Should I invest in HDFC Balanced Advantage Fund?

We don't give personal investment advice. HDFC Balanced Advantage Fund - Growth Plan - Direct Plan 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: 10.2%. 5-year CAGR: 15.28%.

HDFC

HDFC Balanced Advantage Fund - Growth Plan - Direct Plan

Latest NAV

₹549.0620

As of

3 Jun 2026

3,301 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	+0.22%	+0.09%	+0.13	15 / 37	Q2
1W	-1.09%	-1.03%	-0.07	21 / 37	Q3
2W	+0.07%	-0.05%	+0.12	12 / 37	Q2
1M	-2.00%	-0.84%	-1.16	36 / 37	Q4
3M	-3.02%	-0.70%	-2.32	36 / 37	Q4
6M	-4.87%	-2.95%	-1.92	27 / 36	Q3
YTD	-5.27%	-3.14%	-2.14	30 / 35	Q4
1Y	-1.15%	+1.34%	-2.49	28 / 35	Q4
2Y	+1.90%	+3.74%	-1.84	28 / 34	Q4
3Y	+14.77%	+9.42%	+5.35	2 / 29	Q1
4Y	+15.99%	+11.06%	+4.92	1 / 23	Q1
5Y	+15.28%	+9.89%	+5.40	1 / 18	Q1
7Y	+14.36%	+10.91%	+3.45	1 / 16	Q1
10Y	+15.03%	+11.21%	+3.81	1 / 9	Q1
Inception	+13.99%	+8.05%	+5.95	3 / 37	Q1

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	-5.27%	-3.14%	-2.14	30 / 35
2025	+7.52%	+6.42%	+1.10	15 / 34
2024	+16.99%	+14.12%	+2.87	6 / 31
2023	+31.87%	+19.93%	+11.94	1 / 26
2022	+19.56%	+5.24%	+14.32	1 / 23
2021	+26.43%	+15.64%	+10.79	1 / 17
2020	+7.88%	+13.59%	-5.72	15 / 17
2019	+7.07%	+9.20%	-2.13	13 / 14
2018	+0.79%	+2.19%	-1.40	10 / 12
2017	+35.01%	+22.25%	+12.76	1 / 10
2016	+6.54%	+6.53%	+0.02	4 / 9

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

+17.37%

152 windows

min -27.4% · max 65.8%

87% positive

3-Year rolling

+15.83%

128 windows

min -3.0% · max 31.5%

98% positive

5-Year rolling

+15.40%

103 windows

min 2.2% · max 27.2%

100% positive

7-Year rolling

+14.50%

79 windows

min 8.2% · max 17.7%

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

10.01%

3-year · annualised

Sharpe ratio

0.79

vs risk-free 6.5%

Sortino ratio

1.43

Downside-only deviation

Max drawdown

-10.18%

Jan 2026 → Mar 2026

% positive months

75.0%

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
Nippon India Balanced Advantage Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹201.7847	3 Jun 2026
SBI Balanced Advantage Fund - Direct Plan - Growth	SBI	₹16.3194	3 Jun 2026
ICICI Prudential Balanced Advantage Fund - Direct Plan - Growth	ICICI Prudential	₹84.1900	3 Jun 2026
Invesco India Balanced Advantage Fund - Direct Plan - Growth	Invesco	₹61.1200	3 Jun 2026
BANDHAN Balanced Advantage Fund Direct Plan Growth	Bandhan	₹28.4650	3 Jun 2026
quant Dynamic Asset Allocation Fund - Growth Option - Direct Plan	Quant	₹17.2733	3 Jun 2026
Aditya Birla Sun Life Balanced Advantage Fund - Direct Plan - Growth Option	Aditya Birla Sun Life	₹124.2700	3 Jun 2026
Motilal Oswal Balanced Advantage Fund (MOFDYNAMIC) - Direct Plan - Growth Option	Motilal Oswal	₹20.2454	3 Jun 2026
Franklin India Balanced Advantage Fund- Growth- Direct	Franklin India	₹14.8560	3 Jun 2026
Mirae Asset Balanced Advantage Fund Direct Plan- Growth	Mirae Asset	₹14.9700	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹549.0620
2 Jun 2026	₹549.7100
1 Jun 2026	₹548.4820
29 May 2026	₹551.3460
27 May 2026	₹556.3800
26 May 2026	₹555.7730
25 May 2026	₹557.5580
22 May 2026	₹551.9570
21 May 2026	₹550.7350
20 May 2026	₹550.0050

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 HDFC Balanced Advantage Fund - Growth Plan - Direct Plan is ₹549.0620. It's a Balanced Advantage Fund from HDFC, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC Balanced Advantage Fund - Growth Plan - Direct Plan has NAV history starting from 01 Jan 2013, a track record of about 13 years 5 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.

HDFC Balanced Advantage Fund - Growth Plan - Direct Plan is managed by HDFC. 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, HDFC Balanced Advantage Fund - Growth Plan - Direct Plan has delivered a absolute return of -1.15% — -2.49 pp behind the Balanced Advantage Fund category average of 1.34%. The fund ranks #28 of 35 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Balanced Advantage Fund - Growth Plan - Direct Plan has delivered a CAGR of 14.77% — +5.35 pp ahead of the Balanced Advantage Fund category average of 9.42%. The fund ranks #2 of 29 in its category — the top (Q1) quartile.

Over the trailing 5-year window, HDFC Balanced Advantage Fund - Growth Plan - Direct Plan has delivered a CAGR of 15.28% — +5.4 pp ahead of the Balanced Advantage Fund category average of 9.89%. The fund ranks #1 of 18 in its category — the top (Q1) quartile.

₹1 lakh invested in HDFC Balanced Advantage Fund - Growth Plan - Direct Plan exactly 10 years ago would be worth approximately ₹405,489 today — a multiplier of 4.05×, based on the 10-year CAGR of 15.03%. The category average over the same window would have grown ₹1 lakh to ₹289,420.

A ₹10,000 monthly SIP in HDFC Balanced Advantage Fund - Growth Plan - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹820,297 today. That's an XIRR (money-weighted annualised return) of 12.45%.

A ₹10,000 monthly SIP for 10 years in HDFC Balanced Advantage Fund - Growth Plan - Direct Plan = ₹1,200,000 invested. It would currently be worth ₹2,612,335 (multiplier 2.18×). XIRR: 14.87%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Balanced Advantage Fund - Growth Plan - Direct Plan ranks #1 out of 18 funds in the Balanced Advantage Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 9.89%; this fund delivered 15.28%.

The worst peak-to-trough decline HDFC Balanced Advantage Fund - Growth Plan - Direct Plan has experienced over the last 5-year window is 10.18% — its NAV fell from a high on 02 Jan 2026 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, HDFC Balanced Advantage Fund - Growth Plan - Direct Plan averaged 15.40% (best 27.17%, worst 2.18%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.84 — reasonable risk-adjusted performance.

In calendar year 2025, HDFC Balanced Advantage Fund - Growth Plan - Direct Plan returned 7.52% — beating the Balanced Advantage Fund category average of 6.42% by 1.10 pp. It ranked #15 of 34 in its category that year.

HDFC Balanced Advantage Fund - Growth Plan - Direct Plan 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. HDFC Balanced Advantage Fund - Growth Plan - Direct Plan 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: 10.2%. 5-year CAGR: 15.28%.

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