Should I invest in Birla Sun Life Tax Plan Growth Option?

We don't give personal investment advice. Birla Sun Life Tax Plan Growth Option is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 36.5%. 5-year CAGR: 3.72%.

Birla Sun Life

Birla Sun Life Tax Plan Growth Option

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	-0.13%	-1.86%	+1.73	70 / 90	Q4
1W	+0.91%	-3.45%	+4.36	10 / 87	Q1
2W	+3.42%	-4.75%	+8.17	4 / 87	Q1
1M	+3.26%	-5.79%	+9.05	6 / 87	Q1
3M	-3.63%	-4.65%	+1.02	61 / 87	Q3
6M	-0.79%	-3.61%	+2.82	31 / 89	Q2
YTD	-5.68%	-5.38%	-0.30	40 / 89	Q2
1Y	-4.16%	+0.15%	-4.30	45 / 87	Q3
2Y	+1.30%	-0.30%	+1.60	39 / 86	Q2
3Y	+14.20%	+5.90%	+8.29	25 / 81	Q2
4Y	+4.47%	+8.17%	-3.70	66 / 78	Q4
5Y	+3.72%	+6.75%	-3.03	67 / 77	Q4
7Y	+8.44%	+8.81%	-0.37	51 / 75	Q3
10Y	+13.06%	+8.08%	+4.97	16 / 69	Q1
Inception	+9.91%	+5.84%	+4.07	35 / 91	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
2023 YTD	-5.68%	+23.46%	-29.14	48 / 49
2022	-1.53%	+0.75%	-2.28	35 / 52
2021	+11.52%	+28.91%	-17.39	53 / 54
2020	+14.13%	+11.40%	+2.72	23 / 56
2019	+3.70%	+2.03%	+1.67	29 / 59
2018	-4.61%	-9.68%	+5.07	19 / 61
2017	+41.69%	+29.95%	+11.73	8 / 65
2016	+2.78%	-0.31%	+3.09	28 / 70
2015	+8.28%	-1.16%	+9.44	2 / 24
2014	+53.28%	+42.05%	+11.23	5 / 27
2013	+7.69%	+2.38%	+5.31	6 / 27

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

+12.54%

190 windows

min -57.8% · max 88.3%

72% positive

3-Year rolling

+11.64%

165 windows

min -5.9% · max 30.3%

95% positive

5-Year rolling

+12.05%

141 windows

min -2.4% · max 24.2%

97% positive

7-Year rolling

+13.12%

117 windows

min 4.8% · max 21.5%

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

15.11%

3-year · annualised

Sharpe ratio

0.53

vs risk-free 6.5%

Sortino ratio

0.80

Downside-only deviation

Max drawdown

-18.71%

Nov 2021 → Jun 2022

% positive months

72.2%

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 ELSS

Scheme	Fund house	NAV	As of
HDFC TaxSaver-Dividend Plan	HDFC	₹63.4950	10 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹19.8315	10 Jun 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹84.7997	10 Jun 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹27.2000	10 Jun 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹120.2000	10 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹29.4537	10 Jun 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹57.5323	10 Jun 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹41.0930	10 Jun 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹29.0400	10 Jun 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹21.2240	10 Jun 2026

Recent NAVs

Date	NAV
13 Apr 2023	₹47.4900
12 Apr 2023	₹47.5500
11 Apr 2023	₹47.3600
10 Apr 2023	₹47.1400
6 Apr 2023	₹47.0600
5 Apr 2023	₹47.0900
3 Apr 2023	₹46.7900
31 Mar 2023	₹46.5900
29 Mar 2023	₹45.9200
28 Mar 2023	₹45.6300

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 Tax Plan Growth Option is a ELSS from Birla Sun Life (Unknown 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 Tax Plan Growth Option has NAV history starting from 04 Oct 2006, a track record of about 19 years 8 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 Tax Plan Growth Option is managed by Birla Sun Life. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Tax Plan Growth Option has delivered a absolute return of -4.16% — -4.3 pp behind the ELSS category average of 0.15%. The fund ranks #45 of 87 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Birla Sun Life Tax Plan Growth Option has delivered a CAGR of 14.20% — +8.29 pp ahead of the ELSS category average of 5.90%. The fund ranks #25 of 81 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Birla Sun Life Tax Plan Growth Option has delivered a CAGR of 3.72% — -3.03 pp behind the ELSS category average of 6.75%. The fund ranks #67 of 77 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Birla Sun Life Tax Plan Growth Option exactly 10 years ago would be worth approximately ₹341,164 today — a multiplier of 3.41×, based on the 10-year CAGR of 13.06%. The category average over the same window would have grown ₹1 lakh to ₹217,539.

A ₹10,000 monthly SIP in Birla Sun Life Tax Plan Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹673,891 today. That's an XIRR (money-weighted annualised return) of 4.59%.

A ₹10,000 monthly SIP for 10 years in Birla Sun Life Tax Plan Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,873,856 (multiplier 1.56×). XIRR: 8.63%. 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 Tax Plan Growth Option ranks #67 out of 77 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.75%; this fund delivered 3.72%.

The worst peak-to-trough decline Birla Sun Life Tax Plan Growth Option has experienced over the last 5-year window is 36.51% — its NAV fell from a high on 03 Sep 2018 to a low on 23 Mar 2020. 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 Tax Plan Growth Option averaged 12.05% (best 24.18%, worst -2.38%). 97% of rolling windows ended positive. The 5-year Sharpe ratio is -0.09 — negative risk-adjusted performance.

In calendar year 2022, Birla Sun Life Tax Plan Growth Option returned -1.53% — lagging the ELSS category average of 0.75% by 2.28 pp. It ranked #35 of 52 in its category that year.

Birla Sun Life Tax Plan Growth Option is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. Birla Sun Life Tax Plan Growth Option is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 36.5%. 5-year CAGR: 3.72%.

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