Bank of India Balanced Advantage Fund Regular Growth
HybridDynamic Asset AllocationVery High Risk
Regular
NAV (18-Jun-25)
Returns (Since Inception)
Fund Overview
Fund Size
₹139 Cr
Expense Ratio
2.30%
ISIN
INF761K01BR9
Minimum SIP
₹1,000
Exit Load
1.00%
Inception Date
14 Mar 2014
About this fund
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹24.66, Assets Under Management (AUM) of 139.06 Crores, and an expense ratio of 2.3%.
- Bank of India Balanced Advantage Fund Regular Growth has given a CAGR return of 8.34% since inception.
- The fund's asset allocation comprises around 74.99% in equities, 16.87% in debts, and 8.14% in cash & cash equivalents.
- You can start investing in Bank of India Balanced Advantage Fund Regular Growth with a SIP of ₹1000 or a Lumpsum investment of ₹5000.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
-0.48%
+5.20% (Cat Avg.)
3 Years
+13.63%
+15.31% (Cat Avg.)
5 Years
+12.12%
+14.70% (Cat Avg.)
10 Years
+7.21%
+10.01% (Cat Avg.)
Since Inception
+8.34%
— (Cat Avg.)
Portfolio Summaryas of 31st May 2025
| Equity | ₹104.28 Cr | 74.99% |
| Debt | ₹23.46 Cr | 16.87% |
| Others | ₹11.33 Cr | 8.14% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| HDFC Bank Ltd | Equity | ₹10.11 Cr | 7.27% |
| Reliance Industries Ltd | Equity | ₹7.47 Cr | 5.37% |
| ICICI Bank Ltd | Equity | ₹7.34 Cr | 5.28% |
| State Bank of India | Equity | ₹5.64 Cr | 4.05% |
| Treps | Cash - Repurchase Agreement | ₹5.2 Cr | 3.74% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹5.17 Cr | 3.72% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹5.14 Cr | 3.70% |
| Au Small Finance Bank Limited | Cash - CD/Time Deposit | ₹4.89 Cr | 3.52% |
| Indian Railway Finance Corporation Limited | Bond - Corporate Bond | ₹4.11 Cr | 2.96% |
| 7.18% Govt Stock 2033 | Bond - Gov't/Treasury | ₹3.89 Cr | 2.80% |
| Bharti Airtel Ltd | Equity | ₹3.79 Cr | 2.73% |
| NTPC Ltd | Equity | ₹2.64 Cr | 1.90% |
| ITC Ltd | Equity | ₹2.64 Cr | 1.90% |
| 7.1% Govt Stock 2029 | Bond - Gov't/Treasury | ₹2.61 Cr | 1.88% |
| Larsen & Toubro Ltd | Equity | ₹2.56 Cr | 1.84% |
| Adani Ports & Special Economic Zone Ltd | Equity | ₹2.39 Cr | 1.72% |
| IndiGrid Infrastructure Trust Units Series - IV | Equity | ₹2.22 Cr | 1.60% |
| IRB InvIT Fund Units 2017-Series IV | Equity | ₹2.2 Cr | 1.58% |
| Axis Bank Ltd | Equity | ₹2.14 Cr | 1.54% |
| Vedanta Ltd | Equity | ₹2.13 Cr | 1.53% |
| Shriram Finance Ltd | Equity | ₹2.13 Cr | 1.53% |
| Bajaj Finance Ltd | Equity | ₹2.05 Cr | 1.47% |
| Export Import Bank Of India | Bond - Corporate Bond | ₹2.05 Cr | 1.47% |
| Infosys Ltd | Equity | ₹2.03 Cr | 1.46% |
| Tata Consultancy Services Ltd | Equity | ₹2.02 Cr | 1.45% |
| Bharat Electronics Ltd | Equity | ₹1.93 Cr | 1.39% |
| Kotak Mahindra Bank Ltd | Equity | ₹1.83 Cr | 1.31% |
| Tata Steel Ltd | Equity | ₹1.76 Cr | 1.27% |
| Titan Co Ltd | Equity | ₹1.73 Cr | 1.24% |
| Power Grid Corp Of India Ltd | Equity | ₹1.65 Cr | 1.18% |
| Tata Power Co Ltd | Equity | ₹1.64 Cr | 1.18% |
| DLF Ltd | Equity | ₹1.64 Cr | 1.18% |
| Mahindra & Mahindra Ltd | Equity | ₹1.42 Cr | 1.02% |
| REC Ltd | Equity | ₹1.41 Cr | 1.01% |
| Dr Reddy's Laboratories Ltd | Equity | ₹1.38 Cr | 0.99% |
| HCL Technologies Ltd | Equity | ₹1.3 Cr | 0.93% |
| Net Receivables / (Payables) | Cash | ₹1.24 Cr | 0.89% |
| Hindalco Industries Ltd | Equity | ₹1.2 Cr | 0.87% |
| Tech Mahindra Ltd | Equity | ₹1.18 Cr | 0.85% |
| Sun Pharmaceuticals Industries Ltd | Equity | ₹1.17 Cr | 0.84% |
| Hindustan Unilever Ltd | Equity | ₹1.17 Cr | 0.84% |
| Eternal Ltd | Equity | ₹1.09 Cr | 0.78% |
| Hero MotoCorp Ltd | Equity | ₹1.08 Cr | 0.78% |
| JSW Steel Ltd | Equity | ₹1.08 Cr | 0.77% |
| Bank of Baroda | Equity | ₹1.07 Cr | 0.77% |
| Trent Ltd | Equity | ₹1.06 Cr | 0.76% |
| UltraTech Cement Ltd | Equity | ₹1.02 Cr | 0.74% |
| Maruti Suzuki India Ltd | Equity | ₹1.01 Cr | 0.72% |
| SBI Life Insurance Co Ltd | Equity | ₹0.98 Cr | 0.70% |
| Adani Enterprises Ltd | Equity | ₹0.95 Cr | 0.68% |
| Tata Motors Ltd | Equity | ₹0.85 Cr | 0.61% |
| Bajaj Auto Ltd | Equity | ₹0.79 Cr | 0.57% |
| Grasim Industries Ltd | Equity | ₹0.73 Cr | 0.53% |
| Asian Paints Ltd | Equity | ₹0.72 Cr | 0.52% |
| Coal India Ltd | Equity | ₹0.69 Cr | 0.50% |
| Nestle India Ltd | Equity | ₹0.66 Cr | 0.47% |
| Oil & Natural Gas Corp Ltd | Equity | ₹0.66 Cr | 0.47% |
| Siemens Ltd | Equity | ₹0.65 Cr | 0.47% |
| Apollo Hospitals Enterprise Ltd | Equity | ₹0.62 Cr | 0.45% |
| Divi's Laboratories Ltd | Equity | ₹0.61 Cr | 0.44% |
| Cipla Ltd | Equity | ₹0.58 Cr | 0.41% |
| HDFC Life Insurance Co Ltd | Equity | ₹0.55 Cr | 0.40% |
| Wipro Ltd | Equity | ₹0.55 Cr | 0.39% |
| Eicher Motors Ltd | Equity | ₹0.51 Cr | 0.37% |
| Siemens Engy Ind | Equity | ₹0.5 Cr | 0.36% |
| 364 DTB 15012026 | Bond - Gov't/Treasury | ₹0.48 Cr | 0.35% |
| Jio Financial Services Ltd | Equity | ₹0.48 Cr | 0.34% |
| Tata Consumer Products Ltd | Equity | ₹0.41 Cr | 0.29% |
| IndusInd Bank Ltd | Equity | ₹0.38 Cr | 0.27% |
| Bajaj Finserv Ltd | Equity | ₹0.09 Cr | 0.06% |
Allocation By Market Cap (Equity)
Large Cap Stocks
70.74%
Mid Cap Stocks
0.72%
Small Cap Stocks
--
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹36.2 Cr | 26.03% |
| Energy | ₹9.77 Cr | 7.02% |
| Industrials | ₹9.73 Cr | 7.00% |
| Consumer Cyclical | ₹9.56 Cr | 6.87% |
| Basic Materials | ₹8.65 Cr | 6.22% |
| Utilities | ₹8.15 Cr | 5.86% |
| Technology | ₹7.08 Cr | 5.09% |
| Consumer Defensive | ₹4.88 Cr | 3.51% |
| Healthcare | ₹4.35 Cr | 3.13% |
| Communication Services | ₹3.79 Cr | 2.73% |
| Real Estate | ₹1.64 Cr | 1.18% |
Risk & Performance Ratios
Standard Deviation
This fund
10.19%
Cat. avg.
8.36%
Lower the better
Sharpe Ratio
This fund
0.50
Cat. avg.
0.82
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
1.41
Higher the better
Fund Managers
Alok Singh
Since December 2021
Additional Scheme Detailsas of 31st May 2025
ISIN | INF761K01BR9 | Expense Ratio | 2.30% | Exit Load | 1.00% | Fund Size | ₹139 Cr | Age | 11 years 3 months | Lumpsum Minimum | ₹5,000 | Fund Status | Open Ended Investment Company | Benchmark | Nifty Composite Debt Index TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
- If units are sold after 1 year from the date of investment: Gains up to INR 1.25 lakh in a financial year are exempt from tax. Any gains exceeding INR 1.25 lakh are taxed at a rate of 12.5%.
- If units are sold within 1 year from the date of investment: The entire amount of gain is taxed at a rate of 20%.
- Holding the units: No tax is applicable as long as you continue to hold the units.
Dividend Taxation:
Dividends are added to the investor’s income and taxed according to their respective tax slabs. Additionally, if an investors dividend income exceeds INR 5,000 in a financial year, the fund house deducts a 10% Tax Deducted at Source (TDS) before distributing the dividend.
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Dynamic Asset Allocation Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Unifi Dynamic Asset Allocation Fund Direct Growth Moderate Risk | 0.9% | 1.0% | ₹640.17 Cr | - |
| Unifi Dynamic Asset Allocation Fund Regular Growth Moderate Risk | 1.5% | 1.0% | ₹640.17 Cr | - |
| Canara Robeco Balanced Advantage Fund Regular Growth Very High Risk | 2.1% | 1.0% | ₹1485.86 Cr | - |
| Canara Robeco Balanced Advantage Fund Direct Growth Very High Risk | 0.6% | 1.0% | ₹1485.86 Cr | - |
| Helios Balanced Advantage Fund Direct Growth Very High Risk | 0.9% | 1.0% | ₹304.96 Cr | 3.4% |
| Helios Balanced Advantage Fund Regular Growth Very High Risk | 2.4% | 1.0% | ₹304.96 Cr | 1.8% |
| Parag Parikh Dynamic Asset Allocation Fund Regular Growth Moderate Risk | 0.6% | 1.0% | ₹2104.51 Cr | 8.1% |
| Parag Parikh Dynamic Asset Allocation Fund Direct Growth Moderate Risk | 0.3% | 1.0% | ₹2104.51 Cr | 8.4% |
| Samco Dynamic Asset Allocation Fund Direct Growth Very High Risk | 0.8% | 1.0% | ₹452.79 Cr | -2.7% |
| Samco Dynamic Asset Allocation Fund Regular Growth Very High Risk | 2.4% | 1.0% | ₹452.79 Cr | -4.2% |
About the AMC
Total AUM
₹10,605 Cr
Address
B/204, Tower 1, Peninsula Corporate Park, Mumbai, 400 013
Other Funds by BOI Mutual Fund
Risk Level
Your principal amount will be at Very High Risk
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- Alok Singh
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