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: 5.77%.

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

₹570.3911

As of

3 Jun 2026

4,878 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%	-0.07%	+0.13	2 / 5	Q2
1W	+0.22%	+0.07%	+0.15	2 / 5	Q2
2W	+0.32%	+0.33%	-0.01	3 / 5	Q3
1M	+0.08%	+0.31%	-0.23	4 / 5	Q4
3M	+0.28%	-0.48%	+0.76	1 / 5	Q1
6M	+0.95%	-0.52%	+1.47	1 / 5	Q1
YTD	+0.88%	-0.31%	+1.19	1 / 5	Q1
1Y	+3.14%	-0.07%	+3.21	1 / 5	Q1
2Y	+6.37%	+0.86%	+5.51	1 / 5	Q1
3Y	+6.51%	+0.97%	+5.53	1 / 5	Q1
4Y	+6.54%	+1.18%	+5.37	1 / 5	Q1
5Y	+5.77%	+0.90%	+4.86	1 / 5	Q1
7Y	+6.62%	+1.64%	+4.98	1 / 4	Q1
10Y	+7.07%	+2.43%	+4.64	1 / 3	Q2
Inception	+7.84%	+1.87%	+5.97	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	+0.88%	-0.06%	+0.93	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

+8.02%

234 windows

min 2.7% · max 13.8%

100% positive

3-Year rolling

+7.98%

210 windows

min 4.7% · max 11.7%

100% positive

5-Year rolling

+8.11%

185 windows

min 5.8% · max 10.7%

100% positive

7-Year rolling

+8.32%

161 windows

min 6.5% · 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

1.43%

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	₹570.3911
2 Jun 2026	₹570.4872
1 Jun 2026	₹570.1447
29 May 2026	₹569.9132
27 May 2026	₹569.5221
26 May 2026	₹569.2204
25 May 2026	₹569.1959
22 May 2026	₹568.2602
21 May 2026	₹567.9291
20 May 2026	₹568.4661

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- Retail Plan B(Growth) is ₹570.3911. 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 3.14% — +3.21 pp ahead of the Banking & PSU Fund category average of -0.07%. 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 6.51% — +5.53 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.

Over the trailing 5-year window, Birla Sun Life Short Term Fund- Retail Plan B(Growth) has delivered a CAGR of 5.77% — +4.86 pp ahead of the Banking & PSU Fund category average of 0.90%. 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 ₹198,089 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 ₹127,148.

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 ₹700,756 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- Retail Plan B(Growth) = ₹1,200,000 invested. It would currently be worth ₹1,677,437 (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- 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 0.90%; this fund delivered 5.77%.

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 10.75%, 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- 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: 5.77%.

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- 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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