Should I invest in PGIM India Balanced Advantage Fund?

We don't give personal investment advice. PGIM India 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. Worst 5-year drawdown: 11.6%. 5-year CAGR: 8.49%.

PGIM India

PGIM India Balanced Advantage Fund - Direct Plan - Growth Option

Latest NAV

₹16.0100

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	+0.37%	+0.09%	+0.29	4 / 37	Q1
1W	-1.17%	-1.03%	-0.14	25 / 37	Q3
2W	-0.12%	-0.05%	-0.07	23 / 37	Q3
1M	-1.47%	-0.84%	-0.63	27 / 37	Q3
3M	-2.31%	-0.70%	-1.61	32 / 37	Q4
6M	-5.53%	-2.95%	-2.58	33 / 36	Q4
YTD	-5.14%	-3.14%	-2.00	29 / 35	Q4
1Y	-1.53%	+1.34%	-2.87	32 / 35	Q4
2Y	+4.03%	+3.74%	+0.29	17 / 34	Q2
3Y	+8.62%	+9.42%	-0.80	25 / 29	Q4
4Y	+9.47%	+11.06%	-1.59	19 / 23	Q4
5Y	+8.49%	+9.89%	-1.39	15 / 18	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+8.99%	+8.05%	+0.94	22 / 37	Q3

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	-5.14%	-3.14%	-2.00	29 / 35
2025	+7.63%	+6.42%	+1.21	14 / 34
2024	+12.09%	+14.12%	-2.03	24 / 31
2023	+16.79%	+19.93%	-3.14	23 / 26
2022	+2.94%	+5.24%	-2.31	17 / 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

+10.06%

53 windows

min -1.5% · max 21.6%

96% positive

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

3-Year rolling

+11.34%

29 windows

min 8.3% · max 14.9%

100% positive

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

5-Year rolling

+9.29%

5 windows

min 8.5% · max 10.0%

100% 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

9.08%

3-year · annualised

Sharpe ratio

0.24

vs risk-free 6.5%

Sortino ratio

0.38

Downside-only deviation

Max drawdown

-10.72%

Sep 2024 → Feb 2025

% positive months

72.2%

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	₹16.0100
2 Jun 2026	₹16.0700
1 Jun 2026	₹16.0100
29 May 2026	₹16.1200
27 May 2026	₹16.2900
26 May 2026	₹16.2600
25 May 2026	₹16.3000
22 May 2026	₹16.1700
21 May 2026	₹16.1100
20 May 2026	₹16.1200

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 - Growth Option is ₹16.0100. It's a Balanced Advantage Fund from PGIM India, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

PGIM India Balanced Advantage Fund - Direct Plan - Growth 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 - Growth 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 - Growth Option has delivered a absolute return of -1.53% — -2.87 pp behind the Balanced Advantage Fund category average of 1.34%. The fund ranks #32 of 35 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, PGIM India Balanced Advantage Fund - Direct Plan - Growth Option has delivered a CAGR of 8.62% — -0.8 pp behind the Balanced Advantage Fund category average of 9.42%. The fund ranks #25 of 29 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, PGIM India Balanced Advantage Fund - Direct Plan - Growth Option has delivered a CAGR of 8.49% — -1.39 pp behind the Balanced Advantage Fund category average of 9.89%. The fund ranks #15 of 18 in its category — the bottom (Q4) quartile.

₹1 lakh invested in PGIM India Balanced Advantage Fund - Direct Plan - Growth Option exactly 5 years ago would be worth approximately ₹150,328 today — a multiplier of 1.50×, based on the 5-year CAGR of 8.49%. The category average over the same window would have grown ₹1 lakh to ₹160,215.

A ₹10,000 monthly SIP in PGIM India Balanced Advantage Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹716,108 today. That's an XIRR (money-weighted annualised return) of 7.00%.

PGIM India Balanced Advantage Fund - Direct Plan - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹716,108 — XIRR 7.00%.

On a 5-year basis, PGIM India Balanced Advantage Fund - Direct Plan - Growth Option ranks #15 out of 18 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 9.89%; this fund delivered 8.49%.

The worst peak-to-trough decline PGIM India Balanced Advantage Fund - Direct Plan - Growth Option has experienced over the last 5-year window is 11.64% — its NAV fell from a high on 05 Apr 2022 to a low on 20 Jun 2022. 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 - Growth Option averaged 9.29% (best 10.01%, worst 8.49%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.24 — weak risk-adjusted performance.

In calendar year 2025, PGIM India Balanced Advantage Fund - Direct Plan - Growth Option returned 7.63% — beating the Balanced Advantage Fund category average of 6.42% by 1.21 pp. It ranked #14 of 34 in its category that year.

PGIM India 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. PGIM India 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. Worst 5-year drawdown: 11.6%. 5-year CAGR: 8.49%.

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