Balanced Funds
Balanced funds offer a well-rounded investment portfolio by combining stocks, bonds, and other assets to provide investors with a moderate level of risk and potential for long-term growth, making them an ideal choice for those seeking a balanced and diversified investment strategy.
Know more about Balanced Funds
Balanced
16% - 18%
Aggressive
23% - 25%
Arbitrage
4% - 5%
Multi Asset
21% - 23%
Conservative
11% - 13%
Equity Savings
13% - 15%
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AUM
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1Y return
Exp. Ratio
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1Y return
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Tata Balanced Advantage Fund Direct Growth▲ 12.26%AUM ₹6705 Cr •
Expense 0.28%
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Kotak Balanced Advantage Fund Direct Growth▲ 11.98%AUM ₹14422 Cr •
Expense 0.48%
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ICICI Prudential Balanced Advantage Fund Direct Plan Growth▲ 11.06%AUM ₹45584 Cr •
Expense 0.95%
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DSP Dynamic Asset Allocation Fund Direct Growth▲ 10.05%AUM ₹3568 Cr •
Expense 0.7%
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Nippon India Balanced Advantage Fund Direct Growth Plan▲ 11.38%AUM ₹6712 Cr •
Expense 0.55%
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Aditya Birla Sun Life Balanced Advantage Fund Direct Plan Growth Option▲ 12.17%AUM ₹6357 Cr •
Expense 0.44%
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Edelweiss Balanced Advantage Fund Direct Plan Growth▲ 11.71%AUM ₹8907 Cr •
Expense 0.51%
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Bandhan Balanced Advantage Direct Growth▲ 11.38%AUM ₹2505 Cr •
Expense 0.58%
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Axis Balanced Advantage Fund Direct Growth▲ 11.05%AUM ₹2029 Cr •
Expense 0.7%
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HDFC Balanced Advantage Fund Direct Plan Growth Option▲ 19.1%AUM ₹54413 Cr •
Expense 0.86%
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Insights on Balanced Funds
Performance vs. Equity Savings and Aggressive Allocation Funds
- In the last 1 year, balanced funds have outperformed equity savings funds by 2.50% and underperformed aggressive allocation funds by 1.00%
- In the last 3 years, balanced funds have outperformed equity savings funds by 2.40% and underperformed aggressive allocation funds by 6.20%
- In the last 5 years, balanced funds have outperformed equity savings funds by 1.20% and underperformed aggressive allocation funds by 1.90%
Top Balanced Funds by Net Inflow
- HDFC Balanced Advantage Fund Direct Plan Growth Option has seen net inflow of ₹4703.7 Cr in the last 6 months in the balanced funds category
- ICICI Prudential Balanced Advantage Fund Direct Plan Growth has seen net inflow of ₹1582.2 Cr in the last 6 months in the balanced funds category
- Tata Balanced Advantage Fund Direct Growth has seen net inflow of ₹636.0 Cr in the last 6 months in the balanced funds category
Bottom Balanced Funds by Net Outflow
- SBI Balanced Advantage Fund Direct Growth has seen net outflow of ₹1924.7 Cr in the last 6 months in the balanced funds category
- DSP Dynamic Asset Allocation Fund Direct Growth has seen net outflow of ₹865.4 Cr in the last 6 months in the balanced funds category
- NJ Balanced Advantage Fund Direct Growth has seen net outflow of ₹663.2 Cr in the last 6 months in the balanced funds category
Top Holdings of Balanced Funds
- Reliance Industries Ltd is held by 27 out of 28 mutual funds in the balanced funds category, with a total investment value of ₹7527.31Cr
- HDFC Bank Ltd is held by 27 out of 28 mutual funds in the balanced funds category, with a total investment value of ₹8586.50Cr
- ICICI Bank Ltd is held by 27 out of 28 mutual funds in the balanced funds category, with a total investment value of ₹9553.69Cr
Top New Holdings Added by Balanced Funds
Holdings | # of Funds | Total Investment Value |
|---|---|---|
 7.26% Govt Stock 2032 (Bond - Govt/Treasury) | 7 out of 28 balanced funds | ₹888.20Cr |
7.26% Govt Stock 2033 (Bond - Govt/Treasury) | 6 out of 28 balanced funds | ₹1909.78Cr |
 Cipla Ltd | 5 out of 28 balanced funds | - |
- In the last 6 months, 7.26% Govt Stock 2032 (Bond - Govt/Treasury) has been added by 7 out of 28 mutual funds in the balanced funds category, with a total investment value of ₹888.20Cr
- In the last 6 months, 7.26% Govt Stock 2033 (Bond - Govt/Treasury) has been added by 6 out of 28 mutual funds in the balanced funds category, with a total investment value of ₹1909.78Cr
- In the last 6 months, Cipla Ltd has been added by 5 out of 28 mutual funds in the balanced funds category
Top Holdings where Balanced Funds increased investment
- In the last 6 Months, Reliance Industries Ltd stock has been added by 21 out of 28 mutual funds in the balanced funds category, with a total investment value of ₹141.52Cr
- In the last 6 Months, Hindustan Unilever Ltd stock has been added by 18 out of 28 mutual funds in the balanced funds category, with a total investment value of ₹254.76Cr
- In the last 6 Months, HDFC Bank Ltd stock has been added by 16 out of 28 mutual funds in the balanced funds category, with a total investment value of ₹472.86Cr
What are Best Balanced Funds?
If you plan to invest in the market’s potential and minimise your investment risk, then Top Balanced Funds are the best option for you. Most of the Best Balanced Funds India invest 50 - 70% in equity instruments and the rest in Debt instruments. If the equity portion is more than 65%, then the fund is called Equity Oriented Balanced Mutual Fund, and if the equity allocation is below 65%, then it is termed as Debt oriented Balanced Mutual Fund.
Advantages of Investing in Best Balanced Mutual Funds
Diversification Benefit
When you invest in Best Balanced Mutual Fund, you get the taste of both Debt and Equity instruments. Diversification makes a portfolio stable, and it helps an investor attain the desired capital appreciation with limited risk.
Stable Returns
Debt Mutual funds are safe as the return generated is more stable than equity. However, the returns are not as high as Equity Mutual Funds. So Best Balanced Funds can help you enjoy the best of both with more returns than Debt Mutual Funds and less risk than equity Mutual Funds.
Rebalancing of funds
There are times when equity markets are overvalued in comparison to the debt markets and vice versa. In such situations, the fund manager has the liberty to move across the two major asset classes (equity and debt) and balance the fund's performance against market fluctuations.
Things to be considered before investing
Investment Cost
This includes expense ratio and exit load. Investment companies charge a fee called expense ratio which includes management fees (fees of fund manager) and operational costs. The lower the expense ratio and exit load, the higher the profit. The average expense ratio for a balanced fund is around 0.5 to 1%.
Risk levels
The riskiness of Best Balanced Funds depends on equity exposure. So if you want a less risky investment, choose a top Balanced Mutual Fund that is more towards debt. First, understand your risk-taking capability and then choose the best balanced mutual fund as per the risk level.
Financial Goals
Balanced funds are best suited for those individuals who want equity exposure along with debt as they are not ready to take the high risk involved in equity investments. These funds are ideal for wealth creation to achieve long-term financial goals.
Past Performance
Before shortlisting a fund, do your research well. Select those funds which have been consistent in their performance over a significant period of time. Make a list of top 10 Balanced mutual funds, compare and analyse to find the most suitable large cap fund to match your criteria.
How to start investing online in best-balanced funds?
STEP 2
Create your profile
STEP 3
Select any best balanced fund from our catalogue
STEP 4
Choose between Starting a SIP or One time lumpsum
STEP 5
Complete the payment process
Taxability of Best Balanced Mutual Fund
Equity-oriented Balanced funds have a larger portion of their assets (at least 65%) invested in equity and qualify for the same tax treatment as equity funds. This means any capital gains are taxed at the rate of 15% if held for less than 1 year at the STCG tax rate. Investments held for more than 1 year, qualify for a LTCG tax rate of 10%, with tax exemption on gains up to Rs 1 lakh.
Debt-oriented balanced funds are treated like debt mutual funds for taxation purposes. Investments less than 3 years are considered short-term and taxed at the slab rate. But if the holding period exceeds three years, the gains are considered as long term and are taxed at 20% after indexation benefit.
Outlook
Top Balanced Mutual Funds invests both in Equity Instruments and Debt Instruments. The debt instruments add stability to the fund as the return from the debt instrument is fixed and stable. While on the other hand, the equity instruments help the fund enjoy capital appreciation in the long run.
Most Popular Comparisons
- Compare
- HDFC Balanced Advantage Fund Direct Plan Growth OptionVs
- ICICI Prudential Balanced Advantage Fund Direct Plan Growth
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- Kotak Balanced Advantage Fund Direct GrowthVs
- Edelweiss Balanced Advantage Fund Direct Plan Growth
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- Nippon India Balanced Advantage Fund Direct Growth PlanVs
- Tata Balanced Advantage Fund Direct Growth
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- Aditya Birla Sun Life Balanced Advantage Fund Direct Plan Growth OptionVs
- DSP Dynamic Asset Allocation Fund Direct Growth
Frequently Asked Questions
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