Should I invest in SBI Balanced Advantage Fund?

We don't give personal investment advice. SBI Balanced Advantage Fund - Regular Plan - Growth 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: 9.70%.

SBI

SBI Balanced Advantage Fund - Regular Plan - Growth

Latest NAV

₹15.9675

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%	+0.26%	+0.09	14 / 29	Q2
1W	-0.01%	+0.04%	-0.05	22 / 29	Q4
2W	+0.21%	+0.19%	+0.01	14 / 29	Q2
1M	+1.06%	+1.19%	-0.13	18 / 29	Q3
3M	+1.00%	+1.94%	-0.94	23 / 29	Q4
6M	+0.07%	+0.63%	-0.56	20 / 28	Q3
YTD	-1.05%	-0.42%	-0.63	20 / 28	Q3
1Y	+3.05%	+1.26%	+1.78	9 / 28	Q2
2Y	+4.56%	+2.10%	+2.46	7 / 27	Q2
3Y	+10.39%	+9.03%	+1.35	7 / 22	Q2
4Y	+12.14%	+10.07%	+2.07	3 / 18	Q1
5Y	+9.70%	+8.30%	+1.40	5 / 14	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+9.99%	+8.01%	+1.98	7 / 29	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	-1.05%	-0.42%	-0.63	20 / 28
2025	+9.86%	+4.78%	+5.08	2 / 27
2024	+13.18%	+12.20%	+0.98	10 / 24
2023	+20.31%	+17.99%	+2.32	4 / 19
2022	+5.07%	+2.63%	+2.44	4 / 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

+12.17%

48 windows

min 2.2% · max 27.1%

100% positive

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

3-Year rolling

+13.34%

23 windows

min 10.4% · max 15.8%

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

0.61

vs risk-free 6.5%

Sortino ratio

1.22

Downside-only deviation

Max drawdown

-7.58%

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
BANDHAN Balanced Advantage Fund Regular Plan Growth	Bandhan	₹25.2700	17 Jul 2026
quant Dynamic Asset Allocation Fund - Growth Option - Regular Plan	Quant	₹16.6910	17 Jul 2026
Aditya Birla Sun Life Balanced Advantage Fund - Regular Plan - Growth Option	Aditya Birla Sun Life	₹112.5300	17 Jul 2026
Motilal Oswal Balanced Advantage Fund (MOFDYNAMIC) - Regular Plan - Growth Option	Motilal Oswal	₹18.5358	17 Jul 2026
Mirae Asset Balanced Advantage Fund Regular Plan- Growth	Mirae Asset	₹14.6500	17 Jul 2026
Kotak Balanced Advantage Fund -Regular Plan - Growth Option	Kotak	₹21.1310	17 Jul 2026
Parag Parikh Dynamic Asset Allocation Fund - Regular Plan Growth	Parag Parikh	₹11.7708	17 Jul 2026
DSP Dynamic Asset Allocation Fund - Regular Plan - Growth	DSP	₹28.8930	17 Jul 2026
HSBC Balanced Advantage Fund - Regular Growth	HSBC	₹43.8659	17 Jul 2026
Baroda BNP Paribas Balanced Advantage Fund-Regular Plan -Growth Option	Baroda BNP Paribas	₹25.7402	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹15.9675
16 Jul 2026	₹15.9124
15 Jul 2026	₹15.9256
14 Jul 2026	₹15.9016
13 Jul 2026	₹15.9688
10 Jul 2026	₹15.9692
9 Jul 2026	₹15.8364
8 Jul 2026	₹15.7827
7 Jul 2026	₹15.9676
6 Jul 2026	₹15.9949

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 - Regular Plan - Growth is ₹15.9675. It's a Balanced Advantage Fund from SBI, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

SBI Balanced Advantage Fund - Regular Plan - Growth 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 - Regular Plan - Growth 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 - Regular Plan - Growth has delivered a absolute return of 3.05% — +1.78 pp ahead of the Balanced Advantage Fund category average of 1.26%. The fund ranks #9 of 28 in its category — the second (Q2) quartile.

Over the trailing 3-year window, SBI Balanced Advantage Fund - Regular Plan - Growth has delivered a CAGR of 10.39% — +1.35 pp ahead of the Balanced Advantage Fund category average of 9.03%. The fund ranks #7 of 22 in its category — the second (Q2) quartile.

Over the trailing 5-year window, SBI Balanced Advantage Fund - Regular Plan - Growth has delivered a CAGR of 9.70% — +1.4 pp ahead of the Balanced Advantage Fund category average of 8.30%. The fund ranks #5 of 14 in its category — the second (Q2) quartile.

₹1 lakh invested in SBI Balanced Advantage Fund - Regular Plan - Growth exactly 5 years ago would be worth approximately ₹158,855 today — a multiplier of 1.59×, based on the 5-year CAGR of 9.70%. The category average over the same window would have grown ₹1 lakh to ₹148,968.

A ₹10,000 monthly SIP in SBI Balanced Advantage Fund - Regular Plan - Growth over the last 3 years — total invested ₹360,000 — would be worth ₹400,417 today. That's an XIRR (money-weighted annualised return) of 7.03%.

SBI Balanced Advantage Fund - Regular Plan - Growth doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹400,417 — XIRR 7.03%.

On a 5-year basis, SBI Balanced Advantage Fund - Regular Plan - Growth ranks #5 out of 14 funds in the Balanced Advantage Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 8.30%; this fund delivered 9.70%.

The worst peak-to-trough decline SBI Balanced Advantage Fund - Regular Plan - Growth has experienced over the last 3-year window is 7.58% — 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 - Regular Plan - Growth averaged 13.34% (best 15.85%, worst 10.39%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.61 — reasonable risk-adjusted performance.

In calendar year 2025, SBI Balanced Advantage Fund - Regular Plan - Growth returned 9.86% — beating the Balanced Advantage Fund category average of 4.78% by 5.08 pp. It ranked #2 of 27 in its category that year.

SBI Balanced Advantage Fund - Regular Plan - Growth 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 - Regular Plan - Growth 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: 9.70%.

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