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

We don't give personal investment advice. Birla Sun Life Short Term Fund- Retail Plan B(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: 5.88%.

Birla Sun Life

Birla Sun Life Short Term Fund- Retail Plan B(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

₹575.2944

As of

10 Jun 2026

4,883 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%	+0.05%	+0.21	1 / 5	Q1
1W	+0.77%	+0.46%	+0.31	3 / 5	Q3
2W	+0.99%	+0.73%	+0.26	1 / 5	Q1
1M	+0.71%	+0.69%	+0.02	2 / 5	Q2
3M	+1.08%	0.00%	+1.08	1 / 5	Q1
6M	+1.78%	-0.03%	+1.81	1 / 5	Q1
YTD	+1.65%	+0.15%	+1.50	1 / 5	Q1
1Y	+3.78%	+0.30%	+3.48	1 / 5	Q1
2Y	+6.78%	+1.09%	+5.69	1 / 5	Q1
3Y	+6.77%	+1.12%	+5.65	1 / 5	Q1
4Y	+6.72%	+1.27%	+5.44	1 / 5	Q1
5Y	+5.88%	+0.97%	+4.91	1 / 5	Q1
7Y	+6.74%	+1.72%	+5.02	1 / 4	Q1
10Y	+7.14%	+2.49%	+4.65	1 / 3	Q2
Inception	+7.88%	+1.89%	+5.98	1 / 5	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	+1.65%	+0.71%	+0.94	1 / 3
2025	+7.33%	+3.51%	+3.83	1 / 3
2024	+7.83%	+0.31%	+7.52	1 / 3
2023	+6.85%	+2.31%	+4.53	1 / 3
2022	+3.65%	+0.49%	+3.16	1 / 3
2021	+3.53%	+0.38%	+3.15	1 / 3
2020	+10.83%	+4.74%	+6.09	1 / 4
2019	+9.96%	+4.07%	+5.89	1 / 4
2018	+6.62%	+1.54%	+5.09	1 / 4
2017	+4.92%	-0.56%	+5.47	1 / 4
2016	+12.20%	+4.81%	+7.39	1 / 4

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

+8.00%

234 windows

min 2.6% · max 14.0%

100% positive

3-Year rolling

+7.97%

210 windows

min 4.6% · max 11.7%

100% positive

5-Year rolling

+8.11%

186 windows

min 5.8% · max 10.8%

100% positive

7-Year rolling

+8.32%

161 windows

min 6.4% · max 9.7%

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

1.27%

3-year · annualised

Sharpe ratio

0.06

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.61%

Jun 2025 → Jun 2025

% positive months

97.2%

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	₹575.2944
9 Jun 2026	₹574.8772
8 Jun 2026	₹573.4071
5 Jun 2026	₹572.3267
4 Jun 2026	₹570.7120
3 Jun 2026	₹570.3911
2 Jun 2026	₹570.4872
1 Jun 2026	₹570.1447
29 May 2026	₹569.9132
27 May 2026	₹569.5221

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- Retail Plan B(Growth) is ₹575.2944. It's a Banking & PSU Fund from Birla Sun Life, run as a Retail plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Birla Sun Life Short Term Fund- Retail Plan B(Growth) 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 B(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- Retail Plan B(Growth) has delivered a absolute return of 3.78% — +3.48 pp ahead of the Banking & PSU Fund category average of 0.30%. The fund ranks #1 of 5 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Birla Sun Life Short Term Fund- Retail Plan B(Growth) has delivered a CAGR of 6.77% — +5.65 pp ahead of the Banking & PSU Fund category average of 1.12%. The fund ranks #1 of 5 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Birla Sun Life Short Term Fund- Retail Plan B(Growth) has delivered a CAGR of 5.88% — +4.91 pp ahead of the Banking & PSU Fund category average of 0.97%. The fund ranks #1 of 5 in its category — the top (Q1) quartile.

₹1 lakh invested in Birla Sun Life Short Term Fund- Retail Plan B(Growth) exactly 10 years ago would be worth approximately ₹199,286 today — a multiplier of 1.99×, based on the 10-year CAGR of 7.14%. The category average over the same window would have grown ₹1 lakh to ₹127,916.

A ₹10,000 monthly SIP in Birla Sun Life Short Term Fund- Retail Plan B(Growth) over the last 5 years — total invested ₹600,000 — would be worth ₹705,509 today. That's an XIRR (money-weighted annualised return) of 6.41%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Short Term Fund- Retail Plan B(Growth) = ₹1,200,000 invested. It would currently be worth ₹1,688,493 (multiplier 1.41×). XIRR: 6.64%. 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- Retail Plan B(Growth) ranks #1 out of 5 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 0.97%; this fund delivered 5.88%.

The worst peak-to-trough decline Birla Sun Life Short Term Fund- Retail Plan B(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- Retail Plan B(Growth) averaged 8.11% (best 10.76%, worst 5.79%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.60 — negative risk-adjusted performance.

In calendar year 2025, Birla Sun Life Short Term Fund- Retail Plan B(Growth) returned 7.33% — beating the Banking & PSU Fund category average of 3.51% by 3.83 pp. It ranked #1 of 3 in its category that year.

Birla Sun Life Short Term Fund- Retail Plan B(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- Retail Plan B(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: 5.88%.

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- Retail Plan B(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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