How ₹10,000 Monthly SIP in HDFC Balanced Advantage Fund Grew to Nearly ₹16 Crore in 32 Years

A monthly ₹10,000 SIP in HDFC Balanced Advantage Fund from February 1994 to January 2026 would have grown to around ₹15.89 crore.

The total investment during this period was ₹38.4 lakh, delivering an XIRR of about 18.4%. This highlights how disciplined, long-term investing can create significant wealth, though returns may vary across market cycles.

The fund has completed more than three decades of operation and manages assets of roughly ₹1.06 lakh crore, making it one of India’s largest hybrid funds.

SIP Returns Across Different Time Periods

Returns look very different over shorter investment horizons:

• 15 years: ₹18 lakh invested → about ₹60.51 lakh (XIRR ~14.08%)
• 10 years: ₹12 lakh invested → about ₹26.98 lakh (XIRR ~15.40%)
• 5 years: ₹6 lakh invested → about ₹8.66 lakh (XIRR ~9.63%)

These figures show that longer holding periods generally produce stronger returns, while short-term results can be modest.

Lump-Sum Investment Performance

For one-time investments of ₹10,000, the value changed depending on the time invested:

• 1 year: about ₹10,759
• 3 years: about ₹16,729
• 5 years: about ₹24,238
• 10 years: about ₹40,675
• Since launch: nearly ₹1.95 lakh

Annualised returns stood at 7.61% (1 year), 17.62% (3 years), 19.39% (5 years), 15.04% (10 years), and 17.90% since inception.

Read More: Best Gold ETFs Based on 6-Month Returns in Feb 2026!

Why Returns Change Over Time

The fund follows a dynamic asset allocation strategy, shifting money between equity and debt depending on market conditions.
This approach aims to limit losses during market falls while still capturing equity growth over the long term. As a result, performance may lag during strong bull markets but hold up better in downturns, causing uneven yearly returns.

Global economic trends, market volatility, interest rates, and valuations also influence outcomes.

Long Track Record, But No Guarantee

Although the fund’s 32-year history covers multiple market cycles, past performance does not ensure similar future returns. Structural changes in markets and regulations could affect results going forward.

Conclusion

HDFC Balanced Advantage Fund’s long-term record shows the powerful impact of patience, consistency, and disciplined SIP investing. However, investors should remain realistic about risks and remember that future returns may differ from past performance.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a private recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.