Should I invest in LIC MF Balanced Advantage Fund?

We don't give personal investment advice. LIC MF Balanced Advantage Fund-Direct Plan-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.

LIC

LIC MF Balanced Advantage Fund-Direct Plan-Growth

Latest NAV

₹14.0214

As of

3 Jun 2026

1,120 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	-0.46%	+0.09%	-0.55	36 / 37	Q4
1W	-1.88%	-1.03%	-0.86	36 / 37	Q4
2W	-0.57%	-0.05%	-0.52	30 / 37	Q4
1M	-1.63%	-0.84%	-0.79	29 / 37	Q4
3M	-1.23%	-0.70%	-0.53	24 / 37	Q3
6M	-4.41%	-2.95%	-1.47	25 / 36	Q3
YTD	-4.55%	-3.14%	-1.41	25 / 35	Q3
1Y	-3.75%	+1.34%	-5.09	34 / 35	Q4
2Y	+3.78%	+3.74%	+0.04	20 / 34	Q3
3Y	+7.81%	+9.42%	-1.61	27 / 29	Q4
4Y	+9.06%	+11.06%	-2.01	21 / 23	Q4
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+7.66%	+8.05%	-0.38	27 / 37	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	-4.55%	-3.14%	-1.41	25 / 35
2025	+4.33%	+6.42%	-2.09	28 / 34
2024	+13.85%	+14.12%	-0.27	18 / 31
2023	+14.96%	+19.93%	-4.97	26 / 26
2022	+7.27%	+5.24%	+2.02	4 / 23
2021	—	—	—	—

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

+10.70%

44 windows

min -3.8% · max 20.1%

98% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+11.22%

20 windows

min 7.8% · max 14.5%

100% positive

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

5-Year rolling

—

Insufficient history

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

7.89%

3-year · annualised

Sharpe ratio

0.19

vs risk-free 6.5%

Sortino ratio

0.31

Downside-only deviation

Max drawdown

-9.43%

Jun 2025 → Mar 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 - Growth Plan - Direct Plan	HDFC	₹549.0620	3 Jun 2026
Nippon India Balanced Advantage Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹201.7847	3 Jun 2026
SBI Balanced Advantage Fund - Direct Plan - Growth	SBI	₹16.3194	3 Jun 2026
ICICI Prudential Balanced Advantage Fund - Direct Plan - Growth	ICICI Prudential	₹84.1900	3 Jun 2026
Invesco India Balanced Advantage Fund - Direct Plan - Growth	Invesco	₹61.1200	3 Jun 2026
BANDHAN Balanced Advantage Fund Direct Plan Growth	Bandhan	₹28.4650	3 Jun 2026
quant Dynamic Asset Allocation Fund - Growth Option - Direct Plan	Quant	₹17.2733	3 Jun 2026
Aditya Birla Sun Life Balanced Advantage Fund - Direct Plan - Growth Option	Aditya Birla Sun Life	₹124.2700	3 Jun 2026
Motilal Oswal Balanced Advantage Fund (MOFDYNAMIC) - Direct Plan - Growth Option	Motilal Oswal	₹20.2454	3 Jun 2026
Franklin India Balanced Advantage Fund- Growth- Direct	Franklin India	₹14.8560	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹14.0214
2 Jun 2026	₹14.0865
1 Jun 2026	₹14.0901
29 May 2026	₹14.2138
27 May 2026	₹14.2905
26 May 2026	₹14.2540
25 May 2026	₹14.2796
22 May 2026	₹14.1218
21 May 2026	₹14.1097
20 May 2026	₹14.1013

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 LIC MF Balanced Advantage Fund-Direct Plan-Growth is ₹14.0214. It's a Balanced Advantage Fund from LIC, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

LIC MF Balanced Advantage Fund-Direct Plan-Growth has NAV history starting from 15 Nov 2021, a track record of about 4 years 6 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

LIC MF Balanced Advantage Fund-Direct Plan-Growth is managed by LIC. 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, LIC MF Balanced Advantage Fund-Direct Plan-Growth has delivered a absolute return of -3.75% — -5.09 pp behind the Balanced Advantage Fund category average of 1.34%. The fund ranks #34 of 35 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, LIC MF Balanced Advantage Fund-Direct Plan-Growth has delivered a CAGR of 7.81% — -1.61 pp behind the Balanced Advantage Fund category average of 9.42%. The fund ranks #27 of 29 in its category — the bottom (Q4) quartile.

LIC MF Balanced Advantage Fund-Direct Plan-Growth doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in LIC MF Balanced Advantage Fund-Direct Plan-Growth exactly 3 years ago would be worth approximately ₹125,321 today — a multiplier of 1.25×, based on the 3-year CAGR of 7.81%. The category average over the same window would have grown ₹1 lakh to ₹131,005.

A ₹10,000 monthly SIP in LIC MF Balanced Advantage Fund-Direct Plan-Growth over the last 3 years — total invested ₹360,000 — would be worth ₹379,871 today. That's an XIRR (money-weighted annualised return) of 3.52%.

LIC MF Balanced Advantage Fund-Direct Plan-Growth doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹379,871 — XIRR 3.52%.

On a 3-year basis, LIC MF Balanced Advantage Fund-Direct Plan-Growth ranks #27 out of 29 funds in the Balanced Advantage Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 9.42%; this fund delivered 7.81%.

The worst peak-to-trough decline LIC MF Balanced Advantage Fund-Direct Plan-Growth has experienced over the last 3-year window is 9.43% — its NAV fell from a high on 27 Jun 2025 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 3-year rolling windows, LIC MF Balanced Advantage Fund-Direct Plan-Growth averaged 11.22% (best 14.49%, worst 7.81%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.19 — weak risk-adjusted performance.

In calendar year 2025, LIC MF Balanced Advantage Fund-Direct Plan-Growth returned 4.33% — lagging the Balanced Advantage Fund category average of 6.42% by 2.09 pp. It ranked #28 of 34 in its category that year.

LIC MF Balanced Advantage Fund-Direct Plan-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. LIC MF Balanced Advantage Fund-Direct Plan-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.

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