NJ Balanced Advantage Fund Review 2025 – NAV, Returns, SIP Performance & Taxation
The NJ Balanced Advantage Fund is an increasingly popular choice among investors. They seek stability and controlled risk. They also aim for long-term wealth creation. This hybrid fund uses a dynamic mix of equity and debt allocation. It adjusts its strategy automatically based on market valuations. The goal is to deliver consistent and less volatile returns.
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What Is the NJ Balanced Advantage Fund?
This is an open-ended dynamic asset allocation hybrid scheme managed by NJ Mutual Fund. It aims to generate long-term capital appreciation by strategically allocating assets between equity, debt, and arbitrage based on market trends.
- Fund Type: Balanced Advantage / Dynamic Asset Allocation
- Launch Date: 29 October 2021
- Plan: Regular – Growth
Key Features of NJ Balanced Advantage Fund
1. Dynamic Asset Allocation
The fund dynamically shifts between equity, debt, and arbitrage depending on valuations and market sentiment. This helps reduce downside risk while participating in equity upside.
2. Balanced Risk-Return Approach
Designed for investors who want growth with lower volatility compared to pure equity funds.
3. Tax Efficiency
The fund’s tax treatment depends on its 12-month average equity allocation (explained later).
Investment Objective & Benchmark
Objective: “To generate capital appreciation by dynamically allocating its assets between equity and specified debt securities.”
Benchmark: NIFTY 50 Hybrid Composite Debt 50:50 Index
NJ Balanced Advantage Fund: Latest NAV & Returns
| Metric | Details |
|---|---|
| Current NAV | Rs 13.41 (as of 14 Nov 2024) |
| 1-Year Return | 21.07% |
| 3-Year CAGR | 10.76% |
| Since Inception | 10.73% |
| AUM | Rs 4,253.98 Crore (as of 30 Sep 2024) |
| Expense Ratio (Regular Plan) | 1.89% (as of 31 Oct 2024) |
| Exit Load | 1% if redeemed within 30 days for units exceeding 5% of investment |
| Minimum Lump Sum | Rs 500 |
| Minimum SIP | Rs 100 |
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Who Should Invest?
- Investment Horizon: 5–7 years+
- Risk Level: Moderate
- Best For: Investors seeking equity growth + downside protection
Asset Allocation (Dynamic)
| Asset Type | Allocation (Approx.) |
|---|---|
| Equity | Depends on market valuations |
| Debt | Used to stabilize volatility |
| Arbitrage | Used for risk-free returns |
SIP Returns of NJ Balanced Advantage Fund
| Time Period | Total Investment | Estimated SIP Value | CAGR |
|---|---|---|---|
| 1 Year | Rs 12,000 | Reflects NAV growth | 21.07% |
| 3 Years | Rs 36,000 | Based on dynamic allocation | 10.76% |
Taxation Rules for Balanced Advantage Funds
If Equity Allocation ≥ 65%
- STCG (< 1 year): 15%
- LTCG (> 1 year): 10% above Rs 1 lakh
If Equity Allocation 35%–65%
- STCG (< 3 years): Taxed as per income slab
- LTCG (> 3 years): 20% with indexation
If Equity Allocation < 35%
- All gains taxed as per income slab (post 1 April 2023)
Dividend Tax
- Dividend added to investor’s income
- TDS 10% above Rs 5,000 per year
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How to Invest
- Invest in NJ Balanced Advantage Fund (Official Link)
- Through NJ Mutual Fund platforms
- Apps: Groww, Zerodha Coin, Paytm Money, Kuvera
More Resources
Conclusion
The NJ Balanced Advantage Fund is a solid choice for moderate-risk investors who want long-term wealth creation with lesser volatility. Its dynamic allocation model helps control risk while aiming for consistent returns.
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