Bank of India Balanced Advantage Fund

Q: What are the returns of this mutual fund scheme?

The Bank of India Balanced Advantage Fund is a 11 yrs 11 m old fund and has delivered average annual returns of 8.1% since inception. Bank of India Balanced Advantage Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 8.55% 10.58% 10.01% 7.58% 8.1%

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹25.3187-1.01% 1 day change	8.1% p.a.	App exclusive #NA View Ranked Funds	₹146 Cr

Historical NAV & returns

NAV: ₹25.3187 as on Feb 02, 2026

This fund Category average

Bank of India Balanced Advantage Fund overview

AUM (Fund size)	₹146 Cr
Exit load	1.0% Exit load of 1%, if redeemed within 3 months.!
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
Expense ratio	2.51% as on Feb 02, 2026
Plan type	Regular
Risk	Very High

Bank of India Balanced Advantage Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Feb 03, 2026

Period	This fund	Category average
1 Month	-2.88%	-2.78%
3 Months	-1.07%	-2.21%
6 Months	2.83%	0.4%
1 Year	8.55%	5.64%
2 Years	5.17%	6.8%
3 Years	10.58%	11.19%
4 Years	11.26%	9.03%
5 Years	10.01%	9.51%
7 Years	7.96%	10.25%
10 Years	7.58%	9.99%

Asset allocationas on Dec 31, 2025

Large Cap 69.23%

Mid Cap 0.27%

Small Cap 0%

Other Cap 0%

Top holdings

Reliance Industries Ltd.5.64%

ICICI Bank Ltd.4.77%

HDFC Bank Ltd.4.09%

State Bank of India3.49%

Top sectors

Financial 20.439999999999998%

Energy 9.859999999999998%

Consumer Staples 6.44%

Metals & Mining 5.380000000000001%

AAA 9.71%

SOV 6.08%

Cash & Call Money 4.41%

AA 2.74%

Top Debt Holdings

National Bank For Agriculture & Rural Development 3.48%

Small Industries Devp. Bank of India Ltd. 3.46%

Reserve Bank of India 3.3%

GOI 2.78%

Allocation by Instruments

Non Convertible Debenture 7.250000000000001%

Infrastructure Investment Trust 5.82%

Debenture 3.48%

Repo 3.48%

Other Holdings

IRB InvIT Fund 4.09%

IndiGrid Infrastructure Trust 1.73%

Others 0.93%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bank of India Balanced Advantage Fund	-2.88%	2.83%	8.55%	10.58%	10.01%	7.58%
ICICI Prudential Balanced Advantage Fund	-2.3%	3.64%	10.16%	13.1%	11.69%	11.91%
Franklin India Dynamic Asset Allocation Active FoF	-2.57%	-0.02%	5.51%	12.65%	14.0%	10.49%
Axis Balanced Advantage Fund	-2.62%	1.83%	5.74%	13.92%	10.53%	7.71%
Tata Balanced Advantage Fund	-2.85%	1.02%	5.5%	10.42%	9.73%	7.47%
DSP Dynamic Asset Allocation Fund	-1.4%	2.34%	8.1%	12.24%	8.8%	9.47%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bank of India Balanced Advantage Fund	9.0	0.92	0.55	0.93
ICICI Prudential Balanced Advantage Fund	5.47	0.56	1.22	1.74
Franklin India Dynamic Asset Allocation Active FoF	6.27	0.63	1.01	1.53
Axis Balanced Advantage Fund	7.26	0.73	1.06	1.73
Tata Balanced Advantage Fund	6.51	0.68	0.67	0.99
DSP Dynamic Asset Allocation Fund	5.63	0.55	1.04	2.05

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bank of India Balanced Advantage Fund	N.A.	146 Cr	11 yrs 11 m	2.51%
ICICI Prudential Balanced Advantage Fund	N.A.	70,535 Cr	19 yrs 2 m	1.43%
Franklin India Dynamic Asset Allocation Active FoF	N.A.	1,301 Cr	22 yrs 3 m	2.14%
Axis Balanced Advantage Fund	N.A.	3,816 Cr	8 yrs 6 m	1.91%
Tata Balanced Advantage Fund	N.A.	9,691 Cr	7 yrs	1.73%
DSP Dynamic Asset Allocation Fund	N.A.	3,709 Cr	12 yrs	1.88%

View all Dynamic Asset Allocation funds

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

Alpha	-1.34 vs. 3.26 Underperformed at beating benchmark
Sharpe	0.55 vs. 3.04 Poor risk-adjusted returns
Beta	0.92 vs. 0.68 More sensitive to market's ups & downs
Standard deviation	9.0 vs. 5.55 More volatile performance

Compare Bank of India Balanced Advantage Fund in detail with

About this fund

About Bank of India Balanced Advantage Fund

Bank of India Balanced Advantage Fund is a Dynamic Asset Allocation mutual fund scheme from Bank Of India Mutual Fund. This fund has been in existence for 11 yrs 11 m, having been launched on 21/02/2014. Bank of India Balanced Advantage Fund has ₹146 Crores worth of assets under management (AUM) as on 31/12/2025 and is small fund of its category. The latest Net Asset Value (NAV) of Bank of India Balanced Advantage Fund as of 02/02/2026 is ₹25.32. The fund has an expense ratio of 2.51%, which is higher than what most other Dynamic Asset Allocation funds charge. Currently, the fund has a 69.50% allocation to equity and 20.27% to Debt.

Bank of India Balanced Advantage Fund returns of last 1-year are 7.55%. Since launch, it has delivered 8.12% average annual returns. The fund has doubled the money invested in it every 6 yrs.
Bank of India Balanced Advantage Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is below average.
The fund's equity portion is primarily invested in Financial, Energy, Consumer Staples, Construction, Metals & Mining sectors. It has taken less exposure in Financial, Energy sectors compared to other funds in the category.
The debt portion of the fund has low credit quality indicating the quality of borrowers it has lent it to is not too great.
The fund's top 5 holdings are in Reliance Industries Ltd., ICICI Bank Ltd., HDFC Bank Ltd., IRB InvIT Fund, State Bank of India.

...

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

Fund managers

Alok Singh

Mr. Singh is a CFA and PGDBA from ICFAI Business School. Prior to joining Bank of India AMC he has worked with BNP Paribas Asset Management and Axis Bank

Investment objective

The scheme aims at providing long term capital appreciation / income from a dynamic mix of equity and debt investments.

Bank of India Mutual Fund details

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

More funds from Bank of India Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
Bank of India Mid & Small Cap Equity & Debt Fund	N.A.	1,349 Cr	6.05%	18.28%
Bank of India Conservative Hybrid Fund	N.A.	65 Cr	4.09%	9.95%
Bank of India Arbitrage Fund	N.A.	43 Cr	5.83%	4.95%
Bank of India Multi Asset Allocation Fund	N.A.	344 Cr	12.59%	N.A.

See all Hybrid funds from this AMC

Frequently asked questions

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

The current Net Asset Value (NAV) of the Bank of India Balanced Advantage Fund plan is approximately ₹25.3187 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The Bank of India Balanced Advantage Fund is a 11 yrs 11 m old fund and has delivered average annual returns of 8.1% since inception.

Bank of India Balanced Advantage Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
8.55%	10.58%	10.01%	7.58%	8.1%

How much does this mutual fund charge as expense ratio?

The Bank of India Balanced Advantage Fund has an expense ratio of 2.51%, 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.

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

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.

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

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%

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

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

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%

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

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%

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

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

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

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

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

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

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

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

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.

ET Money rank

App exclusive

in Dynamic Asset Allocation

#NA

Return Outperformance: This fund has generated highest return amongst Dynamic Asset Allocation funds in the last 5 Years.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load of 1%, if redeemed within 3 months.