Should I invest in HDFC Balanced Advantage Fund?

We don't give personal investment advice. HDFC Balanced Advantage Fund - IDCW 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: 17.1%. 5-year CAGR: 4.82%.

HDFC

HDFC Balanced Advantage Fund - IDCW Plan

Latest NAV

₹36.1080

As of

24 Jul 2026

4,999 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	-0.09%	-0.13%	+0.04	4 / 9	Q2
1W	-1.54%	-1.44%	-0.11	7 / 9	Q4
2W	-1.42%	-1.44%	+0.02	5 / 9	Q3
1M	-1.41%	-0.83%	-0.57	8 / 9	Q4
3M	-1.40%	+0.41%	-1.80	9 / 9	Q4
6M	-4.46%	-1.24%	-3.22	8 / 9	Q4
YTD	-7.29%	-4.22%	-3.07	8 / 9	Q4
1Y	-8.15%	-3.51%	-4.65	8 / 9	Q4
2Y	-6.17%	-0.98%	-5.19	8 / 9	Q4
3Y	+3.99%	+6.79%	-2.80	7 / 9	Q4
4Y	+5.90%	+8.14%	-2.24	7 / 9	Q4
5Y	+4.82%	+6.46%	-1.64	5 / 7	Q3
7Y	+3.86%	+7.32%	-3.46	5 / 7	Q3
10Y	+2.09%	+6.62%	-4.54	6 / 7	Q4
Inception	+1.63%	+7.64%	-6.01	9 / 9	Q4

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	-7.29%	-4.22%	-3.07	8 / 9
2025	-1.12%	+2.29%	-3.40	8 / 9
2024	+7.74%	+11.68%	-3.94	7 / 9
2023	+19.62%	+17.65%	+1.97	3 / 9
2022	+6.67%	+5.15%	+1.53	2 / 8
2021	+13.43%	+13.53%	-0.10	4 / 7
2020	-6.87%	+4.96%	-11.83	7 / 7
2019	-8.48%	+2.91%	-11.39	7 / 7
2018	-17.44%	-5.36%	-12.07	7 / 7
2017	+21.44%	+23.10%	-1.66	5 / 7
2016	-4.35%	+0.55%	-4.90	5 / 7

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

+4.15%

236 windows

min -52.6% · max 85.8%

52% positive

3-Year rolling

+2.23%

211 windows

min -14.8% · max 23.4%

63% positive

5-Year rolling

+1.44%

187 windows

min -8.9% · max 15.4%

59% positive

7-Year rolling

+0.74%

163 windows

min -4.2% · max 7.0%

57% 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

8.80%

3-year · annualised

Sharpe ratio

-0.24

vs risk-free 6.5%

Sortino ratio

-0.36

Downside-only deviation

Max drawdown

-17.07%

Sep 2024 → Mar 2026

% positive months

58.3%

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 - Growth Plan	HDFC	₹517.0540	24 Jul 2026
Franklin India Balanced Advantage Fund- Growth	Franklin India	₹14.2959	24 Jul 2026
Invesco India Balanced Advantage Fund - Regular Plan - Growth	Religare	₹52.0700	24 Jul 2026
NIPPON INDIA BALANCED ADVANTAGE FUND - IDCW Option	Reliance	₹31.2818	24 Jul 2026
Sundaram Balanced Advantage Fund (Formerly Known as Principal Balanced Advantage Fund) - Growth Option	Sundaram	₹34.6035	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹36.1080
23 Jul 2026	₹36.1400
22 Jul 2026	₹36.3060
21 Jul 2026	₹36.6170
20 Jul 2026	₹36.6310
17 Jul 2026	₹36.6740
16 Jul 2026	₹36.5150
15 Jul 2026	₹36.5210
14 Jul 2026	₹36.4210
13 Jul 2026	₹36.6650

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 24 Jul 2026, the NAV of HDFC Balanced Advantage Fund - IDCW Plan is ₹36.1080. It's a Balanced Advantage Fund from HDFC, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

HDFC Balanced Advantage Fund - IDCW Plan has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

HDFC Balanced Advantage Fund - IDCW 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 - IDCW Plan has delivered a absolute return of -8.15% — -4.65 pp behind the Balanced Advantage Fund category average of -3.51%. The fund ranks #8 of 9 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Balanced Advantage Fund - IDCW Plan has delivered a CAGR of 3.99% — -2.8 pp behind the Balanced Advantage Fund category average of 6.79%. The fund ranks #7 of 9 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HDFC Balanced Advantage Fund - IDCW Plan has delivered a CAGR of 4.82% — -1.64 pp behind the Balanced Advantage Fund category average of 6.46%. The fund ranks #5 of 7 in its category — the third (Q3) quartile.

₹1 lakh invested in HDFC Balanced Advantage Fund - IDCW Plan exactly 10 years ago would be worth approximately ₹122,950 today — a multiplier of 1.23×, based on the 10-year CAGR of 2.09%. The category average over the same window would have grown ₹1 lakh to ₹189,920.

A ₹10,000 monthly SIP in HDFC Balanced Advantage Fund - IDCW Plan over the last 5 years — total invested ₹600,000 — would be worth ₹641,541 today. That's an XIRR (money-weighted annualised return) of 2.64%.

A ₹10,000 monthly SIP for 10 years in HDFC Balanced Advantage Fund - IDCW Plan = ₹1,200,000 invested. It would currently be worth ₹1,430,229 (multiplier 1.19×). XIRR: 3.44%. 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 - IDCW Plan ranks #5 out of 7 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 6.46%; this fund delivered 4.82%.

The worst peak-to-trough decline HDFC Balanced Advantage Fund - IDCW Plan has experienced over the last 5-year window is 17.07% — its NAV fell from a high on 25 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, HDFC Balanced Advantage Fund - IDCW Plan averaged 1.44% (best 15.43%, worst -8.93%). 59% of rolling windows ended positive. The 5-year Sharpe ratio is -0.14 — negative risk-adjusted performance.

In calendar year 2025, HDFC Balanced Advantage Fund - IDCW Plan returned -1.12% — lagging the Balanced Advantage Fund category average of 2.29% by 3.40 pp. It ranked #8 of 9 in its category that year.

HDFC Balanced Advantage Fund - IDCW 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 - IDCW 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: 17.1%. 5-year CAGR: 4.82%.

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