ITI Balanced Advantage Fund - Direct Plan - IDCW

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Dynamic Asset Allocation or Balanced Advantage

Fund House : ITI Asset Management Ltd.

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 14.3223 -0.14%
(as on 07th November, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 396.82 Cr

(0.13% of Investment in Category)

Expense Ratio

: 0.63%

(0.74% Category average)

Risk-O-Meter

Very High Risk

Dynamic Asset Allocation or Balanced Advantage :Dynamic Asset Allocation or Balanced Advantage : The fund has 56.94% investment in domestic equities of which 31.56% is in Large Cap stocks, 1.63% is in Mid Cap stocks, 5.03% in Small Cap stocks.The fund has 20.77% investment in Debt, of which 3.88% in Government securities, 16.89% is in Low Risk securities.

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This Scheme

VS

NIFTY 50 Hybrid Composite Debt 50:50 Index

1.33%

2.67%

3.82%

7.38%

12.42%

11.74%

18.05%
NA
1.11%

2.83%

5.39%

5.43%

14.34%

13.47%

11.34%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 07th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	31-Oct-25	9962.00	-0.38%	-	-0.34%	20/34
1 Month	07-Oct-25	10054.10	0.54%	-	1.11%	23/35
3 Month	07-Aug-25	10193.40	1.93%	-	2.83%	18/35
6 Month	07-May-25	10258.40	2.58%	-	5.39%	10/35
YTD	01-Jan-25	9915.70	-0.84%	-	5.62%	27/34
1 Year	07-Nov-24	9924.20	-0.76%	-0.76%	5.43%	19/34
2 Year	07-Nov-23	11433.90	14.34%	6.92%	14.34%	15/29
3 Year	07-Nov-22	12669.90	26.70%	8.20%	13.16%	14/26
5 Year	06-Nov-20	16145.60	61.46%	10.04%	13.47%	10/19
Since Inception	30-Dec-19	14322.30	43.22%	6.32%	11.34%	30/34

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 07th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	07-Nov-24	12000	12164.65	1.37 %	2.54 %
2 Year	07-Nov-23	24000	24459.21	1.91 %	1.83 %
3 Year	07-Nov-22	36000	39142.61	8.73 %	5.5 %
5 Year	06-Nov-20	60000	71875.69	19.79 %	7.15 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 12.5%, if your total long term capital gain exceeds 1.25 lakh. Any cess/surcharge is not included. If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 20%. Any cess/surcharge is not included in the 20%.

Portfolio (Updated on 30th Sep,2025)

Portfolio Turnover Ratio : 585.00% | Category average turnover ratio is 431.27%

Fund manager updated portfolio more frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for shorter duration than peers)

Equity Holding : 56.94% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 56.94%

No of Stocks : 37 (Category Avg - 74.54) | Large Cap Investments : 31.56%| Mid Cap Investments : 1.63% | Small Cap Investments : 5.03% | Other : 18.72%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
HDFC Bank Ltd.	Private sector bank	202.1	5.09%	-0.04%	7.37% (Mar 2025)	4.08% (Jun 2025)	2.13 L	0.00
Reliance Industries Ltd.	Refineries & marketing	182.3	4.59%	1.23%	4.74% (Apr 2025)	3.36% (Aug 2025)	1.34 L	36.20 k
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	155	3.91%	-0.05%	3.96% (Aug 2025)	2.8% (Dec 2024)	82.50 k	0.00
Infosys Ltd.	Computers - software & consulting	131.7	3.32%	-0.09%	4.54% (Jan 2025)	3.32% (Sep 2025)	91.33 k	0.00
Bajaj Finance Ltd.	Non banking financial company (nbfc)	108.9	2.75%	0.32%	2.75% (Sep 2025)	0.91% (Nov 2024)	1.09 L	0.00
Swiggy Ltd.	E-retail/ e-commerce	99.7	2.51%	0.06%	2.51% (Sep 2025)	0% (Oct 2024)	2.36 L	0.00
Eternal Ltd.	E-retail/ e-commerce	93.1	2.35%	0.07%	2.35% (Sep 2025)	1.55% (Mar 2025)	2.86 L	0.00
Wockhardt Ltd.	Pharmaceuticals	80.3	2.02%	0.10%	2.23% (Jun 2025)	0% (Oct 2024)	53.00 k	0.00
HDFC Life Insurance Company Ltd.	Life insurance	76.8	1.93%	-0.06%	2.02% (Jun 2025)	1.01% (Dec 2024)	1.01 L	0.00
Garware Hi-Tech Films Ltd.	Plastic products - industrial	76.5	1.93%	0.15%	3.36% (Dec 2024)	1.78% (Aug 2025)	26.02 k	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 13 (Category Avg - 30.31) | Modified Duration 0.37 Years (Category Avg - 3.15)| Yield to Maturity 4.64% (Category Avg - 6.66%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	3.88%	8.64%
CD	0.00%	0.41%
T-Bills	0.00%	1.13%
CP	0.00%	0.29%
NCD & Bonds	16.89%	11.16%
PTC	0.00%	0.32%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	3.88%	9.77%
Low Risk	16.89%	11.24%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	18.66%
Net Receivables	Net Receivables	3.63%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st October, 2025)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

8.28vs7.7

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

1.17vs1.1

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.68vs0.85

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.05vs0.06

Category Avg
Jensen's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Poor risk adjusted returns

-1.19vs0.23

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
ICICI Prudential Balanced Advantage Fund - Direct Plan - Growth	NA	66750.51	0.97	3.69	6.34	9.93	13.78
WhiteOak Capital Balanced Advantage Fund - Direct Plan - Growth	NA	1897.02	1.07	2.62	5.75	8.73	0.00
Aditya Birla Sun Life Balanced Advantage Fund - Direct Plan - Growth	NA	8370.71	1.05	2.66	5.22	8.31	13.78
Mirae Asset Balanced Advantage Fund - Direct Plan - Growth	NA	1933.78	1.27	2.96	6.01	8.12	13.68
Baroda BNP Paribas Balanced Advantage Fund - Direct - Growth	NA	4361.97	1.72	3.57	8.30	8.01	15.25
UTI Balanced Advantage Fund - Direct Plan - Growth	NA	3067.28	1.11	3.26	4.63	7.88	0.00
SBI Balanced Advantage Fund - Direct Plan - Growth	NA	37457.25	2.09	4.11	5.32	7.88	14.77
DSP Dynamic Asset Allocation Fund - Direct Plan - Growth	NA	3532.22	1.44	2.84	5.14	7.39	13.36
Nippon India Balanced Advantage Fund - Direct Plan - Growth	NA	9479.97	0.70	3.25	5.26	7.11	13.46
Franklin India Balanced Advantage Fund - Direct Plan - Growth	NA	2779.25	0.79	2.35	4.37	6.62	14.55

Detailed Comparison

More Funds from ITI Asset Management Ltd.

Out of 19 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 1 is/are ranked 4 * , 1 is/are ranked 3 * , 2 is/are ranked 2 * , 1 is/are ranked 1 * , and 13 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
ITI Small Cap Fund - Direct Plan - Growth	5	2666.63	1.06	1.82	11.52	0.26	27.55
ITI Multi Cap Fund - Direct Plan - Growth	2	1267.93	1.21	2.99	10.08	1.13	20.40
ITI Mid Cap Fund - Direct Plan - Growth	3	1227.33	1.28	4.23	10.50	2.51	24.31
ITI Flexi Cap Fund - Direct Plan - Growth	NA	1202.95	0.79	3.17	10.66	0.80	0.00
ITI Large & Mid Cap Fund - Direct Plan - Growth	NA	847.45	1.10	3.70	8.80	0.48	0.00
ITI Focused Fund - Direct Plan - Growth	NA	536.47	0.69	3.59	10.95	6.61	0.00
ITI Large Cap Fund - Direct Plan - Growth	1	516.80	1.67	3.90	7.22	3.87	15.07
ITI ELSS Tax Saver Fund - Direct Plan - Growth	4	422.77	1.67	5.18	12.51	3.43	21.88
ITI Balanced Advantage Fund - Direct Plan - Growth	NA	396.82	0.96	2.93	5.73	5.97	13.23
ITI Value Fund - Direct Plan - Growth	2	330.92	1.97	4.76	10.55	1.28	19.68