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OnePaisa — Smart Finance for India
Nippon India Mutual Fund

Nippon India Balanced Advantage Fund - Direct Plan Growth Plan - Growth Option

3Y returns
13.4%
past performance*
5Y returns
11.9%
past performance*
0.56%Expense ratio
₹9.7K CrFund size
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*Past performance does not guarantee future returns. Returns are historical and subject to market risk.

NAV₹202.29
1D—
Expense0.56%
AUM₹9.7K Cr
Min SIP₹100
Min Lumpsum₹100

Trailing returns (CAGR)

1W1M3M6M1Y3Y5Y10Y
-0.85%+3.06%+1.38%-0.81%+4.52%+13.40%+11.90%+12.09%

🎯 OnePaisa Verdict

5.1/ 10
Below Average

Breakdown

  • Returns5/10
  • Consistency6/10
  • Risk1/10
  • Cost7/10
  • Size8/10
  • 5★ Morningstar rating

💡 Ratings are not guarantees. Past performance does not predict future results.

SIP Returns

Simulated ₹10,000/month systematic investment plan, computed from NAV history.

1 Year SIP

+2.69%

₹1.22 L value on ₹1.20 L invested

3 Year SIP

—

Not enough NAV history yet.

5 Year SIP

—

Not enough NAV history yet.

vs Category (Balanced Advantage)

This fund (1Y)

+4.52%

Rank #3 of 5

Category average (1Y)

+4.51%

Quartile Q3

Beats 40% of balanced advantage funds on 1Y return.

Risk Analysis

  • Std Deviation (1Y)8.33%Low
  • Max Drawdown (1Y)-7.76%Moderate
  • Sharpe Ratio (1Y)-0.24Poor
  • Sortino Ratio (1Y)-0.23Poor

💡 Higher Sharpe = better risk-adjusted returns. Above 1.0 is good, above 2.0 is excellent. Drawdown is the worst peak-to-trough decline.

Calendar Year Returns

+6.37%
2025
-1.70%
2026

🚨 Things to Watch

📊 SIP Calculator — Nippon India Balanced Advantage Fund Growth Plan Option

Estimated corpus

₹4.11 L

Total invested
₹3.00 L
Estimated gain
₹1.11 L (+37%)
▮ Invested▮ Gains

How it stacks up vs alternatives

  • Fixed Deposit (7%)₹3.60 L
  • Category average (13.6%)₹4.31 L
  • This fund (11.90%)₹4.11 L

⚠️ Projection based on past CAGR. Actual returns may vary. Markets are subject to risk; past performance is not a guarantee of future results.

▶Show Advanced Analysis

📈 Risk vs Return

Return 4.5% · Risk (std dev) 8.3%

SweetGrowthSlowAvoidLow riskHigh risk

Safe but slow

Stable but modest returns — suits capital preservation.

Sharpe ratio of -0.24 confirms poor risk-adjusted returns.

🛡️ Downside Protection

If the broader market falls 20%, this fund is expected to fall about 10.3%.

Based on 1Y max drawdown of -7.8% versus a typical market correction of ~-15%. Historical fall ratio ≈ 0.52× market. Above-average protection.

⚠️ Estimate, not a guarantee. Actual market falls vary.

💸 Expense Impact (₹10K/month for 20 years at 12% gross)

  • This fund — Direct (0.56%)₹92.65 L
  • Index fund (0.10%)₹98.57 L
  • Regular plan (~1.50%)₹81.76 L

Choosing this Direct plan over a Regular plan saves about ₹10.89 L. Index fund would still beat it by ₹5.92 L thanks to its lower expense ratio.

Fund information

Scheme category
Hybrid Scheme - Dynamic Asset Allocation or Balanced Advantage
Benchmark
CRISIL Hybrid 50+50 Moderate TR INR
Inception
2013-01-01
Lock-in
None
Exit load
0 - 12 Months : 1.0 %
Plan
Direct
Option
Growth

Data freshness

  • NAV as of: 2026-10-22
  • Metrics calculated: 2026-10-23
  • Source: mfapi.in, AMFI India

NAV trend

See how a SIP grows in this fund

Use the SIP Calculator with this fund's historical CAGR to project a monthly investment.

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