Home Mf Research Bank Of India Balanced Advantage Fund Regular Plan Growth

Bank of India Balanced Advantage Fund - Regular Plan - Growth

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Fund info
NAV (as on 2025-07-18)
24.85 -0.35%
AUM (Fund Size)
70
Expense Ratio
2.51%
Exit load
• For redemption/switch out of initial units allotted within 3 months from the date of allotment : 1% Exit Load • Any redemption/switch out from the date of allotment of units after 3 months: NIL
Risk
Very High
AMC
BANK OF INDIA MUTUAL FUND
View AMC Details

SIP Returns

Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-07-11 ₹1,000.00 ₹997.65
-0.24 %
Two Week 2025-07-03 ₹1,000.00 ₹989.96
-1.00 %
One Month 2025-06-18 ₹1,000.00 ₹1,007.86
0.79 %
Three Months 2025-04-21 ₹3,000.00 ₹3,048.26
1.61 %
Six Months 2025-01-20 ₹6,000.00 ₹6,255.71
4.26 %
One Year 2024-07-18 ₹12,000.00 ₹12,319.27
2.66 %
Three Year 2022-07-19 ₹36,000.00 ₹41,883.56
16.34 %
Five Year 2020-07-20 ₹60,000.00 ₹79,300.19
32.17 %
Ten Year 2015-07-21 ₹120,000.00 ₹187,450.23
56.21 %
Since Inception 2014-03-14 ₹139,000.00 ₹226,058.93
62.63 %

Return Calculator

SIP Amount
1M
6M
1Y
3Y
5Y
Investment
₹0
Maturity Value
₹0
Abs. Returns
0
Current CAGR
0

Portfolio

Allocation of Equity and Debt Asset Classes.

Equity 44%
Debt 18%
Others 0%

Sectors Holding in Bank of India Balanced Advantage Fund - Regular Plan - Growth

Banks
18%
Petroleum Products
5%
Telecom - Services
2%
Power
4%
Diversified FMCG
1%
Construction
1%
Transport Infrastructure
2%
Diversified Metals
1%
Finance
3%
IT - Software
2%
Aerospace & Defense
1%
Ferrous Metals
1%
Consumer Durables
1%
Realty
1%
Automobiles
1%
Pharmaceuticals & Biotechnology
0%
Non - Ferrous Metals
0%
Retailing
0%
Cement & Cement Products
0%
Insurance
0%
Metals & Minerals Trading
0%
Consumable Fuels
0%
Food Products
0%
Oil
0%
Electrical Equipment
0%
Healthcare Services
0%
Agricultural Food & Other Products
0%
Other
15%

Companies Holding in Bank of India Balanced Advantage Fund - Regular Plan - Growth

HDFC Bank Limited
7.27%
Reliance Industries Limited
5.37%
ICICI Bank Limited
5.28%
State Bank Of India
4.05%
Bharti Airtel Limited
2.73%
NTPC Limited
1.90%
ITC Limited
1.90%
Larsen & Toubro Limited
1.84%
Adani Ports And Special Economic Zone Limited
1.72%
IndiGRID Infrastructure Trust
1.60%
IRB InvIT Fund
1.58%
Axis Bank Limited
1.54%
Vedanta Limited
1.53%
Shriram Finance Limited
1.53%
Bajaj Finance Limited
1.47%
Infosys Limited
1.46%
Tata Consultancy Services Limited
1.45%
Bharat Electronics Limited
1.39%
Kotak Mahindra Bank Limited
1.31%
Tata Steel Limited
1.27%
Titan Company Limited
1.24%
Power Grid Corporation Of India Limited
1.18%
Tata Power Company Limited
1.18%
DLF Limited
1.18%
Mahindra & Mahindra Limited
1.02%
REC Limited
1.01%
Dr. Reddy's Laboratories Limited
0.99%
HCL Technologies Limited
0.93%
Hindalco Industries Limited
0.87%
Tech Mahindra Limited
0.85%
Sun Pharmaceutical Industries Limited
0.84%
Hindustan Unilever Limited
0.84%
Eternal Limited
0.78%
Hero MotoCorp Limited
0.78%
JSW Steel Limited
0.77%
Bank Of Baroda
0.77%
Trent Limited
0.76%
UltraTech Cement Limited
0.74%
Maruti Suzuki India Limited
0.72%
SBI Life Insurance Company Limited
0.70%
Adani Enterprises Limited
0.68%
Tata Motors Limited
0.61%
Bajaj Auto Limited
0.57%
Grasim Industries Limited
0.53%
Asian Paints Limited
0.52%
Coal India Limited
0.50%
Nestle India Limited
0.47%
Oil & Natural Gas Corporation Limited
0.47%
Siemens Limited
0.47%
Apollo Hospitals Enterprise Limited
0.45%
Divi's Laboratories Limited
0.44%
Cipla Limited
0.41%
HDFC Life Insurance Company Limited
0.40%
Wipro Limited
0.39%
Eicher Motors Limited
0.37%
Jio Financial Services Limited
0.34%
Tata Consumer Products Limited
0.29%
IndusInd Bank Limited
0.27%
Bajaj Finserv Limited
0.06%
Siemens Energy India Limited
0.36%
7.68% National Bank For Agriculture And Rural Development (30/04/2029)
3.72%
7.47% Small Industries Dev Bank Of India (05/09/2029)
3.70%
7.37% Indian Railway Finance Corporation Limited (31/07/2029)
2.96%
7.18% Government Of India (14/08/2033)
2.80%
7.1% Government Of India (18/04/2029)
1.88%
7.35% Export Import Bank Of India (27/07/2028)
1.47%
AU Small Finance Bank Limited (01/10/2025)
3.52%
364 Days Tbill (MD 15/01/2026)
0.35%
TREPS
3.74%
Net Receivables / (Payables)
0.92%

Risk Ratios

Std. Deviation N/A
Beta N/A
Sharpe Ratio N/A
Lock In Period N/A
Residual Maturity N/A

Standard Deviation:

Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.

Beta:

Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.

Sharpe Ratio:

The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.

Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.

Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.

Risk-O-Meter

Investors understand that their principal will be at
Very High

Scheme Details

Min. SIP Amount
N/A
Min. Lumpsum Amount
N/A
AUM (in Cr.)
N/A
Expense Ratio Regular
2.51
Expense Ratio Direct
1.40
Lock-in Period
N/A
Fund Age
N/A
Benchmark
N/A
Fund managers
Alok Singh
Around 20 years, including 16 years in mutual fund industry Experience

Exit load

• For redemption/switch out of initial units allotted within 3 months from the date of allotment : 1% Exit Load • Any redemption/switch out from the date of allotment of units after 3 months: NIL

FAQs

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