Should I invest in Shriram Balanced Advantage Fund - Regular?

We don't give personal investment advice. Shriram Balanced Advantage Fund - Regular-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: 14.8%. 5-year CAGR: 6.07%.

Shriram

Shriram Balanced Advantage Fund - Regular-IDCW

Latest NAV

₹16.6494

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%	+0.22%	+0.28	5 / 30	Q1
1W	+0.28%	-0.02%	+0.29	3 / 30	Q1
2W	+0.13%	+0.12%	+0.00	17 / 30	Q3
1M	+1.06%	+0.92%	+0.14	17 / 30	Q3
3M	+0.40%	+1.03%	-0.64	21 / 30	Q3
6M	-2.08%	-2.64%	+0.57	12 / 29	Q2
YTD	-3.70%	-3.74%	+0.04	16 / 29	Q3
1Y	-1.66%	-3.15%	+1.49	12 / 29	Q2
2Y	-3.54%	-2.04%	-1.50	21 / 29	Q3
3Y	+5.53%	+4.42%	+1.11	10 / 24	Q2
4Y	+6.85%	+5.78%	+1.07	8 / 21	Q2
5Y	+6.07%	+3.92%	+2.15	6 / 17	Q2
7Y	+7.60%	+5.69%	+1.91	6 / 14	Q2
10Y	—	—	—	—	—
Inception	+7.52%	+4.92%	+2.61	9 / 30	Q2

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	-3.70%	-3.74%	+0.04	16 / 29
2025	-0.57%	+0.96%	-1.53	17 / 29
2024	+9.24%	+7.99%	+1.24	10 / 26
2023	+19.17%	+14.79%	+4.38	4 / 22
2022	+2.68%	-0.33%	+3.01	8 / 20
2021	+9.18%	+9.21%	-0.04	7 / 15
2020	+13.76%	+10.06%	+3.70	5 / 15
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

+9.46%

74 windows

min -6.7% · max 30.2%

81% positive

3-Year rolling

+9.64%

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

+9.35%

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

+7.60%

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

9.73%

3-year · annualised

Sharpe ratio

-0.06

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 - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹15.9677	17 Jul 2026
BANDHAN Balanced Advantage Fund Regular Plan IDCW	Bandhan	₹14.0910	17 Jul 2026
quant Dynamic Asset Allocation Fund - IDCW Option - Regular Plan	Quant	₹16.6926	17 Jul 2026
Aditya Birla Sun Life Balanced Advantage Fund -REGULAR - IDCW	Aditya Birla Sun Life	₹26.4700	17 Jul 2026
Motilal Oswal Balanced Advantage Fund (MOFDYNAMIC) - Regular Plan - Annual Dividend Payout Option	Motilal Oswal	₹12.4970	17 Jul 2026
Mirae Asset Balanced Advantage Fund Regular Plan IDCW	Mirae Asset	₹13.4980	17 Jul 2026
Kotak Balanced Advantage Fund - Regular Plan - Payout of Income Distribution cum capital withdrawal option Option	Kotak	₹21.1310	17 Jul 2026
Parag Parikh Dynamic Asset Allocation Fund - Regular Plan - Monthly IDCW Reinvestment	Parag Parikh	₹10.0954	17 Jul 2026
Edelweiss Balanced Advantage Fund - Regular Plan - Monthly - IDCW Option	Edelweiss	₹20.6000	17 Jul 2026
DSP Dynamic Asset Allocation Fund - Regular Plan - IDCW - Monthly	DSP	₹14.2070	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹16.6494
16 Jul 2026	₹16.5672
15 Jul 2026	₹16.5718
14 Jul 2026	₹16.5507
13 Jul 2026	₹16.6385
10 Jul 2026	₹16.6035
9 Jul 2026	₹16.5041
8 Jul 2026	₹16.4151
7 Jul 2026	₹16.6522
6 Jul 2026	₹16.6710

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-IDCW is ₹16.6494. It's a Balanced Advantage Fund from Shriram, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Shriram Balanced Advantage Fund - Regular-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 - Regular-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 - Regular-IDCW has delivered a absolute return of -1.66% — +1.49 pp ahead of the Balanced Advantage Fund category average of -3.15%. The fund ranks #12 of 29 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Shriram Balanced Advantage Fund - Regular-IDCW has delivered a CAGR of 5.53% — +1.11 pp ahead of the Balanced Advantage Fund category average of 4.42%. The fund ranks #10 of 24 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Shriram Balanced Advantage Fund - Regular-IDCW has delivered a CAGR of 6.07% — +2.15 pp ahead of the Balanced Advantage Fund category average of 3.92%. The fund ranks #6 of 17 in its category — the second (Q2) quartile.

₹1 lakh invested in Shriram Balanced Advantage Fund - Regular-IDCW exactly 5 years ago would be worth approximately ₹134,254 today — a multiplier of 1.34×, based on the 5-year CAGR of 6.07%. The category average over the same window would have grown ₹1 lakh to ₹121,191.

A ₹10,000 monthly SIP in Shriram Balanced Advantage Fund - Regular-IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹669,845 today. That's an XIRR (money-weighted annualised return) of 4.35%.

Shriram Balanced Advantage Fund - Regular-IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,043,212 — XIRR 6.09%.

On a 5-year basis, Shriram Balanced Advantage Fund - Regular-IDCW ranks #6 out of 17 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 3.92%; this fund delivered 6.07%.

The worst peak-to-trough decline Shriram Balanced Advantage Fund - Regular-IDCW 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-IDCW averaged 9.35% (best 12.60%, worst 5.90%). 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-IDCW returned -0.57% — lagging the Balanced Advantage Fund category average of 0.96% by 1.53 pp. It ranked #17 of 29 in its category that year.

Shriram Balanced Advantage Fund - Regular-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 - Regular-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: 14.8%. 5-year CAGR: 6.07%.

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

Shriram Balanced Advantage Fund - Regular-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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