BANK OF INDIA BALANCED ADVANTAGE FUND REGULAR PLAN GROWTH
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 93% of 3-year investment horizons.
- Strong capital defense: downside capture of 57% limits losses during market corrections.
- Over 13 years of operational history across different market cycles.
- Equities carry market risk; returns fluctuate and recommended investment horizon is 5+ years.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +4.71% | +5.51% | -0.80% |
| 3 Months | -0.32% | +1.29% | -1.61% |
| 6 Months | +2.17% | +5.25% | -3.08% |
| 1 Year | +3.23% | +2.38% | +0.85% |
| 3 Years CAGR | +9.06% | +9.06% | 0.00% |
| 5 Years CAGR | +9.63% | +7.86% | +1.77% |
| 7 Years CAGR | +9.21% | +9.53% | -0.32% |
| 10 Years CAGR | +7.13% | +8.99% | -1.86% |
| Since Inception | +7.94% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in BANK OF INDIA BALANCED ADVANTAGE FUND compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +1.71% | +1.91% | -0.20% |
| 2025 | +8.51% | +5.68% | +2.83% |
| 2024 | +6.42% | +12.82% | -6.40% |
| 2023 | +18.41% | +18.07% | +0.34% |
| 2022 | +15.73% | +2.58% | +13.15% |
| 2021 | +7.17% | +13.27% | -6.10% |
| 2020 | +6.69% | +13.64% | -6.95% |
| 2019 | -3.65% | +8.79% | -12.44% |
| 2018 | -0.09% | +1.01% | -1.10% |
| 2017 | +13.20% | +17.26% | -4.06% |
| 2016 | +4.99% | +4.19% | +0.80% |
| 2015 | +5.78% | +4.09% | +1.69% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -17.09% | +7.64% | +7.42% | +29.40% | 83.5% | 32.6% |
| 3-Year Rolling | -3.65% | +7.57% | +8.08% | +16.36% | 93.3% | 17.1% |
| 5-Year Rolling | +0.21% | +6.88% | +5.43% | +13.64% | 100.0% | 6.8% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2018-08-27 | 2020-03-23 | -18.6% | 19 months | 9 months |
| 2024-09-27 | 2025-02-28 | -13.2% | 5 months | 9 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity and Equity Related Instruments - 00% to 100% Debt and Money Market instruments - 00% to 100% | Per Scheme Mandate |
Investment Objective & Strategy
Bank of India Balanced Advantage Fund aims at providing long term capital appreciation / income from a dynamic mix of equity and debt investments. There is no assurance that the investment objectives of the Scheme will be realized and the Scheme does not assure or guarantee any returns.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 183 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as small relative to Balanced Advantage schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Balanced Advantage Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| Invesco India Balanced Advantage Fund | 3.5 | +8.89% | 2.40% | 57.0% | Rs 952 cr | Compare → |
| Union Balanced Advantage Fund | 3.7 | +8.33% | 2.50% | 51.4% | Rs 1,202 cr | Compare → |
| UTI Balanced Advantage Fund | 5.0 | +8.80% | 1.99% | 58.1% | Rs 3,041 cr | Compare → |
| LIC MF Balanced Advantage Fund | 3.4 | +7.75% | 2.91% | 53.3% | Rs 672 cr | Compare → |
| HSBC Balanced Advantage Fund | 5.0 | +8.75% | 2.46% | 36.0% | Rs 1,507 cr | Compare → |
Frequently Asked Questions about BANK OF INDIA BALANCED ADVANTAGE FUND
What is the expense ratio of BANK OF INDIA BALANCED ADVANTAGE FUND?
BANK OF INDIA BALANCED ADVANTAGE FUND has a total expense ratio (TER) of 2.67% with a base expense ratio of 2.1%, compared to the Balanced Advantage category median of 2.40%.
Who manages BANK OF INDIA BALANCED ADVANTAGE FUND?
BANK OF INDIA BALANCED ADVANTAGE FUND is managed by Alok Singh (tenure: 4.9 years since 2021-12-01).
What are the historical returns of BANK OF INDIA BALANCED ADVANTAGE FUND?
BANK OF INDIA BALANCED ADVANTAGE FUND delivered a 3-year CAGR of 9.06% and a 5-year CAGR of 9.63%. Its 1-year return stands at +3.23%.
How large is BANK OF INDIA BALANCED ADVANTAGE FUND?
BANK OF INDIA BALANCED ADVANTAGE FUND manages assets of Rs 183 cr, placing it in the 'small' size band relative to Balanced Advantage peers.
How is BANK OF INDIA BALANCED ADVANTAGE FUND scored on MFIQ?
BANK OF INDIA BALANCED ADVANTAGE FUND holds an MFIQ Score of 3.9/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is BANK OF INDIA BALANCED ADVANTAGE FUND?
BANK OF INDIA BALANCED ADVANTAGE FUND has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 9.92% with a maximum historical drawdown of -18.60%.