Should I invest in PGIM India Balanced Advantage Fund?

We don't give personal investment advice. PGIM India Balanced Advantage Fund - Direct Plan - Dividend 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. Worst 5-year drawdown: 22.7%. 5-year CAGR: -0.19%.

PGIM India

PGIM India Balanced Advantage Fund - Direct Plan - Dividend Option

Latest NAV

₹10.5500

As of

3 Jun 2026

1,308 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%	+0.10%	+0.28	3 / 40	Q1
1W	-1.12%	-1.06%	-0.06	27 / 40	Q3
2W	-0.09%	-0.14%	+0.05	21 / 40	Q3
1M	-1.49%	-0.97%	-0.52	29 / 40	Q3
3M	-10.63%	-2.12%	-8.52	40 / 40	Q4
6M	-13.62%	-5.42%	-8.20	38 / 39	Q4
YTD	-13.27%	-5.40%	-7.87	39 / 39	Q4
1Y	-9.95%	-2.89%	-7.06	38 / 39	Q4
2Y	-4.94%	+0.02%	-4.96	35 / 38	Q4
3Y	-0.84%	+6.40%	-7.23	33 / 33	Q4
4Y	+0.07%	+6.36%	-6.29	29 / 29	Q4
5Y	-0.19%	+5.03%	-5.21	22 / 24	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.76%	+5.66%	-4.90	37 / 40	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	-13.27%	-5.55%	-7.72	38 / 38
2025	-1.69%	+2.32%	-4.01	31 / 38
2024	+2.23%	+9.52%	-7.29	35 / 35
2023	+7.08%	+15.43%	-8.35	31 / 31
2022	-2.94%	+1.33%	-4.27	23 / 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

+1.68%

53 windows

min -9.9% · max 14.4%

55% positive

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

3-Year rolling

+2.52%

29 windows

min -1.0% · max 5.8%

90% positive

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

5-Year rolling

+1.27%

5 windows

min -0.2% · max 3.0%

60% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

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

12.62%

3-year · annualised

Sharpe ratio

-0.52

vs risk-free 6.5%

Sortino ratio

-0.61

Downside-only deviation

Max drawdown

-22.66%

Sep 2024 → Mar 2026

% positive months

63.9%

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	₹42.1540	3 Jun 2026
NIPPON INDIA BALANCED ADVANTAGE FUND - DIRECT Plan - IDCW Option	Nippon India	₹44.6090	3 Jun 2026
SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.3197	3 Jun 2026
ICICI Prudential Balanced Advantage Fund - Direct Plan - IDCW	ICICI Prudential	₹28.5800	3 Jun 2026
Invesco India Balanced Advantage Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹21.5000	3 Jun 2026
BANDHAN Balanced Advantage Fund Direct Plan IDCW	Bandhan	₹15.7720	3 Jun 2026
quant Dynamic Asset Allocation Fund - IDCW Option - Direct Plan	Quant	₹17.2675	3 Jun 2026
Aditya Birla Sun Life Balanced Advantage Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹29.4500	3 Jun 2026
Motilal Oswal Balanced Advantage Fund Direct - Annual IDCW Payout/Reinvestment	Motilal Oswal	₹12.9530	3 Jun 2026
Franklin India Balanced Advantage Fund- IDCW- Direct	Franklin India	₹13.2612	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.5500
2 Jun 2026	₹10.5900
1 Jun 2026	₹10.5500
29 May 2026	₹10.6200
27 May 2026	₹10.7300
26 May 2026	₹10.7100
25 May 2026	₹10.7400
22 May 2026	₹10.6500
21 May 2026	₹10.6200
20 May 2026	₹10.6200

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 PGIM India Balanced Advantage Fund - Direct Plan - Dividend Option is ₹10.5500. It's a Balanced Advantage Fund from PGIM India, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

PGIM India Balanced Advantage Fund - Direct Plan - Dividend Option has NAV history starting from 08 Feb 2021, a track record of about 5 years 3 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

PGIM India Balanced Advantage Fund - Direct Plan - Dividend Option is managed by PGIM India. 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, PGIM India Balanced Advantage Fund - Direct Plan - Dividend Option has delivered a absolute return of -9.95% — -7.06 pp behind the Balanced Advantage Fund category average of -2.89%. The fund ranks #38 of 39 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, PGIM India Balanced Advantage Fund - Direct Plan - Dividend Option has delivered a CAGR of -0.84% — -7.23 pp behind the Balanced Advantage Fund category average of 6.40%. The fund ranks #33 of 33 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, PGIM India Balanced Advantage Fund - Direct Plan - Dividend Option has delivered a CAGR of -0.19% — -5.21 pp behind the Balanced Advantage Fund category average of 5.03%. The fund ranks #22 of 24 in its category — the bottom (Q4) quartile.

₹1 lakh invested in PGIM India Balanced Advantage Fund - Direct Plan - Dividend Option exactly 5 years ago would be worth approximately ₹99,065 today — a multiplier of 0.99×, based on the 5-year CAGR of -0.19%. The category average over the same window would have grown ₹1 lakh to ₹127,784.

A ₹10,000 monthly SIP in PGIM India Balanced Advantage Fund - Direct Plan - Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹552,305 today. That's an XIRR (money-weighted annualised return) of -3.25%.

PGIM India Balanced Advantage Fund - Direct Plan - Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹552,305 — XIRR -3.25%.

On a 5-year basis, PGIM India Balanced Advantage Fund - Direct Plan - Dividend Option ranks #22 out of 24 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 5.03%; this fund delivered -0.19%.

The worst peak-to-trough decline PGIM India Balanced Advantage Fund - Direct Plan - Dividend Option has experienced over the last 5-year window is 22.66% — its NAV fell from a high on 23 Sep 2024 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 5-year rolling windows, PGIM India Balanced Advantage Fund - Direct Plan - Dividend Option averaged 1.27% (best 3.04%, worst -0.19%). 60% of rolling windows ended positive. The 5-year Sharpe ratio is -0.50 — negative risk-adjusted performance.

In calendar year 2025, PGIM India Balanced Advantage Fund - Direct Plan - Dividend Option returned -1.69% — lagging the Balanced Advantage Fund category average of 2.32% by 4.01 pp. It ranked #31 of 38 in its category that year.

PGIM India Balanced Advantage Fund - Direct Plan - Dividend 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. PGIM India Balanced Advantage Fund - Direct Plan - Dividend 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. Worst 5-year drawdown: 22.7%. 5-year CAGR: -0.19%.

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