Bank of India Balanced Advantage Fund · Regular · Growth
NAV
₹25.9747
as of 17 Jun 2026
Expense Ratio
2.51%
AUM
₹145 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.23%
- 3Y
- +9.82%
- 5Y
- +10.17%
- Since Inception
- +8.10%
SIP returns (XIRR)
- 1Y
- +5.40%
- 3Y
- +6.45%
- 5Y
- +8.98%
- Since Inception
- +7.84%
Returns calculated from 14 March 2014 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
SIP since inception — what ₹500/month became
Real NAV backtest from day one
₹73,500
Invested
₹1,17,716
Value today
7.4%
XIRR (p.a.)
₹500/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹1,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹1,000
Invested
₹2,529
Value today
7.9%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹7,35,000
Withdrawn
₹13,51,742
Corpus left
+₹10,86,742 net gain — withdrew ₹7,35,000 AND corpus grew
Plan your SWP with real NAV₹6L corpus via 12-month STP from a liquid fund at inception
₹50K/month transferred from HDFC Liquid → this fund at launch
₹6,00,000
Invested
₹14,04,179
Value today
-7.5%
vs lumpsum
Direct lumpsum would have beaten STP by 7.5% — but STP reduced timing risk
Model your own STP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹2,03,804
Value today
2.0×
Multiple
Staying invested through that crash turned ₹1L into ₹2,03,804 — a 2.0× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised-0.05
Sharpe Ratio
—
Alpha
—
Beta
-0.05
Sortino
9.31%
Std Dev
-7.50%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Apr 2026- Banks12.00%
- Power6.00%
- Petroleum Products5.00%
- Automobiles4.00%
- Finance4.00%
- IT - Software4.00%
- Telecom - Services3.00%
- Diversified FMCG3.00%
- Pharmaceuticals & Biotechnology2.00%
- Ferrous Metals2.00%
- Food Products2.00%
- Consumer Durables2.00%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1Reliance Industries Limited4.93%
- 2Irb Invit Fund3.81%
- 3Icici Bank Limited3.81%
- 47.68% National Bank For Agriculture And Rural Development (30/04/2029)3.27%
- 57.47% Small Industries Dev Bank Of India (05/09/2029) **3.25%
- 6Hdfc Bank Limited3.05%
- 7364 Days Tbill (Md 11/06/2026)2.89%
- 87.37% Indian Railway Finance Corporation Limited (31/07/2029) **2.61%
- 9Bharti Airtel Limited2.53%
- 10State Bank Of India2.31%
Investment Objective
Bank of India Balanced Advantage Fund · Regular · Growth by Bank of India Mutual Fund is a Dynamic Asset Allocation fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Dynamic Asset Allocation category.
About This Fund
Bank of India Balanced Advantage Fund · Regular · Growth is a Dynamic Asset Allocation mutual fund offered by Bank of India Mutual Fund. The fund has been operational for over 12 years. It manages assets worth ₹145 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY 50 Hybrid Composite Debt 50:50 Index. The current expense ratio is 2.51%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations