59%
1-year holding
of 37 windows beat the index
Avg / yr+11.8%
Hybrid: Others
NJ-BALANCED ADVANTAGE PORTFOLIO
8.2
Nyra score
Independently scored
4-yr track record · since Dec 2021BlendAUM ₹198 CrMax drawdown −8.09%SEBI-registered PMS
3Y CAGR
11.4%
vs 8.8% index
5Y CAGR
—
annualised
Since inception
8.6%
CAGR · net of fees
₹1 Cr became
₹1.39 Cr
index ₹1.34 Cr
AUM
₹198 Cr
strategy size
Minimum
₹50 L
SEBI minimum
Snapshot
What this strategy is
NJ-BALANCED ADVANTAGE PORTFOLIO is a hybrid: others PMS strategy from NJ-BALANCED ADVANTAGE. It follows a Blend style, is benchmarked to the NIFTY 50 Hybrid Composite debt 50:50 Index, and carries a Nyra score of 8.2 out of 10.
Performance · what ₹1 crore would have become
₹1.39 Cr
+39% · 1.4× your money
- This strategy₹1.39 Cr
- NIFTY 50 Hybrid Composite debt 50:50 Index₹1.34 Cr
₹1 Cr invested at inception (Dec 2021)4.0 yrs
Illustrative monthly path, net of fees, modelled to the strategy's since-inception CAGR versus the NIFTY 50 Hybrid Composite debt 50:50 Index. Not the actual NAV series; past performance is not indicative of future returns.
Returns
Trailing returns vs benchmark
Absolute for windows under a year, annualised (CAGR) beyond. Alpha is the strategy minus its benchmark.
1M
3M
6M
1Y
3Y
5Y
SI
This strategy5.6%
-0.5%
-1.3%
3.9%
11.4%
—
8.6%
NIFTY 50 Hybrid Composite debt 50:50 Index
3.9%
-2.6%
-3.3%
0.6%
8.8%
—
7.5%
Alpha
+1.7%
+2.1%
+2%
+3.3%
+2.6%
—
+1.1%
Reliability
How often it has beaten the index
Across every rolling holding period in the modelled history — the longer you hold, the more the odds have favoured the strategy.
100%
3-year holding
of 13 windows beat the index
Avg / yr+11.7%
Computed on an illustrative monthly path modelled to the since-inception CAGR — not the actual NAV series.
Risk
The quality of those returns
Returns mean little without the ride that earned them.
−8.09%
Max drawdown
-5.4%
Worst 1-yr window
13.1%
Volatility (ann.)
0.68
Sharpe ratio
In its worst stretch the strategy fell −8.09% peak-to-trough. A Sharpe of 0.68 means it earned a modest return for each unit of risk taken. Size the position so a drawdown of that order is one you can sit through.
Portfolio
Under the hood — where the money sits
A focused book of about 3 stocks, spread across the market-cap curve.
Market-cap mix
- Large38%
- Mid44%
- Small19%
Concentration
Holdings3 stocks
Cash / debt buffer—
Top holdings and the sector book stream from the live feed — ask Nyra for the current portfolio.
Manager
Who runs the money
A strategy is only as good as the hand on the wheel.
Fund manager
Investment team
NJ-BALANCED ADVANTAGE · 4-yr strategy tenure · ₹198 Cr managed
Investment philosophy
NJ-BALANCED ADVANTAGE's Hybrid: Others approach blends valuation discipline with growth conviction, tilting toward whichever side the cycle is paying for. It is benchmarked to the NIFTY 50 Hybrid Composite debt 50:50 Index but invests with conviction rather than hugging the index.
Conviction over the index
A focused book of roughly 3 holdings means the highest-conviction ideas actually move the portfolio.
Through the cycle
A 4-year track record across rallies and drawdowns — positioning shifts with the cycle rather than chasing the last quarter.
Risk first
Drawdowns are managed deliberately; the worst peak-to-trough on record is about −8.09%.
Nyra's read
A dependable hybrid: others strategy that scores well across our pillars.
Nyra scores NJ-BALANCED ADVANTAGE PORTFOLIO 8.2/10, on a since-inception CAGR near 8.6% and a 3-year CAGR of 11.4%. Its sharpest fall on record is about −8.09% — size the position so that ride is one you can hold.
Best suited to
Investors with a 5-year-plus horizon who want active Hybrid: Others exposure and can sit through equity drawdowns.
Mind if
A −8.09% drawdown would test your nerve, or you need ₹50 L+ to commit at the SEBI minimum.
Pairs well with
A steadier core (large-cap or hybrid) so this can play the higher-conviction satellite in your overall allocation.
Facts & fees
The fine print, in plain sight
- Inception
- Dec 2021
- Track record
- 4 years
- Category
- Hybrid: Others
- Style
- Blend
- Benchmark
- NIFTY 50 Hybrid Composite debt 50:50 Index
- Holdings
- 3 stocks
- Fixed fee
- 1.50% fixed
- Performance fee
- Performance-linked
- Minimum investment
- ₹50 L
- Lock-in / exit
- Exit Load: 1 Year: 1.00%, 2 Year: 0.00%, 3 Year: 0.00%
- Reporting
- Monthly + live login
- Regulator
- SEBI-registered PMS
PMS Sahi Hai is a SEBI-registered platform. Figures are sourced from the strategy's disclosures and the live feed; the growth chart, rolling-window and risk figures are modelled to the disclosed since-inception CAGR (illustrative, not the actual NAV series). Returns are net of fees where stated. Investments in PMS, AIF and GIFT City strategies are subject to market risk — past performance is not indicative of future results. This page is information, not investment advice.
What investors say
“I held two PMS for four years and couldn't tell you why. One 15-minute review showed me the overlap, the real post-tax number, and one fund worth replacing. Nobody had ever shown me that math.”
Rajesh K.HNI · Mumbai · ₹3.2 Cr · 2 PMS reviewedComposite client stories — names changed, numbers preserved.
FAQ
NJ-BALANCED ADVANTAGE PORTFOLIO — common questions
What is NJ-BALANCED ADVANTAGE PORTFOLIO?
NJ-BALANCED ADVANTAGE PORTFOLIO is a Hybrid: Others PMS strategy from NJ-BALANCED ADVANTAGE. It follows a Blend style, is benchmarked to the NIFTY 50 Hybrid Composite debt 50:50 Index, and carries a Nyra score of 8.2/10.
Who should consider NJ-BALANCED ADVANTAGE PORTFOLIO?
It suits investors with a five-year-plus horizon who want active Hybrid: Others exposure and can stay invested through market drawdowns. The SEBI minimum is ₹50 L.
What returns has it delivered?
Since inception (Dec 2021) it has compounded at roughly 8.6% a year, with a 3-year CAGR of 11.4% against 8.8% for the NIFTY 50 Hybrid Composite debt 50:50 Index. Returns are net of fees; past performance is not a guarantee of future results.
What are the fees and lock-in?
1.50% fixed, with a performance fee of Performance-linked. Exit / lock-in terms: Exit Load: 1 Year: 1.00%, 2 Year: 0.00%, 3 Year: 0.00%.
How risky is it?
Like all market-linked products it can fall in value; the worst drawdown on record is about −8.09%. NJ-BALANCED ADVANTAGE is SEBI-registered and reports monthly. This page is information, not investment advice.
