Bank of India Balanced Advantage Fund · Regular · Growth
NAV
₹25.3868
as of 29 Sept 2026
Expense Ratio
2.64%
AUM
₹156 Cr
Lumpsum returns (CAGR)
- 1Y
- +2.97%
- 3Y
- +7.42%
- 5Y
- +9.03%
- Since Inception
- +7.71%
SIP returns (XIRR)
- 1Y
- -1.32%
- 3Y
- +3.30%
- 5Y
- +6.97%
- Since Inception
- +7.19%
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 (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,77,496 today — ₹6,00,000 invested, 7.4% XIRR.
₹6,00,000
Invested
₹8,77,496
Value today
7.4%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,88,391 today (6.5% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹10,06,412.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹2,04,592 today (2.05×).
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, annualised0.15
Sharpe Ratio
—
Alpha
—
Beta
0.16
Sortino
8.40%
Std Dev
-5.84%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks10.37%
- Power4.57%
- Finance3.95%
- Petroleum Products3.82%
- Automobiles3.65%
- IT - Software3.19%
- Pharmaceuticals & Biotechnology2.49%
- Non - Ferrous Metals2.26%
- Telecom - Services2.11%
- Diversified FMCG1.96%
- Transport Infrastructure1.91%
- Consumer Durables1.89%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Reliance Industries Limited3.82%
- 2Icici Bank Limited3.81%
- 3Irb Invit Fund3.55%
- 47.68% National Bank For Agriculture And Rural Development (30/04/2029) **2.84%
- 57.47% Small Industries Dev Bank Of India (05/09/2029) **2.83%
- 66.27% Power Finance Corporation Limited (15/07/2027)2.82%
- 7Small Industries Dev Bank Of India (20/08/2027) ** #2.65%
- 8364 Days Tbill (Md 28/05/2027)2.46%
- 97.37% Indian Railway Finance Corporation Limited (31/07/2029) **2.27%
- 10Punjab National Bank (12/03/2027) #2.20%
What this fund does
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 ₹156 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 2.64%.