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

We don't give personal investment advice. Birla Sun Life Short Term Fund- Institutional Plan (Monthly 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: 9.2%. 5-year CAGR: -1.44%.

Birla Sun Life

Birla Sun Life Short Term Fund- Institutional Plan (Monthly 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

₹102.2286

As of

17 Jul 2026

4,334 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%	+0.02%	-0.01	6 / 8	Q3
1W	-0.10%	-0.07%	-0.03	8 / 8	Q4
2W	-0.20%	-0.16%	-0.05	7 / 8	Q4
1M	+0.68%	+0.46%	+0.23	3 / 8	Q2
3M	+0.46%	+0.90%	-0.43	5 / 8	Q3
6M	+0.34%	+0.75%	-0.41	4 / 8	Q2
YTD	+0.02%	+0.54%	-0.52	5 / 8	Q3
1Y	-0.86%	+0.47%	-1.34	5 / 8	Q3
2Y	+0.02%	+1.90%	-1.88	7 / 8	Q4
3Y	-2.10%	+1.22%	-3.32	7 / 8	Q4
4Y	-1.38%	+1.38%	-2.77	7 / 8	Q4
5Y	-1.44%	+1.32%	-2.76	7 / 8	Q4
7Y	-0.48%	+1.77%	-2.25	7 / 8	Q4
10Y	-0.30%	+2.15%	-2.45	8 / 8	Q4
Inception	+0.12%	+2.48%	-2.35	8 / 8	Q4

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	+0.02%	+0.71%	-0.69	4 / 6
2025	+1.04%	+3.55%	-2.51	5 / 6
2024	-6.47%	+0.55%	-7.02	8 / 8
2023	+0.07%	+0.99%	-0.93	4 / 8
2022	-1.14%	+0.43%	-1.58	7 / 8
2021	-1.38%	+0.27%	-1.66	7 / 8
2020	+4.75%	+4.83%	-0.08	3 / 8
2019	+2.77%	+4.94%	-2.17	5 / 8
2018	-0.51%	+2.19%	-2.70	7 / 8
2017	-3.41%	+1.46%	-4.87	8 / 8
2016	+2.70%	+5.33%	-2.62	5 / 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

+0.07%

207 windows

min -6.8% · max 4.8%

62% positive

3-Year rolling

+0.19%

183 windows

min -2.7% · max 2.6%

61% positive

5-Year rolling

+0.34%

159 windows

min -1.7% · max 1.6%

82% positive

7-Year rolling

+0.41%

134 windows

min -0.5% · max 1.3%

84% 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

4.92%

3-year · annualised

Sharpe ratio

-1.73

vs risk-free 6.5%

Sortino ratio

-1.82

Downside-only deviation

Max drawdown

-8.44%

Jun 2024 → Mar 2025

% positive months

66.7%

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	₹10.1186	17 Jul 2026
NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option	Nippon India	₹22.8275	17 Jul 2026
SBI Banking & PSU Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,547.1581	17 Jul 2026
ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹13.1750	17 Jul 2026
Invesco India Banking and PSU Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,063.0787	17 Jul 2026
Bandhan Banking and PSU Fund - Direct Annual IDCW	Bandhan	₹12.3368	17 Jul 2026
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹106.6001	17 Jul 2026
Franklin India Banking and PSU Debt Fund - Direct - IDCW	Franklin India	₹11.5230	17 Jul 2026
Mirae Asset Banking and PSU Fund - Direct Plan - IDCW	Mirae Asset	₹13.9587	17 Jul 2026
Kotak Banking and PSU Debt - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹13.0325	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹102.2286
16 Jul 2026	₹102.2131
15 Jul 2026	₹102.1457
14 Jul 2026	₹102.0980
13 Jul 2026	₹102.3307
10 Jul 2026	₹102.3259
9 Jul 2026	₹102.2146
8 Jul 2026	₹102.1974
7 Jul 2026	₹102.4275
6 Jul 2026	₹102.4721

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 17 Jul 2026, the NAV of Birla Sun Life Short Term Fund- Institutional Plan (Monthly Dividend) is ₹102.2286. 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 (Monthly Dividend) has NAV history starting from 24 Jul 2008, a track record of about 17 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- Institutional Plan (Monthly 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 (Monthly Dividend) has delivered a absolute return of -0.86% — -1.34 pp behind the Banking & PSU Fund category average of 0.47%. 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 (Monthly Dividend) has delivered a CAGR of -2.10% — -3.32 pp behind the Banking & PSU Fund category average of 1.22%. The fund ranks #7 of 8 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Birla Sun Life Short Term Fund- Institutional Plan (Monthly Dividend) has delivered a CAGR of -1.44% — -2.76 pp behind the Banking & PSU Fund category average of 1.32%. The fund ranks #7 of 8 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Birla Sun Life Short Term Fund- Institutional Plan (Monthly Dividend) exactly 10 years ago would be worth approximately ₹97,043 today — a multiplier of 0.97×, based on the 10-year CAGR of -0.30%. The category average over the same window would have grown ₹1 lakh to ₹123,691.

A ₹10,000 monthly SIP in Birla Sun Life Short Term Fund- Institutional Plan (Monthly Dividend) over the last 5 years — total invested ₹600,000 — would be worth ₹578,021 today. That's an XIRR (money-weighted annualised return) of -1.47%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Short Term Fund- Institutional Plan (Monthly Dividend) = ₹1,200,000 invested. It would currently be worth ₹1,157,299 (multiplier 0.96×). XIRR: -0.72%. 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 (Monthly Dividend) ranks #7 out of 8 funds in the Banking & PSU Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 1.32%; this fund delivered -1.44%.

The worst peak-to-trough decline Birla Sun Life Short Term Fund- Institutional Plan (Monthly Dividend) has experienced over the last 5-year window is 9.24% — its NAV fell from a high on 15 Sep 2021 to a low on 18 Mar 2025. 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 (Monthly Dividend) averaged 0.34% (best 1.62%, worst -1.72%). 82% of rolling windows ended positive. The 5-year Sharpe ratio is -1.92 — negative risk-adjusted performance.

In calendar year 2025, Birla Sun Life Short Term Fund- Institutional Plan (Monthly Dividend) returned 1.04% — lagging the Banking & PSU Fund category average of 3.55% by 2.51 pp. It ranked #5 of 6 in its category that year.

Birla Sun Life Short Term Fund- Institutional Plan (Monthly 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 (Monthly 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: 9.2%. 5-year CAGR: -1.44%.

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