Birla Sun Life Equity Fund

Birla Sun Life Equity fund is being managed by an experienced manager Anil Shah. It was an average performer in the distant past but has been doing poorly of late. If you have invested in this fund, exit now and invest in better performing funds.

Where does Biral Sun Life Equity Fund invest your money ?

Birla Sun Life Equity is a diversified fund which means your money will be invested in giant, large, medium and small size companies. Birla Sun Life Equity fund has 58.07 % exposure to giant and large size companies and 7.78% in small and micro size companies. Large cap companies tend to be stable compared to mid cap and small cap companies. Small and mid size companies have the potential to become large companies and when that happens you are expected to get bumper returns. Unfortunately it does not happen too frequently. Its portfolio is made up of 94.50% equities and 5.50%  cash & money market securities.

Suitable for what?
  • Creation of wealth
  • Lifestyle needs
Not Suitable for?
  • Child's Education
  • Child's Marriage
  • Planning for Retirement
  • Buying a house 
Our recommendation for fresh investment
Not Recommended
Our recommendation for existing investment
Not Recommended
How has Birla Sun Life Equity performed in the past?

If you had invested Rs 1 lakh when the fund was launched at Aug 1998 the value of your investments would be around Rs 26.99 lakhs. If you had invested Rs 1 lakh five years back it would have become Rs 1.15 lakhs. The performance has been not better than or similar to other diversified mutual funds. The fund has been giving at around 2.28% every year for those who stayed invested for last 5 years.

Assume you had invested Rs 10,000 every month in Birla Sun Life Equity through SIP for the past 5 years; today you would have around Rs 7.48 lakhs.

What charges apply?

A onetime fee of Rs 100 is charged on investments over Rs 10, 000 made through distributors. If you are a first time investor in mutual funds an additional Rs 50 is charged to cover KYC expenses. This is deducted from your investment and can be skipped if you buy directly from the mutual fund via their website or offices.

If units are sold within a year an exit load of 1% is deducted from your total returns. No exit load applies for units withdrawn post one year. Expense ratio of Birla Sun Life Equity is 2.62%. This is charged to recover the fund management company’s expenses on securities’ transactions, commissions, registrar fees, etc.Your mutual fund returns will be total returns less expense ratio.

What are the tax implications?

The returns in a mutual fund are absolutely tax free, provided you do not withdraw within 1 year. Birla Sun Life Equity does not qualify for sec 80C ELSS benefits.

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