Should I invest in Birla Sun Life Short Term Fund - Daily Dividend?

We don't give personal investment advice. Birla Sun Life Short Term Fund- Retail Plan - Daily 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: 2.5%. 5-year CAGR: 0.15%.

Birla Sun Life

Birla Sun Life Short Term Fund- Retail Plan - Daily 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

₹112.9610

As of

3 Jun 2026

4,250 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	4 / 5	Q4
1W	-0.08%	+0.07%	-0.15	5 / 5	Q4
2W	+0.02%	+0.33%	-0.31	5 / 5	Q4
1M	-0.22%	+0.31%	-0.53	5 / 5	Q4
3M	-0.54%	-0.48%	-0.06	3 / 5	Q3
6M	-0.79%	-0.52%	-0.27	3 / 5	Q3
YTD	-0.59%	-0.31%	-0.28	4 / 5	Q4
1Y	-0.75%	-0.07%	-0.68	4 / 5	Q4
2Y	+1.08%	+0.86%	+0.22	2 / 5	Q2
3Y	+0.55%	+0.97%	-0.42	3 / 5	Q3
4Y	+0.68%	+1.18%	-0.49	3 / 5	Q3
5Y	+0.15%	+0.90%	-0.75	3 / 5	Q3
7Y	+0.87%	+1.64%	-0.77	2 / 4	Q2
10Y	+0.72%	+2.43%	-1.71	2 / 3	Q3
Inception	+0.69%	+1.87%	-1.18	2 / 5	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
2026 YTD	-0.59%	-0.06%	-0.53	3 / 3
2025	+2.07%	+3.51%	-1.43	2 / 3
2024	+0.95%	+0.31%	+0.64	2 / 3
2023	-0.01%	+2.31%	-2.32	3 / 3
2022	-1.04%	+0.49%	-1.53	2 / 3
2021	-1.00%	+0.38%	-1.38	2 / 3
2020	+4.66%	+4.74%	-0.08	3 / 4
2019	+2.69%	+4.07%	-1.38	3 / 4
2018	-0.28%	+1.54%	-1.81	3 / 4
2017	-2.95%	-0.56%	-2.39	3 / 4
2016	+4.29%	+4.81%	-0.52	2 / 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

+0.77%

203 windows

min -3.1% · max 5.1%

63% positive

3-Year rolling

+0.78%

179 windows

min -0.8% · max 3.2%

75% positive

5-Year rolling

+0.87%

155 windows

min 0.0% · max 2.0%

100% positive

7-Year rolling

+0.93%

130 windows

min 0.1% · max 1.7%

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

1.35%

3-year · annualised

Sharpe ratio

-4.40

vs risk-free 6.5%

Sortino ratio

-7.20

Downside-only deviation

Max drawdown

-1.55%

May 2025 → Apr 2026

% positive months

52.8%

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	₹112.9610
2 Jun 2026	₹112.9800
1 Jun 2026	₹112.9122
29 May 2026	₹113.2073
27 May 2026	₹113.1296
26 May 2026	₹113.0697
25 May 2026	₹113.0648
22 May 2026	₹112.8789
21 May 2026	₹112.8132
20 May 2026	₹112.9198

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 - Daily Dividend is ₹112.9610. 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 - Daily Dividend has NAV history starting from 14 Oct 2008, a track record of about 17 years 7 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 - Daily 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- Retail Plan - Daily Dividend has delivered a absolute return of -0.75% — -0.68 pp behind the Banking & PSU Fund category average of -0.07%. The fund ranks #4 of 5 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Birla Sun Life Short Term Fund- Retail Plan - Daily Dividend has delivered a CAGR of 0.55% — -0.42 pp behind the Banking & PSU Fund category average of 0.97%. The fund ranks #3 of 5 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Birla Sun Life Short Term Fund- Retail Plan - Daily Dividend has delivered a CAGR of 0.15% — -0.75 pp behind the Banking & PSU Fund category average of 0.90%. The fund ranks #3 of 5 in its category — the third (Q3) quartile.

₹1 lakh invested in Birla Sun Life Short Term Fund- Retail Plan - Daily Dividend exactly 10 years ago would be worth approximately ₹107,420 today — a multiplier of 1.07×, based on the 10-year CAGR of 0.72%. 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 - Daily Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹608,316 today. That's an XIRR (money-weighted annualised return) of 0.54%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Short Term Fund- Retail Plan - Daily Dividend = ₹1,200,000 invested. It would currently be worth ₹1,238,517 (multiplier 1.03×). XIRR: 0.63%. 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 - Daily Dividend ranks #3 out of 5 funds in the Banking & PSU Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 0.90%; this fund delivered 0.15%.

The worst peak-to-trough decline Birla Sun Life Short Term Fund- Retail Plan - Daily Dividend has experienced over the last 5-year window is 2.46% — its NAV fell from a high on 23 Sep 2021 to a low on 07 Jun 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 - Daily Dividend averaged 0.87% (best 1.96%, worst 0.03%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -5.06 — negative risk-adjusted performance.

In calendar year 2025, Birla Sun Life Short Term Fund- Retail Plan - Daily Dividend returned 2.07% — lagging the Banking & PSU Fund category average of 3.51% by 1.43 pp. It ranked #2 of 3 in its category that year.

Birla Sun Life Short Term Fund- Retail Plan - Daily 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- Retail Plan - Daily 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: 2.5%. 5-year CAGR: 0.15%.

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