NJ Balanced Advantage Fund - Direct (IDCW)
Dynamic Asset Allocation or Balanced AdvantageNAV
14.44(0.28%)Fund Size (CR)
₹4,279.92Expense Ratio
0.58Scheme Type
Active FundValue Research
Min. investment
₹500Minimum Additional Investment
₹500Minimum SIP Investment
₹100Minimum Withdrawal
₹0Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment1%Return Since Launch
9.30%
- 3M
- 6M
- 1Y
- 3Y
- All
Basic Details
Scheme Manager
Viral Shah
Bench Mark
Nifty 50 Hybrid Composite Debt 50:50 Index
Type
OPEN
Lumpsum Returns
| Period Invested For | ₹10,000 Invested on | Latest Value | Absolute Returns | Annualised Returns | Category Avg | Rank within Category |
|---|---|---|---|---|---|---|
| 1 Week | 26 November 2025 | 9979.21 | -0.21% | - | -0.60% | 14/147 |
| 1 Month | 3 November 2025 | 10055.87 | 0.56% | - | -0.05% | 20/147 |
| 3 Month | 3 September 2025 | 9903.71 | -0.96% | - | 2.58% | 141/147 |
| 6 Month | 3 June 2025 | 10307.80 | 3.08% | - | 3.68% | 121/147 |
| 1 Year | 3 December 2024 | 10147.99 | 1.48% | 1.48% | 3.87% | 128/145 |
| 3 Year | 2 December 2022 | 14062.50 | 40.63% | 12.01% | 11.32% | 54/115 |
| 5 Year | - | - | - | - | - | -/- |
| Since Inception | 29 October 2021 | 14400.00 | 44.00% | 9.30% | 10.13% | 102/147 |
Note: Lumpsum Returns since Inception Date.
SIP Returns
| Period Invested For | ₹10,000 Invested on | Investments | Latest Value | Absolute Returns | Annualised Returns |
|---|---|---|---|---|---|
| 1 Year | 1 January 2025 | 1,20,000 | 123976.09 | 3.31% | 3.31% |
| 3 Year | 2 January 2023 | 3,60,000 | 411921.81 | 14.42% | 4.59% |
| 5 Year | 1 November 2021 | 5,00,000 | 618048.29 | 23.61% | 4.33% |
| 10 Year | - | - | - | - | - |
Note: SIP Returns since Inception Date.
Tax Treatment
If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.
Mutual Funds Calculator
- Investment type
- Scheme based
- SIP
- Lumpsum
Monthly Investment (₹)
Expected Returns Rate (%)
Time Period (in Years)
Invested Amount
₹25,000
Estimated Returns
₹19,059
76%
Returns
Future value of your investment
₹44,059
Risk Ratios
2.44%
Standard Deviation
0.61%
Beta
0.81%
Sharpe Ratio
-0.02%
Treynor's Ratio
3.27%
Jension's Alpha
Asset Allocation
Sector Allocation
Top 10 stock holding in portfolio
| Stock Invested in | % of Total Holdings | Quantity | Value (Cr) | Asset Type | Segment |
|---|---|---|---|---|---|
| Reliance Industr | 9.13% | 2322500 | 345.22 | Equity | Refineries |
| Bajaj Finance | 4.91% | 1780818 | 185.70 | Equity | Finance |
| HDFC Bank | 4.46% | 1709823 | 168.81 | Equity | Banks |
| Eicher Motors | 3.29% | 177452 | 124.34 | Equity | Automobile |
| Bosch | 3.20% | 32454 | 120.87 | Equity | Auto Ancillaries |
| Marico | 3.08% | 1619503 | 116.60 | Equity | FMCG |
| Britannia Inds. | 2.94% | 190145 | 110.98 | Equity | FMCG |
| ICICI Bank | 2.92% | 821747 | 110.55 | Equity | Banks |
| Muthoot Finance | 2.53% | 300978 | 95.67 | Equity | Finance |
| HDFC AMC | 2.38% | 167614 | 90.16 | Equity | Finance |
Peer Comparison
| Scheme Name | Value Research | Asset Size (Cr) | 1M | 3M | 6M | 1Y | 3Y |
|---|---|---|---|---|---|---|---|
| NJ Balanced Advantage Fund - Direct (IDCW) | 4279.92 | 0.56% | -0.96% | 3.08% | 1.48% | 12.01% | |
| ICICI Pru Balanced Advantage Fund - Dir (G) | 61103.40 | 1.28% | 3.85% | 6.86% | 11.20% | 14.02% | |
| ICICI Pru Balanced Advantage Fund - Dir (IDCW-M) | 61103.40 | 1.25% | 3.85% | 6.84% | 11.18% | 14.14% | |
| ICICI Pru Balanced Advantage Fund - Dir (IDCW) | 61103.40 | 1.28% | 3.85% | 6.85% | 11.18% | 14.02% | |
| Aditya Birla SL Balanced Advantage Fund-Dir (G) | 7560.12 | 0.58% | 3.34% | 5.12% | 9.16% | 13.63% | |
| Aditya Birla SL Balanced Advantage Fund-Dir (IDCW) | 7560.12 | 0.58% | 3.34% | 5.13% | 9.15% | 13.63% |
List of Schemes under NJ Mutual Fund
| Fund Name | Category | Risk | 1Y Returns | Ratings | Fund Size (Cr) |
|---|---|---|---|---|---|
| NJ ELSS Tax Saver Scheme | Equity | Very High | -1.79% | 0 | ₹306.88 |
| NJ Overnight Fund | Debt | Low | 5.86% | 2 | ₹289.94 |
| NJ Balanced Advantage Fund | Hybrid | Moderately High | 1.76% | 2 | ₹3,781.06 |
| NJ Arbitrage Fund | Hybrid | Low | 6.28% | 2 | ₹261.98 |
| NJ Flexi Cap Fund | Equity | Very High | -3.61% | 0 | ₹2,438.74 |
News
NJ Mutual Fund announces Appointment of Key Personnel
NJ Mutual Fund has announced the appointment of Mr. Manav Ravi Shah as Research Analyst with effect from July 21, 2025:Details of Mr. Manav Ravi Shah
Age: 21 years
Designation: Research Analyst
Qualification: Bachelors in Accounts and Finance and CFA Level 1 completed
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Fund House Details & Investment Objective
Date of Incorporation
8 October 2021
Total AUM (Cr)
₹3781.06
NJ Balanced Advantage Fund - Direct (IDCW) is an Dynamic Asset Allocation or Balanced Advantage-oriented fund from the renowned AMC, NJ Mutual Fund. Launched in 8 October 2021, this fund is managed by Viral Shah. With assets under management (AUM) worth ₹3,781.06 (Cr), as of 4 December 2025, NJ Balanced Advantage Fund - Direct (IDCW) is categorized as a Dynamic Asset Allocation or Balanced Advantage within its segment. The fund has generated a return of 9.30% since its launch.
The current NAV of NJ Balanced Advantage Fund - Direct (IDCW) is ₹14.44, as on 4 December 2025. The fund's benchmark index is Nifty 50 Hybrid Composite Debt 50:50 Index. You can invest in NJ Balanced Advantage Fund - Direct (IDCW) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹100 while the minimum lumpsum investment is ₹500.
Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
The fund has generated 12.01% and undefined% CAGR in the last 3 and 5 years respectively.
The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 91.88% in Equity, 7.19% in Debt and 0.93% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 10.80% in Debt, 9.79% in Pharmaceuticals & Biotech, 9.30% in Automobiles, 8.75% in IT-Software, 8.67% in Petroleum Products