Should I invest in Shriram Balanced Advantage Fund - Regular Growth?

We don't give personal investment advice. Shriram Balanced Advantage Fund - Regular 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. Worst 5-year drawdown: 14.8%. 5-year CAGR: 6.04%.

Shriram

Shriram Balanced Advantage Fund - Regular Growth

Latest NAV

₹16.6265

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.

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	+0.50%	+0.26%	+0.24	6 / 29	Q1
1W	+0.28%	+0.04%	+0.24	4 / 29	Q1
2W	+0.13%	+0.19%	-0.06	18 / 29	Q3
1M	+1.06%	+1.19%	-0.13	19 / 29	Q3
3M	+0.40%	+1.94%	-1.54	27 / 29	Q4
6M	-2.08%	+0.63%	-2.71	25 / 28	Q4
YTD	-3.71%	-0.42%	-3.29	27 / 28	Q4
1Y	-1.67%	+1.26%	-2.93	23 / 28	Q4
2Y	-3.54%	+2.10%	-5.65	25 / 27	Q4
3Y	+5.48%	+9.03%	-3.55	21 / 22	Q4
4Y	+6.82%	+10.07%	-3.25	17 / 18	Q4
5Y	+6.04%	+8.30%	-2.26	13 / 14	Q4
7Y	+7.58%	+9.90%	-2.32	10 / 11	Q4
10Y	—	—	—	—	—
Inception	+7.50%	+8.01%	-0.50	19 / 29	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	-3.71%	-0.42%	-3.29	27 / 28
2025	-0.57%	+4.78%	-5.35	25 / 27
2024	+9.11%	+12.20%	-3.09	20 / 24
2023	+19.17%	+17.99%	+1.18	7 / 19
2022	+2.68%	+2.63%	+0.05	8 / 17
2021	+9.17%	+12.75%	-3.58	10 / 12
2020	+13.76%	+12.21%	+1.55	5 / 12
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

+9.44%

74 windows

min -6.7% · max 30.1%

81% positive

3-Year rolling

+9.61%

50 windows

min 5.5% · max 13.0%

100% positive

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

5-Year rolling

+9.32%

25 windows

min 5.9% · max 12.6%

100% positive

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

7-Year rolling

+7.58%

1 window

min 7.6% · max 7.6%

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

9.71%

3-year · annualised

Sharpe ratio

-0.07

vs risk-free 6.5%

Sortino ratio

-0.10

Downside-only deviation

Max drawdown

-14.82%

Sep 2024 → Mar 2026

% positive months

61.1%

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
SBI Balanced Advantage Fund - Regular Plan - Growth	SBI	₹15.9675	17 Jul 2026
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

Recent NAVs

Date	NAV
17 Jul 2026	₹16.6265
16 Jul 2026	₹16.5444
15 Jul 2026	₹16.5490
14 Jul 2026	₹16.5279
13 Jul 2026	₹16.6156
10 Jul 2026	₹16.5807
9 Jul 2026	₹16.4814
8 Jul 2026	₹16.3925
7 Jul 2026	₹16.6293
6 Jul 2026	₹16.6480

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 - Regular Growth is ₹16.6265. It's a Balanced Advantage Fund from Shriram, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

Shriram Balanced Advantage Fund - Regular Growth 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 - Regular Growth 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 - Regular Growth has delivered a absolute return of -1.67% — -2.93 pp behind the Balanced Advantage Fund category average of 1.26%. The fund ranks #23 of 28 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Shriram Balanced Advantage Fund - Regular Growth has delivered a CAGR of 5.48% — -3.55 pp behind the Balanced Advantage Fund category average of 9.03%. The fund ranks #21 of 22 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Shriram Balanced Advantage Fund - Regular Growth has delivered a CAGR of 6.04% — -2.26 pp behind the Balanced Advantage Fund category average of 8.30%. The fund ranks #13 of 14 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Shriram Balanced Advantage Fund - Regular Growth exactly 5 years ago would be worth approximately ₹134,077 today — a multiplier of 1.34×, based on the 5-year CAGR of 6.04%. The category average over the same window would have grown ₹1 lakh to ₹148,968.

A ₹10,000 monthly SIP in Shriram Balanced Advantage Fund - Regular Growth over the last 5 years — total invested ₹600,000 — would be worth ₹669,330 today. That's an XIRR (money-weighted annualised return) of 4.32%.

Shriram Balanced Advantage Fund - Regular Growth doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,042,185 — XIRR 6.07%.

On a 5-year basis, Shriram Balanced Advantage Fund - Regular Growth ranks #13 out of 14 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 8.30%; this fund delivered 6.04%.

The worst peak-to-trough decline Shriram Balanced Advantage Fund - Regular Growth has experienced over the last 5-year window is 14.82% — its NAV fell from a high on 27 Sep 2024 to a low on 31 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 5-year rolling windows, Shriram Balanced Advantage Fund - Regular Growth averaged 9.32% (best 12.56%, worst 5.87%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.03 — negative risk-adjusted performance.

In calendar year 2025, Shriram Balanced Advantage Fund - Regular Growth returned -0.57% — lagging the Balanced Advantage Fund category average of 4.78% by 5.35 pp. It ranked #25 of 27 in its category that year.

Shriram Balanced Advantage Fund - Regular 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. Shriram Balanced Advantage Fund - Regular 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. Worst 5-year drawdown: 14.8%. 5-year CAGR: 6.04%.

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

Shriram Balanced Advantage Fund - Regular Growth

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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