Bank of India Balanced Advantage Fund is a Balanced Advantage fund run by Bank of India Mutual Fund. On 30-09-2026, it managed ₹174 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 9.2% a year and its Regular plan returned 8.0% a year. Its benchmark, NIFTY 50 Hybrid Composite Debt 50:50 Index, returned 6.0% a year over the same 3 years.
NAV (Direct plan)
₹27.62
▼ 0.22% · 30-10-2026
NAV (Regular plan)
₹25.19
▼ 0.23% · 30-10-2026
Expense ratio
1.39%Direct2.67%Regular
1.39%
A year
Riskometer
Very High
Set by the fund house
3 year return
9.2%Direct8.0%Regular
9.2%
A year
Bank of India Balanced Advantage Fund NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹27.62 (down 0.22% that day); Regular Plan Growth ₹25.19 (down 0.23% that day).
This fund (Direct plan)
₹27.6151
Bank of India Balanced Advantage Fund Returns vs NIFTY 50 Hybrid Composite Debt 50:50 Index
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
Trailing returns
Period
1M
3M
6M
1Y
3Y
5Y
10Y
This fund (Direct)
−0.51%
−3.64%
−2.31%
−0.59%
+9.20%
+9.89%
+7.30%
This fund (Regular)
−0.61%
−3.88%
−2.84%
−1.74%
+8.01%
+8.77%
+6.43%
NIFTY 50 Hybrid Composite Debt 50:50 Index
−3.31%
−3.02%
+1.93%
−2.65%
+6.05%
+5.96%
--
Balanced Advantage average
−0.55%
−2.88%
+0.08%
−2.08%
+9.14%
+8.35%
+9.91%
Best in Balanced Advantage
+1.54%
+1.98%
+8.19%
+8.40%
+12.82%
+13.03%
+13.61%
Worst in Balanced Advantage
−3.94%
−6.19%
−4.43%
−6.88%
+2.71%
+5.58%
+7.30%
Rank in Balanced Advantage
21/37
25/37
34/37
11/36
15/30
4/20
11/11
Category rows compare the Direct plans of 38 Balanced Advantage funds. Rank 1 is the highest return. The benchmark row is as on 30-09-2026, as NSE published it.
Bank of India Balanced Advantage Fund Year-wise Returns
Return of each calendar year
Year
Direct
Regular
2026to date
−2.00%
−2.91%
2025
+9.82%
+8.51%
2024
+7.53%
+6.42%
2023
+19.41%
+18.41%
2022
+16.88%
+15.73%
2021
+7.70%
+7.17%
Bank of India Balanced Advantage Fund Rolling Returns
The return of every holding period in the fund's history, not only the one that ends today
Rolling returns
Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 2,365 periods, one for each trading day from 24-03-2017 to 30-10-2026.
−5%0%5%10%15%20%
Bank of India Balanced Advantage Fund (Direct)
Category average, 38 Balanced Advantage funds
Dec 2014 to Dec 2017Aug 2016 to Aug 2019Apr 2018 to Apr 2021Nov 2019 to Nov 2022Jul 2021 to Jul 2024Jan 2023 to Jan 2026
Bank of India Balanced Advantage Fund (Direct)Category average, 38 Balanced Advantage funds
3%
0%
Below 0%
25%
3%
0-5%
28%
22%
5-10%
36%
70%
10-15%
8%
5%
15-20%
0%
0%
20-25%
0%
0%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
2,851
8.1%
−16.8%
31.2%
14%
9.2%
31%
2 years
2,608
8.9%
−7.5%
24.5%
11%
11.1%
19%
3 years
2,365
8.8%
−3.0%
17.5%
3%
11.6%
16%
5 years
1,872
6.1%
0.8%
14.6%
0%
10.9%
10%
7 years
1,379
7.4%
4.0%
11.0%
0%
11.1%
0%
10 years
640
8.1%
6.9%
9.6%
0%
11.3%
0%
Every SIP holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
140
8.1%
−18.0%
33.8%
16%
9.6%
33%
2 years
128
8.1%
−11.2%
24.0%
10%
10.5%
30%
3 years
116
8.6%
−7.5%
20.8%
10%
12.0%
24%
5 years
92
8.6%
−2.3%
17.1%
2%
11.2%
12%
7 years
68
9.0%
4.1%
13.3%
0%
11.5%
3%
10 years
32
9.3%
7.9%
10.9%
0%
11.9%
0%
Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat category" counts the periods in which the fund did better than the average of the 38 Balanced Advantage funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.
Bank of India Balanced Advantage Fund Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
Bank of India Balanced Advantage Fund (Direct)This fund
Category average
Return (CAGR)
−0.59%
−2.10%
Standard deviation
8.39%
8.39%
Sharpe ratio
-0.70
-0.88
Sortino ratio
-0.96
-1.17
Maximum drawdown
−6.2%
(23-10-2026)
−8.3%
(30-03-2026)
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Bank of India Balanced Advantage Fund (Direct)This fund
Category average
Return (CAGR)
+9.20%
+9.05%
Standard deviation
9.77%
7.94%
Sharpe ratio
0.33
0.38
Sortino ratio
0.45
0.51
Maximum drawdown
−12.8%
(28-02-2025)
−9.4%
(28-02-2025)
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Bank of India Balanced Advantage Fund (Direct)This fund
Category average
Return (CAGR)
+9.89%
+8.47%
Standard deviation
10.88%
7.56%
Sharpe ratio
0.38
0.35
Sortino ratio
0.58
0.48
Maximum drawdown
−12.8%
(28-02-2025)
−9.4%
(28-02-2025)
From daily NAVs, 29-10-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Bank of India Balanced Advantage Fund (Direct)This fund
Category average
Return (CAGR)
+7.30%
+9.99%
Standard deviation
9.29%
8.64%
Sharpe ratio
0.21
0.53
Sortino ratio
0.30
0.71
Maximum drawdown
−17.8%
(23-03-2020)
−22.6%
(23-03-2020)
From daily NAVs, 28-10-2016 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Bank of India Balanced Advantage Fund (Direct)This fund
Category average
Return (CAGR)
+8.35%
+11.02%
Standard deviation
8.64%
8.68%
Sharpe ratio
0.29
0.60
Sortino ratio
0.42
0.81
Maximum drawdown
−17.8%
(23-03-2020)
−22.6%
(23-03-2020)
From daily NAVs, 24-03-2014 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
−25%−20%−15%−10%−5%0%
Bank of India Balanced Advantage Fund (Direct)
Category average, 38 Balanced Advantage funds
201520172019202120232025
Bank of India Balanced Advantage Fund (Direct)Category average, 38 Balanced Advantage funds
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
Bank of India Balanced Advantage Fund (Direct)
−17.8%
27-08-2018
23-03-2020
17-11-2020
8 months
−4.9%
Category average
−22.6%
12-02-2020
23-03-2020
18-08-2020
5 months
−4.2%
From the Direct plan's daily NAV since 24-03-2014, adjusted for unit splits, and the average of the 38 Balanced Advantage funds (Direct plans, each weighted the same) over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.
Bank of India Balanced Advantage Fund vs Other Balanced Advantage Funds
The five Balanced Advantage funds with the best three year return, and this fund. Direct plans.
AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.
Bank of India Balanced Advantage Fund Expense Ratio and Costs
What each plan charges a year, in force from 01-10-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
Balanced Advantage median
Cost rank (1 = cheapest)
Direct
1.01%
0.05%
0.03%
0.30%
1.39%
1.04%
31/38
Regular
2.10%
0.05%
0.03%
0.49%
2.67%
2.30%
31/38
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Balanced Advantage funds' plans of the same type are sorted from the lowest total expense ratio to the highest.
Direct vs Regular: what the gap cost
Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.
Over the last
Regular
Direct
Direct earned more by
₹1 lakh became (Regular)
₹1 lakh became (Direct)
1 year
−1.74%
−0.59%
1.15%
₹98,260
₹99,410
3 years
8.01%
9.20%
1.19% a year
₹1,26,006
₹1,30,217
5 years
8.77%
9.89%
1.12% a year
₹1,52,246
₹1,60,247
10 years
6.43%
7.30%
0.87% a year
₹1,86,484
₹2,02,301
Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.
Bank of India Balanced Advantage Fund SIP Calculator
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
Step up each year
PeriodFor
₹10,000 on the first trading day of every month, from 24-03-2014 to 30-10-2026: 152 instalments, ₹15,20,000 in all.
Investment
Invested
Value now
Gain
Return a year
Direct planBank of India Balanced Advantage Fund (Direct)
₹15,20,000
₹25,62,387
₹10,42,387
7.9%
Regular planBank of India Balanced Advantage Fund (Regular)
Direct planBank of India Balanced Advantage Fund (Direct)Regular planBank of India Balanced Advantage Fund (Regular)Category averageCategory average, 38 Balanced Advantage fundsAmount invested
From each plan's published NAV (Growth option) and the category average, over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Bank of India Balanced Advantage Fund Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
50.1%Equity
Asset
Fund
Category
Equity
50.1%
69.0%
Debt
27.6%
23.0%
Cash and others
22.2%
7.9%
Market cap of stocks
Market cap
Fund
Category
Large Cap
43.5%
47.4%
Mid Cap
3.9%
11.6%
Small Cap
2.5%
8.8%
Not on AMFI's list
0.3%
1.4%
Share of the whole fund. Category: the average of the Balanced Advantage funds that hold stocks. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Credit rating
Bonds and money market papers by credit rating, % of the fund. Category: the average of 37 Balanced Advantage funds.
Rating
Fund
Category
Sovereign
8.5%
7.4%
AAA and A1+
12.9%
11.3%
AA
6.2%
3.3%
Bank of India Balanced Advantage Fund Sector Allocation
Sector allocation of the fund's stocks as on 30-09-2026
Largest sectors
Banks10.0%
Finance3.3%
Petroleum Products3.2%
Automobiles3.0%
Power3.0%
IT - Software2.5%
Pharmaceuticals & Biotechnology2.3%
Transport Infrastructure2.1%
Non - Ferrous Metals2.0%
Telecom - Services1.8%
The ten largest of 30 sectors. The other 20 add up to 16.7%.
Sector changes
Sector
July 2026
August 2026
September 2026
Change
Banks
10.1%
10.4%
10.0%
−0.1%
Finance
3.9%
4.0%
3.3%
−0.6%
Petroleum Products
3.9%
3.8%
3.2%
−0.7%
Automobiles
3.6%
3.6%
3.0%
−0.6%
Power
3.3%
3.1%
3.0%
−0.3%
Each sector's share of the fund at the end of each month. The five largest sectors of September 2026. Change: from July 2026 to September 2026, in % of the fund.
Bank of India Balanced Advantage Fund Portfolio Holdings
As on 30-09-2026 · 79 holdings · from the fund house's monthly portfolio
Holdings
Sector / Rating
Weight%
Holdings trend
1M change
IRB InvIT Fund
Transport Infrastructure
3.56%
6.94% Government of India (11/05/2036) · Government security
SOVEREIGN
3.40%
Reliance Industries Limited
Petroleum Products
3.24%
−9.7%
ICICI Bank Limited
Banks
3.09%
−11.7%
7.47% Small Industries Dev Bank of India (05/09/2029) · Bond
CRISIL AAA
2.85%
6.27% Power Finance Corporation Limited (15/07/2027) · Bond
CRISIL AAA
2.85%
Small Industries Dev Bank of India (20/08/2027) · Certificate of deposit
CRISIL A1+
2.70%
364 Days Tbill (MD 28/05/2027) · Treasury bill
SOVEREIGN
2.49%
7.37% Indian Railway Finance Corporation Limited (31/07/2029) · Bond
CRISIL AAA
2.28%
Punjab National Bank (12/03/2027) · Certificate of deposit
CRISIL A1+
2.23%
State Bank of India
Banks
2.20%
+20.9%
Adani Ports and Special Economic Zone Limited
Transport Infrastructure
2.12%
−2.6%
8.65% Aadhar Housing Finance Limited (20/08/2027) · Bond
ICRA AA+
1.85%
Bharti Airtel Limited
Telecom - Services
1.84%
−11.1%
Shriram Finance Limited
Finance
1.82%
−3.1%
7.6% Torrent Pharmaceuticals Limited (19/01/2029) · Bond
ICRA AA+
1.71%
IndiGrid Infrastructure Trust
Power
1.49%
7.1% Government of India (18/04/2029) · Government security
SOVEREIGN
1.45%
8.9% Muthoot Finance Limited (07/10/2027) · Bond
CRISIL AA+
1.44%
NTPC Limited
Power
1.40%
−4.5%
HDFC Bank Limited
Banks
1.37%
−25.3%
ITC Limited
Diversified FMCG
1.34%
−7.6%
Titan Company Limited
Consumer Durables
1.20%
−6.4%
8.95% Vedanta Limited (16/03/2029) · Bond
CRISIL AA+
1.16%
Axis Bank Limited
Banks
1.12%
−12.0%
Bajaj Finance Limited
Finance
1.12%
−8.9%
Anand Rathi Wealth Limited
Capital Markets
1.10%
New
Britannia Industries Limited
Food Products
1.06%
0.0%
Hindustan Copper Limited
Non - Ferrous Metals
1.06%
0.0%
Bharat Electronics Limited
Aerospace & Defense
1.06%
−5.3%
Raymond Limited
Industrial Manufacturing
1.05%
New
Larsen & Toubro Limited
Construction
1.04%
−15.3%
Eternal Limited
Retailing
1.03%
−8.7%
Hindalco Industries Limited
Non - Ferrous Metals
0.97%
−5.7%
The Federal Bank Limited
Banks
0.93%
New
Dr. Reddy's Laboratories Limited
Pharmaceuticals & Biotechnology
0.93%
−3.3%
Kotak Mahindra Bank Limited
Banks
0.92%
−12.6%
Mahindra & Mahindra Limited
Automobiles
0.90%
−11.2%
Tata Steel Limited
Ferrous Metals
0.86%
+118.0%
6.48% Government of India (06/10/2035) · Government security
SOVEREIGN
0.82%
Power Grid Corporation of India Limited
Power
0.80%
−6.0%
Tata Power Company Limited
Power
0.76%
0.0%
Hero MotoCorp Limited
Automobiles
0.75%
0.0%
Adani Enterprises Limited
Metals & Minerals Trading
0.67%
−5.1%
Sun Pharmaceutical Industries Limited
Pharmaceuticals & Biotechnology
0.65%
−11.4%
Tech Mahindra Limited
IT - Software
0.62%
−6.5%
Infosys Limited
IT - Software
0.62%
−19.7%
Tata Consultancy Services Limited
IT - Software
0.60%
−13.5%
Bajaj Auto Limited
Automobiles
0.52%
−9.1%
UltraTech Cement Limited
Cement & Cement Products
0.52%
−9.5%
HCL Technologies Limited
IT - Software
0.51%
−10.1%
SBI Life Insurance Company Limited
Insurance
0.49%
−6.3%
Divi's Laboratories Limited
Pharmaceuticals & Biotechnology
0.49%
0.0%
Hindustan Unilever Limited
Diversified FMCG
0.47%
−13.3%
Grasim Industries Limited
Cement & Cement Products
0.46%
−9.8%
JSW Steel Limited
Ferrous Metals
0.42%
−10.7%
Apollo Hospitals Enterprise Limited
Healthcare Services
0.39%
−8.5%
Trent Limited
Retailing
0.39%
−8.8%
Asian Paints Limited
Consumer Durables
0.39%
−10.7%
Coal India Limited
Consumable Fuels
0.38%
−10.5%
Nestle India Limited
Food Products
0.37%
−9.7%
Bank of Baroda
Banks
0.36%
0.0%
Eicher Motors Limited
Automobiles
0.35%
−10.7%
Maruti Suzuki India Limited
Automobiles
0.35%
−16.3%
Leap India Limited
Commercial Services & Supplies
0.34%
0.0%
Oil & Natural Gas Corporation Limited
Oil
0.32%
−10.6%
Filatex India Limited
Textiles & Apparels
0.31%
New
364 Days Tbill (MD 07/01/2027) · Treasury bill
SOVEREIGN
0.31%
Tata Motors Ltd
Agricultural, Commercial & Construction Vehicles
0.29%
0.0%
Cipla Limited
Pharmaceuticals & Biotechnology
0.27%
−10.7%
InterGlobe Aviation Limited
Transport Services
0.24%
−16.7%
Bajaj Finserv Limited
Finance
0.20%
−17.7%
HDFC Life Insurance Company Limited
Insurance
0.19%
−11.3%
Jio Financial Services Limited
Finance
0.18%
−14.7%
Wipro Limited
IT - Software
0.18%
−9.4%
Max Healthcare Institute Limited
Healthcare Services
0.18%
−13.9%
Tata Consumer Products Limited
Agricultural Food & other Products
0.17%
−13.4%
Tata Motors Passenger Vehicles Limited
Automobiles
0.17%
−13.6%
182 Days Tbill (MD 22/10/2026) · Treasury bill
SOVEREIGN
0.07%
Bank of India Balanced Advantage Fund Stocks Bought and Sold
All changes are between August 2026 and September 2026
More
Stocks bought and sold in September 2026
Reliance Industries Limited
↓Reduced
−9.7%
3.24%
ICICI Bank Limited
↓Reduced
−11.7%
3.09%
State Bank of India
↑Added
+20.9%
2.20%
Adani Ports and Special Economic Zone Limited
↓Reduced
−2.6%
2.12%
Bharti Airtel Limited
↓Reduced
−11.1%
1.84%
Shriram Finance Limited
↓Reduced
−3.1%
1.82%
HDFC Bank Limited
↓Reduced
−25.3%
1.37%
NTPC Limited
↓Reduced
−4.5%
1.40%
Titan Company Limited
↓Reduced
−6.4%
1.20%
ITC Limited
↓Reduced
−7.6%
1.34%
Bajaj Finance Limited
↓Reduced
−8.9%
1.12%
Axis Bank Limited
↓Reduced
−12.0%
1.12%
Larsen & Toubro Limited
↓Reduced
−15.3%
1.04%
Bharat Electronics Limited
↓Reduced
−5.3%
1.06%
Eternal Limited
↓Reduced
−8.7%
1.03%
Mahindra & Mahindra Limited
↓Reduced
−11.2%
0.90%
Hindalco Industries Limited
↓Reduced
−5.7%
0.97%
Anand Rathi Wealth Limited
↑New
New
1.10%
Kotak Mahindra Bank Limited
↓Reduced
−12.6%
0.92%
Raymond Limited
↑New
New
1.05%
Dr. Reddy's Laboratories Limited
↓Reduced
−3.3%
0.93%
The Federal Bank Limited
↑New
New
0.93%
Infosys Limited
↓Reduced
−19.7%
0.62%
Tata Steel Limited
↑Added
+118.0%
0.86%
Power Grid Corporation of India Limited
↓Reduced
−6.0%
0.80%
Tata Consultancy Services Limited
↓Reduced
−13.5%
0.60%
Sun Pharmaceutical Industries Limited
↓Reduced
−11.4%
0.65%
Tech Mahindra Limited
↓Reduced
−6.5%
0.62%
Adani Enterprises Limited
↓Reduced
−5.1%
0.67%
Bajaj Auto Limited
↓Reduced
−9.1%
0.52%
UltraTech Cement Limited
↓Reduced
−9.5%
0.52%
HCL Technologies Limited
↓Reduced
−10.1%
0.51%
Hindustan Unilever Limited
↓Reduced
−13.3%
0.47%
Grasim Industries Limited
↓Reduced
−9.8%
0.46%
SBI Life Insurance Company Limited
↓Reduced
−6.3%
0.49%
JSW Steel Limited
↓Reduced
−10.7%
0.42%
Asian Paints Limited
↓Reduced
−10.7%
0.39%
Nestle India Limited
↓Reduced
−9.7%
0.37%
Apollo Hospitals Enterprise Limited
↓Reduced
−8.5%
0.39%
Maruti Suzuki India Limited
↓Reduced
−16.3%
0.35%
Trent Limited
↓Reduced
−8.8%
0.39%
Eicher Motors Limited
↓Reduced
−10.7%
0.35%
Coal India Limited
↓Reduced
−10.5%
0.38%
Oil & Natural Gas Corporation Limited
↓Reduced
−10.6%
0.32%
Cipla Limited
↓Reduced
−10.7%
0.27%
Filatex India Limited
↑New
New
0.31%
InterGlobe Aviation Limited
↓Reduced
−16.7%
0.24%
Bajaj Finserv Limited
↓Reduced
−17.7%
0.20%
Max Healthcare Institute Limited
↓Reduced
−13.9%
0.18%
Wipro Limited
↓Reduced
−9.4%
0.18%
Jio Financial Services Limited
↓Reduced
−14.7%
0.18%
Tata Consumer Products Limited
↓Reduced
−13.4%
0.17%
HDFC Life Insurance Company Limited
↓Reduced
−11.3%
0.19%
Tata Motors Passenger Vehicles Limited
↓Reduced
−13.6%
0.17%
No stocks in this group for September 2026.
A change is counted by the number of shares the fund holds, not by price. A stock can become a smaller part of the fund in a month when the fund bought more of it, if its price fell. Debt papers are left out.
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
Bank of India Balanced Advantage Fund Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
1.39%
Expense ratio (Regular)
2.67%
Category
Balanced Advantage
Risk
Very High
Launch date
14-03-2014
Minimum investment
₹5,000
Minimum additional investment
₹1,000
AUM
₹173.75 Cr (30-09-2026)
Lock in
None
Scheme code (Direct)
127850
ISIN (Direct)
INF761K01BO6
Scheme code (Regular)
127849
ISIN (Regular)
INF761K01BR9
NAV history
From 24-03-2014, 12.6 years
Benchmark
NIFTY 50 Hybrid Composite Debt 50:50 Index
Exit load
Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months.
Tax on Bank of India Balanced Advantage Fund returns
How the gain is taxed depends on what the fund holds. A fund with 65% or more in Indian stocks is taxed as an equity fund: 20% within 1 year, 12.5% after, on gains above ₹1.25 lakh a year.
A fund with 65% or more in debt is taxed at your slab rate. Any other fund: your slab rate within 2 years, 12.5% after.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
All plans and options
Plan
Option
NAV
As on
direct
Growth
₹27.6151
30-10-2026
direct
IDCW
₹16.6605
30-10-2026
regular
Growth
₹25.1903
30-10-2026
regular
IDCW
₹17.5751
30-10-2026
About Bank of India Balanced Advantage Fund
Bank of India Balanced Advantage Fund is a mutual fund from Bank of India Mutual Fund. Its category is Balanced Advantage. It was launched on 14-03-2014. Its benchmark is NIFTY 50 Hybrid Composite Debt 50:50 Index. At the end of September 2026 it held 79 securities.
Fund Manager
Alok Singh
Fund manager of Bank of India Balanced Advantage Fund, since 01-12-2021
Frequently Asked Questions for Bank of India Balanced Advantage Fund
What is the current NAV of Bank of India Balanced Advantage Fund?
The Direct plan NAV is ₹27.6151. The Regular plan NAV is ₹25.1903, as on 30-10-2026.
What are the returns of Bank of India Balanced Advantage Fund?
The Direct plan returned −0.59% in 1 year, +9.20% a year over 3 years, +9.89% a year over 5 years. The Regular plan returned −1.74% in 1 year, +8.01% a year over 3 years, +8.77% a year over 5 years. These figures are as on 30-10-2026.
What is the expense ratio of Bank of India Balanced Advantage Fund?
The Direct plan charges 1.39% a year. The Regular plan charges 2.67% a year. This is the figure the fund house reported to AMFI, in force from 01-10-2026.
What is the AUM of Bank of India Balanced Advantage Fund?
Bank of India Balanced Advantage Fund managed ₹173.75 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of Bank of India Balanced Advantage Fund?
At the end of September 2026 the largest holdings were IRBINVIT-IV (3.56%), 6.94% Government of India (11/05/2036) (3.40%), RELIANCE (3.24%), ICICIBANK (3.09%), 7.47% Small Industries Dev Bank of India (05/09/2029) (2.85%). The fund held 79 securities in all.
What did Bank of India Balanced Advantage Fund buy and sell in September 2026?
It bought 4 new stocks: The Federal Bank Limited, Raymond Limited, Anand Rathi Wealth Limited, Filatex India Limited. It added shares in 2. It reduced 48.
How do I invest in Bank of India Balanced Advantage Fund?
Through Bank of India Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹5,000. You can invest once or through a monthly SIP.
Who is the fund manager of Bank of India Balanced Advantage Fund?
Alok Singh (since 01-12-2021).
Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.
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