HDFC Balanced Advantage Fund Direct Growth

HDFC Balanced Advantage Fund is a hybrid mutual fund that has delivered a return of 20.76% annualised return over the past three years (As of 28.07.2025). Anyone looking to invest in this scheme can start with a minimum contribution of ₹100 a month. 

However, before investing, you should consider several factors such as features, expense ratio and exit load, to make a well-informed financial decision. For a comprehensive overview of the fund objectives, continue reading. 

Past Performance of HDFC Balanced Advantage Fund Direct Growth 

For a detailed analysis of the trailing returns generated by the HDFC Balanced Advantage Fund Direct Growth, please refer to the table below:

If you look at the HDFC Balanced Advantage Fund returns over recent years, you will notice its impressive risk-adjusted performance. Furthermore, the fund has consistently received top rankings among its peers for the past 3 and 5 years. Therefore, if you are comfortable with taking on some risk, this could be a viable option for building wealth.

Key Features of HDFC Balanced Advantage Fund Direct Growth 

The HDFC Balanced Advantage Fund aims to generate long-term income through a well-balanced portfolio comprising both equity and debt instruments. Its key highlights are:

• The fund size of this scheme is ₹1,02,789.77 (As on 28.01.2025). 
• For the Direct Plan, the current Net Asset Value (NAV) is ₹45.576. 
• Since its launch, the fund has produced trailing returns of 15.85%. 
• Over the past five years, the HDFC Balanced Advantage Fund has delivered absolute returns of 200.29%, compared to its benchmark, the SBI Balanced Advantage Direct-G, which returned 59.24%. 
• Both for one-time investors as well as for SIP investors, the minimum investment amount in the HDFC Balanced Advantage Fund Regular Growth is ₹100. 

Calculation of Returns From HDFC Balanced Advantage Fund Direct Growth 

For a clear understanding of the HDFC Balanced Advantage Fund returns, let us pick a scenario. Suppose you had invested ₹5,00,000 lump sum 5 years ago in this fund and experienced an average annual return of 24.58%. In this case, your maturity amount would have been: 

• Year 1: ₹5,00,000 × 1.2458 = ₹6,22,900
• Year 2: ₹6,22,900 × 1.2458 = ₹7,75,633
• Year 3: ₹7,75,633 × 1.2458 = ₹9,66,166
• Year 4: ₹9,66,166 × 1.2458 = ₹12,04,480
• Year 5: ₹12,04,480 × 1.2458 = ₹15,03,191

This is how you would have made a profit of ₹10,03,191 in 5 years. 

Expense Ratio, Exit Load and Taxation

As of July 28, 2025, the HDFC Balanced Advantage Fund expense ratio is 0.75% for the Direct plan. Besides this, a 1% exit load is applicable for redemptions within 1 year, for units exceeding 15% of the investment.

In addition, if you withdraw your fund investments in less than a year, your profit will be taxed at 20%. Otherwise, if the overall profit from mutual funds exceeds ₹1.25 lakhs annually, an LTCG tax will be applicable at the rate of 12.5% per annum. 

HDFC Balanced Advantage Fund Direct Growth - Scheme Allocations 

As far as market capitalisation allocations are concerned, approximately 66.68% of this fund’s investments are distributed in equities. Otherwise, around 27.3% of the scheme is distributed in debt instruments. You can consider investments in the HDFC Balanced Advantage Fund to be highly risky.

Potential Risk of Investing in HDFC Balanced Advantage Fund Direct Growth 

The beta ratio of the HDFC Balanced Advantage Fund is 0.99, which is higher than the category average. This indicates a relatively high volatility risk of the fund’s portfolio compared to the broader market. Hence, this fund might be an investment for you if you are willing to invest in very high-risk instruments.

Investing in a mutual fund online is very straightforward. For example, you can begin contributing to the HDFC Balanced Advantage Fund by selecting a reputable brokerage platform. However, to hedge your investments, you should also consider including fixed-income assets such as fixed deposits and bonds.

If you seek competitive and steady returns, you can book a fixed deposit through Stable Money. This could prove to be a masterstroke for your various short and medium-term goals. The digital FDs are a safe investment option, offering assured returns of 8.40% per annum.