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 7 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 -3.74% 11.06% 10.98% 7.0% 8.1%

NAV as of Sep 29, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹24.6556+0.04% 1 day change	8.1% p.a.	App exclusive #NA View Ranked Funds	₹139 Cr

Historical NAV & returns

NAV: ₹24.6556 as on Sep 29, 2025

This fund Category average

Bank of India Balanced Advantage Fund overview

AUM (Fund size)	₹139 Cr
Exit load	1.0% Exit load of 1%, if redeemed within 3 months.!
Lock-in Period	Nil
Age	11 yrs 7 m since Feb 21, 2014
Benchmark	NIFTY 50 Hybrid Composite Debt 50:50 Index
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	2.47% as on Aug 31, 2025
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 Sep 30, 2025

Period	This fund	Category average
1 Month	0.49%	0.18%
3 Months	-2.02%	-1.54%
6 Months	4.81%	4.8%
1 Year	-3.74%	-0.38%
2 Years	9.87%	11.85%
3 Years	11.06%	12.13%
4 Years	10.6%	9.55%
5 Years	10.98%	13.06%
7 Years	7.72%	10.46%
10 Years	7.0%	9.96%

Asset allocationas on Aug 31, 2025

Large Cap 67.36%

Mid Cap 1.17%

Small Cap 0%

Other Cap 0%

Top holdings

ICICI Bank Ltd.5.24%

Reliance Industries Ltd.5.15%

HDFC Bank Ltd.4.15%

ITC Ltd.3.55%

Top sectors

Financial 20.01%

Energy 10.23%

Consumer Staples 5.25%

Technology 4.69%

AAA 10.29%

SOV 7.99%

Cash & Call Money 5.38%

A1+ 3.59%

Top Debt Holdings

GOI 4.58%

National Bank For Agriculture & Rural Development 3.69%

Small Industries Devp. Bank of India Ltd. 3.67%

AU Small Finance Bank Ltd. 3.59%

Allocation by Instruments

Non Convertible Debenture 4.7700000000000005%

GOI Securities 4.58%

Repo 4.33%

Debenture 3.69%

Other Holdings

IndiGrid Infrastructure Trust 1.79%

Others 1.05%

IRB InvIT Fund 0.59%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bank of India Balanced Advantage Fund	0.49%	4.81%	-3.74%	11.06%	10.98%	7.0%
ICICI Prudential Balanced Advantage Fund	0.42%	7.77%	4.65%	13.27%	14.6%	11.19%
Tata Balanced Advantage Fund	0.31%	3.61%	-1.39%	10.81%	12.43%	7.33%
Franklin India Dynamic Asset Allocation Active FoF	-0.06%	4.38%	1.29%	13.41%	18.55%	10.16%
Nippon India Balanced Advantage Fund	0.73%	5.31%	1.14%	12.4%	13.79%	10.55%
Axis Balanced Advantage Fund	0.82%	3.38%	-0.19%	13.76%	13.1%	7.52%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bank of India Balanced Advantage Fund	9.77	0.96	0.32	0.62
ICICI Prudential Balanced Advantage Fund	5.54	0.55	1.06	1.62
Tata Balanced Advantage Fund	6.59	0.67	0.55	0.88
Franklin India Dynamic Asset Allocation Active FoF	6.49	0.63	0.95	1.5
Nippon India Balanced Advantage Fund	7.02	0.71	0.69	1.08
Axis Balanced Advantage Fund	7.64	0.75	0.78	1.32

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bank of India Balanced Advantage Fund	N.A.	139 Cr	11 yrs 7 m	2.47%
ICICI Prudential Balanced Advantage Fund	N.A.	65,711 Cr	18 yrs 10 m	1.44%
Tata Balanced Advantage Fund	N.A.	10,227 Cr	6 yrs 8 m	1.71%
Franklin India Dynamic Asset Allocation Active FoF	N.A.	1,288 Cr	21 yrs 11 m	2.01%
Nippon India Balanced Advantage Fund	N.A.	9,317 Cr	20 yrs 11 m	1.74%
Axis Balanced Advantage Fund	N.A.	3,489 Cr	8 yrs 2 m	1.92%

View all Dynamic Asset Allocation funds

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

Alpha	-2.16 vs. 2.64 Underperformed at beating benchmark
Sharpe	0.32 vs. 2.91 Poor risk-adjusted returns
Beta	0.96 vs. 0.65 More sensitive to market's ups & downs
Standard deviation	9.77 vs. 5.63 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 7 m, having been launched on 21/02/2014. Bank of India Balanced Advantage Fund has ₹139 Crores worth of assets under management (AUM) as on 31/08/2025 and is small fund of its category. The latest Net Asset Value (NAV) of Bank of India Balanced Advantage Fund as of 29/09/2025 is ₹24.66. The fund has an expense ratio of 2.47%, which is higher than what most other Dynamic Asset Allocation funds charge. Currently, the fund has a 68.53% allocation to equity and 23.71% to Debt.

Bank of India Balanced Advantage Fund returns of last 1-year are -4.56%. Since launch, it has delivered 8.12% average annual returns. The fund has doubled the money invested in it every 10 yrs.
Bank of India Balanced Advantage Fund scheme's ability to deliver returns consistently is lower than 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, Technology, 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 ICICI Bank Ltd., Reliance Industries Ltd., GOI, HDFC Bank Ltd., National Bank For Agriculture & Rural Development.

...

Fund AUM	139 Cr as on Aug 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	12,458 Cr as on Jun 30, 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.	1,253 Cr	-4.67%	21.98%
Bank of India Conservative Hybrid Fund	N.A.	67 Cr	2.35%	10.89%
Bank of India Arbitrage Fund	N.A.	46 Cr	6.07%	4.63%

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 ₹24.6556 as of Sep 29, 2025.

What are the returns of this mutual fund scheme?

The Bank of India Balanced Advantage Fund is a 11 yrs 7 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
-3.74%	11.06%	10.98%	7.0%	8.1%

How much does this mutual fund charge as expense ratio?

The Bank of India Balanced Advantage Fund has an expense ratio of 2.47%, 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 139 Cr as on Aug 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
ICICI Bank Ltd.	5.24%
Reliance Industries Ltd.	5.15%
HDFC Bank Ltd.	4.15%
ITC Ltd.	3.55%
State Bank of India	3.01%
Bharti Airtel Ltd.	2.78%
Adani Ports and Special Economic Zone Ltd.	1.99%
NTPC Ltd.	1.87%
Larsen & Toubro Ltd.	1.81%
Vedanta Ltd.	1.49%

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	20.01%
Energy	10.23%
Consumer Staples	5.25%
Technology	4.69%
Metals & Mining	4.47%
Services	4.23%
Automobile	4.22%
Healthcare	3.1500000000000004%
Construction	2.9000000000000004%
Communication	2.78%

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
GOI	4.58%
National Bank For Agriculture & Rural Development	3.69%
Small Industries Devp. Bank of India Ltd.	3.67%

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	10.29%
SOV	7.99%
Cash & Call Money	5.38%

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.