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NJ Balanced Advantage Fund Regular Growth
HybridDynamic Asset AllocationVery High Risk
Regular
NAV (10-Nov-25)
₹13.560.37%1D
Returns (Since Inception)
7.84%
Rated ★4.3+ on 
Fund Overview
Fund Size
₹3,781 Cr
Expense Ratio
1.89%
ISIN
INF0J8L01024
Minimum SIP
₹500
Exit Load
1.00%
Inception Date
29 Oct 2021
About this fund
NJ Balanced Advantage Fund Regular Growth is a Dynamic Asset Allocation mutual fund schemes offered by NJ Mutual Fund. This fund has been in existence for 4 years and 13 days, having been launched on 29-Oct-21.
As of 10-Nov-25, it has a Net Asset Value (NAV) of ₹13.56, Assets Under Management (AUM) of 3781.06 Crores, and an expense ratio of 1.89%.
As of 10-Nov-25, it has a Net Asset Value (NAV) of ₹13.56, Assets Under Management (AUM) of 3781.06 Crores, and an expense ratio of 1.89%.
- NJ Balanced Advantage Fund Regular Growth has given a CAGR return of 7.84% since inception.
- The fund's asset allocation comprises around 66.10% in equities, 2.61% in debts, and 31.29% in cash & cash equivalents.
- You can start investing in NJ Balanced Advantage Fund Regular Growth with a SIP of ₹500 or a Lumpsum investment of ₹500.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
-0.44%
+4.50% (Cat Avg.)
3 Years
+11.13%
+12.29% (Cat Avg.)
Since Inception
+7.84%
— (Cat Avg.)
Portfolio Summaryas of 31st October 2025
| Equity | ₹2,499.14 Cr | 66.10% |
| Debt | ₹98.82 Cr | 2.61% |
| Others | ₹1,183.1 Cr | 31.29% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Cash Offset For Derivatives | Cash - General Offset | ₹974.9 Cr | 25.78% |
| Future on Reliance Industries Ltd | Equity - Future | ₹-347.59 Cr | 9.19% |
| Reliance Industries Ltd | Equity | ₹345.22 Cr | 9.13% |
| Bajaj Finance Ltd | Equity | ₹185.7 Cr | 4.91% |
| HDFC Bank Ltd | Equity | ₹168.81 Cr | 4.46% |
| Eicher Motors Ltd | Equity | ₹124.34 Cr | 3.29% |
| Bosch Ltd | Equity | ₹120.87 Cr | 3.20% |
| Marico Ltd | Equity | ₹116.6 Cr | 3.08% |
| Britannia Industries Ltd | Equity | ₹110.98 Cr | 2.94% |
| ICICI Bank Ltd | Equity | ₹110.55 Cr | 2.92% |
| Muthoot Finance Ltd | Equity | ₹95.67 Cr | 2.53% |
| HDFC Asset Management Co Ltd | Equity | ₹90.16 Cr | 2.38% |
| Hdfc Bank Limited November 2025 Future | Equity - Future | ₹-89.1 Cr | 2.36% |
| Future on Bajaj Finance Ltd | Equity - Future | ₹-88.8 Cr | 2.35% |
| Clearing Corporation Of India Ltd | Cash - Repurchase Agreement | ₹78.13 Cr | 2.07% |
| Kotak Mahindra Bank Ltd | Equity | ₹74.49 Cr | 1.97% |
| SBI Cards and Payment Services Ltd Ordinary Shares | Equity | ₹74.19 Cr | 1.96% |
| Nestle India Ltd | Equity | ₹73.48 Cr | 1.94% |
| Great Eastern Shipping Co Ltd | Equity | ₹71.64 Cr | 1.89% |
| Hindustan Unilever Ltd | Equity | ₹71.44 Cr | 1.89% |
| Endurance Technologies Ltd | Equity | ₹67.83 Cr | 1.79% |
| Tech Mahindra Ltd | Equity | ₹67.59 Cr | 1.79% |
| Hero MotoCorp Ltd | Equity | ₹67.32 Cr | 1.78% |
| Mphasis Ltd | Equity | ₹67.21 Cr | 1.78% |
| Wipro Ltd | Equity | ₹66.83 Cr | 1.77% |
| Page Industries Ltd | Equity | ₹66.72 Cr | 1.76% |
| Pidilite Industries Ltd | Equity | ₹65.39 Cr | 1.73% |
| Dr. Lal PathLabs Ltd | Equity | ₹65.08 Cr | 1.72% |
| Dr Reddy's Laboratories Ltd | Equity | ₹65.01 Cr | 1.72% |
| India (Republic of) | Bond - Short-term Government Bills | ₹48.21 Cr | 1.28% |
| Ajanta Pharma Ltd | Equity | ₹47.23 Cr | 1.25% |
| UTI Asset Management Co Ltd | Equity | ₹44.13 Cr | 1.17% |
| ITC Ltd | Equity | ₹43.76 Cr | 1.16% |
| Aptus Value Housing Finance India Ltd | Equity | ₹43.04 Cr | 1.14% |
| Future on State Bank of India | Equity - Future | ₹-36.91 Cr | 0.98% |
| State Bank of India | Equity | ₹36.61 Cr | 0.97% |
| Net Receivables / (Payables) | Cash | ₹35.15 Cr | 0.93% |
| Icici Bank Limited November 2025 Future | Equity - Future | ₹-28.92 Cr | 0.76% |
| Future on Kotak Mahindra Bank Ltd | Equity - Future | ₹-28.7 Cr | 0.76% |
| Trent Ltd | Equity | ₹28.12 Cr | 0.74% |
| Future on Jio Financial Services Ltd | Equity - Future | ₹-27.75 Cr | 0.73% |
| Jio Financial Services Ltd | Equity | ₹27.54 Cr | 0.73% |
| Asian Paints Ltd | Equity | ₹26.79 Cr | 0.71% |
| Sun Pharmaceuticals Industries Ltd | Equity | ₹26.71 Cr | 0.71% |
| Future on Axis Bank Ltd | Equity - Future | ₹-25.69 Cr | 0.68% |
| Trent Limited November 2025 Future | Equity - Future | ₹-25.54 Cr | 0.68% |
| Axis Bank Ltd | Equity | ₹25.5 Cr | 0.67% |
| 8.33% Govt Stock 2026 | Bond - Gov't/Treasury | ₹25.44 Cr | 0.67% |
| HCL Technologies Ltd | Equity | ₹25.36 Cr | 0.67% |
| 7.27% Govt Stock 2026 | Bond - Gov't/Treasury | ₹25.17 Cr | 0.67% |
| 5.15% Govt Stock 2025 | Bond - Gov't/Treasury | ₹25 Cr | 0.66% |
| 05.41 GA Sdl 2025 | Bond - Gov't/Treasury | ₹24.99 Cr | 0.66% |
| Treasury Bills | Bond - Gov't/Treasury | ₹24.75 Cr | 0.65% |
| Oil & Natural Gas Corp Ltd | Equity | ₹24.29 Cr | 0.64% |
| Tata Consultancy Services Ltd | Equity | ₹24.12 Cr | 0.64% |
| Crompton Greaves Consumer Electricals Ltd | Equity | ₹23.55 Cr | 0.62% |
| Power Grid Corp Of India Ltd | Equity | ₹23.43 Cr | 0.62% |
| Infosys Ltd | Equity | ₹23.42 Cr | 0.62% |
| Tata Technologies Ltd | Equity | ₹23.42 Cr | 0.62% |
| Bajaj Auto Ltd | Equity | ₹23.34 Cr | 0.62% |
| Kajaria Ceramics Ltd | Equity | ₹23.32 Cr | 0.62% |
| Cipla Ltd | Equity | ₹23.04 Cr | 0.61% |
| Bayer CropScience Ltd | Equity | ₹22.68 Cr | 0.60% |
| Dabur India Ltd | Equity | ₹22.61 Cr | 0.60% |
| Berger Paints India Ltd | Equity | ₹22.33 Cr | 0.59% |
| Future on Aditya Birla Capital Ltd | Equity - Future | ₹-22.05 Cr | 0.58% |
| Castrol India Ltd | Equity | ₹22.05 Cr | 0.58% |
| Aditya Birla Capital Ltd | Equity | ₹21.91 Cr | 0.58% |
| Gujarat State Petronet Ltd | Equity | ₹21.83 Cr | 0.58% |
| Tata Elxsi Ltd | Equity | ₹21.23 Cr | 0.56% |
| L&T Technology Services Ltd | Equity | ₹21.16 Cr | 0.56% |
| Procter & Gamble Hygiene and Health Care Ltd | Equity | ₹20.44 Cr | 0.54% |
| Gillette India Ltd | Equity | ₹18.86 Cr | 0.50% |
| Future on DLF Ltd | Equity - Future | ₹-17.97 Cr | 0.48% |
| Future on Mahindra & Mahindra Ltd | Equity - Future | ₹-17.91 Cr | 0.47% |
| DLF Ltd | Equity | ₹17.84 Cr | 0.47% |
| Mahindra & Mahindra Ltd | Equity | ₹17.78 Cr | 0.47% |
| Future on Bharti Airtel Ltd | Equity - Future | ₹-17.62 Cr | 0.47% |
| Bharti Airtel Ltd | Equity | ₹17.47 Cr | 0.46% |
| CRISIL Ltd | Equity | ₹16.27 Cr | 0.43% |
| Future on Bank of Baroda | Equity - Future | ₹-15.22 Cr | 0.40% |
| Bank of Baroda | Equity | ₹15.15 Cr | 0.40% |
| 364 DTB 01012026 | Bond - Gov't/Treasury | ₹14.87 Cr | 0.39% |
| Itc Limited December 2025 Future | Equity - Future | ₹-14.71 Cr | 0.39% |
| Future on Larsen & Toubro Ltd | Equity - Future | ₹-12.85 Cr | 0.34% |
| Larsen & Toubro Ltd | Equity | ₹12.77 Cr | 0.34% |
| Future on Canara Bank | Equity - Future | ₹-11.99 Cr | 0.32% |
| Canara Bank | Equity | ₹11.93 Cr | 0.32% |
| Future on Adani Enterprises Ltd | Equity - Future | ₹-11.29 Cr | 0.30% |
| Adani Enterprises Ltd | Equity | ₹11.24 Cr | 0.30% |
| Abbott India Ltd | Equity | ₹11.01 Cr | 0.29% |
| Titan Company Limited November 2025 Future | Equity - Future | ₹-10.42 Cr | 0.28% |
| Titan Co Ltd | Equity | ₹10.36 Cr | 0.27% |
| Future on Tata Power Co Ltd | Equity - Future | ₹-9.78 Cr | 0.26% |
| Tata Power Co Ltd | Equity | ₹9.75 Cr | 0.26% |
| Future on Ambuja Cements Ltd | Equity - Future | ₹-9.62 Cr | 0.25% |
| Ambuja Cements Ltd | Equity | ₹9.56 Cr | 0.25% |
| Icici Bank Limited December 2025 Future | Equity - Future | ₹-7.35 Cr | 0.19% |
| Eternal Limited November 2025 Future | Equity - Future | ₹-7.29 Cr | 0.19% |
| Eternal Ltd | Equity | ₹7.24 Cr | 0.19% |
| Future on Solar Industries India Ltd | Equity - Future | ₹-6.61 Cr | 0.17% |
| Future on Hindustan Unilever Ltd | Equity - Future | ₹-6.57 Cr | 0.17% |
| Solar Industries India Ltd | Equity | ₹6.56 Cr | 0.17% |
| Future on Bandhan Bank Ltd | Equity - Future | ₹-6.16 Cr | 0.16% |
| Bandhan Bank Ltd | Equity | ₹6.14 Cr | 0.16% |
| Future on SBI Life Insurance Co Ltd | Equity - Future | ₹-5.51 Cr | 0.15% |
| SBI Life Insurance Co Ltd | Equity | ₹5.5 Cr | 0.15% |
| Itc Limited November 2025 Future | Equity - Future | ₹-5.41 Cr | 0.14% |
| Future on Yes Bank Ltd | Equity - Future | ₹-5.19 Cr | 0.14% |
| Yes Bank Ltd | Equity | ₹5.16 Cr | 0.14% |
| Future on One97 Communications Ltd | Equity - Future | ₹-4.93 Cr | 0.13% |
| One97 Communications Ltd | Equity | ₹4.91 Cr | 0.13% |
| Future on Bajaj Finserv Ltd | Equity - Future | ₹-4.83 Cr | 0.13% |
| Bajaj Finserv Ltd | Equity | ₹4.8 Cr | 0.13% |
| 08.15 MH Sdl 2025 | Bond - Gov't/Treasury | ₹4.32 Cr | 0.11% |
| Future on Tata Steel Ltd | Equity - Future | ₹-4.15 Cr | 0.11% |
| Tata Steel Ltd | Equity | ₹4.12 Cr | 0.11% |
| Future on Petronet LNG Ltd | Equity - Future | ₹-3.67 Cr | 0.10% |
| Petronet LNG Ltd | Equity | ₹3.65 Cr | 0.10% |
| SKF India (Industrial) Ltd | Equity | ₹3.31 Cr | 0.09% |
| Indus Towers Limited November 2025 Future | Equity - Future | ₹-3.05 Cr | 0.08% |
| Future on Godrej Properties Ltd | Equity - Future | ₹-3.04 Cr | 0.08% |
| Indus Towers Ltd Ordinary Shares | Equity | ₹3.03 Cr | 0.08% |
| Godrej Properties Ltd | Equity | ₹3.02 Cr | 0.08% |
| Future on Punjab National Bank | Equity - Future | ₹-2.96 Cr | 0.08% |
| Punjab National Bank | Equity | ₹2.95 Cr | 0.08% |
| Hdfc Bank Limited December 2025 Future | Equity - Future | ₹-2.75 Cr | 0.07% |
| Trent Limited December 2025 Future | Equity - Future | ₹-2.7 Cr | 0.07% |
| SKF India Ltd | Equity | ₹2.61 Cr | 0.07% |
| Future on Samvardhana Motherson International Ltd | Equity - Future | ₹-2.61 Cr | 0.07% |
| Samvardhana Motherson International Ltd | Equity | ₹2.59 Cr | 0.07% |
| Future on Sun Pharmaceuticals Industries Ltd | Equity - Future | ₹-2.56 Cr | 0.07% |
| Future on Asian Paints Ltd | Equity - Future | ₹-2.46 Cr | 0.07% |
| Future on Varun Beverages Ltd | Equity - Future | ₹-2.39 Cr | 0.06% |
| Varun Beverages Ltd | Equity | ₹2.36 Cr | 0.06% |
| Future on Adani Ports & Special Economic Zone Ltd | Equity - Future | ₹-1.87 Cr | 0.05% |
| Adani Ports & Special Economic Zone Ltd | Equity | ₹1.86 Cr | 0.05% |
| Future on Hindustan Aeronautics Ltd Ordinary Shares | Equity - Future | ₹-1.55 Cr | 0.04% |
| Hindustan Aeronautics Ltd Ordinary Shares | Equity | ₹1.54 Cr | 0.04% |
| Future on Crompton Greaves Consumer Electricals Ltd | Equity - Future | ₹-1.44 Cr | 0.04% |
| 08.31 PN Sdl 2026 | Bond - Gov't/Treasury | ₹1.01 Cr | 0.03% |
| Future on GAIL (India) Ltd | Equity - Future | ₹-0.92 Cr | 0.02% |
| GAIL (India) Ltd | Equity | ₹0.92 Cr | 0.02% |
| Future on Exide Industries Ltd | Equity - Future | ₹-0.83 Cr | 0.02% |
| Exide Industries Ltd | Equity | ₹0.82 Cr | 0.02% |
| Future on United Spirits Ltd | Equity - Future | ₹-0.75 Cr | 0.02% |
| United Spirits Ltd | Equity | ₹0.74 Cr | 0.02% |
| Future on GMR Airports Ltd | Equity - Future | ₹-0.72 Cr | 0.02% |
| GMR Airports Ltd | Equity | ₹0.72 Cr | 0.02% |
| Future on Bharat Heavy Electricals Ltd | Equity - Future | ₹-0.63 Cr | 0.02% |
| Bharat Heavy Electricals Ltd | Equity | ₹0.63 Cr | 0.02% |
| The Indian Hotels Company Limited November 2025 Future | Equity - Future | ₹-0.45 Cr | 0.01% |
| Indian Hotels Co Ltd | Equity | ₹0.45 Cr | 0.01% |
| Future on HFCL Ltd | Equity - Future | ₹-0.43 Cr | 0.01% |
| HFCL Ltd | Equity | ₹0.43 Cr | 0.01% |
| Future on JSW Energy Ltd | Equity - Future | ₹-0.42 Cr | 0.01% |
| JSW Energy Ltd | Equity | ₹0.42 Cr | 0.01% |
| Future on Bharat Electronics Ltd | Equity - Future | ₹-0.37 Cr | 0.01% |
| Bharat Electronics Ltd | Equity | ₹0.36 Cr | 0.01% |
| Future on Laurus Labs Ltd | Equity - Future | ₹-0.33 Cr | 0.01% |
| Laurus Labs Ltd | Equity | ₹0.32 Cr | 0.01% |
| Future on Mphasis Ltd | Equity - Future | ₹-0.31 Cr | 0.01% |
| Cipla Limited November 2025 Future | Equity - Future | ₹-0.28 Cr | 0.01% |
| Future on UltraTech Cement Ltd | Equity - Future | ₹-0.24 Cr | 0.01% |
| UltraTech Cement Ltd | Equity | ₹0.24 Cr | 0.01% |
| Future on Nestle India Ltd | Equity - Future | ₹-0.19 Cr | 0.01% |
| Future on Adani Energy Solutions Ltd | Equity - Future | ₹-0.13 Cr | 0.00% |
| Adani Energy Solutions Ltd | Equity | ₹0.13 Cr | 0.00% |
| Future on The Federal Bank Ltd | Equity - Future | ₹-0.12 Cr | 0.00% |
| The Federal Bank Ltd | Equity | ₹0.12 Cr | 0.00% |
| Future on HDFC Life Insurance Co Ltd | Equity - Future | ₹-0.08 Cr | 0.00% |
| HDFC Life Insurance Co Ltd | Equity | ₹0.08 Cr | 0.00% |
| Future on Adani Green Energy Ltd | Equity - Future | ₹-0.07 Cr | 0.00% |
| Adani Green Energy Ltd | Equity | ₹0.07 Cr | 0.00% |
| Abb India Limited November 2025 Future | Equity - Future | ₹-0.07 Cr | 0.00% |
| ABB India Ltd | Equity | ₹0.07 Cr | 0.00% |
| Future on Tata Consumer Products Ltd | Equity - Future | ₹-0.06 Cr | 0.00% |
| Tata Consumer Products Ltd | Equity | ₹0.06 Cr | 0.00% |
Allocation By Market Cap (Equity)
Large Cap Stocks
36.10%
Mid Cap Stocks
23.29%
Small Cap Stocks
11.86%
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹1,066.41 Cr | 28.20% |
| Consumer Cyclical | ₹561.35 Cr | 14.85% |
| Consumer Defensive | ₹481.33 Cr | 12.73% |
| Energy | ₹406.45 Cr | 10.75% |
| Technology | ₹345.68 Cr | 9.14% |
| Healthcare | ₹238.41 Cr | 6.31% |
| Basic Materials | ₹157.67 Cr | 4.17% |
| Industrials | ₹115.52 Cr | 3.06% |
| Utilities | ₹56.54 Cr | 1.50% |
| Real Estate | ₹20.86 Cr | 0.55% |
| Communication Services | ₹20.5 Cr | 0.54% |
Risk & Performance Ratios
Standard Deviation
This fund
8.41%
Cat. avg.
7.71%
Lower the better
Sharpe Ratio
This fund
0.56
Cat. avg.
0.77
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
1.29
Higher the better
Fund Managers
VS
Viral Shah
Since October 2022
DP
Dhaval Patel
Since March 2023
Additional Scheme Detailsas of 31st October 2025
ISIN INF0J8L01024 | Expense Ratio 1.89% | Exit Load 1.00% | Fund Size ₹3,781 Cr | Age 4 years | Lumpsum Minimum ₹500 | Fund Status Open Ended Investment Company | Benchmark NIFTY 50 Arbitrage TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
Dividend Taxation:
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Dynamic Asset Allocation Funds
About the AMC
NJ Mutual Fund
Total AUM
₹7,096 Cr
Address
Unit No. 101A, 1st Floor, Mumbai, 400051
Other Funds by NJ Mutual Fund
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| NJ Flexi Cap Fund Direct Growth Very High Risk | 0.5% | 1.0% | ₹2438.74 Cr | -4.8% |
| NJ Overnight Fund Direct Growth Low Risk | 0.1% | 0.0% | ₹297.95 Cr | 5.9% |
| NJ Arbitrage Fund Direct Growth Low Risk | 0.3% | 0.0% | ₹261.98 Cr | 6.2% |
| NJ Balanced Advantage Fund Direct Growth Very High Risk | 0.6% | 1.0% | ₹3781.06 Cr | 0.8% |
| NJ ELSS Tax Saver Scheme Direct Growth Very High Risk | 0.6% | 0.0% | ₹306.88 Cr | -2.6% |
Risk Level
Your principal amount will be at Very High Risk
Take control of your wealth
Related Articles
Still got questions?
We're here to help.
What is the current NAV of NJ Balanced Advantage Fund Regular Growth?
The NAV of NJ Balanced Advantage Fund Regular Growth, as of 10-Nov-2025, is ₹13.56.
What are the returns of NJ Balanced Advantage Fund Regular Growth?
The fund has generated -0.44% over the last 1 year and 11.13% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
What is the portfolio composition of NJ Balanced Advantage Fund Regular Growth?
The fund's allocation of assets is distributed as 66.10% in equities, 2.61% in bonds, and 31.29% in cash and cash equivalents.
Who manages the NJ Balanced Advantage Fund Regular Growth?
The fund managers responsible for NJ Balanced Advantage Fund Regular Growth are:-
- Viral Shah
- Dhaval Patel
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Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
NJ Balanced Advantage Fund Regular Growth
HybridDynamic Asset AllocationVery High Risk
Regular
NAV (10-Nov-25)
₹13.560.37%1D
Returns (Since Inception)
7.84%
Rated ★4.3+ on
Fund Overview
Fund Size
₹3,781 Cr
Expense Ratio
1.89%
ISIN
INF0J8L01024
Minimum SIP
₹500
Exit Load
1.00%
Inception Date
29 Oct 2021
Risk Level
Your principal amount will be at Very High Risk
About this fund
NJ Balanced Advantage Fund Regular Growth is a Dynamic Asset Allocation mutual fund schemes offered by NJ Mutual Fund. This fund has been in existence for 4 years and 13 days, having been launched on 29-Oct-21.
As of 10-Nov-25, it has a Net Asset Value (NAV) of ₹13.56, Assets Under Management (AUM) of 3781.06 Crores, and an expense ratio of 1.89%.
As of 10-Nov-25, it has a Net Asset Value (NAV) of ₹13.56, Assets Under Management (AUM) of 3781.06 Crores, and an expense ratio of 1.89%.
- NJ Balanced Advantage Fund Regular Growth has given a CAGR return of 7.84% since inception.
- The fund's asset allocation comprises around 66.10% in equities, 2.61% in debts, and 31.29% in cash & cash equivalents.
- You can start investing in NJ Balanced Advantage Fund Regular Growth with a SIP of ₹500 or a Lumpsum investment of ₹500.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
-0.44%
+4.50% (Cat Avg.)
3 Years
+11.13%
+12.29% (Cat Avg.)
Since Inception
+7.84%
— (Cat Avg.)
Portfolio Summaryas of 31st October 2025
| Equity | ₹2,499.14 Cr | 66.10% |
| Debt | ₹98.82 Cr | 2.61% |
| Others | ₹1,183.1 Cr | 31.29% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type | Amount | Holdings |
|---|---|---|---|
| Cash Offset For Derivatives | Cash - General Offset | ₹974.9 Cr | 25.78% |
| Future on Reliance Industries Ltd | Equity - Future | ₹-347.59 Cr | 9.19% |
| Reliance Industries Ltd | Equity | ₹345.22 Cr | 9.13% |
| Bajaj Finance Ltd | Equity | ₹185.7 Cr | 4.91% |
| HDFC Bank Ltd | Equity | ₹168.81 Cr | 4.46% |
| Eicher Motors Ltd | Equity | ₹124.34 Cr | 3.29% |
| Bosch Ltd | Equity | ₹120.87 Cr | 3.20% |
| Marico Ltd | Equity | ₹116.6 Cr | 3.08% |
| Britannia Industries Ltd | Equity | ₹110.98 Cr | 2.94% |
| ICICI Bank Ltd | Equity | ₹110.55 Cr | 2.92% |
| Muthoot Finance Ltd | Equity | ₹95.67 Cr | 2.53% |
| HDFC Asset Management Co Ltd | Equity | ₹90.16 Cr | 2.38% |
| Hdfc Bank Limited November 2025 Future | Equity - Future | ₹-89.1 Cr | 2.36% |
| Future on Bajaj Finance Ltd | Equity - Future | ₹-88.8 Cr | 2.35% |
| Clearing Corporation Of India Ltd | Cash - Repurchase Agreement | ₹78.13 Cr | 2.07% |
| Kotak Mahindra Bank Ltd | Equity | ₹74.49 Cr | 1.97% |
| SBI Cards and Payment Services Ltd Ordinary Shares | Equity | ₹74.19 Cr | 1.96% |
| Nestle India Ltd | Equity | ₹73.48 Cr | 1.94% |
| Great Eastern Shipping Co Ltd | Equity | ₹71.64 Cr | 1.89% |
| Hindustan Unilever Ltd | Equity | ₹71.44 Cr | 1.89% |
| Endurance Technologies Ltd | Equity | ₹67.83 Cr | 1.79% |
| Tech Mahindra Ltd | Equity | ₹67.59 Cr | 1.79% |
| Hero MotoCorp Ltd | Equity | ₹67.32 Cr | 1.78% |
| Mphasis Ltd | Equity | ₹67.21 Cr | 1.78% |
| Wipro Ltd | Equity | ₹66.83 Cr | 1.77% |
| Page Industries Ltd | Equity | ₹66.72 Cr | 1.76% |
| Pidilite Industries Ltd | Equity | ₹65.39 Cr | 1.73% |
| Dr. Lal PathLabs Ltd | Equity | ₹65.08 Cr | 1.72% |
| Dr Reddy's Laboratories Ltd | Equity | ₹65.01 Cr | 1.72% |
| India (Republic of) | Bond - Short-term Government Bills | ₹48.21 Cr | 1.28% |
| Ajanta Pharma Ltd | Equity | ₹47.23 Cr | 1.25% |
| UTI Asset Management Co Ltd | Equity | ₹44.13 Cr | 1.17% |
| ITC Ltd | Equity | ₹43.76 Cr | 1.16% |
| Aptus Value Housing Finance India Ltd | Equity | ₹43.04 Cr | 1.14% |
| Future on State Bank of India | Equity - Future | ₹-36.91 Cr | 0.98% |
| State Bank of India | Equity | ₹36.61 Cr | 0.97% |
| Net Receivables / (Payables) | Cash | ₹35.15 Cr | 0.93% |
| Icici Bank Limited November 2025 Future | Equity - Future | ₹-28.92 Cr | 0.76% |
| Future on Kotak Mahindra Bank Ltd | Equity - Future | ₹-28.7 Cr | 0.76% |
| Trent Ltd | Equity | ₹28.12 Cr | 0.74% |
| Future on Jio Financial Services Ltd | Equity - Future | ₹-27.75 Cr | 0.73% |
| Jio Financial Services Ltd | Equity | ₹27.54 Cr | 0.73% |
| Asian Paints Ltd | Equity | ₹26.79 Cr | 0.71% |
| Sun Pharmaceuticals Industries Ltd | Equity | ₹26.71 Cr | 0.71% |
| Future on Axis Bank Ltd | Equity - Future | ₹-25.69 Cr | 0.68% |
| Trent Limited November 2025 Future | Equity - Future | ₹-25.54 Cr | 0.68% |
| Axis Bank Ltd | Equity | ₹25.5 Cr | 0.67% |
| 8.33% Govt Stock 2026 | Bond - Gov't/Treasury | ₹25.44 Cr | 0.67% |
| HCL Technologies Ltd | Equity | ₹25.36 Cr | 0.67% |
| 7.27% Govt Stock 2026 | Bond - Gov't/Treasury | ₹25.17 Cr | 0.67% |
| 5.15% Govt Stock 2025 | Bond - Gov't/Treasury | ₹25 Cr | 0.66% |
| 05.41 GA Sdl 2025 | Bond - Gov't/Treasury | ₹24.99 Cr | 0.66% |
| Treasury Bills | Bond - Gov't/Treasury | ₹24.75 Cr | 0.65% |
| Oil & Natural Gas Corp Ltd | Equity | ₹24.29 Cr | 0.64% |
| Tata Consultancy Services Ltd | Equity | ₹24.12 Cr | 0.64% |
| Crompton Greaves Consumer Electricals Ltd | Equity | ₹23.55 Cr | 0.62% |
| Power Grid Corp Of India Ltd | Equity | ₹23.43 Cr | 0.62% |
| Infosys Ltd | Equity | ₹23.42 Cr | 0.62% |
| Tata Technologies Ltd | Equity | ₹23.42 Cr | 0.62% |
| Bajaj Auto Ltd | Equity | ₹23.34 Cr | 0.62% |
| Kajaria Ceramics Ltd | Equity | ₹23.32 Cr | 0.62% |
| Cipla Ltd | Equity | ₹23.04 Cr | 0.61% |
| Bayer CropScience Ltd | Equity | ₹22.68 Cr | 0.60% |
| Dabur India Ltd | Equity | ₹22.61 Cr | 0.60% |
| Berger Paints India Ltd | Equity | ₹22.33 Cr | 0.59% |
| Future on Aditya Birla Capital Ltd | Equity - Future | ₹-22.05 Cr | 0.58% |
| Castrol India Ltd | Equity | ₹22.05 Cr | 0.58% |
| Aditya Birla Capital Ltd | Equity | ₹21.91 Cr | 0.58% |
| Gujarat State Petronet Ltd | Equity | ₹21.83 Cr | 0.58% |
| Tata Elxsi Ltd | Equity | ₹21.23 Cr | 0.56% |
| L&T Technology Services Ltd | Equity | ₹21.16 Cr | 0.56% |
| Procter & Gamble Hygiene and Health Care Ltd | Equity | ₹20.44 Cr | 0.54% |
| Gillette India Ltd | Equity | ₹18.86 Cr | 0.50% |
| Future on DLF Ltd | Equity - Future | ₹-17.97 Cr | 0.48% |
| Future on Mahindra & Mahindra Ltd | Equity - Future | ₹-17.91 Cr | 0.47% |
| DLF Ltd | Equity | ₹17.84 Cr | 0.47% |
| Mahindra & Mahindra Ltd | Equity | ₹17.78 Cr | 0.47% |
| Future on Bharti Airtel Ltd | Equity - Future | ₹-17.62 Cr | 0.47% |
| Bharti Airtel Ltd | Equity | ₹17.47 Cr | 0.46% |
| CRISIL Ltd | Equity | ₹16.27 Cr | 0.43% |
| Future on Bank of Baroda | Equity - Future | ₹-15.22 Cr | 0.40% |
| Bank of Baroda | Equity | ₹15.15 Cr | 0.40% |
| 364 DTB 01012026 | Bond - Gov't/Treasury | ₹14.87 Cr | 0.39% |
| Itc Limited December 2025 Future | Equity - Future | ₹-14.71 Cr | 0.39% |
| Future on Larsen & Toubro Ltd | Equity - Future | ₹-12.85 Cr | 0.34% |
| Larsen & Toubro Ltd | Equity | ₹12.77 Cr | 0.34% |
| Future on Canara Bank | Equity - Future | ₹-11.99 Cr | 0.32% |
| Canara Bank | Equity | ₹11.93 Cr | 0.32% |
| Future on Adani Enterprises Ltd | Equity - Future | ₹-11.29 Cr | 0.30% |
| Adani Enterprises Ltd | Equity | ₹11.24 Cr | 0.30% |
| Abbott India Ltd | Equity | ₹11.01 Cr | 0.29% |
| Titan Company Limited November 2025 Future | Equity - Future | ₹-10.42 Cr | 0.28% |
| Titan Co Ltd | Equity | ₹10.36 Cr | 0.27% |
| Future on Tata Power Co Ltd | Equity - Future | ₹-9.78 Cr | 0.26% |
| Tata Power Co Ltd | Equity | ₹9.75 Cr | 0.26% |
| Future on Ambuja Cements Ltd | Equity - Future | ₹-9.62 Cr | 0.25% |
| Ambuja Cements Ltd | Equity | ₹9.56 Cr | 0.25% |
| Icici Bank Limited December 2025 Future | Equity - Future | ₹-7.35 Cr | 0.19% |
| Eternal Limited November 2025 Future | Equity - Future | ₹-7.29 Cr | 0.19% |
| Eternal Ltd | Equity | ₹7.24 Cr | 0.19% |
| Future on Solar Industries India Ltd | Equity - Future | ₹-6.61 Cr | 0.17% |
| Future on Hindustan Unilever Ltd | Equity - Future | ₹-6.57 Cr | 0.17% |
| Solar Industries India Ltd | Equity | ₹6.56 Cr | 0.17% |
| Future on Bandhan Bank Ltd | Equity - Future | ₹-6.16 Cr | 0.16% |
| Bandhan Bank Ltd | Equity | ₹6.14 Cr | 0.16% |
| Future on SBI Life Insurance Co Ltd | Equity - Future | ₹-5.51 Cr | 0.15% |
| SBI Life Insurance Co Ltd | Equity | ₹5.5 Cr | 0.15% |
| Itc Limited November 2025 Future | Equity - Future | ₹-5.41 Cr | 0.14% |
| Future on Yes Bank Ltd | Equity - Future | ₹-5.19 Cr | 0.14% |
| Yes Bank Ltd | Equity | ₹5.16 Cr | 0.14% |
| Future on One97 Communications Ltd | Equity - Future | ₹-4.93 Cr | 0.13% |
| One97 Communications Ltd | Equity | ₹4.91 Cr | 0.13% |
| Future on Bajaj Finserv Ltd | Equity - Future | ₹-4.83 Cr | 0.13% |
| Bajaj Finserv Ltd | Equity | ₹4.8 Cr | 0.13% |
| 08.15 MH Sdl 2025 | Bond - Gov't/Treasury | ₹4.32 Cr | 0.11% |
| Future on Tata Steel Ltd | Equity - Future | ₹-4.15 Cr | 0.11% |
| Tata Steel Ltd | Equity | ₹4.12 Cr | 0.11% |
| Future on Petronet LNG Ltd | Equity - Future | ₹-3.67 Cr | 0.10% |
| Petronet LNG Ltd | Equity | ₹3.65 Cr | 0.10% |
| SKF India (Industrial) Ltd | Equity | ₹3.31 Cr | 0.09% |
| Indus Towers Limited November 2025 Future | Equity - Future | ₹-3.05 Cr | 0.08% |
| Future on Godrej Properties Ltd | Equity - Future | ₹-3.04 Cr | 0.08% |
| Indus Towers Ltd Ordinary Shares | Equity | ₹3.03 Cr | 0.08% |
| Godrej Properties Ltd | Equity | ₹3.02 Cr | 0.08% |
| Future on Punjab National Bank | Equity - Future | ₹-2.96 Cr | 0.08% |
| Punjab National Bank | Equity | ₹2.95 Cr | 0.08% |
| Hdfc Bank Limited December 2025 Future | Equity - Future | ₹-2.75 Cr | 0.07% |
| Trent Limited December 2025 Future | Equity - Future | ₹-2.7 Cr | 0.07% |
| SKF India Ltd | Equity | ₹2.61 Cr | 0.07% |
| Future on Samvardhana Motherson International Ltd | Equity - Future | ₹-2.61 Cr | 0.07% |
| Samvardhana Motherson International Ltd | Equity | ₹2.59 Cr | 0.07% |
| Future on Sun Pharmaceuticals Industries Ltd | Equity - Future | ₹-2.56 Cr | 0.07% |
| Future on Asian Paints Ltd | Equity - Future | ₹-2.46 Cr | 0.07% |
| Future on Varun Beverages Ltd | Equity - Future | ₹-2.39 Cr | 0.06% |
| Varun Beverages Ltd | Equity | ₹2.36 Cr | 0.06% |
| Future on Adani Ports & Special Economic Zone Ltd | Equity - Future | ₹-1.87 Cr | 0.05% |
| Adani Ports & Special Economic Zone Ltd | Equity | ₹1.86 Cr | 0.05% |
| Future on Hindustan Aeronautics Ltd Ordinary Shares | Equity - Future | ₹-1.55 Cr | 0.04% |
| Hindustan Aeronautics Ltd Ordinary Shares | Equity | ₹1.54 Cr | 0.04% |
| Future on Crompton Greaves Consumer Electricals Ltd | Equity - Future | ₹-1.44 Cr | 0.04% |
| 08.31 PN Sdl 2026 | Bond - Gov't/Treasury | ₹1.01 Cr | 0.03% |
| Future on GAIL (India) Ltd | Equity - Future | ₹-0.92 Cr | 0.02% |
| GAIL (India) Ltd | Equity | ₹0.92 Cr | 0.02% |
| Future on Exide Industries Ltd | Equity - Future | ₹-0.83 Cr | 0.02% |
| Exide Industries Ltd | Equity | ₹0.82 Cr | 0.02% |
| Future on United Spirits Ltd | Equity - Future | ₹-0.75 Cr | 0.02% |
| United Spirits Ltd | Equity | ₹0.74 Cr | 0.02% |
| Future on GMR Airports Ltd | Equity - Future | ₹-0.72 Cr | 0.02% |
| GMR Airports Ltd | Equity | ₹0.72 Cr | 0.02% |
| Future on Bharat Heavy Electricals Ltd | Equity - Future | ₹-0.63 Cr | 0.02% |
| Bharat Heavy Electricals Ltd | Equity | ₹0.63 Cr | 0.02% |
| The Indian Hotels Company Limited November 2025 Future | Equity - Future | ₹-0.45 Cr | 0.01% |
| Indian Hotels Co Ltd | Equity | ₹0.45 Cr | 0.01% |
| Future on HFCL Ltd | Equity - Future | ₹-0.43 Cr | 0.01% |
| HFCL Ltd | Equity | ₹0.43 Cr | 0.01% |
| Future on JSW Energy Ltd | Equity - Future | ₹-0.42 Cr | 0.01% |
| JSW Energy Ltd | Equity | ₹0.42 Cr | 0.01% |
| Future on Bharat Electronics Ltd | Equity - Future | ₹-0.37 Cr | 0.01% |
| Bharat Electronics Ltd | Equity | ₹0.36 Cr | 0.01% |
| Future on Laurus Labs Ltd | Equity - Future | ₹-0.33 Cr | 0.01% |
| Laurus Labs Ltd | Equity | ₹0.32 Cr | 0.01% |
| Future on Mphasis Ltd | Equity - Future | ₹-0.31 Cr | 0.01% |
| Cipla Limited November 2025 Future | Equity - Future | ₹-0.28 Cr | 0.01% |
| Future on UltraTech Cement Ltd | Equity - Future | ₹-0.24 Cr | 0.01% |
| UltraTech Cement Ltd | Equity | ₹0.24 Cr | 0.01% |
| Future on Nestle India Ltd | Equity - Future | ₹-0.19 Cr | 0.01% |
| Future on Adani Energy Solutions Ltd | Equity - Future | ₹-0.13 Cr | 0.00% |
| Adani Energy Solutions Ltd | Equity | ₹0.13 Cr | 0.00% |
| Future on The Federal Bank Ltd | Equity - Future | ₹-0.12 Cr | 0.00% |
| The Federal Bank Ltd | Equity | ₹0.12 Cr | 0.00% |
| Future on HDFC Life Insurance Co Ltd | Equity - Future | ₹-0.08 Cr | 0.00% |
| HDFC Life Insurance Co Ltd | Equity | ₹0.08 Cr | 0.00% |
| Future on Adani Green Energy Ltd | Equity - Future | ₹-0.07 Cr | 0.00% |
| Adani Green Energy Ltd | Equity | ₹0.07 Cr | 0.00% |
| Abb India Limited November 2025 Future | Equity - Future | ₹-0.07 Cr | 0.00% |
| ABB India Ltd | Equity | ₹0.07 Cr | 0.00% |
| Future on Tata Consumer Products Ltd | Equity - Future | ₹-0.06 Cr | 0.00% |
| Tata Consumer Products Ltd | Equity | ₹0.06 Cr | 0.00% |
Allocation By Market Cap (Equity)
Large Cap Stocks
36.10%
Mid Cap Stocks
23.29%
Small Cap Stocks
11.86%
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹1,066.41 Cr | 28.20% |
| Consumer Cyclical | ₹561.35 Cr | 14.85% |
| Consumer Defensive | ₹481.33 Cr | 12.73% |
| Energy | ₹406.45 Cr | 10.75% |
| Technology | ₹345.68 Cr | 9.14% |
| Healthcare | ₹238.41 Cr | 6.31% |
| Basic Materials | ₹157.67 Cr | 4.17% |
| Industrials | ₹115.52 Cr | 3.06% |
| Utilities | ₹56.54 Cr | 1.50% |
| Real Estate | ₹20.86 Cr | 0.55% |
| Communication Services | ₹20.5 Cr | 0.54% |
Risk & Performance Ratios
Standard Deviation
This fund
8.41%
Cat. avg.
7.71%
Lower the better
Sharpe Ratio
This fund
0.56
Cat. avg.
0.77
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
1.29
Higher the better
Fund Managers
VS
Viral Shah
Since October 2022
DP
Dhaval Patel
Since March 2023
Additional Scheme Detailsas of 31st October 2025
ISIN INF0J8L01024 | Expense Ratio 1.89% | Exit Load 1.00% | Fund Size ₹3,781 Cr | Age 4 years | Lumpsum Minimum ₹500 | Fund Status Open Ended Investment Company | Benchmark NIFTY 50 Arbitrage TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
Dividend Taxation:
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Dynamic Asset Allocation Funds
About the AMC
NJ Mutual Fund
Total AUM
₹7,096 Cr
Address
Unit No. 101A, 1st Floor, Mumbai, 400051
Other Funds by NJ Mutual Fund
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y |
|---|---|---|---|---|
| NJ Flexi Cap Fund Direct Growth Very High Risk | 0.5% | 1.0% | ₹2438.74 Cr | -4.8% |
| NJ Overnight Fund Direct Growth Low Risk | 0.1% | 0.0% | ₹297.95 Cr | 5.9% |
| NJ Arbitrage Fund Direct Growth Low Risk | 0.3% | 0.0% | ₹261.98 Cr | 6.2% |
| NJ Balanced Advantage Fund Direct Growth Very High Risk | 0.6% | 1.0% | ₹3781.06 Cr | 0.8% |
| NJ ELSS Tax Saver Scheme Direct Growth Very High Risk | 0.6% | 0.0% | ₹306.88 Cr | -2.6% |
Related Articles
Still got questions?
We're here to help.
What is the current NAV of NJ Balanced Advantage Fund Regular Growth?
The NAV of NJ Balanced Advantage Fund Regular Growth, as of 10-Nov-2025, is ₹13.56.
What are the returns of NJ Balanced Advantage Fund Regular Growth?
The fund has generated -0.44% over the last 1 year and 11.13% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
What is the portfolio composition of NJ Balanced Advantage Fund Regular Growth?
The fund's allocation of assets is distributed as 66.10% in equities, 2.61% in bonds, and 31.29% in cash and cash equivalents.
Who manages the NJ Balanced Advantage Fund Regular Growth?
The fund managers responsible for NJ Balanced Advantage Fund Regular Growth are:-
- Viral Shah
- Dhaval Patel
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Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
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Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Pvt. Ltd. is a Portfolio Manager with SEBI Registration no. INP000007377, a member of BSE with SEBI Stock Broker Registration no. INZ000303136, and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
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