Should I invest in LIC MF Balanced Advantage Fund?

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

Latest NAV

₹13.5652

As of

17 Jul 2026

1,151 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	-0.38%	+0.26%	-0.64	28 / 29	Q4
1W	-0.62%	+0.04%	-0.66	28 / 29	Q4
2W	+0.46%	+0.19%	+0.27	6 / 29	Q1
1M	+1.86%	+1.19%	+0.67	4 / 29	Q1
3M	+1.93%	+1.94%	-0.01	16 / 29	Q3
6M	+0.07%	+0.63%	-0.56	21 / 28	Q3
YTD	-1.05%	-0.42%	-0.63	19 / 28	Q3
1Y	-2.84%	+1.26%	-4.10	26 / 28	Q4
2Y	+2.09%	+2.10%	-0.01	18 / 27	Q3
3Y	+6.26%	+9.03%	-2.78	19 / 22	Q4
4Y	+8.43%	+10.07%	-1.64	16 / 18	Q4
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.71%	+8.01%	-1.30	22 / 29	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	-1.05%	-0.42%	-0.63	19 / 28
2025	+2.77%	+4.78%	-2.01	22 / 27
2024	+12.02%	+12.20%	-0.17	12 / 24
2023	+13.01%	+17.99%	-4.98	19 / 19
2022	+5.38%	+2.63%	+2.75	3 / 17
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

+8.91%

45 windows

min -5.1% · max 19.4%

91% positive

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

3-Year rolling

+9.60%

21 windows

min 6.3% · max 13.1%

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

7.69%

3-year · annualised

Sharpe ratio

-0.01

vs risk-free 6.5%

Sortino ratio

-0.01

Downside-only deviation

Max drawdown

-10.41%

Jun 2025 → 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 Balanced Advantage Fund

Scheme	Fund house	NAV	As of
SBI Balanced Advantage Fund - Regular Plan - Growth	SBI	₹15.9675	17 Jul 2026
BANDHAN Balanced Advantage Fund Regular Plan Growth	Bandhan	₹25.2700	17 Jul 2026
quant Dynamic Asset Allocation Fund - Growth Option - Regular Plan	Quant	₹16.6910	17 Jul 2026
Aditya Birla Sun Life Balanced Advantage Fund - Regular Plan - Growth Option	Aditya Birla Sun Life	₹112.5300	17 Jul 2026
Motilal Oswal Balanced Advantage Fund (MOFDYNAMIC) - Regular Plan - Growth Option	Motilal Oswal	₹18.5358	17 Jul 2026
Mirae Asset Balanced Advantage Fund Regular Plan- Growth	Mirae Asset	₹14.6500	17 Jul 2026
Kotak Balanced Advantage Fund -Regular Plan - Growth Option	Kotak	₹21.1310	17 Jul 2026
Parag Parikh Dynamic Asset Allocation Fund - Regular Plan Growth	Parag Parikh	₹11.7708	17 Jul 2026
DSP Dynamic Asset Allocation Fund - Regular Plan - Growth	DSP	₹28.8930	17 Jul 2026
HSBC Balanced Advantage Fund - Regular Growth	HSBC	₹43.8659	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹13.5652
16 Jul 2026	₹13.6169
15 Jul 2026	₹13.6346
14 Jul 2026	₹13.5449
13 Jul 2026	₹13.6061
10 Jul 2026	₹13.6503
9 Jul 2026	₹13.5201
8 Jul 2026	₹13.3797
7 Jul 2026	₹13.5712
6 Jul 2026	₹13.6108

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 17 Jul 2026, the NAV of LIC MF Balanced Advantage Fund-Regular Plan-Growth is ₹13.5652. It's a Balanced Advantage Fund from LIC, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

LIC MF Balanced Advantage Fund-Regular Plan-Growth has NAV history starting from 15 Nov 2021, a track record of about 4 years 8 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-Regular 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-Regular Plan-Growth has delivered a absolute return of -2.84% — -4.1 pp behind the Balanced Advantage Fund category average of 1.26%. The fund ranks #26 of 28 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, LIC MF Balanced Advantage Fund-Regular Plan-Growth has delivered a CAGR of 6.26% — -2.78 pp behind the Balanced Advantage Fund category average of 9.03%. The fund ranks #19 of 22 in its category — the bottom (Q4) quartile.

LIC MF Balanced Advantage Fund-Regular 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-Regular Plan-Growth exactly 3 years ago would be worth approximately ₹119,971 today — a multiplier of 1.20×, based on the 3-year CAGR of 6.26%. The category average over the same window would have grown ₹1 lakh to ₹129,623.

A ₹10,000 monthly SIP in LIC MF Balanced Advantage Fund-Regular Plan-Growth over the last 3 years — total invested ₹360,000 — would be worth ₹382,956 today. That's an XIRR (money-weighted annualised return) of 4.05%.

LIC MF Balanced Advantage Fund-Regular 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 ₹382,956 — XIRR 4.05%.

On a 3-year basis, LIC MF Balanced Advantage Fund-Regular Plan-Growth ranks #19 out of 22 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 9.03%; this fund delivered 6.26%.

The worst peak-to-trough decline LIC MF Balanced Advantage Fund-Regular Plan-Growth has experienced over the last 3-year window is 10.41% — its NAV fell from a high on 27 Jun 2025 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 3-year rolling windows, LIC MF Balanced Advantage Fund-Regular Plan-Growth averaged 9.60% (best 13.07%, worst 6.26%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.01 — negative risk-adjusted performance.

In calendar year 2025, LIC MF Balanced Advantage Fund-Regular Plan-Growth returned 2.77% — lagging the Balanced Advantage Fund category average of 4.78% by 2.01 pp. It ranked #22 of 27 in its category that year.

LIC MF Balanced Advantage Fund-Regular 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-Regular 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.