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

We don't give personal investment advice. Birla Sun Life Short Term 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: 1.9%. 5-year CAGR: 9.04%.

Birla Sun Life

Birla Sun Life Short Term 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).

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	-0.05%	-9.99%	+9.94	761 / 1129	Q3
1W	+0.22%	-13.04%	+13.26	123 / 1151	Q1
2W	+0.50%	-13.18%	+13.68	87 / 1149	Q1
1M	+0.58%	-13.26%	+13.84	152 / 1137	Q1
3M	+0.78%	-13.15%	+13.92	310 / 1116	Q2
6M	+1.91%	-15.45%	+17.36	351 / 906	Q2
YTD	+1.85%	-15.77%	+17.62	259 / 952	Q2
1Y	+4.17%	-13.09%	+17.26	344 / 820	Q2
2Y	+7.40%	-12.72%	+20.12	85 / 446	Q1
3Y	+8.06%	-11.01%	+19.07	44 / 385	Q1
4Y	+8.72%	-6.52%	+15.24	29 / 339	Q1
5Y	+9.04%	-7.36%	+16.41	18 / 314	Q1
7Y	+9.08%	+2.53%	+6.55	8 / 234	Q1
10Y	—	—	—	—	—
Inception	+8.36%	-13.63%	+22.00	166 / 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	+1.85%	+1.30%	+0.55	23 / 90
2017	+4.88%	+1.63%	+3.25	30 / 137
2016	+12.27%	+3.02%	+9.25	3 / 181
2015	+8.56%	+2.22%	+6.34	17 / 216
2014	+12.23%	+5.51%	+6.72	31 / 240
2013	+8.93%	-1.95%	+10.88	22 / 276
2012	+9.18%	+1.38%	+7.80	101 / 295
2011	+8.98%	-3.16%	+12.15	61 / 317
2010	+5.41%	-5.78%	+11.19	57 / 377
2009	—	—	—	—

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

+8.90%

98 windows

min 4.2% · max 14.1%

100% positive

3-Year rolling

+9.42%

74 windows

min 7.1% · max 11.7%

100% positive

5-Year rolling

+9.52%

49 windows

min 8.1% · max 10.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+9.33%

25 windows

min 8.7% · max 9.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

2.37%

3-year · annualised

Sharpe ratio

0.55

vs risk-free 6.5%

Sortino ratio

1.66

Downside-only deviation

Max drawdown

-1.93%

Nov 2016 → Mar 2017

% positive months

86.1%

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
21 Jun 2018	₹206.0699
20 Jun 2018	₹206.1727
19 Jun 2018	₹206.0526
18 Jun 2018	₹205.9767
15 Jun 2018	₹205.7570
14 Jun 2018	₹205.6209
13 Jun 2018	₹205.4839
12 Jun 2018	₹205.3315
11 Jun 2018	₹205.2920
8 Jun 2018	₹205.2226

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 Short Term Fund- Discipline Advantage Plan 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 Short Term Fund- Discipline Advantage Plan has NAV history starting from 23 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 Short Term Fund- Discipline Advantage Plan 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 Short Term Fund- Discipline Advantage Plan has delivered a absolute return of 4.17% — +17.26 pp ahead of the Income category average of -13.09%. The fund ranks #344 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Birla Sun Life Short Term Fund- Discipline Advantage Plan has delivered a CAGR of 8.06% — +19.07 pp ahead of the Income category average of -11.01%. The fund ranks #44 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Birla Sun Life Short Term Fund- Discipline Advantage Plan has delivered a CAGR of 9.04% — +16.41 pp ahead of the Income category average of -7.36%. The fund ranks #18 of 314 in its category — the top (Q1) quartile.

₹1 lakh invested in Birla Sun Life Short Term Fund- Discipline Advantage Plan exactly 5 years ago would be worth approximately ₹154,172 today — a multiplier of 1.54×, based on the 5-year CAGR of 9.04%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in Birla Sun Life Short Term Fund- Discipline Advantage Plan over the last 5 years — total invested ₹600,000 — would be worth ₹736,340 today. That's an XIRR (money-weighted annualised return) of 8.12%.

Birla Sun Life Short Term Fund- Discipline Advantage Plan doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,141,830 — XIRR 8.62%.

On a 5-year basis, Birla Sun Life Short Term Fund- Discipline Advantage Plan ranks #18 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 9.04%.

The worst peak-to-trough decline Birla Sun Life Short Term Fund- Discipline Advantage Plan has experienced over the last 5-year window is 1.93% — its NAV fell from a high on 24 Nov 2016 to a low on 10 Mar 2017. 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 Short Term Fund- Discipline Advantage Plan averaged 9.52% (best 10.66%, worst 8.06%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 1.09 — strong risk-adjusted performance.

In calendar year 2017, Birla Sun Life Short Term Fund- Discipline Advantage Plan returned 4.88% — beating the Income category average of 1.63% by 3.25 pp. It ranked #30 of 137 in its category that year.

Birla Sun Life Short Term 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 Short Term 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: 1.9%. 5-year CAGR: 9.04%.

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

Birla Sun Life Short Term Fund- Discipline Advantage Plan

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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