTA CASH FUND - DAILY DIVIDEND	SBI	₹2,371.0627	3 Jun 2026
ICICI Prudential Ultra Short Term Fund - Daily IDCW	ICICI Prudential	₹10.0696	3 Jun 2026
Franklin India Ultra Short Duration Fund - IDCW	Franklin India	₹10.6803	3 Jun 2026
Kotak Floater Long-Term-Growth	Kotak Mahindra	₹45.1033	3 Jun 2026
UTI - FLOATING RATE STP - INSTN GROWTH OPTION	UTI	₹3,193.4301	3 Jun 2026
PGIM India Ultra Short Duration Fund - Daily Dividend	PGIM India	₹10.0203	3 Jun 2026
Birla Sun Life Savings Fund-Insititutional Plan- Daily Dividend	Birla Sun Life	₹100.0753	3 Jun 2026
Sundaram Ultra Short Duration Fund (Formerly Known as Principal Ultra Short Term Fund) - Income Distribution CUM Capital Withdrawal Option (IDCW)	Sundaram	₹1,066.5205	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹330.9646
2 Jun 2026	₹330.8744
1 Jun 2026	₹330.8050
29 May 2026	₹330.5621
27 May 2026	₹330.3123
26 May 2026	₹330.2880
25 May 2026	₹330.3053
22 May 2026	₹330.1943
21 May 2026	₹330.1596
20 May 2026	₹330.3609

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 Savings Fund - Discipline Advantage Plan is ₹330.9646. It's a Ultra Short Duration 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 Savings Fund - Discipline Advantage Plan has NAV history starting from 24 Jun 2009, a track record of about 16 years 11 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 Savings Fund - Discipline Advantage Plan is managed by Birla Sun Life. It's classified by AMFI under the 'Ultra Short Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Savings Fund - Discipline Advantage Plan has delivered a absolute return of 5.57% — +12.43 pp ahead of the Ultra Short Duration Fund category average of -6.85%. The fund ranks #11 of 45 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Birla Sun Life Savings Fund - Discipline Advantage Plan has delivered a CAGR of 6.90% — +5.07 pp ahead of the Ultra Short Duration Fund category average of 1.84%. The fund ranks #3 of 36 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Birla Sun Life Savings Fund - Discipline Advantage Plan has delivered a CAGR of 6.09% — +4.26 pp ahead of the Ultra Short Duration Fund category average of 1.84%. The fund ranks #3 of 30 in its category — the top (Q1) quartile.

₹1 lakh invested in Birla Sun Life Savings Fund - Discipline Advantage Plan exactly 10 years ago would be worth approximately ₹194,211 today — a multiplier of 1.94×, based on the 10-year CAGR of 6.86%. The category average over the same window would have grown ₹1 lakh to ₹124,194.

A ₹10,000 monthly SIP in Birla Sun Life Savings Fund - Discipline Advantage Plan over the last 5 years — total invested ₹600,000 — would be worth ₹708,037 today. That's an XIRR (money-weighted annualised return) of 6.55%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Savings Fund - Discipline Advantage Plan = ₹1,200,000 invested. It would currently be worth ₹1,676,941 (multiplier 1.40×). XIRR: 6.51%. 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 Savings Fund - Discipline Advantage Plan ranks #3 out of 30 funds in the Ultra Short Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 1.84%; this fund delivered 6.09%.

The worst peak-to-trough decline Birla Sun Life Savings Fund - Discipline Advantage Plan has experienced over the last 5-year window is 0.34% — its NAV fell from a high on 02 May 2022 to a low on 06 May 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 Savings Fund - Discipline Advantage Plan averaged 7.65% (best 9.24%, worst 5.97%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.06 — negative risk-adjusted performance.

In calendar year 2025, Birla Sun Life Savings Fund - Discipline Advantage Plan returned 6.87% — beating the Ultra Short Duration Fund category average of 2.08% by 4.79 pp. It ranked #3 of 28 in its category that year.

Birla Sun Life Savings Fund - Discipline Advantage Plan 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 Savings Fund - Discipline Advantage Plan 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: 0.3%. 5-year CAGR: 6.09%.

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

Birla Sun Life Savings Fund - Discipline Advantage Plan

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Ultra Short Duration Fund

Recent NAVs

Frequently asked questions

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