Bank of India Balanced Advantage Fund · Regular · Growth
NAV
₹26.2962
as of 31 Jul 2026
Expense Ratio
2.51%
AUM
₹150 Cr
Lumpsum returns (CAGR)
- 1Y
- +6.85%
- 3Y
- +8.79%
- 5Y
- +10.34%
- Since Inception
- +8.12%
SIP returns (XIRR)
- 1Y
- +6.47%
- 3Y
- +6.54%
- 5Y
- +9.01%
- Since Inception
- +7.89%
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 —.
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹9,08,680 today — ₹5,95,000 invested, 8.3% XIRR.
₹5,95,000
Invested
₹9,08,680
Value today
8.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,96,949 today (7.0% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹10,60,807.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹2,11,921 today (2.12×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised0.20
Sharpe Ratio
—
Alpha
—
Beta
0.21
Sortino
8.97%
Std Dev
-5.84%
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 ₹150 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