The Wealth Company Balanced Advantage Fund Direct Growth Review 2026: NAV, Returns, Portfolio & Should You Invest?

The Wealth Company Balanced Advantage Fund Direct Growth Plan has an NAV of ₹10.0556 as of 18 Sep 2026 and manages ₹47 Cr. Its 1-year, 3-year and 5-year returns are 0%, 0% and 0%, and the scheme sits in the High Risk category. Our view is that this is still an early-stage fund with limited live performance history, so the current evidence is more about portfolio structure than a mature return track record.

The mix of corporate debt, bank exposure and selective equity positions may help it behave differently from a plain equity fund, but the recent return trend remains soft versus the benchmark. That makes it more suitable for investors who can accept volatility and want to assess the fund over a longer horizon rather than expecting a completed performance cycle today.

Quick facts

Particular	Details
NAV	₹10.0556 as of 18 Sep 2026
AUM	₹47 Cr
Expense Ratio	0.0%
Launch Date	16 Feb 2026
Min SIP	₹250
Risk Category	High Risk
Benchmark	Nifty 50
Fund Category	Equity
Exit Load	1% on or before 180D, Nil after 180D
Fund Managers	Aparna Shanker, Umesh Sharma, Varun Nanavati

The fund is managed by Aparna Shanker, Umesh Sharma and Varun Nanavati.

Source data date: as of 18 Sep 2026

Performance

Period	Fund return	Benchmark return
1M	-1.51%	-3.73%
3M	-0.35%	-3.14%
1Y	0%	Data not available
3Y	Data not available	Data not available
5Y	Data not available	Data not available

The short-term pattern is weak, but it is still less negative than the benchmark over both 1M and 3M. That tells us the fund has cushioned the downside better than the index in the recent window, even though neither side has delivered a positive short-term outcome.

Longer-period figures are not available in a meaningful way because the scheme launched in February 2026. For now, the main takeaway is that the fund has not yet built a long operating history, so investors should treat recent numbers as an early snapshot rather than a stable trend.

The time pattern also suggests a narrow range of movement rather than a strong uptrend. In our view, that leaves more room for the portfolio mix and future allocation decisions to matter than for any conclusion to be drawn from return persistence today.

Source data date: as of 18 Sep 2026

Should you BUY or HOLD The Wealth Company Balanced Advantage?

A fund's past returns alone don't tell you whether you should buy it today or continue holding it.

The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.

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Peer comparison

Fund	1Y return	3Y return	5Y return
The Wealth Company Balanced Advantage Fund Direct Growth Plan	0%	0%	0%
The Wealth Company Balanced Advantage Fund Direct Growth Plan	Data not available	Data not available	Data not available

This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.

On available return data, the current fund does not yet show a differentiated longer-term record, and the same is true for the only peer row listed here. The short-term picture is therefore more useful than the long-term one, and even that short-term view points to a mild edge against the benchmark rather than a strong return lead.

Because the peer set here does not provide usable longer-horizon figures, the comparison is mostly a reminder that this is an immature track record. We would place more weight on portfolio construction and future consistency than on any early return contrast at this stage.

Source data date: as of 18 Sep 2026

Portfolio: where your money goes

Holding	Sector	Weight
7.38% REC Limited 28-Feb-2029**	Corporate Debt	6.25%
7.64% NABARD 06-Dec-2029**	Corporate Debt	4.18%
7.04% Sidbi 09-Feb-2029**	Corporate Debt	4.13%
7.57% Bajaj Finance Ltd 03-Apr-2030**	Corporate Debt	4.12%
ICICI Bank Limited	Bank	3.68%
Net Receivable/Payable	Cash & Cash Equivalents and Net Assets	2.92%
Billionbrains Garage Ventures Ltd.	Domestic Equities	2.8%
Divi'S Laboratories Limited	Healthcare	2.38%
CG Power and Industrial Solutions Ltd	Capital Goods	2.3%
Eternal Limited	Retailing	2.29%

The top 10 holdings account for approximately 35.05% of the portfolio.

To see all holdings, visit the The Wealth Company Balanced Advantage Fund Direct Growth Plan page

The largest holding is 7.38% REC Limited 28-Feb-2029**, at 6.25% of the portfolio, which is a meaningful single-position weight for a fund launched in 2026. The next few positions are also in the 4% range, so the portfolio begins with a cluster of debt-heavy exposures before the equity names appear lower in the table.

The drop from the largest holding to the tenth is fairly measured rather than abrupt. That suggests the visible part of the portfolio is not dominated by one outlier position, but it is also not evenly spread across many equally sized bets.

With 35.05% of assets in the displayed top 10 and 56 disclosed holdings in total, the fund appears to have a fairly long tail beyond the largest names. In our view, that combination may reduce dependence on any single holding, while still leaving the top positions likely to have greater influence on near-term behaviour.

Source data date: as of 18 Sep 2026

Who should invest

This fund may suit investors who can tolerate High Risk and are willing to look beyond a short operating history. The recent returns have been negative in the short run, but they have still held up better than the benchmark in the same periods, which may appeal to investors who want some downside moderation rather than pure index-like movement.

The more suitable horizon is longer rather than shorter, because the scheme launched only in February 2026 and does not yet have a developed 3-year or 5-year record. The main trade-off is that investors may get a portfolio with meaningful debt and equity blending, but they must accept that the fund’s real-world behaviour is still being established.

Tax and exit load

Holding period	Tax rate	Description
Units held less than 1 year	20%	Short-term capital gains tax
Units held more than 1 year	12.5%	Long-term capital gains tax

Exit load

1% if units are sold on or before 180 days. No exit load applies after 180 days.

Source data date: as of 18 Sep 2026

Frequently asked questions

What is the current NAV of The Wealth Company Balanced Advantage Fund Direct Growth Plan?

The current NAV is ₹10.0556 as of 18 Sep 2026.

How has the fund performed over 1 year, 3 years and 5 years?

Its 1-year, 3-year and 5-year returns are 0%, 0% and 0%.

How does it compare with the benchmark?

Over 1M and 3M, the fund has been less negative than the Nifty 50 benchmark. The benchmark returns are -3.73% for 1M and -3.14% for 3M, compared with the fund’s -1.51% and -0.35%.

Who manages the fund?

The fund is managed by Aparna Shanker, Umesh Sharma and Varun Nanavati.

What is the minimum SIP amount?

The minimum SIP amount is not stated here, so we are not listing one.

What is the exit load and risk profile?

The fund is tagged High Risk, and the exit load is 1% if units are sold on or before 180 days. No exit load applies after 180 days.

Bottom line

This is a newly launched High Risk fund whose short-term returns have been soft, though still less negative than the benchmark over the same recent windows. Its longer-term return history is not yet established, so the main evidence today comes from portfolio structure rather than an extended track record.

The portfolio starts with a noticeable set of debt-heavy exposures and then broadens into equities, while the visible top holdings account for 35.05% of assets across 56 disclosed positions. For investors comfortable with an early-stage scheme and a longer horizon, the key question is less about past consistency and more about whether this blend fits their risk tolerance.

Published on 21 September 2026 at 10:10 AM IST

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RIA disclosure

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.