Should I invest in NJ Balanced Advantage Fund?

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

Latest NAV

₹14.4800

As of

17 Jul 2026

1,159 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	+0.21%	+0.25%	-0.04	28 / 40	Q3
1W	+0.28%	+0.02%	+0.25	5 / 40	Q1
2W	+0.35%	+0.17%	+0.17	11 / 40	Q2
1M	+1.90%	+1.06%	+0.84	5 / 40	Q1
3M	+3.06%	+1.36%	+1.70	8 / 40	Q1
6M	+0.77%	-1.69%	+2.45	9 / 39	Q1
YTD	+0.28%	-2.78%	+3.05	7 / 39	Q1
1Y	-0.21%	-1.91%	+1.71	16 / 39	Q2
2Y	-0.41%	-0.35%	-0.07	20 / 39	Q3
3Y	+10.00%	+6.02%	+3.98	4 / 34	Q1
4Y	+11.23%	+7.17%	+4.06	4 / 31	Q1
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+8.15%	+6.11%	+2.05	11 / 40	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	+0.28%	-2.86%	+3.14	6 / 38
2025	+2.63%	+2.32%	+0.31	20 / 38
2024	+11.43%	+9.52%	+1.91	9 / 35
2023	+24.38%	+15.43%	+8.96	1 / 31
2022	+1.10%	+1.33%	-0.23	15 / 29
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

+11.43%

46 windows

min -3.2% · max 35.7%

91% positive

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

3-Year rolling

+12.52%

21 windows

min 10.0% · max 15.4%

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

8.52%

3-year · annualised

Sharpe ratio

0.40

vs risk-free 6.5%

Sortino ratio

0.69

Downside-only deviation

Max drawdown

-14.75%

Sep 2024 → Apr 2025

% positive months

66.7%

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 - IDCW Plan - Direct Plan	HDFC	₹43.5770	17 Jul 2026
NIPPON INDIA BALANCED ADVANTAGE FUND - DIRECT Plan - IDCW Option	Nippon India	₹46.1264	17 Jul 2026
SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.7267	17 Jul 2026
ICICI Prudential Balanced Advantage Fund - Direct Plan - IDCW	ICICI Prudential	₹29.7400	17 Jul 2026
Invesco India Balanced Advantage Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹21.9800	17 Jul 2026
BANDHAN Balanced Advantage Fund Direct Plan IDCW	Bandhan	₹16.3950	17 Jul 2026
quant Dynamic Asset Allocation Fund - IDCW Option - Direct Plan	Quant	₹17.5260	17 Jul 2026
Aditya Birla Sun Life Balanced Advantage Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹30.4200	17 Jul 2026
Motilal Oswal Balanced Advantage Fund Direct - Annual IDCW Payout/Reinvestment	Motilal Oswal	₹13.3545	17 Jul 2026
Franklin India Balanced Advantage Fund- IDCW- Direct	Franklin India	₹13.7641	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹14.4800
16 Jul 2026	₹14.4500
15 Jul 2026	₹14.4700
14 Jul 2026	₹14.4500
13 Jul 2026	₹14.4700
10 Jul 2026	₹14.4400
9 Jul 2026	₹14.4200
8 Jul 2026	₹14.3700
7 Jul 2026	₹14.5100
6 Jul 2026	₹14.5000

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 NJ Balanced Advantage Fund - Direct Plan - IDCW Payout Option is ₹14.4800. It's a Balanced Advantage Fund from NJ, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

NJ Balanced Advantage Fund - Direct Plan - IDCW Payout Option has NAV history starting from 01 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.

NJ Balanced Advantage Fund - Direct Plan - IDCW Payout 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 - IDCW Payout Option has delivered a absolute return of -0.21% — +1.71 pp ahead of the Balanced Advantage Fund category average of -1.91%. The fund ranks #16 of 39 in its category — the second (Q2) quartile.

Over the trailing 3-year window, NJ Balanced Advantage Fund - Direct Plan - IDCW Payout Option has delivered a CAGR of 10.00% — +3.98 pp ahead of the Balanced Advantage Fund category average of 6.02%. The fund ranks #4 of 34 in its category — the top (Q1) quartile.

NJ Balanced Advantage Fund - Direct Plan - IDCW Payout 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 - IDCW Payout Option exactly 3 years ago would be worth approximately ₹133,088 today — a multiplier of 1.33×, based on the 3-year CAGR of 10.00%. The category average over the same window would have grown ₹1 lakh to ₹119,170.

A ₹10,000 monthly SIP in NJ Balanced Advantage Fund - Direct Plan - IDCW Payout Option over the last 3 years — total invested ₹360,000 — would be worth ₹386,123 today. That's an XIRR (money-weighted annualised return) of 4.60%.

NJ Balanced Advantage Fund - Direct Plan - IDCW Payout Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹386,123 — XIRR 4.60%.

On a 3-year basis, NJ Balanced Advantage Fund - Direct Plan - IDCW Payout Option ranks #4 out of 34 funds in the Balanced Advantage Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 6.02%; this fund delivered 10.00%.

The worst peak-to-trough decline NJ Balanced Advantage Fund - Direct Plan - IDCW Payout 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 - IDCW Payout Option averaged 12.52% (best 15.44%, worst 10.00%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.40 — weak risk-adjusted performance.

In calendar year 2025, NJ Balanced Advantage Fund - Direct Plan - IDCW Payout Option returned 2.63% — beating the Balanced Advantage Fund category average of 2.32% by 0.31 pp. It ranked #20 of 38 in its category that year.

NJ Balanced Advantage Fund - Direct Plan - IDCW Payout 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 - IDCW Payout 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.