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: 7.24%.

Shriram

Shriram Balanced Advantage Fund - Direct- IDCW

Latest NAV

₹18.1758

As of

3 Jun 2026

1,695 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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	+0.27%	+0.10%	+0.16	11 / 40	Q2
1W	-1.11%	-1.06%	-0.05	24 / 40	Q3
2W	-0.38%	-0.14%	-0.23	26 / 40	Q3
1M	-1.57%	-0.97%	-0.60	30 / 40	Q3
3M	-2.78%	-2.12%	-0.66	28 / 40	Q3
6M	-5.30%	-5.42%	+0.12	23 / 39	Q3
YTD	-5.66%	-5.40%	-0.26	23 / 39	Q3
1Y	-1.69%	-2.89%	+1.20	18 / 39	Q2
2Y	-2.88%	+0.02%	-2.89	29 / 38	Q4
3Y	+7.76%	+6.40%	+1.36	11 / 33	Q2
4Y	+7.93%	+6.36%	+1.57	10 / 29	Q2
5Y	+7.24%	+5.03%	+2.21	5 / 24	Q1
7Y	+8.95%	+6.18%	+2.77	5 / 22	Q1
10Y	—	—	—	—	—
Inception	+9.09%	+5.66%	+3.43	6 / 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	-5.66%	-5.55%	-0.11	22 / 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

+11.26%

72 windows

min -6.7% · max 32.9%

85% positive

3-Year rolling

+11.40%

48 windows

min 7.8% · max 14.8%

100% positive

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

5-Year rolling

+11.36%

24 windows

min 7.2% · max 14.7%

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

10.05%

3-year · annualised

Sharpe ratio

0.15

vs risk-free 6.5%

Sortino ratio

0.22

Downside-only deviation

Max drawdown

-13.70%

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 - 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	₹18.1758
2 Jun 2026	₹18.2377
1 Jun 2026	₹18.1895
29 May 2026	₹18.2598
27 May 2026	₹18.4258
26 May 2026	₹18.4425
22 May 2026	₹18.3294
21 May 2026	₹18.3162
20 May 2026	₹18.3181
19 May 2026	₹18.3071

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 Shriram Balanced Advantage Fund - Direct- IDCW is ₹18.1758. 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 6 years 10 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.

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 -1.69% — +1.2 pp ahead of the Balanced Advantage Fund category average of -2.89%. The fund ranks #18 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 7.76% — +1.36 pp ahead of the Balanced Advantage Fund category average of 6.40%. The fund ranks #11 of 33 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Shriram Balanced Advantage Fund - Direct- IDCW has delivered a CAGR of 7.24% — +2.21 pp ahead of the Balanced Advantage Fund category average of 5.03%. The fund ranks #5 of 24 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 ₹141,811 today — a multiplier of 1.42×, based on the 5-year CAGR of 7.24%. The category average over the same window would have grown ₹1 lakh to ₹127,784.

A ₹10,000 monthly SIP in Shriram Balanced Advantage Fund - Direct- IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹686,891 today. That's an XIRR (money-weighted annualised return) of 5.35%.

Shriram Balanced Advantage Fund - Direct- IDCW doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹686,891 — XIRR 5.35%.

On a 5-year basis, Shriram Balanced Advantage Fund - Direct- IDCW ranks #5 out of 24 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 5.03%; this fund delivered 7.24%.

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 11.36% (best 14.69%, worst 7.24%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.11 — 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: 7.24%.

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