Should I invest in BANDHAN Balanced Advantage Fund Direct Plan IDCW?

We don't give personal investment advice. BANDHAN Balanced Advantage Fund Direct Plan IDCW is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 16.7%. 5-year CAGR: 2.61%.

Bandhan

BANDHAN Balanced Advantage Fund Direct Plan IDCW

Latest NAV

₹15.7720

As of

3 Jun 2026

2,872 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	+0.07%	+0.10%	-0.03	24 / 40	Q3
1W	-0.90%	-1.06%	+0.16	14 / 40	Q2
2W	-0.04%	-0.14%	+0.11	17 / 40	Q2
1M	-0.82%	-0.97%	+0.14	13 / 40	Q2
3M	-5.53%	-2.12%	-3.41	37 / 40	Q4
6M	-8.85%	-5.42%	-3.43	32 / 39	Q4
YTD	-7.88%	-5.40%	-2.49	30 / 39	Q4
1Y	-7.34%	-2.89%	-4.46	32 / 39	Q4
2Y	-2.79%	+0.02%	-2.81	28 / 38	Q3
3Y	+2.69%	+6.40%	-3.71	27 / 33	Q4
4Y	+3.72%	+6.36%	-2.64	23 / 29	Q4
5Y	+2.61%	+5.03%	-2.42	18 / 24	Q3
7Y	+4.54%	+6.18%	-1.64	15 / 22	Q3
10Y	+3.94%	+4.98%	-1.03	9 / 11	Q4
Inception	+3.98%	+5.66%	-1.68	27 / 40	Q3

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	-7.88%	-5.55%	-2.33	29 / 38
2025	-0.02%	+2.32%	-2.34	26 / 38
2024	+9.29%	+9.52%	-0.23	18 / 35
2023	+10.49%	+15.43%	-4.94	27 / 31
2022	-4.61%	+1.33%	-5.94	26 / 29
2021	+12.38%	+10.71%	+1.66	8 / 23
2020	+10.41%	+10.14%	+0.28	12 / 23
2019	+5.31%	+4.00%	+1.31	9 / 19
2018	-2.77%	-4.09%	+1.31	9 / 17
2017	+10.23%	+14.53%	-4.30	11 / 14
2016	-0.75%	+0.87%	-1.63	7 / 12

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

+4.55%

130 windows

min -16.5% · max 38.6%

67% positive

3-Year rolling

+4.96%

106 windows

min -4.6% · max 11.4%

98% positive

5-Year rolling

+5.24%

82 windows

min -2.6% · max 9.3%

99% positive

7-Year rolling

+5.14%

57 windows

min 2.9% · max 6.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

9.00%

3-year · annualised

Sharpe ratio

-0.38

vs risk-free 6.5%

Sortino ratio

-0.48

Downside-only deviation

Max drawdown

-16.66%

Sep 2024 → Mar 2026

% positive months

61.1%

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 Balanced Advantage Fund

Scheme	Fund house	NAV	As of
HDFC Balanced Advantage Fund - IDCW Plan - Direct Plan	HDFC	₹42.1540	3 Jun 2026
NIPPON INDIA BALANCED ADVANTAGE FUND - DIRECT Plan - IDCW Option	Nippon India	₹44.6090	3 Jun 2026
SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.3197	3 Jun 2026
ICICI Prudential Balanced Advantage Fund - Direct Plan - IDCW	ICICI Prudential	₹28.5800	3 Jun 2026
Invesco India Balanced Advantage Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹21.5000	3 Jun 2026
quant Dynamic Asset Allocation Fund - IDCW Option - Direct Plan	Quant	₹17.2675	3 Jun 2026
Aditya Birla Sun Life Balanced Advantage Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹29.4500	3 Jun 2026
Motilal Oswal Balanced Advantage Fund Direct - Annual IDCW Payout/Reinvestment	Motilal Oswal	₹12.9530	3 Jun 2026
Franklin India Balanced Advantage Fund- IDCW- Direct	Franklin India	₹13.2612	3 Jun 2026
Mirae Asset Balanced Advantage Fund Direct Plan- IDCW	Mirae Asset	₹13.7830	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹15.7720
2 Jun 2026	₹15.7960
1 Jun 2026	₹15.7850
31 May 2026	₹15.8470
29 May 2026	₹15.8460
27 May 2026	₹15.9340
26 May 2026	₹15.9390
25 May 2026	₹15.9480
22 May 2026	₹15.8420
21 May 2026	₹15.8300

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 BANDHAN Balanced Advantage Fund Direct Plan IDCW is ₹15.7720. It's a Balanced Advantage Fund from Bandhan, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

BANDHAN Balanced Advantage Fund Direct Plan IDCW has NAV history starting from 13 Oct 2014, a track record of about 11 years 7 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

BANDHAN Balanced Advantage Fund Direct Plan IDCW is managed by Bandhan. It's classified by AMFI under the 'Balanced Advantage Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, BANDHAN Balanced Advantage Fund Direct Plan IDCW has delivered a absolute return of -7.34% — -4.46 pp behind the Balanced Advantage Fund category average of -2.89%. The fund ranks #32 of 39 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, BANDHAN Balanced Advantage Fund Direct Plan IDCW has delivered a CAGR of 2.69% — -3.71 pp behind the Balanced Advantage Fund category average of 6.40%. The fund ranks #27 of 33 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, BANDHAN Balanced Advantage Fund Direct Plan IDCW has delivered a CAGR of 2.61% — -2.42 pp behind the Balanced Advantage Fund category average of 5.03%. The fund ranks #18 of 24 in its category — the third (Q3) quartile.

₹1 lakh invested in BANDHAN Balanced Advantage Fund Direct Plan IDCW exactly 10 years ago would be worth approximately ₹147,242 today — a multiplier of 1.47×, based on the 10-year CAGR of 3.94%. The category average over the same window would have grown ₹1 lakh to ₹162,547.

A ₹10,000 monthly SIP in BANDHAN Balanced Advantage Fund Direct Plan IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹615,274 today. That's an XIRR (money-weighted annualised return) of 0.99%.

A ₹10,000 monthly SIP for 10 years in BANDHAN Balanced Advantage Fund Direct Plan IDCW = ₹1,200,000 invested. It would currently be worth ₹1,443,283 (multiplier 1.20×). XIRR: 3.62%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, BANDHAN Balanced Advantage Fund Direct Plan IDCW ranks #18 out of 24 funds in the Balanced Advantage Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 5.03%; this fund delivered 2.61%.

The worst peak-to-trough decline BANDHAN Balanced Advantage Fund Direct Plan IDCW has experienced over the last 5-year window is 16.66% — its NAV fell from a high on 26 Sep 2024 to a low on 30 Mar 2026. 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, BANDHAN Balanced Advantage Fund Direct Plan IDCW averaged 5.24% (best 9.27%, worst -2.58%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is -0.39 — negative risk-adjusted performance.

In calendar year 2025, BANDHAN Balanced Advantage Fund Direct Plan IDCW returned -0.02% — lagging the Balanced Advantage Fund category average of 2.32% by 2.34 pp. It ranked #26 of 38 in its category that year.

BANDHAN Balanced Advantage Fund Direct Plan IDCW is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. BANDHAN Balanced Advantage Fund Direct Plan IDCW is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 16.7%. 5-year CAGR: 2.61%.

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