SBI Balanced Advantage Fund vs Tata Balanced Advantage Fund
Direct Plan, Growth option · Data as on 30-10-2026
SBI Balanced Advantage Fund and Tata Balanced Advantage Fund are both Balanced Advantage funds. In the 3 years to 30-10-2026, SBI Balanced Advantage Fund (Direct) returned 9.3% a year and Tata Balanced Advantage Fund (Direct) returned 7.4% a year. SBI Balanced Advantage Fund charges 0.86% a year and Tata Balanced Advantage Fund 0.69% (Direct plans). Their portfolios overlap 28.8%: they hold 30 of the same securities.
SBI Balanced Advantage Fund
Balanced Advantage
- 3 year return
- 9.3%
- Expense ratio
- 0.86%
- NAV
- ₹16.00
Tata Balanced Advantage Fund
Balanced Advantage
- 3 year return
- 7.4%
- Expense ratio
- 0.69%
- NAV
- ₹22.27
Which is better, SBI Balanced Advantage or Tata Balanced Advantage? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- SBI Balanced Advantage returned more over 5 years: 9.4% a year against 7.9%.
- SBI Balanced Advantage returned more over 3 years: 9.3% a year against 7.4%.
- Tata Balanced Advantage costs less: 0.69% a year against 0.86% (Direct plans).
- SBI Balanced Advantage swung less over 3 years: a standard deviation of 6.8% a year against 7.5%.
- SBI Balanced Advantage fell less in its worst fall since 07-09-2021: −7.4% against −8.4%.
- SBI Balanced Advantage is the larger fund: ₹40,545 Cr against ₹8,005 Cr.
- Their portfolios overlap 28.8%: 30 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 | SBI Balanced Advantage Fund | Tata Balanced Advantage Fund |
|---|---|---|
| Fund house | SBI Mutual Fund | Tata Mutual Fund |
| Category | Balanced Advantage | Balanced Advantage |
| AUM | ₹40,545 Cr (30-09-2026) | ₹8,005 Cr (30-09-2026) |
| NAV | ₹16.00 (Direct) | ₹22.27 (Direct) |
| Expense ratio (Direct) | 0.86% | 0.69% |
| Expense ratio (Regular) | 1.67% | 1.86% |
| Riskometer | High | Very High |
| Benchmark | NIFTY 50 Hybrid Composite Debt 50:50 Index | CRISIL Hybrid 50+50 - Moderate Index |
| Launch date | 31-08-2021 | 28-01-2019 |
| Minimum investment | ₹5,000 | ₹5,000 |
| Lock in | None | None |
| Fund managers | Dinesh Balachandran, Anup Upadhyay | Rahul Singh, Sailesh Jain, Murthy Nagarajan, Amit Somani |
| Exit load | For units in excess of 10% of the investment,1% will be charged for redemption within 1 year. | Exit load of 0.50%, if redeemed within 30 days. |
SBI Balanced Advantage vs Tata Balanced Advantage: 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 |
|---|---|---|---|---|---|---|---|
| SBI Balanced Advantage Fund (Direct) | −0.92% | −4.44% | −2.94% | −3.13% | +9.33% | +9.41% | -- |
| Tata Balanced Advantage Fund (Direct) | −1.59% | −6.19% | −2.95% | −4.29% | +7.38% | +7.88% | -- |
| Balanced Advantage average | −0.55% | −2.88% | +0.08% | −2.08% | +9.14% | +8.35% | -- |
Category average: the average of the 38 Balanced Advantage funds, same plan type.
SBI Balanced Advantage vs Tata Balanced Advantage: Year-wise Returns
| Year | SBISBI Balanced Advantage | TataTata Balanced Advantage |
|---|---|---|
| 2026to date | −4.89% | −5.05% |
| 2025 | +10.93% | +7.38% |
| 2024 | +14.50% | +12.27% |
| 2023 | +21.49% | +18.70% |
| 2022 | +6.20% | +7.14% |
| 2021 | -- | +18.43% |
SBI Balanced Advantage vs Tata Balanced Advantage: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 535 of them, one for each trading day from 09-09-2024 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.
SBI Balanced Advantage Fund (Direct)
Tata Balanced Advantage Fund (Direct)
to
Nov 2024Mar 2022
to
Mar 2025Aug 2022
to
Aug 2025Dec 2022
to
Dec 2025Apr 2023
to
Apr 2026Aug 2023
to
Aug 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| SBI Balanced Advantage | 0.0 | 0.0 | 6.2 | 67.9 | 26.0 | 0.0 | 0.0 | 13.8% | 14.2% | 8.8% | 17.4% |
| Tata Balanced Advantage | 0.0 | 0.0 | 10.8 | 86.9 | 2.3 | 0.0 | 0.0 | 11.9% | 12.1% | 6.9% | 15.4% |
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 07-09-2021. Past returns do not promise future returns.
SBI Balanced Advantage vs Tata Balanced Advantage: 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 07-09-2021 to 30-10-2026: 62 instalments, ₹6,20,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| SBI Balanced AdvantageSBI Balanced Advantage Fund (Direct) | ₹6,20,000 | ₹7,62,772 | ₹1,42,772 | 8.0% |
| Tata Balanced AdvantageTata Balanced Advantage Fund (Direct) | ₹6,20,000 | ₹7,27,419 | ₹1,07,419 | 6.1% |
SBI Balanced AdvantageSBI Balanced Advantage Fund (Direct)
Tata Balanced AdvantageTata Balanced Advantage 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.
SBI Balanced Advantage vs Tata Balanced Advantage: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | SBI Balanced Advantage Fund (Direct) | Tata Balanced Advantage Fund (Direct) |
|---|---|---|
| Return (CAGR) | −3.13% | −4.29% |
| Standard deviation | 7.65% | 8.99% |
| Sharpe ratio | -1.09 | -1.06 |
| Sortino ratio | -1.44 | -1.40 |
| Maximum drawdown | −7.4% (30-03-2026) | −8.4% (23-10-2026) |
| 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 | SBI Balanced Advantage Fund (Direct) | Tata Balanced Advantage Fund (Direct) |
|---|---|---|
| Return (CAGR) | +9.33% | +7.38% |
| Standard deviation | 6.81% | 7.55% |
| Sharpe ratio | 0.48 | 0.18 |
| Sortino ratio | 0.66 | 0.24 |
| Maximum drawdown | −7.4% (30-03-2026) | −8.4% (23-10-2026) |
| 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 | SBI Balanced Advantage Fund (Direct) | Tata Balanced Advantage Fund (Direct) |
|---|---|---|
| Return (CAGR) | +9.41% | +7.88% |
| Standard deviation | 6.40% | 7.13% |
| Sharpe ratio | 0.56 | 0.29 |
| Sortino ratio | 0.78 | 0.40 |
| Maximum drawdown | −7.4% (30-03-2026) | −8.4% (23-10-2026) |
| 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 | SBI Balanced Advantage Fund (Direct) | Tata Balanced Advantage Fund (Direct) |
|---|---|---|
| Return (CAGR) | +9.45% | +10.87% |
| Standard deviation | 6.34% | 8.79% |
| Sharpe ratio | 0.59 | 0.65 |
| Sortino ratio | 0.81 | 0.88 |
| Maximum drawdown | −7.4% (30-03-2026) | −20.0% (23-03-2020) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 07-09-2021 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.
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.
SBI Balanced Advantage Fund (Direct)
Tata Balanced Advantage Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| SBI Balanced Advantage Fund (Direct) | −7.4% | 02-01-2026 | 30-03-2026 | 03-08-2026 | 4 months | −5.4% |
| Tata Balanced Advantage Fund (Direct) | −8.4% | 03-08-2026 | 23-10-2026 | Not yet | -- | −7.4% |
From daily values since 07-09-2021, 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.
SBI Balanced Advantage Fund (Direct)
Tata Balanced Advantage 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.
SBI Balanced Advantage Fund (Direct)
Tata Balanced Advantage 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.
SBI Balanced Advantage Fund (Direct)
Tata Balanced Advantage Fund (Direct)
SBI Balanced Advantage vs Tata Balanced Advantage: Portfolio Overlap
From each fund's latest monthly portfolio: SBI Balanced Advantage Fund, September 2026; Tata Balanced Advantage Fund, September 2026
Holdings in common
- Overlap
- 28.8%
- Held by both
- 30
- Only in SBI Balanced Advantage
- 94
- Only in Tata Balanced Advantage
- 80
| Security | % of SBI Balanced Advantage | % of Tata Balanced Advantage |
|---|---|---|
| Reliance Industries Ltd. | 4.24% | 4.21% |
| HDFC Bank Ltd. | 3.68% | 3.07% |
| ICICI Bank Ltd. | 3.58% | 2.44% |
| Larsen & Toubro Ltd. | 2.44% | 2.00% |
| Sun Pharmaceutical Industries Ltd. | 1.67% | 1.47% |
| Bharti Airtel Ltd. | 1.36% | 3.01% |
| Axis Bank Ltd. | 1.80% | 1.35% |
| Brookfield India Real Estate Trust | 1.32% | 1.74% |
| Tata Steel Ltd. | 1.84% | 1.29% |
| Mahindra & Mahindra Ltd. | 1.22% | 1.45% |
| Delhivery Ltd. | 1.09% | 1.01% |
| Tech Mahindra Ltd. | 2.06% | 0.99% |
| 7.32% CGL 2030 | 0.88% | 0.95% |
| State Bank of India | 0.74% | 1.56% |
| JSW JFE Kalinga Steel Ltd. | 1.03% | 0.65% |
| Oil & Natural Gas Corporation Ltd. | 0.64% | 1.01% |
| Cummins India Ltd. | 0.56% | 1.43% |
| Dabur India Ltd. | 0.55% | 0.49% |
| Life Insurance Corporation of India | 0.47% | 0.75% |
| Bajaj Finserv Ltd. | 0.46% | 1.42% |
| Vishal Mega Mart Ltd. | 0.41% | 0.76% |
| Power Grid Corporation of India Ltd. | 1.02% | 0.35% |
| The Federal Bank Ltd. | 0.33% | 1.46% |
| National Bank for Agriculture and Rural Development | 0.48% | 0.31% |
| Reliance Industries Ltd. | 0.25% | 0.31% |
| ICICI Lombard General Insurance Company Ltd. | 0.21% | 0.88% |
| Hindustan Unilever Ltd. | 0.20% | 1.20% |
| Infosys Ltd. | 0.10% | 1.22% |
| Shriram Finance Ltd. | 0.03% | 1.87% |
| HDFC Life Insurance Company Ltd. | 0.01% | 0.90% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 28.8% means 28.8% 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 SBI Balanced Advantage Fund
| Security | % of fund |
|---|---|
| GAIL (India) Ltd. | 2.54% |
| 364 DAY T-BILL 04.03.27 | 2.05% |
| Indus Towers Ltd. | 1.93% |
| Punjab National Bank | 1.86% |
| Tata Motors Passenger Vehicles Ltd. | 1.58% |
Largest holdings only in Tata Balanced Advantage Fund
| Security | % of fund |
|---|---|
| GOI - 7.34% (22/04/2064) | 2.26% |
| GOI - 6.54% (17/01/2032) | 1.96% |
| APOLLO HOSPITALS ENTERPRISE LTD | 1.96% |
| GOI - 7.09% (05/08/2054) | 1.75% |
| GODREJ PROPERTIES LTD | 1.57% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | SBI Balanced Advantage | Tata Balanced Advantage |
|---|---|---|
| Equity | 67.4% | 65.6% |
| Debt | 23.2% | 27.8% |
| Cash and others | 9.4% | 6.6% |
Market cap of stocks
| Market cap | SBI Balanced Advantage | Tata Balanced Advantage |
|---|---|---|
| Large Cap | 49.6% | 46.1% |
| Mid Cap | 10.5% | 10.2% |
| Small Cap | 7.3% | 8.2% |
| Not on AMFI's list | 0.0% | 1.0% |
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 | SBI Balanced Advantage | Tata Balanced Advantage |
|---|---|---|
| Banks | 15.9% | 9.9% |
| Finance | 3.0% | 5.9% |
| Petroleum Products | 4.5% | 5.1% |
| Power | 4.9% | 2.4% |
| Insurance | 2.6% | 4.8% |
| Pharmaceuticals & Biotechnology | 4.3% | 1.5% |
| IT - Software | 4.0% | 2.2% |
| Healthcare Services | 0.1% | 3.9% |
| Retailing | 3.8% | 1.5% |
| Telecom - Services | 3.3% | 3.0% |
The six largest sectors of each fund's stocks, % of the fund.
SBI Balanced Advantage vs Tata Balanced Advantage: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | SBI Balanced Advantage Fund | Tata Balanced Advantage Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.86% | 0.69% |
| Base expense ratio (Direct) | 0.60% | 0.50% |
| Total expense ratio (Regular) | 1.67% | 1.86% |
| Base expense ratio (Regular) | 1.29% | 1.52% |
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
Compare SBI Balanced Advantage with
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SBI Balanced Advantage Fund vs Tata Balanced Advantage Fund: Frequently Asked Questions
What is the difference between SBI Balanced Advantage Fund and Tata Balanced Advantage Fund?
Both are Balanced Advantage funds, run by SBI Mutual Fund and Tata Mutual Fund. Their portfolios overlap 28.8%. SBI Balanced Advantage Fund charges 0.86% a year and Tata Balanced Advantage Fund 0.69%.
Which has given higher returns, SBI Balanced Advantage Fund or Tata Balanced Advantage Fund?
Over 1 year: SBI Balanced Advantage Fund −3.13%, Tata Balanced Advantage Fund −4.29%. Over 3 years: SBI Balanced Advantage Fund +9.33% a year, Tata Balanced Advantage Fund +7.38% a year. Over 5 years: SBI Balanced Advantage Fund +9.41% a year, Tata Balanced Advantage Fund +7.88% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, SBI Balanced Advantage Fund or Tata Balanced Advantage Fund?
Tata Balanced Advantage Fund charges less: 0.69% a year against 0.86%. These are the Direct plans' total expense ratios reported to AMFI.
How much do SBI Balanced Advantage Fund and Tata Balanced Advantage Fund overlap?
28.8%. They hold 30 of the same securities, the largest shared ones being RELIANCE, HDFCBANK, ICICIBANK. From each fund's latest monthly portfolio.
Which is riskier, SBI Balanced Advantage Fund or Tata Balanced Advantage Fund?
On SEBI's riskometer, SBI Balanced Advantage Fund is rated High and Tata Balanced Advantage Fund Very High. Over 3 years, the standard deviation of daily returns was 6.81% and 7.55% a year.
Which is better for SIP, SBI Balanced Advantage Fund or Tata Balanced Advantage Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹7,46,857 in SBI Balanced Advantage Fund (XIRR 7.9% a year) and ₹7,12,542 in Tata Balanced Advantage Fund (XIRR 6.1% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both SBI Balanced Advantage Fund and Tata Balanced Advantage Fund?
Yes. 28.8% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages SBI Balanced Advantage Fund and Tata Balanced Advantage Fund?
SBI Balanced Advantage Fund: Dinesh Balachandran, Anup Upadhyay. Tata Balanced Advantage Fund: Rahul Singh, Sailesh Jain, Murthy Nagarajan, Amit Somani.
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.