Should I invest in HDFC Balanced Advantage Fund?

We don't give personal investment advice. HDFC Balanced Advantage Fund - IDCW 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: 14.8%. 5-year CAGR: 6.97%.

HDFC

HDFC Balanced Advantage Fund - IDCW Plan - Direct Plan

Latest NAV

₹43.5770

As of

17 Jul 2026

3,332 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	+0.44%	+0.25%	+0.19	10 / 40	Q1
1W	+0.13%	+0.02%	+0.11	17 / 40	Q2
2W	+0.02%	+0.17%	-0.15	27 / 40	Q3
1M	+0.56%	+1.06%	-0.50	31 / 40	Q4
3M	-0.47%	+1.36%	-1.83	33 / 40	Q4
6M	-4.12%	-1.69%	-2.43	32 / 39	Q4
YTD	-4.95%	-2.78%	-2.18	32 / 39	Q4
1Y	-5.31%	-1.91%	-3.40	31 / 39	Q4
2Y	-4.11%	-0.35%	-3.77	34 / 39	Q4
3Y	+6.73%	+6.02%	+0.71	17 / 34	Q2
4Y	+8.58%	+7.17%	+1.42	13 / 31	Q2
5Y	+6.97%	+5.55%	+1.42	12 / 25	Q2
7Y	+5.42%	+6.94%	-1.52	15 / 22	Q3
10Y	+3.90%	+4.97%	-1.07	9 / 11	Q4
Inception	+2.72%	+6.11%	-3.38	32 / 40	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	-4.95%	-2.86%	-2.09	31 / 38
2025	+0.58%	+2.32%	-1.74	23 / 38
2024	+9.48%	+9.52%	-0.04	15 / 35
2023	+21.64%	+15.43%	+6.22	3 / 31
2022	+8.53%	+1.33%	+7.20	2 / 29
2021	+15.09%	+10.71%	+4.38	6 / 23
2020	-5.39%	+10.14%	-15.53	22 / 23
2019	-7.09%	+4.00%	-11.09	18 / 19
2018	-16.00%	-4.09%	-11.91	17 / 17
2017	+22.56%	+14.53%	+8.03	3 / 14
2016	-3.59%	+0.87%	-4.46	9 / 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

+5.95%

153 windows

min -34.7% · max 46.1%

60% positive

3-Year rolling

+4.57%

129 windows

min -14.0% · max 19.1%

78% positive

5-Year rolling

+3.63%

105 windows

min -7.8% · max 18.2%

74% positive

7-Year rolling

+2.54%

80 windows

min -3.7% · max 6.8%

80% 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

9.32%

3-year · annualised

Sharpe ratio

0.05

vs risk-free 6.5%

Sortino ratio

0.07

Downside-only deviation

Max drawdown

-14.84%

Sep 2024 → Mar 2026

% positive months

63.9%

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 - IDCW Option	Nippon India	₹46.1264	17 Jul 2026
SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.7267	17 Jul 2026
ICICI Prudential Balanced Advantage Fund - Direct Plan - IDCW	ICICI Prudential	₹29.7400	17 Jul 2026
Invesco India Balanced Advantage Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹21.9800	17 Jul 2026
BANDHAN Balanced Advantage Fund Direct Plan IDCW	Bandhan	₹16.3950	17 Jul 2026
quant Dynamic Asset Allocation Fund - IDCW Option - Direct Plan	Quant	₹17.5260	17 Jul 2026
Aditya Birla Sun Life Balanced Advantage Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹30.4200	17 Jul 2026
Motilal Oswal Balanced Advantage Fund Direct - Annual IDCW Payout/Reinvestment	Motilal Oswal	₹13.3545	17 Jul 2026
Franklin India Balanced Advantage Fund- IDCW- Direct	Franklin India	₹13.7641	17 Jul 2026
Mirae Asset Balanced Advantage Fund Direct Plan- IDCW	Mirae Asset	₹14.2490	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹43.5770
16 Jul 2026	₹43.3880
15 Jul 2026	₹43.3950
14 Jul 2026	₹43.2750
13 Jul 2026	₹43.5650
10 Jul 2026	₹43.5200
9 Jul 2026	₹43.1820
8 Jul 2026	₹42.9610
7 Jul 2026	₹43.6780
6 Jul 2026	₹43.7330

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 17 Jul 2026, the NAV of HDFC Balanced Advantage Fund - IDCW Plan - Direct Plan is ₹43.5770. It's a Balanced Advantage Fund from HDFC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Balanced Advantage Fund - IDCW Plan - Direct Plan has NAV history starting from 01 Jan 2013, a track record of about 13 years 6 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 - IDCW 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 - IDCW Plan - Direct Plan has delivered a absolute return of -5.31% — -3.4 pp behind the Balanced Advantage Fund category average of -1.91%. The fund ranks #31 of 39 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Balanced Advantage Fund - IDCW Plan - Direct Plan has delivered a CAGR of 6.73% — +0.71 pp ahead of the Balanced Advantage Fund category average of 6.02%. The fund ranks #17 of 34 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HDFC Balanced Advantage Fund - IDCW Plan - Direct Plan has delivered a CAGR of 6.97% — +1.42 pp ahead of the Balanced Advantage Fund category average of 5.55%. The fund ranks #12 of 25 in its category — the second (Q2) quartile.

₹1 lakh invested in HDFC Balanced Advantage Fund - IDCW Plan - Direct Plan exactly 10 years ago would be worth approximately ₹146,659 today — a multiplier of 1.47×, based on the 10-year CAGR of 3.90%. The category average over the same window would have grown ₹1 lakh to ₹162,446.

A ₹10,000 monthly SIP in HDFC Balanced Advantage Fund - IDCW Plan - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹680,767 today. That's an XIRR (money-weighted annualised return) of 4.99%.

A ₹10,000 monthly SIP for 10 years in HDFC Balanced Advantage Fund - IDCW Plan - Direct Plan = ₹1,200,000 invested. It would currently be worth ₹1,579,471 (multiplier 1.32×). XIRR: 5.36%. 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 - Direct Plan ranks #12 out of 25 funds in the Balanced Advantage Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 5.55%; this fund delivered 6.97%.

The worst peak-to-trough decline HDFC Balanced Advantage Fund - IDCW Plan - Direct Plan has experienced over the last 5-year window is 14.84% — 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 - Direct Plan averaged 3.63% (best 18.20%, worst -7.84%). 74% of rolling windows ended positive. The 5-year Sharpe ratio is 0.08 — weak risk-adjusted performance.

In calendar year 2025, HDFC Balanced Advantage Fund - IDCW Plan - Direct Plan returned 0.58% — lagging the Balanced Advantage Fund category average of 2.32% by 1.74 pp. It ranked #23 of 38 in its category that year.

HDFC Balanced Advantage Fund - IDCW 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 - IDCW 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: 14.8%. 5-year CAGR: 6.97%.

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