Should I invest in ITI Balanced Advantage Fund?

We don't give personal investment advice. ITI Balanced Advantage Fund - Regular 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: 16.2%. 5-year CAGR: 2.95%.

ITI

ITI Balanced Advantage Fund - Regular Plan - IDCW Option

Latest NAV

₹11.6968

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	-0.24%	+0.06%	-0.29	25 / 30	Q4
1W	-0.52%	-1.17%	+0.66	5 / 30	Q1
2W	+0.39%	-0.27%	+0.66	5 / 30	Q1
1M	-0.51%	-1.07%	+0.56	5 / 30	Q1
3M	-2.95%	-2.52%	-0.43	18 / 30	Q3
6M	-8.26%	-6.27%	-1.99	20 / 29	Q3
YTD	-7.74%	-6.12%	-1.62	21 / 29	Q3
1Y	-7.15%	-3.77%	-3.38	21 / 29	Q3
2Y	-6.10%	-1.59%	-4.51	25 / 28	Q4
3Y	+2.34%	+4.95%	-2.61	16 / 23	Q3
4Y	+3.41%	+5.01%	-1.60	14 / 20	Q3
5Y	+2.95%	+3.40%	-0.45	8 / 16	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+2.37%	+4.43%	-2.07	21 / 30	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	-7.74%	-6.12%	-1.62	21 / 29
2025	-2.52%	+0.96%	-3.48	22 / 29
2024	+3.33%	+7.99%	-4.66	24 / 26
2023	+16.98%	+14.79%	+2.18	8 / 22
2022	-3.10%	-0.33%	-2.78	12 / 20
2021	+21.43%	+9.21%	+12.22	1 / 15
2020	-10.35%	+10.06%	-20.41	15 / 15

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

+6.84%

67 windows

min -11.6% · max 30.1%

58% positive

3-Year rolling

+7.22%

42 windows

min 1.4% · max 11.6%

100% positive

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

5-Year rolling

+6.39%

18 windows

min 3.0% · max 8.9%

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

8.17%

3-year · annualised

Sharpe ratio

-0.47

vs risk-free 6.5%

Sortino ratio

-0.63

Downside-only deviation

Max drawdown

-16.18%

Sep 2024 → Apr 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
SBI Balanced Advantage Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹15.5942	3 Jun 2026
BANDHAN Balanced Advantage Fund Regular Plan IDCW	Bandhan	₹13.5770	3 Jun 2026
quant Dynamic Asset Allocation Fund - IDCW Option - Regular Plan	Quant	₹16.4751	3 Jun 2026
Aditya Birla Sun Life Balanced Advantage Fund -REGULAR - IDCW	Aditya Birla Sun Life	₹25.6600	3 Jun 2026
Motilal Oswal Balanced Advantage Fund (MOFDYNAMIC) - Regular Plan - Annual Dividend Payout Option	Motilal Oswal	₹12.1397	3 Jun 2026
Mirae Asset Balanced Advantage Fund Regular Plan IDCW	Mirae Asset	₹13.0780	3 Jun 2026
Kotak Balanced Advantage Fund - Regular Plan - Payout of Income Distribution cum capital withdrawal option Option	Kotak	₹20.3530	3 Jun 2026
Parag Parikh Dynamic Asset Allocation Fund - Regular Plan - Monthly IDCW Reinvestment	Parag Parikh	₹10.0013	3 Jun 2026
Edelweiss Balanced Advantage Fund - Regular Plan - Monthly - IDCW Option	Edelweiss	₹20.2100	3 Jun 2026
DSP Dynamic Asset Allocation Fund - Regular Plan - IDCW - Monthly	DSP	₹13.7540	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹11.6968
2 Jun 2026	₹11.6857
1 Jun 2026	₹11.7134
29 May 2026	₹11.7553
27 May 2026	₹11.7720
26 May 2026	₹11.7462
25 May 2026	₹11.7369
22 May 2026	₹11.6440
21 May 2026	₹11.6447
20 May 2026	₹11.6480

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 - Regular Plan - IDCW Option is ₹11.6968. It's a Balanced Advantage Fund from ITI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ITI Balanced Advantage Fund - Regular 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 - Regular 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 - Regular Plan - IDCW Option has delivered a absolute return of -7.15% — -3.38 pp behind the Balanced Advantage Fund category average of -3.77%. The fund ranks #21 of 29 in its category — the third (Q3) quartile.

Over the trailing 3-year window, ITI Balanced Advantage Fund - Regular Plan - IDCW Option has delivered a CAGR of 2.34% — -2.61 pp behind the Balanced Advantage Fund category average of 4.95%. The fund ranks #16 of 23 in its category — the third (Q3) quartile.

Over the trailing 5-year window, ITI Balanced Advantage Fund - Regular Plan - IDCW Option has delivered a CAGR of 2.95% — -0.45 pp behind the Balanced Advantage Fund category average of 3.40%. The fund ranks #8 of 16 in its category — the second (Q2) quartile.

₹1 lakh invested in ITI Balanced Advantage Fund - Regular Plan - IDCW Option exactly 5 years ago would be worth approximately ₹115,655 today — a multiplier of 1.16×, based on the 5-year CAGR of 2.95%. The category average over the same window would have grown ₹1 lakh to ₹118,222.

A ₹10,000 monthly SIP in ITI Balanced Advantage Fund - Regular Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹606,343 today. That's an XIRR (money-weighted annualised return) of 0.41%.

ITI Balanced Advantage Fund - Regular 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 ₹606,343 — XIRR 0.41%.

On a 5-year basis, ITI Balanced Advantage Fund - Regular Plan - IDCW Option ranks #8 out of 16 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 3.40%; this fund delivered 2.95%.

The worst peak-to-trough decline ITI Balanced Advantage Fund - Regular Plan - IDCW Option has experienced over the last 5-year window is 16.18% — 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 - Regular Plan - IDCW Option averaged 6.39% (best 8.92%, worst 2.95%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.43 — negative risk-adjusted performance.

In calendar year 2025, ITI Balanced Advantage Fund - Regular Plan - IDCW Option returned -2.52% — lagging the Balanced Advantage Fund category average of 0.96% by 3.48 pp. It ranked #22 of 29 in its category that year.

ITI Balanced Advantage Fund - Regular 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 - Regular 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: 16.2%. 5-year CAGR: 2.95%.

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