📊 Balanced Advantage Fund · Deep Analysis

Nippon India Balanced Advantage FundGrowth PlanOption

Nippon India Mutual Fund · Direct Growth · SEBI Category: Balanced Advantage

Current NAV ₹202.0825 (+0.15% today) As of 04 Jun 2026
1 Year Return +2.6%
3 Year CAGR +11.8% p.a.
5 Year CAGR +10.6% p.a.
AAUM ₹9.3K Cr Jan–Mar 2026
All data from RightAdvise DB — calculated from 2,565 daily NAV records
Fund Overview

Nippon India Balanced Advantage FundGrowth PlanOption — Quick Summary

Nippon India Balanced Advantage Fund has one of the longest track records in the category — the underlying fund has been in existence for over 21 years, managed by Nippon India Mutual Fund (formerly Reliance Mutual Fund). The fund dynamically allocates between equity, debt and arbitrage positions based on market valuations, targeting a smoother investment experience across market cycles.

The fund typically maintains a higher equity allocation (around 60 to 70%) compared to more conservative BAFs, reflecting its growth orientation. Its long history means it has navigated multiple market cycles — the 2008 financial crisis, 2020 COVID crash, 2022 correction — providing investors with real-world evidence of its drawdown behavior.

Fund House
Nippon India Mutual Fund
SEBI Category
Balanced Advantage
Benchmark
NIFTY 50 Hybrid Composite Debt 50:50 Index
Fund Manager
Ashutosh Bhargava, Kinjal Desai
AMFI Code
118736
Risk Level
Very High
NAV Records in DB
2,565 days
Quarterly Average AUM · Jan–Mar 2026
₹9.3K Cr
↓ Decreased by 1.4% vs Oct–Dec 2025 · ₹9.5K Cr
Official quarterly average AUM from AMFI disclosure. Published every 3 months.
📊
✓ Suitable For
Suited for moderate to moderately-high risk investors with a 5+ year horizon who value a long track record. Also appropriate for investors who want higher equity participation within the BAF framework.
The fund's 21+ year track record is its most significant differentiator — very few balanced advantage funds have navigated as many market cycles. For investors who value proven longevity over newer fund launches, Nippon India BAF is a strong consideration. Its equity-heavy allocation also makes it more growth-oriented than some peers.
✗ Not Suitable For
Investors with aggressive growth targets — dynamic allocation reduces equity in bull phases and caps upside. Those seeking pure fixed income safety — equity exposure means this fund will fall in equity bear markets. Investors wanting active mid or small cap bets — the equity sleeve stays primarily in large caps.
Who Runs This Fund

Fund Manager

AB
Ashutosh Bhargava, Kinjal Desai
Nippon India Mutual Fund · Managing since 2021

Ashutosh Bhargava is Head of Equity Research and Fund Manager at Nippon India Mutual Fund, managing the equity sleeve with a research-driven, quality-focused approach. Kinjal Desai manages the fixed income component, prioritising high credit quality and managing duration conservatively. Together they bring complementary expertise to the fund's dynamic allocation framework.

For current co-manager details and full biography, refer to the latest Nippon India Mutual Fund factsheet on AMFI or the AMC website.

What to Factor In

Things to Consider

Informational points to help you form your own view — not judgements or recommendations.

AMFI Code · Informational
AMFI Scheme Code: 118736
The official AMFI scheme code for Nippon India Balanced Advantage FundGrowth PlanOption Direct Growth is 118736. Use this when transacting on platforms or verifying data across databases.
Important Note
Points Worth Knowing
Nippon India MF was previously Reliance Mutual Fund — India's largest fund house by retail investor count for many years. The rebrand in 2019 was a significant transition. Long-term historical performance data pre-2019 was generated under Reliance MF branding. Evaluate whether you are comfortable with this ownership transition context when reviewing historical track records.
Investment Objective
As per Scheme Information Document
The investment objective of the scheme is to generate long-term capital growth from a focused portfolio of predominantly equity and equity-related securities.
All Data Below — From RightAdvise Database
Category Comparison

Top 5 Balanced Advantage Funds Compared

Live data. Current fund highlighted. Click any fund name for full analysis.

FundNAVAAUM1Y Return 3Y CAGR 5Y CAGR Sharpe (3Y)
HDFC Balanced Advantage Fund ₹550.20 ₹74.0K Cr Jan–Mar 2026 -1.2% +14.8% p.a. +15.4% p.a. 0.93
ICICI Prudential Balanced Advantage Fund ₹84.33 ₹68.5K Cr Jan–Mar 2026 +4.1% +12.0% p.a. +11.1% p.a. 0.93
Edelweiss Balanced Advantage Fund ₹58.81 ₹12.5K Cr Jan–Mar 2026 +3.5% +11.7% p.a. +10.6% p.a. 0.67
Nippon India Balanced Advantage Fund ▲ ₹202.08 ₹9.3K Cr Jan–Mar 2026 +2.6% +11.8% p.a. +10.6% p.a. 0.81
Kotak Balanced Advantage Fund ₹22.33 ₹17.2K Cr Jan–Mar 2026 +1.2% +10.4% p.a. +9.8% p.a. 0.62
Best value in each column shown in green. AAUM from latest AMFI quarterly filing. Returns calculated from daily NAV history.
Performance

Fund Returns

Calculated from 2,565 daily NAV records in RightAdvise DB. Last calculated: Jun 2026.

1M / 3M / 6M / 1Y — simple point-to-point return  ·  3Y / 5Y / 10Y — CAGR (compounded annual growth rate)

1 MonthPoint-to-point
-0.7%
3 MonthPoint-to-point
-0.7%
6 MonthPoint-to-point
-2.1%
1 YearPoint-to-point
+2.6%
3 YearCAGR
+11.8% p.a.
5 YearCAGR
+10.6% p.a.
10 YearCAGR
+11.9% p.a.
₹1 Lakh → 5YLump sum growth
₹163,235

Best & Worst Periods Ever

Based on all rolling windows in full NAV history. Dates show the start and end of each period.

Best 1Y WindowSimple return
+46.9%
Mar 2020 – Mar 2021
Worst 1Y WindowSimple return
-13.8%
Mar 2019 – Mar 2020
Best 3Y CAGRCAGR p.a.
+20.7% p.a.
Mar 2020 – Apr 2023
Worst 3Y CAGRCAGR p.a.
+1.0% p.a.
Feb 2017 – Mar 2020

Calendar Year Returns

Jan 1 to Dec 31 each year. Simple point-to-point — not CAGR.

2025
+8.6%
2024
+14.4%
2023
+18.9%
2022
+6.5%
2021
+17.4%
2020
+12.7%
2019
+9.6%
2018
+1.6%
2017
+26.0%
Consistency Analysis

Rolling Returns ℹ️ What is this?

Rolling returns show performance across every possible investment start date — not one cherry-picked number. Learn more →

1Y Rolling Avg
13.3%
Positive in 95% of windows
Best: 46.9% · Worst: -13.8%
3Y Rolling Avg
12.4% p.a.
Positive in 100% of windows
Best: 20.7% · Worst: 1.0%
5Y Rolling Avg
12.9% p.a.
Positive in 100% of windows
Best: 19.6% · Worst: 8.1%
1-Year Rolling Returns Each bar = 1Y return starting from that date
Risk Analysis

Maximum Drawdown ℹ️ What is this?

How much the fund fell from its peak NAV — what investors actually experience during crashes. Calculated from full NAV history.

Max Drawdown Ever
-21.8%
Feb 2020 → Mar 2020
Recovered: Nov 2020 (11 mos)
Current from Peak
-3.1%
All-time Peak: ₹208.61
Peak date: Feb 2026

How the fund behaved in key crisis periods

Calculated from actual NAV data. "Pre-inception" means the fund didn't exist during that period.

2024–25 Tariff / Correction
-8.3%
Sep 27, 2024 – Apr 7, 2025
Recovered: May 2025 (4 mos)
COVID-19 Crash
-21.8%
Feb 19 – Mar 23, 2020
Recovered: Nov 2020 (11 mos)
2022 Rate Hike Cycle
-6.4%
Jan 17 – Jun 17, 2022
Recovered: Aug 2022 (2 mos)
2018 IL&FS Crisis
-5.6%
Aug 28 – Oct 26, 2018
Recovered: Mar 2019 (6 mos)
Risk Metrics

Risk Ratios

Calculated from 3 years of daily NAV — industry standard. Risk-free rate: 6.5% p.a. Last updated: Jun 2026. What do these mean? →

Sharpe Ratio (3Y)
0.81
Return per unit of total risk. >1 is good. Learn more →
Sortino Ratio (3Y)
1.14
Like Sharpe but only penalises downside volatility. Learn more →
Std Deviation (3Y)
7.7%
Annualised monthly volatility. Lower = more consistent returns. Learn more →
📊
Want to see what Nippon India Balanced Advantage FundGrowth PlanOption is actually holding?

Our portfolio holdings page shows every stock the fund owns, sector allocation, and month-over-month changes — from official AMC disclosures.

Full current portfolio — all stocks, weights, sectors
New entries and exits over the last 3 months
Sector allocation and month-over-month changes
Updated monthly from official AMC disclosures
See Portfolio Holdings →
← Compare all Balanced Advantage Funds

See how Nippon India Balanced Advantage FundGrowth PlanOption ranks against other Balanced Advantage funds on returns, drawdown, Sharpe ratio and AAUM — side by side.

Learn the Metrics
📖 Deep Dive
CAGR, Sharpe, Sortino & Std Dev
What these numbers mean and how to use them
📖 Deep Dive
Drawdown & Rolling Returns
Why these reveal more than any CAGR figure
⚠️ RightAdvise.com is NOT registered with SEBI. All content is for educational purposes only. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully and consult a SEBI-registered advisor before investing.
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⚠️ RightAdvise.com is NOT registered with SEBI. All content is for educational purposes only. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully and consult a SEBI-registered advisor before investing.