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NJ Balanced Advantage Fund Direct Growth
HybridDynamic Asset AllocationVery High Risk
Direct
NAV (12-Dec-25)
₹14.420.35%1D
Returns (Since Inception)
9.29%
Rated ★4.3+ on 
Fund Overview
Fund Size
₹3,755 Cr
Expense Ratio
0.58%
ISIN
INF0J8L01040
Minimum SIP
₹500
Exit Load
1.00%
Inception Date
29 Oct 2021
About this fund
NJ Balanced Advantage Fund Direct Growth is a Dynamic Asset Allocation mutual fund schemes offered by NJ Mutual Fund. This fund has been in existence for 4 years, 1 months and 16 days, having been launched on 29-Oct-21.
As of 12-Dec-25, it has a Net Asset Value (NAV) of ₹14.42, Assets Under Management (AUM) of 3755.48 Crores, and an expense ratio of 0.58%.
As of 12-Dec-25, it has a Net Asset Value (NAV) of ₹14.42, Assets Under Management (AUM) of 3755.48 Crores, and an expense ratio of 0.58%.
- NJ Balanced Advantage Fund Direct Growth has given a CAGR return of 9.29% since inception.
- The fund's asset allocation comprises around 65.78% in equities, 2.25% in debts, and 31.97% in cash & cash equivalents.
- You can start investing in NJ Balanced Advantage Fund Direct 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
+1.48%
+3.67% (Cat Avg.)
3 Years
+12.05%
+12.18% (Cat Avg.)
Since Inception
+9.29%
— (Cat Avg.)
Portfolio Summaryas of 30th November 2025
| Equity | ₹2,470.38 Cr | 65.78% |
| Debt | ₹84.46 Cr | 2.25% |
| Others | ₹1,200.64 Cr | 31.97% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Cash Offset For Derivatives | Cash - General Offset | ₹1,040.56 Cr | 27.71% |
| Future on Reliance Industries Ltd | Equity - Future | ₹-350.39 Cr | 9.33% |
| Reliance Industries Ltd | Equity | ₹348.38 Cr | 9.28% |
| Bajaj Finance Ltd | Equity | ₹194.74 Cr | 5.19% |
| HDFC Bank Ltd | Equity | ₹171.06 Cr | 4.55% |
| Eicher Motors Ltd | Equity | ₹123.2 Cr | 3.28% |
| Bosch Ltd | Equity | ₹115.32 Cr | 3.07% |
| Marico Ltd | Equity | ₹115.28 Cr | 3.07% |
| ICICI Bank Ltd | Equity | ₹112.89 Cr | 3.01% |
| Muthoot Finance Ltd | Equity | ₹111.83 Cr | 2.98% |
| Britannia Industries Ltd | Equity | ₹109.38 Cr | 2.91% |
| Future on Bajaj Finance Ltd | Equity - Future | ₹-99.87 Cr | 2.66% |
| Hdfc Bank Limited December 2025 Future | Equity - Future | ₹-93.65 Cr | 2.49% |
| Clearing Corporation Of India Ltd | Cash - Repurchase Agreement | ₹91.6 Cr | 2.44% |
| HDFC Asset Management Co Ltd | Equity | ₹88.79 Cr | 2.36% |
| Future on BANK Index | Equity Index - Future | ₹-77.44 Cr | 2.06% |
| Kotak Mahindra Bank Ltd | Equity | ₹76.4 Cr | 2.03% |
| SBI Cards and Payment Services Ltd Ordinary Shares | Equity | ₹73.8 Cr | 1.97% |
| Hero MotoCorp Ltd | Equity | ₹73.78 Cr | 1.96% |
| Great Eastern Shipping Co Ltd | Equity | ₹72.11 Cr | 1.92% |
| Nestle India Ltd | Equity | ₹71.75 Cr | 1.91% |
| Tech Mahindra Ltd | Equity | ₹70.85 Cr | 1.89% |
| Mphasis Ltd | Equity | ₹68.35 Cr | 1.82% |
| Wipro Ltd | Equity | ₹68.16 Cr | 1.82% |
| Dr Reddy's Laboratories Ltd | Equity | ₹67.26 Cr | 1.79% |
| Pidilite Industries Ltd | Equity | ₹65.47 Cr | 1.74% |
| Hindustan Unilever Ltd | Equity | ₹64.13 Cr | 1.71% |
| Dr. Lal PathLabs Ltd | Equity | ₹63.35 Cr | 1.69% |
| Endurance Technologies Ltd | Equity | ₹62.96 Cr | 1.68% |
| Page Industries Ltd | Equity | ₹61.59 Cr | 1.64% |
| Ajanta Pharma Ltd | Equity | ₹48.72 Cr | 1.30% |
| ITC Ltd | Equity | ₹47.8 Cr | 1.27% |
| Future on Vodafone Idea Ltd | Equity - Future | ₹-47.72 Cr | 1.27% |
| Vodafone Idea Ltd | Equity | ₹47.06 Cr | 1.25% |
| State Bank of India | Equity | ₹41.26 Cr | 1.10% |
| UTI Asset Management Co Ltd | Equity | ₹40.06 Cr | 1.07% |
| State Bank of India Future Dec 25 | Equity - Future | ₹-38.49 Cr | 1.03% |
| Aptus Value Housing Finance India Ltd | Equity | ₹37.43 Cr | 1.00% |
| Icici Bank Limited December 2025 Future | Equity - Future | ₹-37.31 Cr | 0.99% |
| India (Republic of) | Bond - Short-term Government Bills | ₹33.91 Cr | 0.90% |
| Future on Jio Financial Services Ltd | Equity - Future | ₹-29.64 Cr | 0.79% |
| Jio Financial Services Ltd | Equity | ₹29.43 Cr | 0.78% |
| Axis Bank Ltd | Equity | ₹29.35 Cr | 0.78% |
| Trent Ltd | Equity | ₹29.12 Cr | 0.78% |
| Sun Pharmaceuticals Industries Ltd | Equity | ₹28.51 Cr | 0.76% |
| Asian Paints Ltd | Equity | ₹27.42 Cr | 0.73% |
| HCL Technologies Ltd | Equity | ₹26.29 Cr | 0.70% |
| Trent Limited December 2025 Future | Equity - Future | ₹-25.64 Cr | 0.68% |
| 8.33% Govt Stock 2026 | Bond - Gov't/Treasury | ₹25.4 Cr | 0.68% |
| Future on ITC | Equity - Future | ₹-25.39 Cr | 0.68% |
| 7.27% Govt Stock 2026 | Bond - Gov't/Treasury | ₹25.15 Cr | 0.67% |
| Treasury Bills | Bond - Gov't/Treasury | ₹24.86 Cr | 0.66% |
| Tata Consultancy Services Ltd | Equity | ₹24.36 Cr | 0.65% |
| Future on Aditya Birla Capital Ltd | Equity - Future | ₹-24.3 Cr | 0.65% |
| Infosys Ltd | Equity | ₹24.26 Cr | 0.65% |
| Aditya Birla Capital Ltd | Equity | ₹24.2 Cr | 0.64% |
| Dabur India Ltd | Equity | ₹23.61 Cr | 0.63% |
| Bajaj Auto Ltd | Equity | ₹23.44 Cr | 0.62% |
| Berger Paints India Ltd | Equity | ₹23.26 Cr | 0.62% |
| Cipla Ltd | Equity | ₹23.12 Cr | 0.62% |
| L&T Technology Services Ltd | Equity | ₹22.81 Cr | 0.61% |
| Oil & Natural Gas Corp Ltd | Equity | ₹22.76 Cr | 0.61% |
| Tata Technologies Ltd | Equity | ₹22.74 Cr | 0.61% |
| Crompton Greaves Consumer Electricals Ltd | Equity | ₹21.77 Cr | 0.58% |
| Bayer CropScience Ltd | Equity | ₹21.63 Cr | 0.58% |
| Power Grid Corp Of India Ltd | Equity | ₹21.59 Cr | 0.57% |
| Castrol India Ltd | Equity | ₹21.59 Cr | 0.57% |
| Kajaria Ceramics Ltd | Equity | ₹20.51 Cr | 0.55% |
| Gujarat State Petronet Ltd | Equity | ₹20.26 Cr | 0.54% |
| Net Receivables / (Payables) | Cash | ₹20.25 Cr | 0.54% |
| Tata Elxsi Ltd | Equity | ₹20.08 Cr | 0.53% |
| Future on Mahindra & Mahindra Ltd | Equity - Future | ₹-19.83 Cr | 0.53% |
| Mahindra & Mahindra Ltd | Equity | ₹19.69 Cr | 0.52% |
| Procter & Gamble Hygiene and Health Care Ltd | Equity | ₹19.53 Cr | 0.52% |
| Future on Bharti Airtel Ltd | Equity - Future | ₹-19.5 Cr | 0.52% |
| Bharti Airtel Ltd | Equity | ₹19.37 Cr | 0.52% |
| Future on DLF Ltd | Equity - Future | ₹-19.08 Cr | 0.51% |
| DLF Ltd | Equity | ₹18.92 Cr | 0.50% |
| Future on Bank of Baroda | Equity - Future | ₹-15.88 Cr | 0.42% |
| Bank of Baroda | Equity | ₹15.77 Cr | 0.42% |
| 364 DTB 01012026 | Bond - Gov't/Treasury | ₹14.93 Cr | 0.40% |
| CRISIL Ltd | Equity | ₹14.6 Cr | 0.39% |
| Future on Larsen & Toubro Ltd | Equity - Future | ₹-14.2 Cr | 0.38% |
| Larsen & Toubro Ltd | Equity | ₹14.1 Cr | 0.38% |
| Abbott India Ltd | Equity | ₹11.25 Cr | 0.30% |
| Titan Company Limited December 2025 Future | Equity - Future | ₹-10.87 Cr | 0.29% |
| Eternal Ltd | Equity | ₹10.84 Cr | 0.29% |
| Titan Co Ltd | Equity | ₹10.8 Cr | 0.29% |
| Future on Adani Enterprises Ltd | Equity - Future | ₹-10.69 Cr | 0.28% |
| Adani Enterprises Ltd | Equity | ₹10.64 Cr | 0.28% |
| Future on Ambuja Cements Ltd | Equity - Future | ₹-9.69 Cr | 0.26% |
| Ambuja Cements Ltd | Equity | ₹9.65 Cr | 0.26% |
| Bandhan Bank Ltd | Equity | ₹8.39 Cr | 0.22% |
| Eternal Limited December 2025 Future | Equity - Future | ₹-6.89 Cr | 0.18% |
| Future on Solar Industries India Ltd | Equity - Future | ₹-6.31 Cr | 0.17% |
| Solar Industries India Ltd | Equity | ₹6.27 Cr | 0.17% |
| SBI Life Future Dec 25 | Equity - Future | ₹-5.56 Cr | 0.15% |
| SBI Life Insurance Co Ltd | Equity | ₹5.53 Cr | 0.15% |
| Yes Bank Ltd | Equity | ₹5.21 Cr | 0.14% |
| Future on Bajaj Finserv Ltd | Equity - Future | ₹-4.84 Cr | 0.13% |
| Bajaj Finserv Ltd | Equity | ₹4.82 Cr | 0.13% |
| Eternal Limited January 2026 Future | Equity - Future | ₹-4.05 Cr | 0.11% |
| Future on Tata Steel Ltd | Equity - Future | ₹-3.81 Cr | 0.10% |
| Tata Steel Ltd | Equity | ₹3.79 Cr | 0.10% |
| Trent Limited January 2026 Future | Equity - Future | ₹-3.7 Cr | 0.10% |
| Future on Petronet LNG Ltd | Equity - Future | ₹-3.55 Cr | 0.09% |
| Petronet LNG Ltd | Equity | ₹3.52 Cr | 0.09% |
| Indus Towers Limited December 2025 Future | Equity - Future | ₹-3.36 Cr | 0.09% |
| Indus Towers Ltd Ordinary Shares | Equity | ₹3.34 Cr | 0.09% |
| SKF India (Industrial) Ltd | Equity | ₹3.31 Cr | 0.09% |
| Canara Bank | Equity | ₹3.27 Cr | 0.09% |
| Future on Sammaan Capital Ltd | Equity - Future | ₹-3.15 Cr | 0.08% |
| Sammaan Capital Ltd | Equity | ₹3.11 Cr | 0.08% |
| State Bank of India Future Jan 26 | Equity - Future | ₹-3.05 Cr | 0.08% |
| Punjab National Bank | Equity | ₹2.99 Cr | 0.08% |
| Future on Godrej Properties Ltd | Equity - Future | ₹-2.8 Cr | 0.07% |
| Godrej Properties Ltd | Equity | ₹2.79 Cr | 0.07% |
| Future on Sun Pharmaceuticals Industries Ltd | Equity - Future | ₹-2.77 Cr | 0.07% |
| Punjab National Bank Future Jan 26 | Equity - Future | ₹-2.52 Cr | 0.07% |
| India (Republic of) | Bond - Short-term Government Bills | ₹2.49 Cr | 0.07% |
| India (Republic of) | Bond - Short-term Government Bills | ₹2.47 Cr | 0.07% |
| 364 DTB 27022026 | Bond - Gov't/Treasury | ₹2.47 Cr | 0.07% |
| SKF India Ltd | Equity | ₹2.29 Cr | 0.06% |
| Future on Varun Beverages Ltd | Equity - Future | ₹-2.29 Cr | 0.06% |
| Varun Beverages Ltd | Equity | ₹2.28 Cr | 0.06% |
| Future on Adani Ports & Special Economic Zone Ltd | Equity - Future | ₹-1.96 Cr | 0.05% |
| Adani Ports & Special Economic Zone Ltd | Equity | ₹1.95 Cr | 0.05% |
| Future on Samvardhana Motherson International Ltd | Equity - Future | ₹-1.65 Cr | 0.04% |
| Samvardhana Motherson International Ltd | Equity | ₹1.65 Cr | 0.04% |
| Future on Crompton Greaves Consumer Electricals Ltd | Equity - Future | ₹-1.35 Cr | 0.04% |
| Future on UltraTech Cement Ltd | Equity - Future | ₹-1.06 Cr | 0.03% |
| UltraTech Cement Ltd | Equity | ₹1.04 Cr | 0.03% |
| 08.31 PN Sdl 2026 | Bond - Gov't/Treasury | ₹1 Cr | 0.03% |
| Future on GMR Airports Ltd | Equity - Future | ₹-0.84 Cr | 0.02% |
| GMR Airports Ltd | Equity | ₹0.83 Cr | 0.02% |
| Future on Exide Industries Ltd | Equity - Future | ₹-0.81 Cr | 0.02% |
| Exide Industries Ltd | Equity | ₹0.81 Cr | 0.02% |
| Future on United Spirits Ltd | Equity - Future | ₹-0.76 Cr | 0.02% |
| United Spirits Ltd | Equity | ₹0.75 Cr | 0.02% |
| Cenergy Holdings SA Future Dec 25 | Equity - Future | ₹-0.59 Cr | 0.02% |
| Punjab National Bank Future Dec 25 | Equity - Future | ₹-0.5 Cr | 0.01% |
| The Indian Hotels Company Limited December 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 | ₹-0.41 Cr | 0.01% |
| HFCL Ltd | Equity | ₹0.41 Cr | 0.01% |
| JSW Energy Ltd | Equity | ₹0.39 Cr | 0.01% |
| Future on Bharat Electronics Ltd | Equity - Future | ₹-0.35 Cr | 0.01% |
| Future on Laurus Labs Ltd | Equity - Future | ₹-0.35 Cr | 0.01% |
| Bharat Electronics Ltd | Equity | ₹0.35 Cr | 0.01% |
| Laurus Labs Ltd | Equity | ₹0.35 Cr | 0.01% |
| Future on Mphasis Ltd | Equity - Future | ₹-0.31 Cr | 0.01% |
| Cipla Limited December 2025 Future | Equity - Future | ₹-0.29 Cr | 0.01% |
| Nestle Future Dec 25 | Equity - Future | ₹-0.19 Cr | 0.01% |
| Future on Bharat Heavy Electricals Ltd | Equity - Future | ₹-0.15 Cr | 0.00% |
| Bharat Heavy Electricals Ltd | Equity | ₹0.15 Cr | 0.00% |
| Future on Inox Wind Energy Ltd Ordinary Shares | Equity - Future | ₹-0.15 Cr | 0.00% |
| Inox Wind Ltd | Equity | ₹0.14 Cr | 0.00% |
| Adani Energy Solutions Ltd | Equity | ₹0.13 Cr | 0.00% |
| Tata Consumer Future Dec 25 | Equity - Future | ₹-0.06 Cr | 0.00% |
| Tata Consumer Products Ltd | Equity | ₹0.06 Cr | 0.00% |
| Adani Green Energy Ltd | Equity | ₹0.06 Cr | 0.00% |
| Future on GAIL (India) Ltd | Equity - Future | ₹-0.06 Cr | 0.00% |
| GAIL (India) Ltd | Equity | ₹0.06 Cr | 0.00% |
Allocation By Market Cap (Equity)
Large Cap Stocks
38.42%
Mid Cap Stocks
23.97%
Small Cap Stocks
11.02%
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹1,094.93 Cr | 29.16% |
| Consumer Cyclical | ₹555.43 Cr | 14.79% |
| Consumer Defensive | ₹454.58 Cr | 12.10% |
| Energy | ₹406.89 Cr | 10.83% |
| Technology | ₹348.31 Cr | 9.27% |
| Healthcare | ₹242.56 Cr | 6.46% |
| Basic Materials | ₹158.53 Cr | 4.22% |
| Industrials | ₹115.75 Cr | 3.08% |
| Communication Services | ₹69.76 Cr | 1.86% |
| Utilities | ₹42.5 Cr | 1.13% |
| Real Estate | ₹21.72 Cr | 0.58% |
Risk & Performance Ratios
Standard Deviation
This fund
8.39%
Cat. avg.
7.69%
Lower the better
Sharpe Ratio
This fund
0.64
Cat. avg.
0.73
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
1.23
Higher the better
Fund Managers
VS
Viral Shah
Since October 2022
DP
Dhaval Patel
Since March 2023
Additional Scheme Detailsas of 30th November 2025
ISIN INF0J8L01040 | Expense Ratio 0.58% | Exit Load 1.00% | Fund Size ₹3,755 Cr | Age 4 years 1 month | 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
₹7,087 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% | ₹2482.28 Cr | -4.0% |
| NJ Overnight Fund Direct Growth Low Risk | 0.1% | 0.0% | ₹289.94 Cr | 5.8% |
| NJ Arbitrage Fund Direct Growth Low Risk | 0.3% | 0.0% | ₹261.81 Cr | 6.3% |
| NJ Balanced Advantage Fund Direct Growth Very High Risk | 0.6% | 1.0% | ₹3755.48 Cr | 1.5% |
| NJ ELSS Tax Saver Scheme Direct Growth Very High Risk | 0.6% | 0.0% | ₹311.84 Cr | -2.9% |
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 Direct Growth?
The NAV of NJ Balanced Advantage Fund Direct Growth, as of 12-Dec-2025, is ₹14.42.
What are the returns of NJ Balanced Advantage Fund Direct Growth?
The fund has generated 1.48% over the last 1 year and 12.05% 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 Direct Growth?
The fund's allocation of assets is distributed as 65.78% in equities, 2.25% in bonds, and 31.97% in cash and cash equivalents.
Who manages the NJ Balanced Advantage Fund Direct Growth?
The fund managers responsible for NJ Balanced Advantage Fund Direct 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 Direct Growth
HybridDynamic Asset AllocationVery High Risk
Direct
NAV (12-Dec-25)
₹14.420.35%1D
Returns (Since Inception)
9.29%
Rated ★4.3+ on
Fund Overview
Fund Size
₹3,755 Cr
Expense Ratio
0.58%
ISIN
INF0J8L01040
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 Direct Growth is a Dynamic Asset Allocation mutual fund schemes offered by NJ Mutual Fund. This fund has been in existence for 4 years, 1 months and 16 days, having been launched on 29-Oct-21.
As of 12-Dec-25, it has a Net Asset Value (NAV) of ₹14.42, Assets Under Management (AUM) of 3755.48 Crores, and an expense ratio of 0.58%.
As of 12-Dec-25, it has a Net Asset Value (NAV) of ₹14.42, Assets Under Management (AUM) of 3755.48 Crores, and an expense ratio of 0.58%.
- NJ Balanced Advantage Fund Direct Growth has given a CAGR return of 9.29% since inception.
- The fund's asset allocation comprises around 65.78% in equities, 2.25% in debts, and 31.97% in cash & cash equivalents.
- You can start investing in NJ Balanced Advantage Fund Direct 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
+1.48%
+3.67% (Cat Avg.)
3 Years
+12.05%
+12.18% (Cat Avg.)
Since Inception
+9.29%
— (Cat Avg.)
Portfolio Summaryas of 30th November 2025
| Equity | ₹2,470.38 Cr | 65.78% |
| Debt | ₹84.46 Cr | 2.25% |
| Others | ₹1,200.64 Cr | 31.97% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type | Amount | Holdings |
|---|---|---|---|
| Cash Offset For Derivatives | Cash - General Offset | ₹1,040.56 Cr | 27.71% |
| Future on Reliance Industries Ltd | Equity - Future | ₹-350.39 Cr | 9.33% |
| Reliance Industries Ltd | Equity | ₹348.38 Cr | 9.28% |
| Bajaj Finance Ltd | Equity | ₹194.74 Cr | 5.19% |
| HDFC Bank Ltd | Equity | ₹171.06 Cr | 4.55% |
| Eicher Motors Ltd | Equity | ₹123.2 Cr | 3.28% |
| Bosch Ltd | Equity | ₹115.32 Cr | 3.07% |
| Marico Ltd | Equity | ₹115.28 Cr | 3.07% |
| ICICI Bank Ltd | Equity | ₹112.89 Cr | 3.01% |
| Muthoot Finance Ltd | Equity | ₹111.83 Cr | 2.98% |
| Britannia Industries Ltd | Equity | ₹109.38 Cr | 2.91% |
| Future on Bajaj Finance Ltd | Equity - Future | ₹-99.87 Cr | 2.66% |
| Hdfc Bank Limited December 2025 Future | Equity - Future | ₹-93.65 Cr | 2.49% |
| Clearing Corporation Of India Ltd | Cash - Repurchase Agreement | ₹91.6 Cr | 2.44% |
| HDFC Asset Management Co Ltd | Equity | ₹88.79 Cr | 2.36% |
| Future on BANK Index | Equity Index - Future | ₹-77.44 Cr | 2.06% |
| Kotak Mahindra Bank Ltd | Equity | ₹76.4 Cr | 2.03% |
| SBI Cards and Payment Services Ltd Ordinary Shares | Equity | ₹73.8 Cr | 1.97% |
| Hero MotoCorp Ltd | Equity | ₹73.78 Cr | 1.96% |
| Great Eastern Shipping Co Ltd | Equity | ₹72.11 Cr | 1.92% |
| Nestle India Ltd | Equity | ₹71.75 Cr | 1.91% |
| Tech Mahindra Ltd | Equity | ₹70.85 Cr | 1.89% |
| Mphasis Ltd | Equity | ₹68.35 Cr | 1.82% |
| Wipro Ltd | Equity | ₹68.16 Cr | 1.82% |
| Dr Reddy's Laboratories Ltd | Equity | ₹67.26 Cr | 1.79% |
| Pidilite Industries Ltd | Equity | ₹65.47 Cr | 1.74% |
| Hindustan Unilever Ltd | Equity | ₹64.13 Cr | 1.71% |
| Dr. Lal PathLabs Ltd | Equity | ₹63.35 Cr | 1.69% |
| Endurance Technologies Ltd | Equity | ₹62.96 Cr | 1.68% |
| Page Industries Ltd | Equity | ₹61.59 Cr | 1.64% |
| Ajanta Pharma Ltd | Equity | ₹48.72 Cr | 1.30% |
| ITC Ltd | Equity | ₹47.8 Cr | 1.27% |
| Future on Vodafone Idea Ltd | Equity - Future | ₹-47.72 Cr | 1.27% |
| Vodafone Idea Ltd | Equity | ₹47.06 Cr | 1.25% |
| State Bank of India | Equity | ₹41.26 Cr | 1.10% |
| UTI Asset Management Co Ltd | Equity | ₹40.06 Cr | 1.07% |
| State Bank of India Future Dec 25 | Equity - Future | ₹-38.49 Cr | 1.03% |
| Aptus Value Housing Finance India Ltd | Equity | ₹37.43 Cr | 1.00% |
| Icici Bank Limited December 2025 Future | Equity - Future | ₹-37.31 Cr | 0.99% |
| India (Republic of) | Bond - Short-term Government Bills | ₹33.91 Cr | 0.90% |
| Future on Jio Financial Services Ltd | Equity - Future | ₹-29.64 Cr | 0.79% |
| Jio Financial Services Ltd | Equity | ₹29.43 Cr | 0.78% |
| Axis Bank Ltd | Equity | ₹29.35 Cr | 0.78% |
| Trent Ltd | Equity | ₹29.12 Cr | 0.78% |
| Sun Pharmaceuticals Industries Ltd | Equity | ₹28.51 Cr | 0.76% |
| Asian Paints Ltd | Equity | ₹27.42 Cr | 0.73% |
| HCL Technologies Ltd | Equity | ₹26.29 Cr | 0.70% |
| Trent Limited December 2025 Future | Equity - Future | ₹-25.64 Cr | 0.68% |
| 8.33% Govt Stock 2026 | Bond - Gov't/Treasury | ₹25.4 Cr | 0.68% |
| Future on ITC | Equity - Future | ₹-25.39 Cr | 0.68% |
| 7.27% Govt Stock 2026 | Bond - Gov't/Treasury | ₹25.15 Cr | 0.67% |
| Treasury Bills | Bond - Gov't/Treasury | ₹24.86 Cr | 0.66% |
| Tata Consultancy Services Ltd | Equity | ₹24.36 Cr | 0.65% |
| Future on Aditya Birla Capital Ltd | Equity - Future | ₹-24.3 Cr | 0.65% |
| Infosys Ltd | Equity | ₹24.26 Cr | 0.65% |
| Aditya Birla Capital Ltd | Equity | ₹24.2 Cr | 0.64% |
| Dabur India Ltd | Equity | ₹23.61 Cr | 0.63% |
| Bajaj Auto Ltd | Equity | ₹23.44 Cr | 0.62% |
| Berger Paints India Ltd | Equity | ₹23.26 Cr | 0.62% |
| Cipla Ltd | Equity | ₹23.12 Cr | 0.62% |
| L&T Technology Services Ltd | Equity | ₹22.81 Cr | 0.61% |
| Oil & Natural Gas Corp Ltd | Equity | ₹22.76 Cr | 0.61% |
| Tata Technologies Ltd | Equity | ₹22.74 Cr | 0.61% |
| Crompton Greaves Consumer Electricals Ltd | Equity | ₹21.77 Cr | 0.58% |
| Bayer CropScience Ltd | Equity | ₹21.63 Cr | 0.58% |
| Power Grid Corp Of India Ltd | Equity | ₹21.59 Cr | 0.57% |
| Castrol India Ltd | Equity | ₹21.59 Cr | 0.57% |
| Kajaria Ceramics Ltd | Equity | ₹20.51 Cr | 0.55% |
| Gujarat State Petronet Ltd | Equity | ₹20.26 Cr | 0.54% |
| Net Receivables / (Payables) | Cash | ₹20.25 Cr | 0.54% |
| Tata Elxsi Ltd | Equity | ₹20.08 Cr | 0.53% |
| Future on Mahindra & Mahindra Ltd | Equity - Future | ₹-19.83 Cr | 0.53% |
| Mahindra & Mahindra Ltd | Equity | ₹19.69 Cr | 0.52% |
| Procter & Gamble Hygiene and Health Care Ltd | Equity | ₹19.53 Cr | 0.52% |
| Future on Bharti Airtel Ltd | Equity - Future | ₹-19.5 Cr | 0.52% |
| Bharti Airtel Ltd | Equity | ₹19.37 Cr | 0.52% |
| Future on DLF Ltd | Equity - Future | ₹-19.08 Cr | 0.51% |
| DLF Ltd | Equity | ₹18.92 Cr | 0.50% |
| Future on Bank of Baroda | Equity - Future | ₹-15.88 Cr | 0.42% |
| Bank of Baroda | Equity | ₹15.77 Cr | 0.42% |
| 364 DTB 01012026 | Bond - Gov't/Treasury | ₹14.93 Cr | 0.40% |
| CRISIL Ltd | Equity | ₹14.6 Cr | 0.39% |
| Future on Larsen & Toubro Ltd | Equity - Future | ₹-14.2 Cr | 0.38% |
| Larsen & Toubro Ltd | Equity | ₹14.1 Cr | 0.38% |
| Abbott India Ltd | Equity | ₹11.25 Cr | 0.30% |
| Titan Company Limited December 2025 Future | Equity - Future | ₹-10.87 Cr | 0.29% |
| Eternal Ltd | Equity | ₹10.84 Cr | 0.29% |
| Titan Co Ltd | Equity | ₹10.8 Cr | 0.29% |
| Future on Adani Enterprises Ltd | Equity - Future | ₹-10.69 Cr | 0.28% |
| Adani Enterprises Ltd | Equity | ₹10.64 Cr | 0.28% |
| Future on Ambuja Cements Ltd | Equity - Future | ₹-9.69 Cr | 0.26% |
| Ambuja Cements Ltd | Equity | ₹9.65 Cr | 0.26% |
| Bandhan Bank Ltd | Equity | ₹8.39 Cr | 0.22% |
| Eternal Limited December 2025 Future | Equity - Future | ₹-6.89 Cr | 0.18% |
| Future on Solar Industries India Ltd | Equity - Future | ₹-6.31 Cr | 0.17% |
| Solar Industries India Ltd | Equity | ₹6.27 Cr | 0.17% |
| SBI Life Future Dec 25 | Equity - Future | ₹-5.56 Cr | 0.15% |
| SBI Life Insurance Co Ltd | Equity | ₹5.53 Cr | 0.15% |
| Yes Bank Ltd | Equity | ₹5.21 Cr | 0.14% |
| Future on Bajaj Finserv Ltd | Equity - Future | ₹-4.84 Cr | 0.13% |
| Bajaj Finserv Ltd | Equity | ₹4.82 Cr | 0.13% |
| Eternal Limited January 2026 Future | Equity - Future | ₹-4.05 Cr | 0.11% |
| Future on Tata Steel Ltd | Equity - Future | ₹-3.81 Cr | 0.10% |
| Tata Steel Ltd | Equity | ₹3.79 Cr | 0.10% |
| Trent Limited January 2026 Future | Equity - Future | ₹-3.7 Cr | 0.10% |
| Future on Petronet LNG Ltd | Equity - Future | ₹-3.55 Cr | 0.09% |
| Petronet LNG Ltd | Equity | ₹3.52 Cr | 0.09% |
| Indus Towers Limited December 2025 Future | Equity - Future | ₹-3.36 Cr | 0.09% |
| Indus Towers Ltd Ordinary Shares | Equity | ₹3.34 Cr | 0.09% |
| SKF India (Industrial) Ltd | Equity | ₹3.31 Cr | 0.09% |
| Canara Bank | Equity | ₹3.27 Cr | 0.09% |
| Future on Sammaan Capital Ltd | Equity - Future | ₹-3.15 Cr | 0.08% |
| Sammaan Capital Ltd | Equity | ₹3.11 Cr | 0.08% |
| State Bank of India Future Jan 26 | Equity - Future | ₹-3.05 Cr | 0.08% |
| Punjab National Bank | Equity | ₹2.99 Cr | 0.08% |
| Future on Godrej Properties Ltd | Equity - Future | ₹-2.8 Cr | 0.07% |
| Godrej Properties Ltd | Equity | ₹2.79 Cr | 0.07% |
| Future on Sun Pharmaceuticals Industries Ltd | Equity - Future | ₹-2.77 Cr | 0.07% |
| Punjab National Bank Future Jan 26 | Equity - Future | ₹-2.52 Cr | 0.07% |
| India (Republic of) | Bond - Short-term Government Bills | ₹2.49 Cr | 0.07% |
| India (Republic of) | Bond - Short-term Government Bills | ₹2.47 Cr | 0.07% |
| 364 DTB 27022026 | Bond - Gov't/Treasury | ₹2.47 Cr | 0.07% |
| SKF India Ltd | Equity | ₹2.29 Cr | 0.06% |
| Future on Varun Beverages Ltd | Equity - Future | ₹-2.29 Cr | 0.06% |
| Varun Beverages Ltd | Equity | ₹2.28 Cr | 0.06% |
| Future on Adani Ports & Special Economic Zone Ltd | Equity - Future | ₹-1.96 Cr | 0.05% |
| Adani Ports & Special Economic Zone Ltd | Equity | ₹1.95 Cr | 0.05% |
| Future on Samvardhana Motherson International Ltd | Equity - Future | ₹-1.65 Cr | 0.04% |
| Samvardhana Motherson International Ltd | Equity | ₹1.65 Cr | 0.04% |
| Future on Crompton Greaves Consumer Electricals Ltd | Equity - Future | ₹-1.35 Cr | 0.04% |
| Future on UltraTech Cement Ltd | Equity - Future | ₹-1.06 Cr | 0.03% |
| UltraTech Cement Ltd | Equity | ₹1.04 Cr | 0.03% |
| 08.31 PN Sdl 2026 | Bond - Gov't/Treasury | ₹1 Cr | 0.03% |
| Future on GMR Airports Ltd | Equity - Future | ₹-0.84 Cr | 0.02% |
| GMR Airports Ltd | Equity | ₹0.83 Cr | 0.02% |
| Future on Exide Industries Ltd | Equity - Future | ₹-0.81 Cr | 0.02% |
| Exide Industries Ltd | Equity | ₹0.81 Cr | 0.02% |
| Future on United Spirits Ltd | Equity - Future | ₹-0.76 Cr | 0.02% |
| United Spirits Ltd | Equity | ₹0.75 Cr | 0.02% |
| Cenergy Holdings SA Future Dec 25 | Equity - Future | ₹-0.59 Cr | 0.02% |
| Punjab National Bank Future Dec 25 | Equity - Future | ₹-0.5 Cr | 0.01% |
| The Indian Hotels Company Limited December 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 | ₹-0.41 Cr | 0.01% |
| HFCL Ltd | Equity | ₹0.41 Cr | 0.01% |
| JSW Energy Ltd | Equity | ₹0.39 Cr | 0.01% |
| Future on Bharat Electronics Ltd | Equity - Future | ₹-0.35 Cr | 0.01% |
| Future on Laurus Labs Ltd | Equity - Future | ₹-0.35 Cr | 0.01% |
| Bharat Electronics Ltd | Equity | ₹0.35 Cr | 0.01% |
| Laurus Labs Ltd | Equity | ₹0.35 Cr | 0.01% |
| Future on Mphasis Ltd | Equity - Future | ₹-0.31 Cr | 0.01% |
| Cipla Limited December 2025 Future | Equity - Future | ₹-0.29 Cr | 0.01% |
| Nestle Future Dec 25 | Equity - Future | ₹-0.19 Cr | 0.01% |
| Future on Bharat Heavy Electricals Ltd | Equity - Future | ₹-0.15 Cr | 0.00% |
| Bharat Heavy Electricals Ltd | Equity | ₹0.15 Cr | 0.00% |
| Future on Inox Wind Energy Ltd Ordinary Shares | Equity - Future | ₹-0.15 Cr | 0.00% |
| Inox Wind Ltd | Equity | ₹0.14 Cr | 0.00% |
| Adani Energy Solutions Ltd | Equity | ₹0.13 Cr | 0.00% |
| Tata Consumer Future Dec 25 | Equity - Future | ₹-0.06 Cr | 0.00% |
| Tata Consumer Products Ltd | Equity | ₹0.06 Cr | 0.00% |
| Adani Green Energy Ltd | Equity | ₹0.06 Cr | 0.00% |
| Future on GAIL (India) Ltd | Equity - Future | ₹-0.06 Cr | 0.00% |
| GAIL (India) Ltd | Equity | ₹0.06 Cr | 0.00% |
Allocation By Market Cap (Equity)
Large Cap Stocks
38.42%
Mid Cap Stocks
23.97%
Small Cap Stocks
11.02%
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹1,094.93 Cr | 29.16% |
| Consumer Cyclical | ₹555.43 Cr | 14.79% |
| Consumer Defensive | ₹454.58 Cr | 12.10% |
| Energy | ₹406.89 Cr | 10.83% |
| Technology | ₹348.31 Cr | 9.27% |
| Healthcare | ₹242.56 Cr | 6.46% |
| Basic Materials | ₹158.53 Cr | 4.22% |
| Industrials | ₹115.75 Cr | 3.08% |
| Communication Services | ₹69.76 Cr | 1.86% |
| Utilities | ₹42.5 Cr | 1.13% |
| Real Estate | ₹21.72 Cr | 0.58% |
Risk & Performance Ratios
Standard Deviation
This fund
8.39%
Cat. avg.
7.69%
Lower the better
Sharpe Ratio
This fund
0.64
Cat. avg.
0.73
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
1.23
Higher the better
Fund Managers
VS
Viral Shah
Since October 2022
DP
Dhaval Patel
Since March 2023
Additional Scheme Detailsas of 30th November 2025
ISIN INF0J8L01040 | Expense Ratio 0.58% | Exit Load 1.00% | Fund Size ₹3,755 Cr | Age 4 years 1 month | 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
₹7,087 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% | ₹2482.28 Cr | -4.0% |
| NJ Overnight Fund Direct Growth Low Risk | 0.1% | 0.0% | ₹289.94 Cr | 5.8% |
| NJ Arbitrage Fund Direct Growth Low Risk | 0.3% | 0.0% | ₹261.81 Cr | 6.3% |
| NJ Balanced Advantage Fund Direct Growth Very High Risk | 0.6% | 1.0% | ₹3755.48 Cr | 1.5% |
| NJ ELSS Tax Saver Scheme Direct Growth Very High Risk | 0.6% | 0.0% | ₹311.84 Cr | -2.9% |
Related Articles
Still got questions?
We're here to help.
What is the current NAV of NJ Balanced Advantage Fund Direct Growth?
The NAV of NJ Balanced Advantage Fund Direct Growth, as of 12-Dec-2025, is ₹14.42.
What are the returns of NJ Balanced Advantage Fund Direct Growth?
The fund has generated 1.48% over the last 1 year and 12.05% 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 Direct Growth?
The fund's allocation of assets is distributed as 65.78% in equities, 2.25% in bonds, and 31.97% in cash and cash equivalents.
Who manages the NJ Balanced Advantage Fund Direct Growth?
The fund managers responsible for NJ Balanced Advantage Fund Direct 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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