Should I invest in JM Balanced Fund?

We don't give personal investment advice. JM Balanced Fund-Growth 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: 19.0%. 5-year CAGR: 12.46%.

JM Financial

JM Balanced Fund-Growth

Latest NAV

₹112.6751

As of

3 Jun 2026

4,969 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	-0.43%	+10.29%	-10.72	34 / 37	Q4
1W	-2.09%	+9.11%	-11.20	36 / 37	Q4
2W	-1.23%	+9.94%	-11.18	32 / 37	Q4
1M	-1.97%	+9.09%	-11.06	26 / 37	Q3
3M	-0.51%	+8.02%	-8.53	12 / 37	Q2
6M	-6.75%	+5.31%	-12.06	21 / 36	Q3
YTD	-5.82%	+4.85%	-10.67	16 / 36	Q2
1Y	-3.82%	+7.28%	-11.10	19 / 36	Q3
2Y	-2.21%	+3.65%	-5.86	20 / 36	Q3
3Y	+13.94%	+9.44%	+4.49	7 / 36	Q1
4Y	+15.21%	+9.24%	+5.96	5 / 35	Q1
5Y	+12.46%	+8.27%	+4.18	7 / 33	Q1
7Y	+15.10%	+8.65%	+6.45	4 / 30	Q1
10Y	+11.53%	+7.76%	+3.77	8 / 28	Q2
Inception	+8.82%	+7.16%	+1.66	16 / 37	Q2

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	-5.82%	-6.67%	+0.86	11 / 31
2025	-3.56%	+13.04%	-16.60	29 / 34
2024	+26.23%	+11.71%	+14.52	1 / 34
2023	+33.40%	+15.66%	+17.74	1 / 34
2022	+8.05%	+1.00%	+7.06	5 / 34
2021	+22.32%	+21.44%	+0.88	19 / 34
2020	+30.71%	+9.68%	+21.03	3 / 34
2019	-8.24%	+3.54%	-11.79	31 / 32
2018	+2.31%	-7.66%	+9.97	2 / 32
2017	+17.72%	+16.43%	+1.29	14 / 32
2016	+2.90%	+2.00%	+0.90	15 / 26

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

+12.21%

234 windows

min -57.5% · max 78.2%

74% positive

3-Year rolling

+10.19%

210 windows

min -11.2% · max 29.6%

85% positive

5-Year rolling

+10.16%

185 windows

min -5.9% · max 27.4%

88% positive

7-Year rolling

+9.83%

161 windows

min 1.1% · max 16.5%

100% 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

12.77%

3-year · annualised

Sharpe ratio

0.59

vs risk-free 6.5%

Sortino ratio

1.02

Downside-only deviation

Max drawdown

-19.03%

Sep 2024 → Mar 2026

% positive months

61.1%

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 Aggressive Hybrid Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA AGGRESSIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Magnum Balanced Fund - Dividend	SBI	₹65.1273	3 Jun 2026
ICICI Prudential Balanced Plan-Dividend	ICICI Prudential	₹42.1200	3 Jun 2026
FT India Balanced Fund-Dividend Plan	Franklin Templeton	₹27.5483	3 Jun 2026
Kotak Balance	Kotak Mahindra	₹36.6150	3 Jun 2026
DSP BlackRock Balanced Fund-Dividend	DSP BlackRock	₹26.1570	3 Jun 2026
Canara Robeco Balance - Dividend Plan	Canara Robeco	₹89.4500	3 Jun 2026
UTI â€“ Balanced Fund-Growth	UTI	₹393.2851	3 Jun 2026
PGIM India Aggressive Hybrid Equity Fund - Dividend Option	PGIM India	₹13.4500	2 Jun 2026
Birla Sun Life 95 Fund-Plan A (Dividend)	Birla Sun Life	₹163.8600	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹112.6751
2 Jun 2026	₹113.1615
1 Jun 2026	₹113.0059
29 May 2026	₹113.8435
27 May 2026	₹115.0831
26 May 2026	₹115.1892
25 May 2026	₹115.1734
22 May 2026	₹113.9177
21 May 2026	₹113.8268
20 May 2026	₹114.0813

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 JM Balanced Fund-Growth is ₹112.6751. It's a Aggressive Hybrid Fund from JM Financial, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

JM Balanced Fund-Growth has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 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.

JM Balanced Fund-Growth is managed by JM Financial. It's classified by AMFI under the 'Aggressive Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, JM Balanced Fund-Growth has delivered a absolute return of -3.82% — -11.1 pp behind the Aggressive Hybrid Fund category average of 7.28%. The fund ranks #19 of 36 in its category — the third (Q3) quartile.

Over the trailing 3-year window, JM Balanced Fund-Growth has delivered a CAGR of 13.94% — +4.49 pp ahead of the Aggressive Hybrid Fund category average of 9.44%. The fund ranks #7 of 36 in its category — the top (Q1) quartile.

Over the trailing 5-year window, JM Balanced Fund-Growth has delivered a CAGR of 12.46% — +4.18 pp ahead of the Aggressive Hybrid Fund category average of 8.27%. The fund ranks #7 of 33 in its category — the top (Q1) quartile.

₹1 lakh invested in JM Balanced Fund-Growth exactly 10 years ago would be worth approximately ₹297,693 today — a multiplier of 2.98×, based on the 10-year CAGR of 11.53%. The category average over the same window would have grown ₹1 lakh to ₹211,131.

A ₹10,000 monthly SIP in JM Balanced Fund-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹768,857 today. That's an XIRR (money-weighted annualised return) of 9.85%.

A ₹10,000 monthly SIP for 10 years in JM Balanced Fund-Growth = ₹1,200,000 invested. It would currently be worth ₹2,334,663 (multiplier 1.95×). XIRR: 12.77%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, JM Balanced Fund-Growth ranks #7 out of 33 funds in the Aggressive Hybrid Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 8.27%; this fund delivered 12.46%.

The worst peak-to-trough decline JM Balanced Fund-Growth has experienced over the last 5-year window is 19.03% — its NAV fell from a high on 23 Sep 2024 to a low on 31 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, JM Balanced Fund-Growth averaged 10.16% (best 27.39%, worst -5.95%). 88% of rolling windows ended positive. The 5-year Sharpe ratio is 0.49 — weak risk-adjusted performance.

In calendar year 2025, JM Balanced Fund-Growth returned -3.56% — lagging the Aggressive Hybrid Fund category average of 13.04% by 16.60 pp. It ranked #29 of 34 in its category that year.

JM Balanced Fund-Growth 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. JM Balanced Fund-Growth 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: 19.0%. 5-year CAGR: 12.46%.

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