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

WOC Balanced Advantage Fund Direct Growth Plan has a NAV of ₹15.492 as of 17 Sep 2026 and an AUM of ₹2,302 Cr. Its 1-year, 3-year and 5-year returns are 2.61%, 11.27% and 0% respectively, and the scheme is tagged as High Risk. Our view is that the fund has shown a mixed return profile: the medium-term figure is stronger than the latest one-year result, while the longer trail is too short to show a full five-year history given the 2023 launch.

That makes it more suitable for investors who can accept sharp swings and want a hybrid allocation with active shifts rather than a simple steady-return profile. The benchmark comparison also matters: the fund has recently held up better than Nifty 50 over the same periods, but the long-term story still needs more time to build.

Quick facts

Particular	Details
NAV	₹15.492 as of 17 Sep 2026
AUM	₹2,302 Cr
Expense Ratio	0.57%
Launch Date	10 Feb 2023
Min SIP	₹100
Risk Category	High Risk
Benchmark	Nifty 50
Fund Category	Hybrid
Exit Load	NIL upto 10% of units and 1% for remaining units on or before 30D, NIL after 30D
Fund Managers	Ramesh Mantri, Trupti Agrawal, Piyush Baranwal, Dheeresh Pathak

The fund is managed by Ramesh Mantri, Trupti Agrawal, Piyush Baranwal and Dheeresh Pathak.

Source data date: as of 17 Sep 2026

Performance

Period	Fund return	Benchmark return
1M	-1.64%	-3.66%
3M	1.98%	-3.71%
1Y	2.61%	-7.13%
3Y	11.27%	5.82%
5Y	Data not available	Data not available

The recent pattern is steadier than the benchmark. Over 1 month, the fund declined less than Nifty 50, and over 3 months it posted a positive return while the benchmark stayed negative. That kind of relative resilience matters for a balanced-advantage strategy because it suggests the portfolio has been able to cushion some short-term market weakness.

The 1-year figure is modest, but it still stands well above the benchmark’s negative 1-year return. The 3-year return is more important for this scheme because it has been live only since February 2023, and there the fund has compounded ahead of Nifty 50 by a meaningful margin. The comparison says more about process and allocation control than about smoothness: the path has not been linear, but the end result over 3 years has been better than the benchmark.

The 5-year row should be read as unavailable for a fund that launched in 2023, so it does not help judge long-run consistency. Taken together, the numbers suggest a fund that has done better in the more relevant medium-term window than in the latest 1-year snapshot, while still showing some ability to defend against weaker market phases.

Source data date: as of 17 Sep 2026

Should you BUY or HOLD WOC 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
WOC Balanced Advantage Fund Direct Growth Plan	2.61%	11.27%	Data not available
Unifi Dynamic Asset Allocation Fund Direct Growth Plan	8.6%	Data not available	Data not available
Aditya Birla SL Balanced Advantage Fund Direct Growth Plan	5.17%	10.96%	9.97%
Baroda BNP Paribas Balanced Advantage Fund Direct Growth Plan	4.23%	11.11%	10.62%
360 ONE Balanced Hybrid Fund Direct Growth Plan	3.64%	Data not available	Data not available
Bank of India Balanced Advantage Fund Direct Growth Plan	3.62%	8.24%	10.21%

This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639. On the latest 1-year figure, the fund trails the stronger peer readings shown above, especially the 8.6% and 5.17% results. The picture changes on the 3-year side: its 11.27% return is ahead of the available 3-year peer figures listed here, which points to a stronger medium-term record than recent one-year momentum.

That split matters. The peer set suggests the fund has not been the fastest in the short run, but its 3-year compounding has held up better than the peers with available longer-term numbers. So the comparison tells two different stories: weaker recent performance versus a firmer medium-term track.

Source data date: as of 17 Sep 2026

Portfolio: where your money goes

Holding	Sector	Weight
ICICI Bank Limited	Bank	7.1%
Net Receivables / (Payables)	Cash & Cash Equivalents and Net Assets	5.87%
HDFC Bank Limited	Bank	3.33%
Clearing Corporation of India Ltd	Cash & Cash Equivalents and Net Assets	3.25%
Bharti Airtel Limited	Telecom	2.9%
Embassy Office Parks Reit	Finance	2.79%
Coforge Limited	IT	2.75%
Nexus Select Trust – Reit	Finance	2.66%
Nestle India Limited	FMCG	2.3%
Mahindra & Mahindra Limited	Automobile & Ancillaries	2.11%

The largest disclosed holding, ICICI Bank Limited, is 7.1%, which is large enough to matter without dominating the visible portfolio on its own. The next few positions step down fairly quickly, with HDFC Bank Limited at 3.33% and the tenth holding, Mahindra & Mahindra Limited, at 2.11%. That gap suggests the fund spreads risk across several names rather than leaning on one or two oversized positions.

The top 10 holdings account for approximately 35.06% of the portfolio, and there are 57 disclosed holdings in total. That combination points to a fairly extended tail of smaller positions beyond the visible top slice. The listed holdings therefore may have meaningfully different influences, but the portfolio does not look narrowly confined to just a handful of stocks.

The presence of cash and cash-equivalent items among the larger disclosed positions may also affect day-to-day behaviour. In a balanced-advantage structure, that kind of mix can help the fund adjust exposure as conditions change, although the exact impact will depend on how the rest of the portfolio is managed outside the top holdings shown here.

To see all holdings, visit the WOC Balanced Advantage Fund Direct Growth Plan page

Source data date: as of 17 Sep 2026

Who should invest

This fund fits investors who can handle High Risk and want a hybrid allocation with a medium-term horizon in mind. The 1-year result has been modest, but the 3-year record is stronger and sits ahead of the benchmark, so the fund makes more sense for someone who can tolerate uneven shorter-term moves while focusing on a longer holding period.

The main trade-off is that the portfolio may not deliver smooth month-to-month progress, yet it has shown the ability to hold up better than the benchmark in weaker periods. Investors who prefer stability over variation may find that uncomfortable, while those looking for a balanced-advantage approach with active shifts between holdings may find the profile more relevant.

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: NIL upto 10% of units and 1% for remaining units on or before 30D, NIL after 30D.

Source data date: as of 17 Sep 2026

Frequently asked questions

What is the current NAV of WOC Balanced Advantage Fund Direct Growth Plan?
Its current NAV is ₹15.492 as of 17 Sep 2026.

What are the fund’s 1-year, 3-year and 5-year returns?
The fund’s 1-year return is 2.61%, the 3-year return is 11.27% and the 5-year return is Data not available.

How does the fund compare with Nifty 50?
It has done better than Nifty 50 over the recent 1-month, 3-month, 1-year and 3-year periods shown here. The 3-year gap is the clearest sign of relative strength.

How does it compare with the peer funds listed here?
Its 1-year return trails several peers in the table, but its 3-year return is stronger than the available 3-year peer figures shown here. That gives it a mixed short-term and stronger medium-term picture.

What is the minimum SIP amount?
The minimum SIP amount is ₹100.

Who manages the fund and what is the exit load?
The fund is managed by Ramesh Mantri, Trupti Agrawal, Piyush Baranwal and Dheeresh Pathak. The exit load is NIL upto 10% of units and 1% for remaining units on or before 30D, with NIL after 30D.

Bottom line

WOC Balanced Advantage Fund Direct Growth Plan shows a split picture: the latest 1-year return is modest, but the 3-year outcome is stronger and sits ahead of the benchmark. Against peers, the short-term reading looks softer, while the medium-term result looks sturdier. The portfolio is led by a 7.1% ICICI Bank position and then spreads into a broad set of holdings, which may support a more balanced profile. It suits investors who can accept High Risk and want a longer view rather than relying on recent momentum.

Published on 18 September 2026 at 10:41 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.