Sharpe ratio
0.18Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+1.61%1Y Absolute Return
-0.55%1D
Loading NAV history…
Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| NJ Balanced Advantage Fund - Direct Plan - Growth OptionFund 5Y annualised return | ₹8,84,452 | ₹7,32,612 | ₹1,51,840 | +7.77% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.08
₹1 Lakh since launch₹1.08 Lakh
Fund age5.0 yrs
Fund information
Scheme code149264
ISININF0J8L01040
BenchmarkNIFTY 50 Hybrid Composite Debt 50:50 Index
CategoryHybrid Scheme - Dynamic Asset Allocation or Balanced Advantage
Expense ratio1.12%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
57th / 145 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +36.81% | — | — |
| 3M | -5.33% | — | — |
| 6M | +5.30% | — | — |
| 1Y | +1.61% | — | +0.31% |
| 3Y | +7.91% | — | +7.18% |
| 5Y | +7.77% | — | +6.13% |
| Since Launch | +7.73% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.25Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
8.00%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.52How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Equity67.59%
Hedged Equity24.64%
Debt7.69%
Cash0.08%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 259 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Cash Margin | Unspecified | Cash Margin | 24.6422% |
| HDFC Bank Ltd | Financial | Equity | 6.5031% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 4.2494% |
| ICICI Bank Ltd | Financial | Equity | 3.6884% |
| Marico Ltd | Consumer Staples | Equity | 3.4686% |
| Bosch Ltd | Consumer Discretionary | Equity | 3.1819% |
| Eicher Motors Ltd | Consumer Discretionary | Equity | 2.8177% |
| Britannia Industries Ltd | Consumer Staples | Equity | 2.7753% |
| Dr. Lal Pathlabs Ltd | Healthcare | Equity | 2.7424% |
| Cipla Ltd | Healthcare | Equity | 2.728% |
Fund management
DH
Dhaval Patel
Since 2023 · Prior to joining NJ Mutual Fund, he has worked with Axis Mutual Fund, Credit Analysis & Research Ltd.
Mr. Patel has done IBS from Hyderabad
VI
Viral Shah
Since 2022 · Mr. Shah has started his career with NJ Group and has been Principal Officer for PMS segment with NJ Asset Management for more than 10 years.
Mr. Shah has done B.E. and MBA (Finance)
JA
Jaimin Ilavia
Since 2026 · Mr. Jaimin has Experience in dealing and portfolio management across various investment strategies of Portfolio management Services (PMS) segment in NJ AMC.
M.Com, CFA
Compare similar funds
No comparable category funds are available yet.
Summary
A very high-risk hybrid scheme - dynamic asset allocation or balanced advantage fund. Ahead of its category average over 3Y by 0.7 points. Ranks 57 of 145 in its category over 1 year.
Strengths
- Ahead of its category average over 3Y by 0.7 points.
- Losses and swings stayed contained — worst fall -14.8%, volatility 8.0%.
Weaknesses
- None
Ideal investor
- Needs a 4–5+ years horizon to ride out its very high risk level.
Risk drivers
- None