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: 6.57%.

HDFC

HDFC Balanced Advantage Fund - IDCW Plan - Direct Plan

Latest NAV

₹42.1540

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	+0.23%	+0.10%	+0.13	17 / 40	Q2
1W	-1.09%	-1.06%	-0.03	23 / 40	Q3
2W	-0.51%	-0.14%	-0.36	29 / 40	Q3
1M	-2.57%	-0.97%	-1.61	40 / 40	Q4
3M	-4.71%	-2.12%	-2.59	35 / 40	Q4
6M	-8.06%	-5.42%	-2.64	29 / 39	Q3
YTD	-7.95%	-5.40%	-2.55	31 / 39	Q4
1Y	-7.55%	-2.89%	-4.66	33 / 39	Q4
2Y	-4.65%	+0.02%	-4.67	34 / 38	Q4
3Y	+7.19%	+6.40%	+0.79	15 / 33	Q2
4Y	+7.66%	+6.36%	+1.30	12 / 29	Q2
5Y	+6.57%	+5.03%	+1.54	11 / 24	Q2
7Y	+4.23%	+6.18%	-1.95	17 / 22	Q4
10Y	+4.23%	+4.98%	-0.74	8 / 11	Q3
Inception	+2.50%	+5.66%	-3.16	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	-7.95%	-5.55%	-2.40	30 / 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%

152 windows

min -37.4% · max 46.2%

57% positive

3-Year rolling

+4.27%

128 windows

min -14.3% · max 19.1%

76% positive

5-Year rolling

+3.42%

103 windows

min -8.7% · max 16.5%

73% positive

7-Year rolling

+2.42%

79 windows

min -3.4% · max 6.5%

78% 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

9.93%

3-year · annualised

Sharpe ratio

0.10

vs risk-free 6.5%

Sortino ratio

0.15

Downside-only deviation

Max drawdown

-14.84%

Sep 2024 → Mar 2026

% positive months

55.6%

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	₹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
BANDHAN Balanced Advantage Fund Direct Plan IDCW	Bandhan	₹15.7720	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	₹42.1540
2 Jun 2026	₹42.2040
1 Jun 2026	₹42.1090
29 May 2026	₹42.3290
27 May 2026	₹42.7160
26 May 2026	₹42.6690
25 May 2026	₹43.0570
22 May 2026	₹42.6240
21 May 2026	₹42.5300
20 May 2026	₹42.4740

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 - IDCW Plan - Direct Plan is ₹42.1540. 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 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 - 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 -7.55% — -4.66 pp behind the Balanced Advantage Fund category average of -2.89%. The fund ranks #33 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 7.19% — +0.79 pp ahead of the Balanced Advantage Fund category average of 6.40%. The fund ranks #15 of 33 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 6.57% — +1.54 pp ahead of the Balanced Advantage Fund category average of 5.03%. The fund ranks #11 of 24 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 ₹151,393 today — a multiplier of 1.51×, based on the 10-year CAGR of 4.23%. The category average over the same window would have grown ₹1 lakh to ₹162,547.

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 ₹667,564 today. That's an XIRR (money-weighted annualised return) of 4.21%.

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 ₹1,542,435 (multiplier 1.29×). XIRR: 4.90%. 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 #11 out of 24 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 5.03%; this fund delivered 6.57%.

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 3.42% (best 16.48%, worst -8.70%). 73% of rolling windows ended positive. The 5-year Sharpe ratio is 0.05 — 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: 6.57%.

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