Should I invest in Birla Sun Life Short Term Fund (Growth)?

We don't give personal investment advice. Birla Sun Life Short Term Fund- Institutional Plan (Growth) 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: 0.9%. 5-year CAGR: 5.77%.

Birla Sun Life

Birla Sun Life Short Term Fund- Institutional Plan (Growth)

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

₹379.9730

As of

3 Jun 2026

4,360 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	+0.06%	+0.05%	+0.01	1 / 8	Q1
1W	+0.22%	+0.10%	+0.12	3 / 8	Q2
2W	+0.32%	+0.17%	+0.15	4 / 8	Q2
1M	+0.08%	+0.03%	+0.05	4 / 8	Q2
3M	+0.28%	-0.85%	+1.13	3 / 8	Q2
6M	+0.95%	-0.65%	+1.61	3 / 8	Q2
YTD	+0.88%	-0.50%	+1.38	3 / 8	Q2
1Y	+3.14%	-0.65%	+3.79	2 / 8	Q1
2Y	+6.37%	+1.15%	+5.22	2 / 8	Q1
3Y	+6.51%	+0.90%	+5.61	2 / 8	Q1
4Y	+6.54%	+1.22%	+5.32	2 / 8	Q1
5Y	+5.77%	+1.13%	+4.64	1 / 8	Q1
7Y	+6.62%	+1.77%	+4.85	1 / 8	Q1
10Y	+7.07%	+2.13%	+4.94	1 / 8	Q1
Inception	+7.66%	+2.43%	+5.22	1 / 8	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	+0.88%	-0.67%	+1.55	3 / 6
2025	+7.33%	+3.55%	+3.79	2 / 6
2024	+7.83%	+0.55%	+7.28	2 / 8
2023	+6.85%	+0.99%	+5.85	2 / 8
2022	+3.65%	+0.43%	+3.22	1 / 8
2021	+3.53%	+0.27%	+3.26	1 / 8
2020	+10.83%	+4.83%	+6.00	1 / 8
2019	+9.96%	+4.94%	+5.02	2 / 8
2018	+6.62%	+2.19%	+4.43	2 / 8
2017	+4.92%	+1.46%	+3.46	2 / 8
2016	+12.20%	+5.33%	+6.88	2 / 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

+7.94%

209 windows

min 2.7% · max 13.8%

100% positive

3-Year rolling

+8.14%

184 windows

min 4.7% · max 11.7%

100% positive

5-Year rolling

+8.27%

160 windows

min 5.8% · max 10.9%

100% positive

7-Year rolling

+8.41%

136 windows

min 6.5% · max 9.9%

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

1.43%

3-year · annualised

Sharpe ratio

-0.12

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.61%

Jun 2025 → Jun 2025

% positive months

91.7%

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	₹10.1283	3 Jun 2026
NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option	Nippon India	₹22.3658	3 Jun 2026
SBI Banking & PSU Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,520.0680	3 Jun 2026
ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹12.9930	3 Jun 2026
Invesco India Banking and PSU Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,062.6489	3 Jun 2026
Bandhan Banking and PSU Fund - Direct Annual IDCW	Bandhan	₹12.0978	3 Jun 2026
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹104.7496	3 Jun 2026
Franklin India Banking and PSU Debt Fund - Direct - IDCW	Franklin India	₹11.5390	3 Jun 2026
Mirae Asset Banking and PSU Fund - Direct Plan - IDCW	Mirae Asset	₹13.7262	3 Jun 2026
Kotak Banking and PSU Debt - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹12.7834	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹379.9730
2 Jun 2026	₹380.0370
1 Jun 2026	₹379.8089
29 May 2026	₹379.6546
27 May 2026	₹379.3941
26 May 2026	₹379.1931
25 May 2026	₹379.1768
22 May 2026	₹378.5535
21 May 2026	₹378.3329
20 May 2026	₹378.6906

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 Short Term Fund- Institutional Plan (Growth) is ₹379.9730. 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 (Growth) has NAV history starting from 05 May 2008, a track record of about 18 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 Short Term Fund- Institutional Plan (Growth) 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 (Growth) has delivered a absolute return of 3.14% — +3.79 pp ahead of the Banking & PSU Fund category average of -0.65%. The fund ranks #2 of 8 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Birla Sun Life Short Term Fund- Institutional Plan (Growth) has delivered a CAGR of 6.51% — +5.61 pp ahead of the Banking & PSU Fund category average of 0.90%. The fund ranks #2 of 8 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Birla Sun Life Short Term Fund- Institutional Plan (Growth) has delivered a CAGR of 5.77% — +4.64 pp ahead of the Banking & PSU Fund category average of 1.13%. The fund ranks #1 of 8 in its category — the top (Q1) quartile.

₹1 lakh invested in Birla Sun Life Short Term Fund- Institutional Plan (Growth) exactly 10 years ago would be worth approximately ₹198,091 today — a multiplier of 1.98×, based on the 10-year CAGR of 7.07%. The category average over the same window would have grown ₹1 lakh to ₹123,512.

A ₹10,000 monthly SIP in Birla Sun Life Short Term Fund- Institutional Plan (Growth) over the last 5 years — total invested ₹600,000 — would be worth ₹700,753 today. That's an XIRR (money-weighted annualised return) of 6.14%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Short Term Fund- Institutional Plan (Growth) = ₹1,200,000 invested. It would currently be worth ₹1,677,436 (multiplier 1.40×). XIRR: 6.52%. 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 (Growth) ranks #1 out of 8 funds in the Banking & PSU Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 1.13%; this fund delivered 5.77%.

The worst peak-to-trough decline Birla Sun Life Short Term Fund- Institutional Plan (Growth) has experienced over the last 5-year window is 0.86% — its NAV fell from a high on 07 Apr 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 Short Term Fund- Institutional Plan (Growth) averaged 8.27% (best 10.91%, worst 5.77%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.64 — negative risk-adjusted performance.

In calendar year 2025, Birla Sun Life Short Term Fund- Institutional Plan (Growth) returned 7.33% — beating the Banking & PSU Fund category average of 3.55% by 3.79 pp. It ranked #2 of 6 in its category that year.

Birla Sun Life Short Term Fund- Institutional Plan (Growth) 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 (Growth) 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: 0.9%. 5-year CAGR: 5.77%.

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- Institutional Plan (Growth)

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Banking & PSU Fund

Recent NAVs

Frequently asked questions

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