Should I invest in Shriram Balanced Advantage Fund - Direct?

We don't give personal investment advice. Shriram Balanced Advantage Fund - Direct- 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. Worst 5-year drawdown: 13.7%. 5-year CAGR: 7.84%.

Shriram

Shriram Balanced Advantage Fund - Direct- IDCW

Latest NAV

₹18.7856

As of

17 Jul 2026

1,726 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.

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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	+0.50%	+0.25%	+0.25	9 / 40	Q1
1W	+0.31%	+0.02%	+0.29	4 / 40	Q1
2W	+0.19%	+0.17%	+0.02	20 / 40	Q2
1M	+1.19%	+1.06%	+0.14	21 / 40	Q3
3M	+0.81%	+1.36%	-0.55	27 / 40	Q3
6M	-1.24%	-1.69%	+0.45	21 / 39	Q3
YTD	-2.82%	-2.78%	-0.05	22 / 39	Q3
1Y	-0.09%	-1.91%	+1.82	15 / 39	Q2
2Y	-1.94%	-0.35%	-1.60	26 / 39	Q3
3Y	+7.24%	+6.02%	+1.21	14 / 34	Q2
4Y	+8.61%	+7.17%	+1.45	11 / 31	Q2
5Y	+7.84%	+5.55%	+2.29	6 / 25	Q1
7Y	+9.46%	+6.94%	+2.52	6 / 22	Q2
10Y	—	—	—	—	—
Inception	+9.38%	+6.11%	+3.28	7 / 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	-2.82%	-2.86%	+0.04	21 / 38
2025	+0.99%	+2.32%	-1.33	22 / 38
2024	+10.99%	+9.52%	+1.47	12 / 35
2023	+21.18%	+15.43%	+5.76	6 / 31
2022	+4.47%	+1.33%	+3.14	9 / 29
2021	+11.11%	+10.71%	+0.40	11 / 23
2020	+15.87%	+10.14%	+5.73	6 / 23
2019	—	—	—	—

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

+11.34%

74 windows

min -5.1% · max 32.2%

82% positive

3-Year rolling

+11.51%

50 windows

min 7.2% · 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

+11.22%

25 windows

min 7.7% · max 14.6%

100% positive

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

7-Year rolling

+9.46%

1 window

min 9.5% · max 9.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

9.72%

3-year · annualised

Sharpe ratio

0.10

vs risk-free 6.5%

Sortino ratio

0.16

Downside-only deviation

Max drawdown

-13.70%

Sep 2024 → Feb 2025

% 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	₹43.5770	17 Jul 2026
NIPPON INDIA BALANCED ADVANTAGE FUND - DIRECT Plan - IDCW Option	Nippon India	₹46.1264	17 Jul 2026
SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.7267	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

Recent NAVs

Date	NAV
17 Jul 2026	₹18.7856
16 Jul 2026	₹18.6919
15 Jul 2026	₹18.6963
14 Jul 2026	₹18.6716
13 Jul 2026	₹18.7698
10 Jul 2026	₹18.7278
9 Jul 2026	₹18.6148
8 Jul 2026	₹18.5135
7 Jul 2026	₹18.7801
6 Jul 2026	₹18.8004

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 Shriram Balanced Advantage Fund - Direct- IDCW is ₹18.7856. It's a Balanced Advantage Fund from Shriram, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Shriram Balanced Advantage Fund - Direct- IDCW has NAV history starting from 12 Jul 2019, a track record of about 7 years. 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.

Shriram Balanced Advantage Fund - Direct- IDCW is managed by Shriram. 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, Shriram Balanced Advantage Fund - Direct- IDCW has delivered a absolute return of -0.09% — +1.82 pp ahead of the Balanced Advantage Fund category average of -1.91%. The fund ranks #15 of 39 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Shriram Balanced Advantage Fund - Direct- IDCW has delivered a CAGR of 7.24% — +1.21 pp ahead of the Balanced Advantage Fund category average of 6.02%. The fund ranks #14 of 34 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Shriram Balanced Advantage Fund - Direct- IDCW has delivered a CAGR of 7.84% — +2.29 pp ahead of the Balanced Advantage Fund category average of 5.55%. The fund ranks #6 of 25 in its category — the top (Q1) quartile.

₹1 lakh invested in Shriram Balanced Advantage Fund - Direct- IDCW exactly 5 years ago would be worth approximately ₹145,827 today — a multiplier of 1.46×, based on the 5-year CAGR of 7.84%. The category average over the same window would have grown ₹1 lakh to ₹131,007.

A ₹10,000 monthly SIP in Shriram Balanced Advantage Fund - Direct- IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹700,195 today. That's an XIRR (money-weighted annualised return) of 6.11%.

Shriram Balanced Advantage Fund - Direct- IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,113,837 — XIRR 7.93%.

On a 5-year basis, Shriram Balanced Advantage Fund - Direct- IDCW ranks #6 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 7.84%.

The worst peak-to-trough decline Shriram Balanced Advantage Fund - Direct- IDCW has experienced over the last 5-year window is 13.70% — its NAV fell from a high on 27 Sep 2024 to a low on 28 Feb 2025. 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, Shriram Balanced Advantage Fund - Direct- IDCW averaged 11.22% (best 14.57%, worst 7.67%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.15 — weak risk-adjusted performance.

In calendar year 2025, Shriram Balanced Advantage Fund - Direct- IDCW returned 0.99% — lagging the Balanced Advantage Fund category average of 2.32% by 1.33 pp. It ranked #22 of 38 in its category that year.

Shriram Balanced Advantage Fund - Direct- 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. Shriram Balanced Advantage Fund - Direct- 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. Worst 5-year drawdown: 13.7%. 5-year CAGR: 7.84%.

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

Shriram Balanced Advantage Fund - Direct- IDCW

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Balanced Advantage Fund

Recent NAVs

Frequently asked questions

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