Should I invest in Birla Sun Life Short Term Fund - Daily Dividend?

We don't give personal investment advice. Birla Sun Life Short Term Fund- Institutional Plan - Daily Dividend is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 3.1%. 5-year CAGR: -0.09%.

Birla Sun Life

Birla Sun Life Short Term Fund- Institutional Plan - Daily Dividend

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

₹112.1213

As of

10 Jun 2026

4,268 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	+0.26%	+0.15%	+0.10	4 / 8	Q2
1W	+0.77%	+0.58%	+0.19	6 / 8	Q3
2W	+0.52%	+0.66%	-0.14	6 / 8	Q3
1M	+0.24%	+0.51%	-0.27	6 / 8	Q3
3M	-0.21%	-0.24%	+0.04	6 / 8	Q3
6M	-0.91%	-0.01%	-0.90	6 / 8	Q3
YTD	-0.61%	+0.08%	-0.69	7 / 8	Q4
1Y	-1.92%	-0.15%	-1.77	5 / 8	Q3
2Y	+0.56%	+1.45%	-0.89	3 / 8	Q2
3Y	+0.22%	+1.09%	-0.87	3 / 8	Q2
4Y	+0.41%	+1.36%	-0.94	3 / 8	Q2
5Y	-0.09%	+1.22%	-1.31	5 / 8	Q3
7Y	+0.73%	+1.86%	-1.13	4 / 8	Q2
10Y	+0.61%	+2.18%	-1.57	5 / 8	Q3
Inception	+0.64%	+2.46%	-1.82	5 / 8	Q3

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	-0.61%	+0.11%	-0.72	5 / 6
2025	+1.05%	+3.55%	-2.50	4 / 6
2024	+0.97%	+0.55%	+0.42	3 / 8
2023	+0.05%	+0.99%	-0.95	5 / 8
2022	-1.04%	+0.43%	-1.48	6 / 8
2021	-1.00%	+0.27%	-1.27	6 / 8
2020	+4.66%	+4.83%	-0.17	4 / 8
2019	+2.69%	+4.94%	-2.25	6 / 8
2018	-0.28%	+2.19%	-2.47	5 / 8
2017	-2.95%	+1.46%	-4.41	7 / 8
2016	+4.38%	+5.33%	-0.95	4 / 8

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

+0.72%

204 windows

min -3.4% · max 5.4%

62% positive

3-Year rolling

+0.76%

180 windows

min -0.8% · max 3.1%

73% positive

5-Year rolling

+0.87%

155 windows

min -0.1% · max 1.9%

97% positive

7-Year rolling

+0.93%

131 windows

min 0.0% · max 1.8%

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

1.26%

3-year · annualised

Sharpe ratio

-4.99

vs risk-free 6.5%

Sortino ratio

-9.06

Downside-only deviation

Max drawdown

-3.11%

May 2025 → Jun 2026

% positive months

47.2%

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 Banking & PSU Fund

Scheme	Fund house	NAV	As of
HDFC Banking and PSU Debt Fund - IDCW Option	HDFC	₹10.1812	10 Jun 2026
NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option	Nippon India	₹22.6114	10 Jun 2026
SBI Banking & PSU Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,530.8972	10 Jun 2026
ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹13.0479	10 Jun 2026
Invesco India Banking and PSU Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,064.4931	10 Jun 2026
Bandhan Banking and PSU Fund - Direct Annual IDCW	Bandhan	₹12.2197	10 Jun 2026
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹105.6569	10 Jun 2026
Franklin India Banking and PSU Debt Fund - Direct - IDCW	Franklin India	₹11.5934	10 Jun 2026
Mirae Asset Banking and PSU Fund - Direct Plan - IDCW	Mirae Asset	₹13.8479	10 Jun 2026
Kotak Banking and PSU Debt - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹12.9240	10 Jun 2026

Recent NAVs

Date	NAV
10 Jun 2026	₹112.1213
9 Jun 2026	₹112.0400
8 Jun 2026	₹111.7535
5 Jun 2026	₹111.5429
4 Jun 2026	₹111.2283
3 Jun 2026	₹111.1657
2 Jun 2026	₹111.1844
1 Jun 2026	₹111.1177
29 May 2026	₹111.5946
27 May 2026	₹111.5180

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 10 Jun 2026, the NAV of Birla Sun Life Short Term Fund- Institutional Plan - Daily Dividend is ₹112.1213. It's a Banking & PSU Fund from Birla Sun Life, run as a Institutional plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Birla Sun Life Short Term Fund- Institutional Plan - Daily Dividend has NAV history starting from 23 Sep 2008, a track record of about 17 years 8 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- Institutional Plan - Daily Dividend is managed by Birla Sun Life. It's classified by AMFI under the 'Banking & PSU Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Short Term Fund- Institutional Plan - Daily Dividend has delivered a absolute return of -1.92% — -1.77 pp behind the Banking & PSU Fund category average of -0.15%. The fund ranks #5 of 8 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Birla Sun Life Short Term Fund- Institutional Plan - Daily Dividend has delivered a CAGR of 0.22% — -0.87 pp behind the Banking & PSU Fund category average of 1.09%. The fund ranks #3 of 8 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Birla Sun Life Short Term Fund- Institutional Plan - Daily Dividend has delivered a CAGR of -0.09% — -1.31 pp behind the Banking & PSU Fund category average of 1.22%. The fund ranks #5 of 8 in its category — the third (Q3) quartile.

₹1 lakh invested in Birla Sun Life Short Term Fund- Institutional Plan - Daily Dividend exactly 10 years ago would be worth approximately ₹106,307 today — a multiplier of 1.06×, based on the 10-year CAGR of 0.61%. The category average over the same window would have grown ₹1 lakh to ₹124,052.

A ₹10,000 monthly SIP in Birla Sun Life Short Term Fund- Institutional Plan - Daily Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹602,636 today. That's an XIRR (money-weighted annualised return) of 0.17%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Short Term Fund- Institutional Plan - Daily Dividend = ₹1,200,000 invested. It would currently be worth ₹1,226,169 (multiplier 1.02×). XIRR: 0.43%. 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 Short Term Fund- Institutional Plan - Daily Dividend ranks #5 out of 8 funds in the Banking & PSU Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 1.22%; this fund delivered -0.09%.

The worst peak-to-trough decline Birla Sun Life Short Term Fund- Institutional Plan - Daily Dividend has experienced over the last 5-year window is 3.11% — its NAV fell from a high on 29 May 2025 to a low on 01 Jun 2026. 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- Institutional Plan - Daily Dividend averaged 0.87% (best 1.89%, worst -0.14%). 97% of rolling windows ended positive. The 5-year Sharpe ratio is -5.42 — negative risk-adjusted performance.

In calendar year 2025, Birla Sun Life Short Term Fund- Institutional Plan - Daily Dividend returned 1.05% — lagging the Banking & PSU Fund category average of 3.55% by 2.50 pp. It ranked #4 of 6 in its category that year.

Birla Sun Life Short Term Fund- Institutional Plan - Daily Dividend doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Birla Sun Life Short Term Fund- Institutional Plan - Daily Dividend is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 3.1%. 5-year CAGR: -0.09%.

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