Should I invest in NJ Balanced Advantage Fund?

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

Latest NAV

₹13.1500

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	-0.30%	+0.06%	-0.36	27 / 29	Q4
1W	-1.72%	-1.09%	-0.63	27 / 29	Q4
2W	-1.79%	-0.16%	-1.63	29 / 29	Q4
1M	-1.35%	-0.90%	-0.45	18 / 29	Q3
3M	-0.30%	-0.84%	+0.54	11 / 29	Q2
6M	-3.66%	-3.30%	-0.37	17 / 28	Q3
YTD	-3.87%	-3.44%	-0.43	16 / 28	Q3
1Y	-1.35%	+0.16%	-1.51	21 / 28	Q3
2Y	-0.11%	+2.44%	-2.55	23 / 26	Q4
3Y	+8.48%	+9.52%	-1.04	16 / 21	Q4
4Y	+8.81%	+9.20%	-0.38	11 / 17	Q3
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.13%	+7.44%	-1.32	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	-3.87%	-3.44%	-0.43	16 / 28
2025	+1.33%	+4.78%	-3.45	24 / 27
2024	+10.05%	+12.20%	-2.15	18 / 24
2023	+22.77%	+17.99%	+4.78	2 / 19
2022	-0.20%	+2.63%	-2.83	13 / 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

+10.33%

44 windows

min -4.4% · max 32.4%

80% positive

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

3-Year rolling

+10.79%

20 windows

min 7.8% · max 13.9%

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

8.78%

3-year · annualised

Sharpe ratio

0.24

vs risk-free 6.5%

Sortino ratio

0.39

Downside-only deviation

Max drawdown

-15.44%

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
SBI Balanced Advantage Fund - Regular Plan - Growth	SBI	₹15.5940	3 Jun 2026
BANDHAN Balanced Advantage Fund Regular Plan Growth	Bandhan	₹24.3470	3 Jun 2026
quant Dynamic Asset Allocation Fund - Growth Option - Regular Plan	Quant	₹16.4736	3 Jun 2026
Aditya Birla Sun Life Balanced Advantage Fund - Regular Plan - Growth Option	Aditya Birla Sun Life	₹108.4300	3 Jun 2026
Motilal Oswal Balanced Advantage Fund (MOFDYNAMIC) - Regular Plan - Growth Option	Motilal Oswal	₹18.0059	3 Jun 2026
Mirae Asset Balanced Advantage Fund Regular Plan- Growth	Mirae Asset	₹14.1940	3 Jun 2026
Kotak Balanced Advantage Fund -Regular Plan - Growth Option	Kotak	₹20.3520	3 Jun 2026
Parag Parikh Dynamic Asset Allocation Fund - Regular Plan Growth	Parag Parikh	₹11.5386	3 Jun 2026
DSP Dynamic Asset Allocation Fund - Regular Plan - Growth	DSP	₹27.8240	3 Jun 2026
HSBC Balanced Advantage Fund - Regular Growth	HSBC	₹42.5324	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹13.1500
2 Jun 2026	₹13.1900
1 Jun 2026	₹13.1700
29 May 2026	₹13.2500
27 May 2026	₹13.3800
26 May 2026	₹13.3900
25 May 2026	₹13.4200
22 May 2026	₹13.3600
21 May 2026	₹13.3800
20 May 2026	₹13.3900

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 - Regular Plan - Growth Option is ₹13.1500. It's a Balanced Advantage Fund from NJ, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

NJ Balanced Advantage Fund - Regular 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 - Regular 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 - Regular Plan - Growth Option has delivered a absolute return of -1.35% — -1.51 pp behind the Balanced Advantage Fund category average of 0.16%. The fund ranks #21 of 28 in its category — the third (Q3) quartile.

Over the trailing 3-year window, NJ Balanced Advantage Fund - Regular Plan - Growth Option has delivered a CAGR of 8.48% — -1.04 pp behind the Balanced Advantage Fund category average of 9.52%. The fund ranks #16 of 21 in its category — the bottom (Q4) quartile.

NJ Balanced Advantage Fund - Regular 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 - Regular Plan - Growth Option exactly 3 years ago would be worth approximately ₹127,670 today — a multiplier of 1.28×, based on the 3-year CAGR of 8.48%. The category average over the same window would have grown ₹1 lakh to ₹131,372.

A ₹10,000 monthly SIP in NJ Balanced Advantage Fund - Regular Plan - Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹370,157 today. That's an XIRR (money-weighted annualised return) of 1.81%.

NJ Balanced Advantage Fund - Regular 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 ₹370,157 — XIRR 1.81%.

On a 3-year basis, NJ Balanced Advantage Fund - Regular Plan - Growth Option ranks #16 out of 21 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 9.52%; this fund delivered 8.48%.

The worst peak-to-trough decline NJ Balanced Advantage Fund - Regular Plan - Growth Option has experienced over the last 3-year window is 15.44% — 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 - Regular Plan - Growth Option averaged 10.79% (best 13.87%, worst 7.82%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.24 — weak risk-adjusted performance.

In calendar year 2025, NJ Balanced Advantage Fund - Regular Plan - Growth Option returned 1.33% — lagging the Balanced Advantage Fund category average of 4.78% by 3.45 pp. It ranked #24 of 27 in its category that year.

NJ Balanced Advantage Fund - Regular 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 - Regular 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.