Birla Sun Life

Birla Sun Life Savings Fund-Insititutional Plan - Monthly Dividend

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%	+10.01	143 / 1129	Q1
1W	+0.16%	-13.04%	+13.20	168 / 1151	Q1
2W	-0.28%	-13.18%	+12.91	445 / 1149	Q2
1M	+0.08%	-13.26%	+13.34	333 / 1137	Q2
3M	+0.15%	-13.15%	+13.30	373 / 1116	Q2
6M	+0.33%	-15.45%	+15.78	422 / 906	Q2
YTD	-0.30%	-15.77%	+15.47	492 / 952	Q3
1Y	+0.76%	-13.09%	+13.85	400 / 820	Q2
2Y	+0.76%	-12.72%	+13.48	227 / 446	Q3
3Y	+0.75%	-11.01%	+11.76	199 / 385	Q3
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.83%	-13.63%	+14.46	424 / 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
2011 YTD	-0.30%	-3.16%	+2.86	229 / 317
2010	+1.24%	-5.78%	+7.03	171 / 377
2009	+0.78%	-12.86%	+13.64	327 / 713
2008	+0.88%	-2.02%	+2.90	162 / 380
2007	—	—	—	—

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

+0.78%

33 windows

min 0.6% · max 1.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+0.79%

9 windows

min 0.7% · max 0.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

0.23%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-2.17%

Jul 2009 → Aug 2009

% 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
11 Feb 2011	₹10.3099
10 Feb 2011	₹10.3076
9 Feb 2011	₹10.3053
8 Feb 2011	₹10.3029
7 Feb 2011	₹10.3006
4 Feb 2011	₹10.2938
3 Feb 2011	₹10.2916
2 Feb 2011	₹10.2893
1 Feb 2011	₹10.2870
31 Jan 2011	₹10.2847

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 Savings Fund-Insititutional Plan - Monthly 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 Savings Fund-Insititutional Plan - Monthly Dividend has NAV history starting from 08 Jun 2007, a track record of about 19 years. 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-Insititutional Plan - Monthly 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 Savings Fund-Insititutional Plan - Monthly Dividend has delivered a absolute return of 0.76% — +13.85 pp ahead of the Income category average of -13.09%. The fund ranks #400 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Birla Sun Life Savings Fund-Insititutional Plan - Monthly Dividend has delivered a CAGR of 0.75% — +11.76 pp ahead of the Income category average of -11.01%. The fund ranks #199 of 385 in its category — the third (Q3) quartile.

Birla Sun Life Savings Fund-Insititutional Plan - Monthly Dividend doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in Birla Sun Life Savings Fund-Insititutional Plan - Monthly Dividend exactly 3 years ago would be worth approximately ₹102,256 today — a multiplier of 1.02×, based on the 3-year CAGR of 0.75%. The category average over the same window would have grown ₹1 lakh to ₹70,476.

A ₹10,000 monthly SIP in Birla Sun Life Savings Fund-Insititutional Plan - Monthly Dividend over the last 3 years — total invested ₹360,000 — would be worth ₹364,254 today. That's an XIRR (money-weighted annualised return) of 0.76%.

Birla Sun Life Savings Fund-Insititutional Plan - Monthly Dividend doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹364,254 — XIRR 0.76%.

On a 3-year basis, Birla Sun Life Savings Fund-Insititutional Plan - Monthly Dividend ranks #199 out of 385 funds in the Income category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -11.01%; this fund delivered 0.75%.

The worst peak-to-trough decline Birla Sun Life Savings Fund-Insititutional Plan - Monthly Dividend has experienced over the last 3-year window is 2.17% — its NAV fell from a high on 31 Jul 2009 to a low on 28 Aug 2009. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, Birla Sun Life Savings Fund-Insititutional Plan - Monthly Dividend averaged 0.79% (best 0.87%, worst 0.75%). 100% of rolling windows ended positive.

In calendar year 2010, Birla Sun Life Savings Fund-Insititutional Plan - Monthly Dividend returned 1.24% — beating the Income category average of -5.78% by 7.03 pp. It ranked #171 of 377 in its category that year.

Birla Sun Life Savings Fund-Insititutional Plan - Monthly 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 Savings Fund-Insititutional Plan - Monthly 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.

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