Bank of India Balanced Advantage Fund vs Bank of India Conservative Hybrid Fund
Direct Plan, Growth option · Data as on 30-10-2026
Bank of India Balanced Advantage Fund is a Balanced Advantage fund and Bank of India Conservative Hybrid Fund is a Conservative Hybrid fund. In the 3 years to 30-10-2026, Bank of India Balanced Advantage Fund (Direct) returned 9.2% a year and Bank of India Conservative Hybrid Fund (Direct) returned 6.4% a year. Bank of India Balanced Advantage Fund charges 1.39% a year and Bank of India Conservative Hybrid Fund 1.18% (Direct plans). Their portfolios overlap 28.2%: they hold 25 of the same securities.
Bank of India Balanced Advantage Fund
Balanced Advantage
- 3 year return
- 9.2%
- Expense ratio
- 1.39%
- NAV
- ₹27.62
Bank of India Conservative Hybrid Fund
Conservative Hybrid
- 3 year return
- 6.4%
- Expense ratio
- 1.18%
- NAV
- ₹37.63
Which is better, Bank of India Balanced Advantage or Bank of India Conservative Hybrid? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Bank of India Balanced Advantage returned more over 5 years: 9.9% a year against 9.4%.
- Bank of India Balanced Advantage returned more over 3 years: 9.2% a year against 6.4%.
- Bank of India Conservative Hybrid costs less: 1.18% a year against 1.39% (Direct plans).
- Bank of India Conservative Hybrid swung less over 3 years: a standard deviation of 3.9% a year against 9.8%.
- Bank of India Conservative Hybrid fell less in its worst fall since 24-03-2014: −15.4% against −17.8%.
- Bank of India Balanced Advantage holds more in large companies: 43.5% of the fund in large caps against 11.2%.
- Bank of India Balanced Advantage is the larger fund: ₹174 Cr against ₹66 Cr.
- Their portfolios overlap 28.2%: 25 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Bank of India Balanced Advantage Fund | Bank of India Conservative Hybrid Fund |
|---|---|---|
| Fund house | Bank of India Mutual Fund | Bank of India Mutual Fund |
| Category | Balanced Advantage | Conservative Hybrid |
| AUM | ₹174 Cr (30-09-2026) | ₹66 Cr (30-09-2026) |
| NAV | ₹27.62 (Direct) | ₹37.63 (Direct) |
| Expense ratio (Direct) | 1.39% | 1.18% |
| Expense ratio (Regular) | 2.67% | 2.25% |
| Riskometer | Very High | Moderately High |
| Benchmark | NIFTY 50 Hybrid Composite Debt 50:50 Index | CRISIL Hybrid 85+15 - Conservative Index |
| Launch date | 14-03-2014 | 18-03-2009 |
| Minimum investment | ₹5,000 | ₹5,000 |
| Lock in | None | None |
| Fund managers | Alok Singh | Alok Singh |
| Exit load | Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months. | Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months. |
Bank of India Balanced Advantage vs Bank of India Conservative Hybrid: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Bank of India Balanced Advantage Fund (Direct) | −0.51% | −3.64% | −2.31% | −0.59% | +9.20% | +9.89% | +7.30% |
| Bank of India Conservative Hybrid Fund (Direct) | −0.39% | −0.83% | +0.10% | +1.21% | +6.42% | +9.43% | +7.14% |
| Balanced Advantage average | −0.55% | −2.88% | +0.08% | −2.08% | +9.14% | +8.35% | +9.91% |
| Conservative Hybrid average | −0.46% | −1.48% | +0.87% | +1.02% | +7.61% | +7.13% | +7.52% |
Category average: the average of the 38 Balanced Advantage funds and the 18 Conservative Hybrid funds, same plan type.
Bank of India Balanced Advantage vs Bank of India Conservative Hybrid: Year-wise Returns
| Year | Balanced AdvantageBank of India Balanced Advantage | Conservative HybridBank of India Conservative Hybrid |
|---|---|---|
| 2026to date | −2.00% | +1.20% |
| 2025 | +9.82% | +5.18% |
| 2024 | +7.53% | +8.00% |
| 2023 | +19.41% | +11.32% |
| 2022 | +16.88% | +22.17% |
| 2021 | +7.70% | +9.00% |
Bank of India Balanced Advantage vs Bank of India Conservative Hybrid: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 2,365 of them, one for each trading day from 24-03-2017 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Bank of India Balanced Advantage Fund (Direct)
Bank of India Conservative Hybrid Fund (Direct)
to
Dec 2017Aug 2016
to
Aug 2019Apr 2018
to
Apr 2021Nov 2019
to
Nov 2022Jul 2021
to
Jul 2024Jan 2023
to
Jan 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Bank of India Balanced Advantage | 2.6 | 25.3 | 28.2 | 36.2 | 7.7 | 0.0 | 0.0 | 8.3% | 8.8% | −3.0% | 17.5% |
| Bank of India Conservative Hybrid | 3.7 | 24.5 | 33.4 | 32.4 | 6.0 | 0.0 | 0.0 | 8.3% | 8.5% | −1.4% | 16.5% |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. Every fund is measured over the days all of them have, from 24-03-2014. Past returns do not promise future returns.
Bank of India Balanced Advantage vs Bank of India Conservative Hybrid: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹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 |
|---|---|---|---|---|
| Bank of India Balanced AdvantageBank of India Balanced Advantage Fund (Direct) | ₹15,20,000 | ₹25,62,387 | ₹10,42,387 | 7.9% |
| Bank of India Conservative HybridBank of India Conservative Hybrid Fund (Direct) | ₹15,20,000 | ₹25,28,562 | ₹10,08,562 | 7.7% |
Bank of India Balanced AdvantageBank of India Balanced Advantage Fund (Direct)
Bank of India Conservative HybridBank of India Conservative Hybrid Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), 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 vs Bank of India Conservative Hybrid: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Bank of India Balanced Advantage Fund (Direct) | Bank of India Conservative Hybrid Fund (Direct) |
|---|---|---|
| Return (CAGR) | −0.59% | +1.21% |
| Standard deviation | 8.39% | 3.33% |
| Sharpe ratio | -0.70 | -1.21 |
| Sortino ratio | -0.96 | -1.59 |
| Maximum drawdown | −6.2% (23-10-2026) | −2.1% (30-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
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. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Bank of India Balanced Advantage Fund (Direct) | Bank of India Conservative Hybrid Fund (Direct) |
|---|---|---|
| Return (CAGR) | +9.20% | +6.42% |
| Standard deviation | 9.77% | 3.85% |
| Sharpe ratio | 0.33 | 0.10 |
| Sortino ratio | 0.45 | 0.13 |
| Maximum drawdown | −12.8% (28-02-2025) | −4.1% (28-02-2025) |
| Beta | -- | -- |
| Alpha | -- | -- |
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. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Bank of India Balanced Advantage Fund (Direct) | Bank of India Conservative Hybrid Fund (Direct) |
|---|---|---|
| Return (CAGR) | +9.89% | +9.43% |
| Standard deviation | 10.88% | 9.14% |
| Sharpe ratio | 0.38 | 0.40 |
| Sortino ratio | 0.58 | 1.26 |
| Maximum drawdown | −12.8% (28-02-2025) | −4.1% (07-03-2022) |
| Beta | -- | -- |
| Alpha | -- | -- |
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. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Bank of India Balanced Advantage Fund (Direct) | Bank of India Conservative Hybrid Fund (Direct) |
|---|---|---|
| Return (CAGR) | +8.35% | +8.02% |
| Standard deviation | 8.64% | 6.65% |
| Sharpe ratio | 0.29 | 0.30 |
| Sortino ratio | 0.42 | 0.57 |
| Maximum drawdown | −17.8% (23-03-2020) | −15.4% (23-03-2020) |
| Beta | -- | -- |
| Alpha | -- | -- |
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. Beta and alpha compare each fund with its own benchmark's TRI.
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.
Bank of India Balanced Advantage Fund (Direct)
Bank of India Conservative Hybrid Fund (Direct)
| Fund | 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% |
| Bank of India Conservative Hybrid Fund (Direct) | −15.4% | 28-08-2018 | 23-03-2020 | 09-12-2020 | 9 months | −1.6% |
From daily values since 24-03-2014, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Bank of India Balanced Advantage Fund (Direct)
Bank of India Conservative Hybrid Fund (Direct)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Bank of India Balanced Advantage Fund (Direct)
Bank of India Conservative Hybrid Fund (Direct)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 5-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Bank of India Balanced Advantage Fund (Direct)
Bank of India Conservative Hybrid Fund (Direct)
Bank of India Balanced Advantage vs Bank of India Conservative Hybrid: Portfolio Overlap
From each fund's latest monthly portfolio: Bank of India Balanced Advantage Fund, September 2026; Bank of India Conservative Hybrid Fund, September 2026
Holdings in common
- Overlap
- 28.2%
- Held by both
- 25
- Only in Bank of India Balanced Advantage
- 54
- Only in Bank of India Conservative Hybrid
- 14
| Security | % of Bank of India Balanced Advantage | % of Bank of India Conservative Hybrid |
|---|---|---|
| 6.94% Government of India (11/05/2036) | 3.40% | 7.47% |
| 7.47% Small Industries Dev Bank of India (05/09/2029) | 2.85% | 3.00% |
| 6.27% Power Finance Corporation Limited (15/07/2027) | 2.85% | 4.51% |
| Punjab National Bank (12/03/2027) | 2.23% | 5.89% |
| State Bank of India | 2.20% | 1.60% |
| 7.1% Government of India (18/04/2029) | 1.45% | 7.66% |
| 8.9% Muthoot Finance Limited (07/10/2027) | 1.44% | 3.80% |
| ICICI Bank Limited | 3.09% | 1.20% |
| NTPC Limited | 1.40% | 1.10% |
| Hindustan Copper Limited | 1.06% | 1.39% |
| Adani Ports and Special Economic Zone Limited | 2.12% | 1.05% |
| Bharat Electronics Limited | 1.06% | 0.94% |
| Bharti Airtel Limited | 1.84% | 0.93% |
| 6.48% Government of India (06/10/2035) | 0.82% | 2.56% |
| Power Grid Corporation of India Limited | 0.80% | 0.91% |
| Dr. Reddy's Laboratories Limited | 0.93% | 0.75% |
| Larsen & Toubro Limited | 1.04% | 0.57% |
| Reliance Industries Limited | 3.24% | 0.52% |
| Mahindra & Mahindra Limited | 0.90% | 0.49% |
| UltraTech Cement Limited | 0.52% | 0.48% |
| Asian Paints Limited | 0.39% | 0.82% |
| Britannia Industries Limited | 1.06% | 0.37% |
| Leap India Limited | 0.34% | 0.44% |
| 364 Days Tbill (MD 07/01/2027) | 0.31% | 0.52% |
| HDFC Bank Limited | 1.37% | 0.21% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 28.2% means 28.2% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Bank of India Balanced Advantage Fund
| Security | % of fund |
|---|---|
| IRB InvIT Fund | 3.56% |
| Small Industries Dev Bank of India (20/08/2027) | 2.70% |
| 364 Days Tbill (MD 28/05/2027) | 2.49% |
| 7.37% Indian Railway Finance Corporation Limited (31/07/2029) | 2.28% |
| 8.65% Aadhar Housing Finance Limited (20/08/2027) | 1.85% |
Largest holdings only in Bank of India Conservative Hybrid Fund
| Security | % of fund |
|---|---|
| 7.57% Indian Railway Finance Corporation Limited (18/04/2029) | 7.57% |
| 7.73% Tata Capital Housing Finance Limited (14/01/2030) | 4.48% |
| 8.5% Nirma Limited (07/04/2027) | 3.04% |
| 8.1167% Bajaj Finance Limited (10/05/2027) | 3.03% |
| 7.6% Power Finance Corporation Limited (13/04/2029) | 3.02% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Bank of India Balanced Advantage | Bank of India Conservative Hybrid |
|---|---|---|
| Equity | 50.1% | 19.0% |
| Debt | 27.6% | 56.6% |
| Cash and others | 22.2% | 24.5% |
Market cap of stocks
| Market cap | Bank of India Balanced Advantage | Bank of India Conservative Hybrid |
|---|---|---|
| Large Cap | 43.5% | 11.2% |
| Mid Cap | 3.9% | 4.6% |
| Small Cap | 2.5% | 2.7% |
| Not on AMFI's list | 0.3% | 0.5% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Bank of India Balanced Advantage | Bank of India Conservative Hybrid |
|---|---|---|
| Banks | 10.0% | 3.0% |
| Finance | 3.3% | 0.0% |
| Petroleum Products | 3.2% | 0.5% |
| Pharmaceuticals & Biotechnology | 2.3% | 3.0% |
| Automobiles | 3.0% | 0.5% |
| Power | 3.0% | 2.0% |
| IT - Software | 2.5% | 0.0% |
| Transport Infrastructure | 2.1% | 1.1% |
| Non - Ferrous Metals | 2.0% | 1.4% |
| Consumer Durables | 1.6% | 1.6% |
The six largest sectors of each fund's stocks, % of the fund.
Bank of India Balanced Advantage vs Bank of India Conservative Hybrid: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Bank of India Balanced Advantage Fund | Bank of India Conservative Hybrid Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.39% | 1.18% |
| Base expense ratio (Direct) | 1.01% | 0.94% |
| Total expense ratio (Regular) | 2.67% | 2.25% |
| Base expense ratio (Regular) | 2.10% | 1.85% |
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, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
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Compare Bank of India Conservative Hybrid with
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Bank of India Balanced Advantage Fund vs Bank of India Conservative Hybrid Fund: Frequently Asked Questions
What is the difference between Bank of India Balanced Advantage Fund and Bank of India Conservative Hybrid Fund?
Bank of India Balanced Advantage Fund is a Balanced Advantage fund, Bank of India Conservative Hybrid Fund is a Conservative Hybrid fund, run by Bank of India Mutual Fund. Their portfolios overlap 28.2%. Bank of India Balanced Advantage Fund charges 1.39% a year and Bank of India Conservative Hybrid Fund 1.18%.
Which has given higher returns, Bank of India Balanced Advantage Fund or Bank of India Conservative Hybrid Fund?
Over 1 year: Bank of India Balanced Advantage Fund −0.59%, Bank of India Conservative Hybrid Fund +1.21%. Over 3 years: Bank of India Balanced Advantage Fund +9.20% a year, Bank of India Conservative Hybrid Fund +6.42% a year. Over 5 years: Bank of India Balanced Advantage Fund +9.89% a year, Bank of India Conservative Hybrid Fund +9.43% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Bank of India Balanced Advantage Fund or Bank of India Conservative Hybrid Fund?
Bank of India Conservative Hybrid Fund charges less: 1.18% a year against 1.39%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Bank of India Balanced Advantage Fund and Bank of India Conservative Hybrid Fund overlap?
28.2%. They hold 25 of the same securities, the largest shared ones being 6.94% Government of India (11/05/2036), 7.47% Small Industries Dev Bank of India (05/09/2029), 6.27% Power Finance Corporation Limited (15/07/2027). From each fund's latest monthly portfolio.
Which is riskier, Bank of India Balanced Advantage Fund or Bank of India Conservative Hybrid Fund?
On SEBI's riskometer, Bank of India Balanced Advantage Fund is rated Very High and Bank of India Conservative Hybrid Fund Moderately High. Over 3 years, the standard deviation of daily returns was 9.77% and 3.85% a year.
Which is better for SIP, Bank of India Balanced Advantage Fund or Bank of India Conservative Hybrid Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹7,40,318 in Bank of India Balanced Advantage Fund (XIRR 7.6% a year) and ₹7,16,978 in Bank of India Conservative Hybrid Fund (XIRR 6.3% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both Bank of India Balanced Advantage Fund and Bank of India Conservative Hybrid Fund?
Yes. 28.2% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Bank of India Balanced Advantage Fund and Bank of India Conservative Hybrid Fund?
Bank of India Balanced Advantage Fund: Alok Singh. Bank of India Conservative Hybrid Fund: Alok Singh.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
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.