Question 1

What is the current NAV of Bank of India Balanced Advantage Fund Direct-Growth?

Accepted Answer

The current Net Asset Value (NAV) of the Bank of India Balanced Advantage Fund - Direct Growth plan is approximately ₹27.5302 as of Feb 02, 2026.

Question 2

What are the returns of this mutual fund scheme?

Accepted Answer

The Bank of India Balanced Advantage Fund Direct-Growth is a 11 yrs 11 m old fund and has delivered average annual returns of 8.86% since inception.

Bank of India Balanced Advantage Fund Direct-Growth Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
9.86%	11.71%	11.03%	8.41%	8.86%

Question 3

How much does this mutual fund charge as expense ratio?

Accepted Answer

The Bank of India Balanced Advantage Fund - Direct Growth has an expense ratio of 1.35%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

Question 4

What is the AUM or fund size of this mutual fund?

Accepted Answer

The Bank of India Balanced Advantage Fund currently has assets under management (AUM) or fund size valued at approximately 146 Cr as on Dec 31, 2025.

Question 5

What are the top stock holdings of Bank of India Balanced Advantage Fund?

Accepted Answer

The Bank of India Balanced Advantage Fund's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
Reliance Industries Ltd.	5.64%
ICICI Bank Ltd.	4.77%
HDFC Bank Ltd.	4.09%
State Bank of India	3.49%
ITC Ltd.	3.3%
Bharti Airtel Ltd.	2.94%
Shriram Finance Ltd	2.26%
Adani Ports and Special Economic Zone Ltd.	2.12%
Vedanta Ltd.	2.02%
Larsen & Toubro Ltd.	1.94%

Question 6

What are the top sectors Bank of India Balanced Advantage Fund has invested in?

Accepted Answer

The Bank of India Balanced Advantage Fund's equity portion is primarily invested in the following sectors -

Company	Percentage of Portfolio
Reliance Industries Ltd.	5.64%
ICICI Bank Ltd.	4.77%
HDFC Bank Ltd.	4.09%
State Bank of India	3.49%
ITC Ltd.	3.3%
Bharti Airtel Ltd.	2.94%
Shriram Finance Ltd	2.26%
Adani Ports and Special Economic Zone Ltd.	2.12%
Vedanta Ltd.	2.02%
Larsen & Toubro Ltd.	1.94%

Question 7

To whom does Bank of India Balanced Advantage Fund lend to?

Accepted Answer

The top 3 debt holdings of Bank of India Balanced Advantage Fund are as follows

Holding Name	Percentage of Portfolio
National Bank For Agriculture & Rural Development	3.48%
Small Industries Devp. Bank of India Ltd.	3.46%
Reserve Bank of India	3.3%

Question 8

What is the quality of borrowers this mutual fund scheme lends to?

Accepted Answer

The credit rating of the instruments in which the fund invests represents the quality of the borrower. The Bank of India Balanced Advantage Fund's debt portion's allocation by credit quality is given below

Holding Name	Percentage of Portfolio
National Bank For Agriculture & Rural Development	3.48%
Small Industries Devp. Bank of India Ltd.	3.46%
Reserve Bank of India	3.3%

Question 9

What is risk level of Bank of India Balanced Advantage Fund?

Accepted Answer

This is a Dynamic Asset Allocation fund comes with Very High risk.

Question 10

Is there any lock-in period in this mutual fund?

Accepted Answer

No, this fund does not have any lock-in period.

Question 11

How do I invest in Bank of India Balanced Advantage Fund Direct-Growth?

Accepted Answer

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. The whole process takes just a few minutes. Here's how it works:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for Bank of India Balanced Advantage Fund - Direct Growth, select your investment mode (lump sum or SIP), and enter the investment amount.
Provide the required details, including the bank account you'll use for payment, and confirm your investment.

That's it. Your investment in the Bank of India Balanced Advantage Fund is complete.

Question 12

How can I redeem my investments in Bank of India Balanced Advantage Fund?

Accepted Answer

Redeeming your investments in the Bank of India Balanced Advantage Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

Expense ratio	1.35% as on Feb 02, 2026
Exit load	1.0% Exit load of 1%, if redeemed within 3 months.!
AUM (Fund size)	₹146 Cr
Lock-in Period	Nil
Age	11 yrs 11 m since Feb 21, 2014
Benchmark	NIFTY 50 Hybrid Composite Debt 50:50 Index
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Risk	Very High

Period	This fund	Category average
1 Month	-2.79%	-2.65%
3 Months	-0.75%	-1.91%
6 Months	3.51%	0.94%
1 Year	9.86%	7.37%
2 Years	6.36%	8.39%
3 Years	11.71%	12.8%
4 Years	12.4%	10.58%
5 Years	11.03%	11.06%
7 Years	8.87%	11.75%
10 Years	8.41%	11.43%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bank of India Balanced Advantage Fund	-2.79%	3.51%	9.86%	11.71%	11.03%	8.41%
ICICI Prudential Balanced Advantage Fund	-2.27%	3.93%	10.79%	13.78%	12.38%	12.81%
Tata Balanced Advantage Fund	-2.76%	1.66%	6.85%	11.92%	11.34%	8.65%
Franklin India Dynamic Asset Allocation Active FoF	-2.5%	0.44%	6.48%	13.68%	15.08%	11.61%
Axis Balanced Advantage Fund	-2.55%	2.46%	7.03%	15.29%	11.92%	8.95%
Nippon India Balanced Advantage Fund	-2.65%	1.8%	7.5%	13.28%	12.08%	12.93%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bank of India Balanced Advantage Fund	9.0	0.92	0.66	1.12
ICICI Prudential Balanced Advantage Fund	5.48	0.56	1.33	1.89
Tata Balanced Advantage Fund	6.53	0.68	0.88	1.27
Franklin India Dynamic Asset Allocation Active FoF	6.27	0.63	1.16	1.75
Axis Balanced Advantage Fund	7.25	0.73	1.23	1.99
Nippon India Balanced Advantage Fund	6.86	0.72	1.01	1.45

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bank of India Balanced Advantage Fund	N.A.	146 Cr	11 yrs 11 m	1.35%
ICICI Prudential Balanced Advantage Fund	N.A.	70,535 Cr	13 yrs 1 m	0.86%
Tata Balanced Advantage Fund	N.A.	9,691 Cr	7 yrs	0.51%
Franklin India Dynamic Asset Allocation Active FoF	N.A.	1,301 Cr	13 yrs 1 m	1.25%
Axis Balanced Advantage Fund	N.A.	3,816 Cr	8 yrs 6 m	0.73%
Nippon India Balanced Advantage Fund	N.A.	9,725 Cr	13 yrs 1 m	0.56%

Bank of India Balanced Advantage Fund Direct-Growth

Historical NAV & returns

Bank of India Balanced Advantage Fund overview

Bank of India Balanced Advantage Fund Returns calculator

Trailing returns as on Feb 03, 2026

Asset allocationas on Dec 31, 2025

Peer comparison

Key risk & return ratios Compared to other funds in the category

About this fund

About Bank of India Balanced Advantage Fund

Fund managers

Investment objective

Bank of India Mutual Fund details

More funds from Bank of India Mutual Fund

Frequently asked questions

Bank of India Balanced Advantage Fund Direct-Growth Returns

ET Money rank

Alpha	-0.31 vs. 3.91 Underperformed at beating benchmark
Sharpe	0.66 vs. 3.7 Poor risk-adjusted returns
Beta	0.92 vs. 0.78 More sensitive to market's ups & downs
Standard deviation	9.0 vs. 5.56 More volatile performance

Fund AUM	146 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

No. of schemes	21 view all schemes
Total AUM	13,871 Cr as on Dec 31, 2025
Address	B/204-Tower 1, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai, 400013
Email	service@boiaxa-im.com

Fund name	ETM Rank	AUM	1Y	5Y
Bank of India Mid & Small Cap Equity & Debt Fund	N.A.	1,349 Cr	7.48%	19.56%
Bank of India Conservative Hybrid Fund	N.A.	65 Cr	5.02%	10.68%
Bank of India Arbitrage Fund	N.A.	43 Cr	6.34%	5.52%
Bank of India Multi Asset Allocation Fund	N.A.	344 Cr	13.82%	N.A.

Sector	Percentage of Portfolio
Financial	20.439999999999998%
Energy	9.859999999999998%
Consumer Staples	6.44%
Metals & Mining	5.380000000000001%
Technology	4.8%
Automobile	4.59%
Services	4.05%
Communication	2.94%
Healthcare	2.8499999999999996%
Materials	2.37%

Credit Quality	Percentage of Portfolio
AAA	9.71%
SOV	6.08%
Cash & Call Money	4.41%