Balanced Advantage Fund · SIP history from AMFI NAVs
ICICI Prudential Balanced Advantage Fund SIP calculator & returns
A ₹10,000 monthly SIP in the Direct plan for the last 10 years (Nov 2016 onward) would be worth ₹21.07 L on 1 Oct 2026, on ₹12,00,000 invested — an XIRR of 11.0%. After tax on full redemption: ₹20.11 L.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Invested — over — instalments; valued at NAV of —:
| Year | Invested | Value at year end | XIRR to date |
|---|
₹10,000 a month in ICICI Prudential Balanced Advantage Fund: what it became
Each row is a monthly SIP that ends today (1 Oct 2026). Post-tax assumes you redeem everything today with no other capital gains this year.
| SIP period | Invested | Direct value | Direct XIRR | Direct post-tax | Regular value | Regular XIRR |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.19 L | -2.1% | ₹1.19 L | ₹1.19 L | -2.6% |
| 3 years | ₹3,60,000 | ₹3.90 L | 5.6% | ₹3.90 L | ₹3.87 L | 5.0% |
| 5 years | ₹6,00,000 | ₹7.49 L | 9.1% | ₹7.46 L | ₹7.37 L | 8.4% |
| 10 years | ₹12,00,000 | ₹21.07 L | 11.0% | ₹20.11 L | ₹20.29 L | 10.3% |
| Since launch of each plan | varies | ₹38.64 L | 11.5% | ₹36.40 L | ₹82.46 L | 11.3% |
Same ₹10,000/month for 10 years, same fund manager, same portfolio: the Regular plan ended ₹77,124 lower (3.7% of the Direct value). The XIRR gap is 0.71 percentage points a year — that is the distributor commission inside the Regular plan's expense ratio, compounding against you. Direct vs Regular, explained.
Every SIP this fund has ever allowed: rolling returns
We started a 5-year SIP in every month the Regular plan's history allows — 178 separate SIPs. The worst returned -1.3% a year (started Apr 2015), the median 12.6%, the best 19.0%; 1% of them lost money. That spread is the honest answer to “what return should I expect?” — not a single trailing number.
XIRR of every 5-year monthly SIP in the Regular plan, plotted by the month it started. Dashed line: 6% a year.
| Window | SIPs tested | Worst XIRR | Median | Best XIRR | Lost money | Beat 6% |
|---|---|---|---|---|---|---|
| 3-year SIPs | 202 | -8.5%Apr 2017–Apr 2020 | 12.6% | 24.5%Dec 2011–Dec 2014 | 1% | 95% |
| 5-year SIPs | 178 | -1.3%Apr 2015–Apr 2020 | 12.6% | 19.0%Mar 2010–Mar 2015 | 1% | 97% |
| 10-year SIPs | 118 | 6.6%Apr 2010–Apr 2020 | 12.1% | 14.3%Jan 2008–Jan 2018 | 0% | 100% |
Rolling figures use the Regular plan (longer history). SIP on the first business day of each month; units valued at the NAV one month after the last instalment.
Questions about ICICI Prudential Balanced Advantage Fund SIPs
What would a ₹5,000 monthly SIP in ICICI Prudential Balanced Advantage Fund for 5 years be worth today?
About ₹3.75 L on ₹3,00,000 invested (Direct plan, Nov 2021 to Oct 2026), an XIRR of 9.1%. Scale linearly for other amounts, or use the calculator above for any start month.
What is the 10-year SIP return of ICICI Prudential Balanced Advantage Fund?
A monthly SIP over the last 10 years in the Direct plan earned an XIRR of 11.0% as of 1 Oct 2026. Rolling 10-year SIPs across the fund's history are shown on this page because a single trailing number depends heavily on today's market level.
Has a 5-year SIP in ICICI Prudential Balanced Advantage Fund ever lost money?
Yes. 1% of 178 rolling 5-year SIPs ended with a negative XIRR; the worst was -1.3% (Apr 2015–Apr 2020).
Direct or Regular plan of ICICI Prudential Balanced Advantage Fund — how much does it matter?
Same ₹10,000/month for 10 years, same fund manager, same portfolio: the Regular plan ended ₹77,124 lower (3.7% of the Direct value). The XIRR gap is 0.71 percentage points a year — that is the distributor commission inside the Regular plan's expense ratio, compounding against you. Direct vs Regular, explained.
Where does this data come from?
Daily NAVs published by AMFI (Association of Mutual Funds in India). We take the first NAV of each month as the SIP date and value units at the latest NAV. Updated monthly.
How these numbers are calculated
NAVs are AMFI's official daily NAVs (Growth option). Instalments fall on the first business day of each month; stamp duty (0.005%) and exit loads are ignored. Returns are XIRR on actual dates. Tax: 12.5% LTCG above ₹1.25 lakh on units held over a year, 20% STCG on the rest, and Section 112A grandfathering at the 31-Jan-2018 NAV for older units. Full method: methodology.
Past performance does not indicate future returns. This page is a historical calculation, not a recommendation to buy, hold or sell this fund. sipcalculatorhub.com is not a SEBI-registered investment adviser.
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