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

We don't give personal investment advice. Birla Sun Life Short Term Fund- Retail Plan A(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+ 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. 5-year CAGR: 1.23%.

Birla Sun Life

Birla Sun Life Short Term Fund- Retail Plan A(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%	-7.11%	+7.13	61 / 732	Q1
1W	+0.15%	-12.64%	+12.79	116 / 699	Q1
2W	-0.31%	-12.71%	+12.40	281 / 712	Q2
1M	+0.03%	-12.43%	+12.46	271 / 754	Q2
3M	+0.10%	-11.47%	+11.58	342 / 740	Q2
6M	+0.30%	-9.57%	+9.87	369 / 680	Q3
YTD	-0.27%	-9.94%	+9.67	417 / 704	Q3
1Y	+0.80%	-7.10%	+7.90	332 / 627	Q3
2Y	+0.77%	-7.27%	+8.04	67 / 143	Q2
3Y	+0.80%	-2.77%	+3.57	40 / 83	Q2
4Y	+0.57%	+0.17%	+0.39	34 / 70	Q2
5Y	+1.23%	+0.12%	+1.11	30 / 66	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.27%	-6.12%	+7.38	347 / 770	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	-0.27%	+2.03%	-2.30	61 / 66
2010	+1.25%	-4.87%	+6.12	47 / 143
2009	+0.94%	-9.70%	+10.64	283 / 552
2008	+0.85%	+2.86%	-2.01	163 / 257
2007	+0.60%	+6.35%	-5.75	19 / 20
2006	—	—	—	—

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

+1.13%

48 windows

min -0.8% · max 4.5%

94% positive

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

3-Year rolling

+0.96%

23 windows

min 0.2% · max 2.0%

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

0.26%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-2.97%

Aug 2009 → Sep 2009

% 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.

Recent NAVs

Date	NAV
11 Feb 2011	₹10.8068
10 Feb 2011	₹10.8046
9 Feb 2011	₹10.8022
8 Feb 2011	₹10.7999
7 Feb 2011	₹10.7976
4 Feb 2011	₹10.7908
3 Feb 2011	₹10.7883
2 Feb 2011	₹10.7860
1 Feb 2011	₹10.7837
31 Jan 2011	₹10.8474

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- Retail Plan A(Monthly Dividend) is a Income from Birla Sun Life (Retail 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- Retail Plan A(Monthly Dividend) has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 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- Retail Plan A(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 Short Term Fund- Retail Plan A(Monthly Dividend) has delivered a absolute return of 0.80% — +7.9 pp ahead of the Income category average of -7.10%. The fund ranks #332 of 627 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Birla Sun Life Short Term Fund- Retail Plan A(Monthly Dividend) has delivered a CAGR of 0.80% — +3.57 pp ahead of the Income category average of -2.77%. The fund ranks #40 of 83 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Birla Sun Life Short Term Fund- Retail Plan A(Monthly Dividend) has delivered a CAGR of 1.23% — +1.11 pp ahead of the Income category average of 0.12%. The fund ranks #30 of 66 in its category — the second (Q2) quartile.

₹1 lakh invested in Birla Sun Life Short Term Fund- Retail Plan A(Monthly Dividend) exactly 5 years ago would be worth approximately ₹106,316 today — a multiplier of 1.06×, based on the 5-year CAGR of 1.23%. The category average over the same window would have grown ₹1 lakh to ₹100,600.

A ₹10,000 monthly SIP in Birla Sun Life Short Term Fund- Retail Plan A(Monthly Dividend) over the last 3 years — total invested ₹360,000 — would be worth ₹364,356 today. That's an XIRR (money-weighted annualised return) of 0.78%.

Birla Sun Life Short Term Fund- Retail Plan A(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 ₹364,356 — XIRR 0.78%.

On a 5-year basis, Birla Sun Life Short Term Fund- Retail Plan A(Monthly Dividend) ranks #30 out of 66 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 0.12%; this fund delivered 1.23%.

The worst peak-to-trough decline Birla Sun Life Short Term Fund- Retail Plan A(Monthly Dividend) has experienced over the last 3-year window is 2.97% — its NAV fell from a high on 28 Aug 2009 to a low on 01 Sep 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 Short Term Fund- Retail Plan A(Monthly Dividend) averaged 0.96% (best 1.97%, worst 0.23%). 100% of rolling windows ended positive.

In calendar year 2010, Birla Sun Life Short Term Fund- Retail Plan A(Monthly Dividend) returned 1.25% — beating the Income category average of -4.87% by 6.12 pp. It ranked #47 of 143 in its category that year.

Birla Sun Life Short Term Fund- Retail Plan A(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 Short Term Fund- Retail Plan A(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. 5-year CAGR: 1.23%.

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