Should I invest in ITI Balanced Advantage Fund?

We don't give personal investment advice. ITI Balanced Advantage Fund - Direct Plan - IDCW Option 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: 12.9%. 5-year CAGR: 5.28%.

ITI

ITI Balanced Advantage Fund - Direct Plan - IDCW Option

Latest NAV

₹13.4931

As of

3 Jun 2026

1,580 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%	-0.33	35 / 40	Q4
1W	-0.48%	-1.06%	+0.57	7 / 40	Q1
2W	+0.46%	-0.14%	+0.60	6 / 40	Q1
1M	-0.38%	-0.97%	+0.58	7 / 40	Q1
3M	-2.43%	-2.12%	-0.31	24 / 40	Q3
6M	-7.17%	-5.42%	-1.75	27 / 39	Q3
YTD	-6.87%	-5.40%	-1.47	27 / 39	Q3
1Y	-4.92%	-2.89%	-2.03	27 / 39	Q3
2Y	-3.75%	+0.02%	-3.76	32 / 38	Q4
3Y	+4.77%	+6.40%	-1.63	22 / 33	Q3
4Y	+5.78%	+6.36%	-0.58	17 / 29	Q3
5Y	+5.28%	+5.03%	+0.26	12 / 24	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+4.67%	+5.66%	-1.00	23 / 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	-6.87%	-5.55%	-1.32	26 / 38
2025	-0.07%	+2.32%	-2.39	27 / 38
2024	+6.03%	+9.52%	-3.49	31 / 35
2023	+19.27%	+15.43%	+3.84	8 / 31
2022	-1.18%	+1.33%	-2.51	20 / 29
2021	+24.17%	+10.71%	+13.46	1 / 23
2020	-8.45%	+10.14%	-18.59	23 / 23

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

+9.23%

67 windows

min -9.8% · max 32.8%

72% positive

3-Year rolling

+9.58%

42 windows

min 3.5% · max 13.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+8.78%

18 windows

min 5.3% · max 11.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

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

8.13%

3-year · annualised

Sharpe ratio

-0.18

vs risk-free 6.5%

Sortino ratio

-0.26

Downside-only deviation

Max drawdown

-12.90%

Sep 2024 → Apr 2026

% positive months

69.4%

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
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

Recent NAVs

Date	NAV
3 Jun 2026	₹13.4931
2 Jun 2026	₹13.4797
1 Jun 2026	₹13.5111
29 May 2026	₹13.5576
27 May 2026	₹13.5756
26 May 2026	₹13.5452
25 May 2026	₹13.5339
22 May 2026	₹13.4249
21 May 2026	₹13.4252
20 May 2026	₹13.4283

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 ITI Balanced Advantage Fund - Direct Plan - IDCW Option is ₹13.4931. It's a Balanced Advantage Fund from ITI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ITI Balanced Advantage Fund - Direct Plan - IDCW Option has NAV history starting from 03 Jan 2020, a track record of about 6 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.

ITI Balanced Advantage Fund - Direct Plan - IDCW Option is managed by ITI. 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, ITI Balanced Advantage Fund - Direct Plan - IDCW Option has delivered a absolute return of -4.92% — -2.03 pp behind the Balanced Advantage Fund category average of -2.89%. The fund ranks #27 of 39 in its category — the third (Q3) quartile.

Over the trailing 3-year window, ITI Balanced Advantage Fund - Direct Plan - IDCW Option has delivered a CAGR of 4.77% — -1.63 pp behind the Balanced Advantage Fund category average of 6.40%. The fund ranks #22 of 33 in its category — the third (Q3) quartile.

Over the trailing 5-year window, ITI Balanced Advantage Fund - Direct Plan - IDCW Option has delivered a CAGR of 5.28% — +0.26 pp ahead of the Balanced Advantage Fund category average of 5.03%. The fund ranks #12 of 24 in its category — the second (Q2) quartile.

₹1 lakh invested in ITI Balanced Advantage Fund - Direct Plan - IDCW Option exactly 5 years ago would be worth approximately ₹129,355 today — a multiplier of 1.29×, based on the 5-year CAGR of 5.28%. The category average over the same window would have grown ₹1 lakh to ₹127,784.

A ₹10,000 monthly SIP in ITI Balanced Advantage Fund - Direct Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹645,017 today. That's an XIRR (money-weighted annualised return) of 2.85%.

ITI Balanced Advantage Fund - Direct Plan - IDCW Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹645,017 — XIRR 2.85%.

On a 5-year basis, ITI Balanced Advantage Fund - Direct Plan - IDCW Option ranks #12 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 5.28%.

The worst peak-to-trough decline ITI Balanced Advantage Fund - Direct Plan - IDCW Option has experienced over the last 5-year window is 12.90% — its NAV fell from a high on 27 Sep 2024 to a low on 01 Apr 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, ITI Balanced Advantage Fund - Direct Plan - IDCW Option averaged 8.78% (best 11.34%, worst 5.28%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.13 — negative risk-adjusted performance.

In calendar year 2025, ITI Balanced Advantage Fund - Direct Plan - IDCW Option returned -0.07% — lagging the Balanced Advantage Fund category average of 2.32% by 2.39 pp. It ranked #27 of 38 in its category that year.

ITI Balanced Advantage Fund - Direct Plan - IDCW Option 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. ITI Balanced Advantage Fund - Direct Plan - IDCW Option 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: 12.9%. 5-year CAGR: 5.28%.

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