SBI Balanced Advantage Fund

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

The SBI Balanced Advantage Fund is a 4 yrs 2 m old fund and has delivered average annual returns of 11.47% since inception. SBI Balanced Advantage Fund Returns 1-Year 3-Year Since Inception 6.82% 14.11% 11.47%

Q: How much does this mutual fund charge as expense ratio?

The SBI Balanced Advantage Fund has an expense ratio of 1.56% , 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.

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹15.7289+0.72% 1 day change	11.47% p.a.	App exclusive #NA View Ranked Funds	₹37,457 Cr

Historical NAV & returns

NAV: ₹15.7289 as on Oct 20, 2025

This fund Category average

SBI Balanced Advantage Fund overview

AUM (Fund size)	₹37,457 Cr
Exit load	1.0% For units in excess of 10% of the investment,1% will be charged for redemption within 1 year.!
Lock-in Period	Nil
Age	4 yrs 2 m since Aug 12, 2021
Benchmark	NIFTY 50 Hybrid Composite Debt 50:50 Index
Min. investment	SIP: ₹500 & Lumpsum: ₹5000
Expense ratio	1.56% as on Sep 30, 2025
Plan type	Regular
Risk	Very High

SBI 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 Oct 17, 2025

Period	This fund	Category average
1 Month	2.62%	2.11%
3 Months	2.8%	2.3%
6 Months	5.81%	6.06%
1 Year	6.82%	5.89%
2 Years	14.75%	14.34%
3 Years	14.11%	12.61%
4 Years	11.37%	10.06%

Asset allocationas on Sep 30, 2025

Large Cap 42.87%

Mid Cap 7.27%

Small Cap 2.57%

Other Cap 0%

Top holdings

Reliance Industries Ltd.5.58%

HDFC Bank Ltd.5.03%

Tata Steel Ltd.2.56%

Bharti Airtel Ltd.2.53%

Top sectors

Financial 16.36%

Energy 14.800000000000002%

Automobile 6.39%

Consumer Staples 4.4399999999999995%

Cash 13.19312039%

AAA 13.18574346%

SOV 5.79949473%

AA+ 3.94795509%

Top Debt Holdings

GOI 5.18%

Cholamandalam Investment and Finance Company Ltd. 1.68%

National Bank For Agriculture & Rural Development 1.05%

Bajaj Finance Ltd. 1.02%

Allocation by Instruments

Cash Margin 13.19312039%

Debenture 11.49929283%

GOI Securities 5.17174985%

Bonds 4.135331089999999%

Other Holdings

Brookfield India Real Estate Trust REIT 1.29%

Embassy Office Parks REIT 0.94%

National Highways Infra Trust 0.84%

Others 0.61%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
SBI Balanced Advantage Fund	2.62%	5.81%	6.82%	14.11%	N.A.	N.A.
ICICI Prudential Balanced Advantage Fund	2.09%	7.76%	10.3%	13.59%	14.75%	11.22%
Franklin India Dynamic Asset Allocation Active FoF	1.71%	4.91%	6.0%	13.46%	18.46%	10.2%
Tata Balanced Advantage Fund	2.22%	5.3%	4.9%	11.27%	12.72%	7.62%
Nippon India Balanced Advantage Fund	1.56%	5.9%	7.11%	12.69%	13.88%	10.42%
Axis Balanced Advantage Fund	2.63%	5.04%	6.55%	14.41%	13.13%	7.86%

Fund name	Std. deviation	Beta	Sharpe	Sortino
SBI Balanced Advantage Fund	6.14	0.61	1.12	1.77
ICICI Prudential Balanced Advantage Fund	5.46	0.55	1.16	1.69
Franklin India Dynamic Asset Allocation Active FoF	6.43	0.63	1.02	1.55
Tata Balanced Advantage Fund	6.51	0.67	0.64	0.97
Nippon India Balanced Advantage Fund	6.93	0.72	0.81	1.21
Axis Balanced Advantage Fund	7.44	0.74	0.93	1.48

Fund name	ETM Rank	AUM	Fund age	Expense ratio
SBI Balanced Advantage Fund	N.A.	37,457 Cr	4 yrs 2 m	1.56%
ICICI Prudential Balanced Advantage Fund	N.A.	66,751 Cr	18 yrs 11 m	1.44%
Franklin India Dynamic Asset Allocation Active FoF	N.A.	1,285 Cr	22 yrs	2.08%
Tata Balanced Advantage Fund	N.A.	9,749 Cr	6 yrs 9 m	1.72%
Nippon India Balanced Advantage Fund	N.A.	9,480 Cr	21 yrs	1.75%
Axis Balanced Advantage Fund	N.A.	3,591 Cr	8 yrs 3 m	1.92%

View all Dynamic Asset Allocation funds

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

Alpha	2.87 vs. 3.23 Underperformed at beating benchmark
Sharpe	1.12 vs. 3.06 Poor risk-adjusted returns
Beta	0.61 vs. 0.66 Less sensitive to market ups & downs
Standard deviation	6.14 vs. 5.56 More volatile performance

Compare SBI Balanced Advantage Fund in detail with

About this fund

About SBI Balanced Advantage Fund

SBI Balanced Advantage Fund is a Dynamic Asset Allocation mutual fund scheme from Sbi Mutual Fund. This fund has been in existence for 4 yrs 2 m, having been launched on 12/08/2021. SBI Balanced Advantage Fund has ₹37,457 Crores worth of assets under management (AUM) as on 30/09/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of SBI Balanced Advantage Fund as of 20/10/2025 is ₹15.73. The fund has an expense ratio of 1.56%, which is higher than what most other Dynamic Asset Allocation funds charge. Currently, the fund has a 52.71% allocation to equity and 27.95% to Debt.

SBI Balanced Advantage Fund returns of last 1-year are 5.74%. Since launch, it has delivered 11.56% average annual returns.
SBI 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 high.
The fund's equity portion is primarily invested in Financial, Energy, Automobile, Construction, Consumer Staples 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., GOI, HDFC Bank Ltd., Tata Steel Ltd., Bharti Airtel Ltd..

...

Fund AUM	37,457 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Dinesh Balachandran

Mr.Dinesh is a B.Tech from IIT-B, M.S. from MIT USA and CFA. Prior to joining SBI Funds Management Pvt. Ltd. he has worked with Fidelity Investments, USA.

Mansi Sajeja

Ms. Sajeja is a CFA and has done Post Graduate Diploma in Business Management. Prior to joining SBIFMPL, she was Rating Analyst at ICRA Limited.

Rajeev Radhakrishnan

Mr. Radhakrishnan is B.E (Production), MMS (Finance) and CFA. Prior to joining SBI AMC he has worked with UTI Asset Management Company Ltd.

Mohit Jain

Mr. Jain is B.E (Engineering) & CFA (Level III candidate) Prior to joining SBI Mutual Fund, he has worked with Crisil Ltd. as a Research Analyst.

Anup Upadhyay

Mr. Upadhyay has done B.Tech, PGDM and CFA Prior to joining SBI Mutual Fund, he has worked with TCS

Investment objective

The scheme seeks to provide long term capital appreciation / income from a dynamic mix of equity and debt investments.

SBI Mutual Fund details

No. of schemes	72 view all schemes
Total AUM	12,07,585 Cr as on Sep 30, 2025
Address	9th Floor-Crescenzo, C-38 & 39- G Block, Bandra-Kurla Complex, Bandra (East) Mumbai, 400051
Phone	022-61793000 / 1800-425-5425

More funds from SBI Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
SBI Equity Hybrid Fund	N.A.	79,008 Cr	13.2%	17.09%
SBI Multi Asset Allocation Fund	N.A.	10,484 Cr	12.82%	15.51%
SBI Retirement Benefit Fund - Aggressive Hybrid Plan	N.A.	1,626 Cr	4.46%	N.A.
SBI Equity Savings Fund	N.A.	6,169 Cr	6.48%	11.7%
SBI Conservative Hybrid Fund	N.A.	9,859 Cr	6.59%	11.0%

See all Hybrid funds from this AMC

Frequently asked questions

What is the current NAV of SBI Balanced Advantage Fund?

The current Net Asset Value (NAV) of the SBI Balanced Advantage Fund plan is approximately ₹15.7289 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The SBI Balanced Advantage Fund is a 4 yrs 2 m old fund and has delivered average annual returns of 11.47% since inception.

SBI Balanced Advantage Fund Returns

1-Year	3-Year	Since Inception
6.82%	14.11%	11.47%

How much does this mutual fund charge as expense ratio?

The SBI Balanced Advantage Fund has an expense ratio of 1.56%, 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 SBI Balanced Advantage Fund currently has assets under management (AUM) or fund size valued at approximately 37,457 Cr as on Sep 30, 2025.

What are the top stock holdings of SBI Balanced Advantage Fund?

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

Company	Percentage of Portfolio
Reliance Industries Ltd.	5.58%
HDFC Bank Ltd.	5.03%
Tata Steel Ltd.	2.56%
Bharti Airtel Ltd.	2.53%
GAIL (India) Ltd.	2.18%
ITC Ltd.	2.12%
Mahindra & Mahindra Ltd.	2.0%
Tata Motors Passenger Vehicles Ltd.	1.92%
Larsen & Toubro Ltd.	1.9%
Bank Of Baroda	1.84%

What are the top sectors SBI Balanced Advantage Fund has invested in?

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

Sector	Percentage of Portfolio
Financial	16.36%
Energy	14.800000000000002%
Automobile	6.39%
Consumer Staples	4.4399999999999995%
Technology	4.22%
Healthcare	3.41%
Communication	3.36%
Metals & Mining	3.35%
Construction	2.77%
Materials	2.0300000000000002%

To whom does SBI Balanced Advantage Fund lend to?

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

Holding Name	Percentage of Portfolio
GOI	5.18%
Cholamandalam Investment and Finance Company Ltd.	1.68%
National Bank For Agriculture & Rural Development	1.05%

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 SBI Balanced Advantage Fund's debt portion's allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
Cash	13.19312039%
AAA	13.18574346%
SOV	5.79949473%

What is risk level of SBI 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 SBI Balanced Advantage Fund?

Redeeming your investments in the SBI 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/Risk: The fund is performing poorly than its category.
Exit Load: For units in excess of 10% of the investment,1% will be charged for redemption within 1 year.