ITI Balanced Advantage Fund - Regular Plan - Growth Option
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 100% of 3-year investment horizons.
- Strong capital defense: downside capture of 42% limits losses during market corrections.
- Expense ratio (3.22%) is higher than category median (2.4%), which creates fee drag over time.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +3.31% | +5.51% | -2.20% |
| 3 Months | -0.66% | +1.29% | -1.95% |
| 6 Months | +2.69% | +5.25% | -2.56% |
| 1 Year | -1.67% | +2.38% | -4.05% |
| 3 Years CAGR | +7.46% | +9.06% | -1.60% |
| 5 Years CAGR | +5.53% | +7.86% | -2.33% |
| Since Inception | +5.38% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in ITI Balanced Advantage Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | -2.75% | +1.91% | -4.66% |
| 2025 | +4.43% | +5.68% | -1.25% |
| 2024 | +13.52% | +12.82% | +0.70% |
| 2023 | +17.15% | +18.07% | -0.92% |
| 2022 | -3.10% | +2.58% | -5.68% |
| 2021 | +22.09% | +13.27% | +8.82% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -11.65% | +9.20% | +6.75% | +38.79% | 76.8% | 20.5% |
| 3-Year Rolling | +0.95% | +9.76% | +10.17% | +15.04% | 100.0% | 5.2% |
| 5-Year Rolling | +3.88% | +8.96% | +9.19% | +15.09% | 100.0% | 0.2% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2020-01-24 | 2020-03-23 | -33.9% | 2 months | 16 months |
| 2021-10-18 | 2022-06-17 | -11.4% | 8 months | 12 months |
| 2026-01-02 | 2026-10-23 | -10.9% | 10 months | Not yet recovered |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity, Units Issued by REITs & Equity related instruments including derivatives 65%-100%, Money market instruments(including cash and reverse repo) and debt instruments with residual maturity up to 3 years 0%-35%, Units issued by InvITs 0%-10%. | Per Scheme Mandate |
Investment Objective & Strategy
The investment objective of the Scheme is to seek capital appreciation by investing in equity and equity related securities and fixed income instruments. The allocation between equity instruments and fixed income will be managed dynamically so as to provide investors with long term capital appreciation. However, there can be no assurance that the investment objective of the scheme will be realized.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 319 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as small relative to Balanced Advantage schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Balanced Advantage Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| Tata Balanced Advantage Fund | 4.8 | +7.58% | 1.85% | 52.0% | Rs 8,166 cr | Compare → |
| PGIM India Balanced Advantage Fund | 2.9 | +7.25% | 2.48% | 73.5% | Rs 714 cr | Compare → |
| Sundaram Dynamic Asset Allocation Fund | 3.4 | +7.64% | 2.54% | 60.8% | Rs 1,660 cr | Compare → |
| NJ Balanced Advantage Fund | 3.3 | +7.01% | 2.40% | 54.7% | Rs 3,335 cr | Compare → |
| LIC MF Balanced Advantage Fund | 3.4 | +7.75% | 2.91% | 53.3% | Rs 672 cr | Compare → |
Frequently Asked Questions about ITI Balanced Advantage Fund
What is the expense ratio of ITI Balanced Advantage Fund?
ITI Balanced Advantage Fund has a total expense ratio (TER) of 3.22% with a base expense ratio of 2.1%, compared to the Balanced Advantage category median of 2.40%.
Who manages ITI Balanced Advantage Fund?
ITI Balanced Advantage Fund is managed by Nilay Dalal (tenure: 0.5 years since 2026-05-08).
What are the historical returns of ITI Balanced Advantage Fund?
ITI Balanced Advantage Fund delivered a 3-year CAGR of 7.46% and a 5-year CAGR of 5.53%. Its 1-year return stands at -1.67%.
How large is ITI Balanced Advantage Fund?
ITI Balanced Advantage Fund manages assets of Rs 319 cr, placing it in the 'small' size band relative to Balanced Advantage peers.
How is ITI Balanced Advantage Fund scored on MFIQ?
ITI Balanced Advantage Fund holds an MFIQ Score of 2.5/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is ITI Balanced Advantage Fund?
ITI Balanced Advantage Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 9.48% with a maximum historical drawdown of -33.85%.