Birla Sun Life India Opportunities Fund

Birla Sunlife India Opportunities Fund is managed by Mr. Atul Penkar. The scheme seeks to achieve superior long-term growth of capital through an equity portfolio, which focuses on emerging opportunities in the field of global outsourcing. This would include sectors such as IT, telecom, pharmaceuticals, biotechnology, auto ancillaries, textiles etc. This fund has given an average performance. New investors can skip this fund for a better performing fund in this category.

Where does Birla Sunlife India Opportunities Fund invest your money?

Birla Sunlife India Opportunities Fund is a mid cap equity fund which means your money will be invested in equity and equity related instruments or funds of medium and small sized companies. Mid and small cap companies tend to give kicker returns while large cap companies are stable in comparison to mid and small cap funds. This fund has 51.63% exposure to large companies, 25.05% exposure to medium sized companies and about 23.32% exposure to small sized companies.

Suitable for what?
  • Creating wealth
  • Lifestyle needs
Not suitable for what?
  • Child's education
  • Child's marriage
  • Planning for retirement
  • Home Purchase
How has Birla Sunlife India Opportunities Fund performed in the past?

If you had invested Rs 1 lakh when the fund was launched in Dec 1999, your value of investments would be around Rs 5.12 lakhs. If you had invested Rs. 1 Lakh for 5 years, your value of investments would have sadly dropped to Rs 99940. The performance has not been similar to other funds in this category. The fund has been giving around -0.012% returns for those who have stayed invested since last five years.

Assume you had invested Rs 10,000 every month in Birla Sunlife India Opportunities Fund through SIP since inception today you would have around Rs 7.12 lakhs.

How will Birla Sunlife India Opportunities Fund perform in the future?

Needless to say no one can predict the future of markets. We have firm belief in the future prospects of the Indian economy. If the Indian economy grows at 9% then the leading companies tend to do well. When the companies do well their stock prices follow their performance. So if you expect the economy to grow at 8% then you can expect top performing mutual funds to give you returns in excess of 14%.

Mutual fund schemes that have exposure to mid-sized companies tend to show results when their bet on few companies comes true. We advise you to avoid too much of star gazing and future prediction. Be reminded that equities are one of the asset classes that have the potential to beat inflation. Your aim for core portfolio should be to beat inflation.

Our recommendation for fresh investment
Not Recommended
Our recommendation for existing investment
When to exit?

Withdraw when your goals are close to achievement. Do not remove the money when the markets go up or down. Do not panic. Stick to your goals.

How frequently you need to monitor the performance?

Once you invest in the fund do not get into the habit of checking the NAV daily or monthly. Review the performance once a quarter. Look out for news and developments that can affect the sector as a whole.

What are the charges applicable?

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 seven days from the date of allotment an exit load of 0.50% is deducted from your total returns. No exit load applies for units withdrawn post seven days. Expense ratio of Birla Sunlife India Opportunities Fund is 2.99%. 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. 

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