Should I invest in NJ Balanced Advantage Fund?

We don't give personal investment advice. NJ Balanced Advantage Fund - Direct Plan - Growth 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.

NJ Balanced Advantage Fund - Direct Plan - Growth Option

Latest NAV

₹13.9600

As of

3 Jun 2026

1,128 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	-0.29%	+0.09%	-0.37	34 / 37	Q4
1W	-1.69%	-1.03%	-0.66	35 / 37	Q4
2W	-1.76%	-0.05%	-1.71	37 / 37	Q4
1M	-1.20%	-0.84%	-0.36	23 / 37	Q3
3M	+0.07%	-0.70%	+0.78	11 / 37	Q2
6M	-3.06%	-2.95%	-0.11	20 / 36	Q3
YTD	-3.32%	-3.14%	-0.19	19 / 35	Q3
1Y	-0.07%	+1.34%	-1.41	24 / 35	Q3
2Y	+1.17%	+3.74%	-2.57	30 / 34	Q4
3Y	+9.89%	+9.42%	+0.47	22 / 29	Q4
4Y	+10.25%	+11.06%	-0.82	16 / 23	Q3
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+7.52%	+8.05%	-0.53	29 / 37	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	-3.32%	-3.14%	-0.19	19 / 35
2025	+2.63%	+6.42%	-3.79	31 / 34
2024	+11.43%	+14.12%	-2.69	25 / 31
2023	+24.38%	+19.93%	+4.46	3 / 26
2022	+1.10%	+5.24%	-4.14	19 / 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

+11.77%

44 windows

min -3.1% · max 34.2%

86% positive

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

3-Year rolling

+12.23%

20 windows

min 9.2% · max 15.3%

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

8.77%

3-year · annualised

Sharpe ratio

0.39

vs risk-free 6.5%

Sortino ratio

0.65

Downside-only deviation

Max drawdown

-14.75%

Sep 2024 → Apr 2025

% 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	₹13.9600
2 Jun 2026	₹14.0000
1 Jun 2026	₹13.9800
29 May 2026	₹14.0600
27 May 2026	₹14.2000
26 May 2026	₹14.2100
25 May 2026	₹14.2400
22 May 2026	₹14.1800
21 May 2026	₹14.2000
20 May 2026	₹14.2100

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 NJ Balanced Advantage Fund - Direct Plan - Growth Option is ₹13.9600. It's a Balanced Advantage Fund from NJ, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

NJ Balanced Advantage Fund - Direct Plan - Growth Option has NAV history starting from 01 Nov 2021, a track record of about 4 years 7 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.

NJ Balanced Advantage Fund - Direct Plan - Growth Option is managed by NJ. 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, NJ Balanced Advantage Fund - Direct Plan - Growth Option has delivered a absolute return of -0.07% — -1.41 pp behind the Balanced Advantage Fund category average of 1.34%. The fund ranks #24 of 35 in its category — the third (Q3) quartile.

Over the trailing 3-year window, NJ Balanced Advantage Fund - Direct Plan - Growth Option has delivered a CAGR of 9.89% — +0.47 pp ahead of the Balanced Advantage Fund category average of 9.42%. The fund ranks #22 of 29 in its category — the bottom (Q4) quartile.

NJ Balanced Advantage Fund - Direct Plan - Growth Option 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 NJ Balanced Advantage Fund - Direct Plan - Growth Option exactly 3 years ago would be worth approximately ₹132,700 today — a multiplier of 1.33×, based on the 3-year CAGR of 9.89%. The category average over the same window would have grown ₹1 lakh to ₹131,005.

A ₹10,000 monthly SIP in NJ Balanced Advantage Fund - Direct Plan - Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹377,902 today. That's an XIRR (money-weighted annualised return) of 3.17%.

NJ Balanced Advantage Fund - Direct Plan - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹377,902 — XIRR 3.17%.

On a 3-year basis, NJ Balanced Advantage Fund - Direct Plan - Growth Option ranks #22 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 9.89%.

The worst peak-to-trough decline NJ Balanced Advantage Fund - Direct Plan - Growth Option has experienced over the last 3-year window is 14.75% — its NAV fell from a high on 03 Sep 2024 to a low on 07 Apr 2025. 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, NJ Balanced Advantage Fund - Direct Plan - Growth Option averaged 12.23% (best 15.32%, worst 9.25%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.39 — weak risk-adjusted performance.

In calendar year 2025, NJ Balanced Advantage Fund - Direct Plan - Growth Option returned 2.63% — lagging the Balanced Advantage Fund category average of 6.42% by 3.79 pp. It ranked #31 of 34 in its category that year.

NJ Balanced Advantage Fund - Direct Plan - Growth 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. NJ Balanced Advantage Fund - Direct Plan - Growth 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.

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