Should I invest in SBI Balanced Advantage Fund - Income Distribution cum Capital Withdrawal Option (IDCW)?

We don't give personal investment advice. SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 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. 5-year CAGR: 10.72%.

SBI

SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)

Latest NAV

₹16.7267

As of

17 Jul 2026

1,204 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	+0.35%	+0.25%	+0.10	18 / 40	Q2
1W	+0.01%	+0.02%	-0.02	25 / 40	Q3
2W	+0.24%	+0.17%	+0.06	16 / 40	Q2
1M	+1.12%	+1.06%	+0.06	22 / 40	Q3
3M	+1.20%	+1.36%	-0.16	21 / 40	Q3
6M	+0.48%	-1.69%	+2.16	10 / 39	Q2
YTD	-0.61%	-2.78%	+2.17	10 / 39	Q2
1Y	+3.90%	-1.91%	+5.81	2 / 39	Q1
2Y	+5.45%	-0.35%	+5.80	2 / 39	Q1
3Y	+11.35%	+6.02%	+5.33	2 / 34	Q1
4Y	+13.15%	+7.17%	+5.98	1 / 31	Q1
5Y	+10.72%	+5.55%	+5.17	2 / 25	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+11.04%	+6.11%	+4.94	5 / 40	Q1

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	-0.61%	-2.86%	+2.25	9 / 38
2025	+10.79%	+2.32%	+8.46	1 / 38
2024	+14.20%	+9.52%	+4.68	3 / 35
2023	+21.41%	+15.43%	+5.98	4 / 31
2022	+6.20%	+1.33%	+4.87	5 / 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

+13.22%

48 windows

min 3.0% · max 28.3%

100% positive

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

3-Year rolling

+14.38%

23 windows

min 11.3% · max 16.9%

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

5.93%

3-year · annualised

Sharpe ratio

0.75

vs risk-free 6.5%

Sortino ratio

1.56

Downside-only deviation

Max drawdown

-7.39%

Jan 2026 → Mar 2026

% 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 - 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
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
Mirae Asset Balanced Advantage Fund Direct Plan- IDCW	Mirae Asset	₹14.2490	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹16.7267
16 Jul 2026	₹16.6685
15 Jul 2026	₹16.6820
14 Jul 2026	₹16.6565
13 Jul 2026	₹16.7265
10 Jul 2026	₹16.7258
9 Jul 2026	₹16.5864
8 Jul 2026	₹16.5298
7 Jul 2026	₹16.7230
6 Jul 2026	₹16.7512

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 SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹16.7267. It's a Balanced Advantage Fund from SBI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has NAV history starting from 07 Sep 2021, a track record of about 4 years 10 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.

SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is managed by SBI. 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, SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a absolute return of 3.90% — +5.81 pp ahead of the Balanced Advantage Fund category average of -1.91%. The fund ranks #2 of 39 in its category — the top (Q1) quartile.

Over the trailing 3-year window, SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 11.35% — +5.33 pp ahead of the Balanced Advantage Fund category average of 6.02%. The fund ranks #2 of 34 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 10.72% — +5.17 pp ahead of the Balanced Advantage Fund category average of 5.55%. The fund ranks #2 of 25 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) exactly 5 years ago would be worth approximately ₹166,360 today — a multiplier of 1.66×, based on the 5-year CAGR of 10.72%. The category average over the same window would have grown ₹1 lakh to ₹131,007.

A ₹10,000 monthly SIP in SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) over the last 3 years — total invested ₹360,000 — would be worth ₹405,947 today. That's an XIRR (money-weighted annualised return) of 7.96%.

SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹405,947 — XIRR 7.96%.

On a 5-year basis, SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) ranks #2 out of 25 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 5.55%; this fund delivered 10.72%.

The worst peak-to-trough decline SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has experienced over the last 3-year window is 7.39% — its NAV fell from a high on 02 Jan 2026 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 3-year rolling windows, SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) averaged 14.38% (best 16.92%, worst 11.35%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.75 — reasonable risk-adjusted performance.

In calendar year 2025, SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) returned 10.79% — beating the Balanced Advantage Fund category average of 2.32% by 8.46 pp. It ranked #1 of 38 in its category that year.

SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 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. SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 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. 5-year CAGR: 10.72%.

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