LIC MF Balanced Advantage Fund-Regular Plan-Growth
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 100% of 3-year investment horizons.
- Strong capital defense: downside capture of 53% limits losses during market corrections.
- Expense ratio (2.91%) is higher than category median (2.4%), which creates fee drag over time.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +4.28% | +5.51% | -1.23% |
| 3 Months | -0.32% | +1.29% | -1.61% |
| 6 Months | +5.63% | +5.25% | +0.38% |
| 1 Year | +1.81% | +2.38% | -0.57% |
| 3 Years CAGR | +7.75% | +9.06% | -1.31% |
| Since Inception | +6.89% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in LIC MF Balanced Advantage Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +1.91% | +1.91% | 0.00% |
| 2025 | +3.23% | +5.68% | -2.45% |
| 2024 | +12.08% | +12.82% | -0.74% |
| 2023 | +13.25% | +18.07% | -4.82% |
| 2022 | +5.38% | +2.58% | +2.80% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -7.75% | +8.01% | +7.76% | +19.67% | 89.0% | 37.4% |
| 3-Year Rolling | +5.42% | +9.08% | +9.19% | +13.84% | 100.0% | 4.7% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2025-06-27 | 2026-03-31 | -10.4% | 9 months | 4 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Under normal circumstances, the asset allocation of the Scheme would be as follows: Equities and equity related instruments**:0-100% of the total assets, Debt & Money Market Instruments (including Triparty Repo): 0-100% of the total assets, Please refer the Scheme Information Document for complete details. | Per Scheme Mandate |
Investment Objective & Strategy
The investment objective of the scheme is to provide capital appreciation/ income to the investors from a dynamic mix of equity, debt and money market instruments. The Scheme seeks to reduce the volatility by diversifying the assets across equity, debt and money market instruments. There is no assurance that the investment objective of the Scheme will be achieved.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 672 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as small relative to Balanced Advantage schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Balanced Advantage Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| Union Balanced Advantage Fund | 3.7 | +8.33% | 2.50% | 51.4% | Rs 1,202 cr | Compare → |
| Sundaram Dynamic Asset Allocation Fund | 3.4 | +7.64% | 2.54% | 60.8% | Rs 1,660 cr | Compare → |
| BANK OF INDIA BALANCED ADVANTAGE FUND | 3.9 | +9.06% | 2.67% | 57.2% | Rs 183 cr | Compare → |
| Tata Balanced Advantage Fund | 4.8 | +7.58% | 1.85% | 52.0% | Rs 8,166 cr | Compare → |
| Invesco India Balanced Advantage Fund | 3.5 | +8.89% | 2.40% | 57.0% | Rs 952 cr | Compare → |
Frequently Asked Questions about LIC MF Balanced Advantage Fund
What is the expense ratio of LIC MF Balanced Advantage Fund?
LIC MF Balanced Advantage Fund has a total expense ratio (TER) of 2.91% with a base expense ratio of 2.05%, compared to the Balanced Advantage category median of 2.40%.
Who manages LIC MF Balanced Advantage Fund?
LIC MF Balanced Advantage Fund is managed by Siddharth Panjwani (tenure: 0.0 years since 2026-10-27).
What are the historical returns of LIC MF Balanced Advantage Fund?
LIC MF Balanced Advantage Fund delivered a 3-year CAGR of 7.75%. Its 1-year return stands at +1.81%.
How large is LIC MF Balanced Advantage Fund?
LIC MF Balanced Advantage Fund manages assets of Rs 672 cr, placing it in the 'small' size band relative to Balanced Advantage peers.
How is LIC MF Balanced Advantage Fund scored on MFIQ?
LIC MF Balanced Advantage Fund holds an MFIQ Score of 3.4/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is LIC MF Balanced Advantage Fund?
LIC MF Balanced Advantage Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 9.08% with a maximum historical drawdown of -10.41%.