HealthyDirect · GrowthFit for a long SIP
Nippon India Balanced Advantage Fund
Nippon India Mutual FundHybrid Schemes - Balanced Advantage Fund/ Dynamic Asset Allocation13.8 years
- NAV
- 203.3681
- 29 Oct 2026
- 1Y
- -1.8%
- Trailing CAGR
- AUM
- ₹9,532.23 Cr
- 30 Sept 2026
- Volatility
- Medium
- 11.2% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 60% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.89% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -22.8%. Ask whether you can hold through a similar fall.
Vs category
Pass
60% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 30.8% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 23%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
If you start a SIP here, diary a 90-day check and an annual review - don’t react to every NAV print.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y-1.8%
- 3Y+10.1%
- 5Y+9.1%
- 10Y+10.6%
- SI+11.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-1.2%
- 3Y+4.4%
- 5Y+8.4%
- 10Y+10.4%
- Since inception
- +11.4%
- Calendar-day CAGR
- Excess 1Y
- +0.7%
- Category median, same plan and option
- 3Y win rate
- +60%
- Windows beating the median
- 3Y percentile
- 64
- Vs comparable share classes
- SIP 3Y XIRR
- +4.4%
- Simulated monthly SIP
- Worst rolling 3Y
- +0.5%
- 2653 daily-ending windows
- Median rolling 3Y
- +12.8%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2159 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -22.8%
- Worst peak-to-trough
- Current
- -4.8%
- Below last peak
- Current spell
- 87 days
- Days below latest peak
- Time below peak
- +86%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 13 days
- 179 recovered episodes
- Longest recovery
- 361 days
- Trough to prior peak
19 Aug 2015 – 30 Aug 2016
Trough 25 Feb 2016 · recovered in 187 days
-22.8%
20 Feb 2020 – 5 Nov 2020
Trough 23 Mar 2020 · recovered in 227 days
-21.8%
15 Jan 2013 – 6 Dec 2013
Trough 28 Aug 2013 · recovered in 100 days
-15.4%
23 Jan 2018 – 19 Mar 2019
Trough 23 Mar 2018 · recovered in 361 days
-11.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
64
Vs category
54
Consistency
56
Risk-adjusted
51
Drawdown
43
Mean
54
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 60% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 179 holdings · top 10 are 30.8%.
- Top 5
- 19.5%
- Top 10
- 30.8%
- Largest holding
- 6.3%
- Effective holdings
- 57.5
HDFC Bank Ltd
Financial
6.3%
ICICI Bank Ltd
Financial
5.6%
Axis Bank Ltd
Financial
2.6%
State Bank of India
Financial
2.5%
Reliance Industries Ltd
Energy & Utilities
2.5%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Mahindra Manulife Balanced Advantage Fund
Mahindra Manulife Mutual Fund
- 1Y
- -0.8%
- 3Y
- +11.0%
- Vol
- 9.5%
- Max DD
- -9.8%
- Sharpe
- 0.43
- 3Y win
- +93%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
WhiteOak Capital Balanced Advantage Fund
WhiteOak Capital Mutual Fund
- 1Y
- -0.9%
- 3Y
- +11.4%
- Vol
- 7.9%
- Max DD
- -9.6%
- Sharpe
- 0.77
- 3Y win
- +99%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Baroda BNP Paribas Balanced Advantage Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- -0.5%
- 3Y
- +11.6%
- Vol
- 10.9%
- Max DD
- -20.7%
- Sharpe
- 0.70
- 3Y win
- +99%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Mirae Asset Balanced Advantage Fund
Mirae Asset Mutual Fund
- 1Y
- +0.6%
- 3Y
- +10.2%
- Vol
- 7.1%
- Max DD
- -7.5%
- Sharpe
- 0.63
- 3Y win
- +72%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Helios Balanced Advantage Fund
Helios Mutual Fund
- 1Y
- -2.2%
- 3Y
- n/a
- Vol
- 10.6%
- Max DD
- -11.1%
- Sharpe
- 0.04
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns