Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published
NAV history for this scheme.
Risk
Volatility
Sharpe
Sortino
Beta
Alpha
Max fall
R²
This scheme
9.5%
0.30
0.47
0.64
0.33%
-18.6%
92.47
Nifty 100 benchmark
14.4%
0.28
0.40
—
—
-37.0%
—
Risk-free rate 6.5%. Beta, alpha and R² are regressed on the
36 months this scheme and its benchmark share.
Growth of ₹100 since launch
Drawdown from peak (%)
Every one-year period it has lived through
Windows
Worst
Median
Best
Periods that lost money
2,811
-17.3%
7.5%
29.4%
16%
Every one-year holding period in this scheme's history, not just the last one — the
spread a real investor would have met depending only on when they started.
How it behaves against its benchmark
Up capture
Down capture
Correlation
Tracking error
Information ratio
Treynor
73%
62%
0.96
5.8%
-0.20
4.61
Up capture is how much of the benchmark's gain this scheme kept in the months the
benchmark rose; down capture, how much of its fall it took. Below 100 on the down side and above it
on the up side is the combination every fund is trying for and few reach.
Measured over the 36 months this scheme and
Nifty 100 share.
BANK OF INDIA BALANCED ADVANTAGE FUND
Regular Plan · Growth
Allocation
By asset
Equity
51.63%
Debt
27.61%
Cash & Equivalents
17.20%
REITs / InvITs
3.56%
By market cap
Large Cap
43.49%
Mid Cap
3.85%
Small Cap
2.46%
Unclassified
33.00%
Concentration
Number of stocks
79
Top 5 stocks
16.14%
Top 10 stocks
28.69%
Top 20 stocks
46.01%
Lines in the filing
81
Largest holding
3.56%
Largest sector
Banks 9.99%
Effective stocks
68.9
Sectors held
35
Cash
17.20%
Effective stocks is what the concentration works out to: a fund holding
79 names but most of its money in a few
behaves like a fund of 69. Cash includes repo and TREPS, which
every fund parks money in overnight.
Sector split
16.08%
Banks
9.99%
SOVEREIGN
8.54%
CRISIL AAA
7.98%
Transport Infrastructure
5.68%
CRISIL A1+
4.93%
Power
4.45%
ICRA AA+
3.56%
Finance
3.32%
Petroleum Products
3.24%
Automobiles
3.04%
CRISIL AA+
2.60%
IT - Software
2.53%
Pharmaceuticals & Biotechnology
2.34%
Non - Ferrous Metals
2.03%
Telecom - Services
1.84%
Diversified FMCG
1.81%
Consumer Durables
1.59%
Food Products
1.43%
Retailing
1.42%
BANK OF INDIA BALANCED ADVANTAGE FUND
Regular Plan · Growth · holdings
Top 30 holdings
#
Company
Sector
Shares held
Value ₹ cr
% of fund
1
TREPS
—
28
16.08%
2
IRB InvIT Fund
Transport Infrastructure
962,161
6
3.56%
3
6.94% Government of India (11/05/2036)
SOVEREIGN
600,000
6
3.40%
4
Reliance Industries Limited
Petroleum Products
47,489
6
3.24%
5
ICICI Bank Limited
Banks
40,615
5
3.09%
6
7.47% Small Industries Dev Bank of India (05/09/2029)
CRISIL AAA
500,000
5
2.85%
7
6.27% Power Finance Corporation Limited (15/07/2027)
CRISIL AAA
500,000
5
2.85%
8
Small Industries Dev Bank of India (20/08/2027)
CRISIL A1+
500,000
5
2.70%
9
364 Days Tbill (MD 28/05/2027)
SOVEREIGN
450,000
4
2.49%
10
7.37% Indian Railway Finance Corporation Limited (31/07/2029)
CRISIL AAA
400,000
4
2.28%
11
Punjab National Bank (12/03/2027)
CRISIL A1+
400,000
4
2.23%
12
State Bank of India
Banks
39,892
4
2.20%
13
Adani Ports and Special Economic Zone Limited
Transport Infrastructure
20,516
4
2.12%
14
8.65% Aadhar Housing Finance Limited (20/08/2027)
ICRA AA+
320,000
3
1.85%
15
Bharti Airtel Limited
Telecom - Services
18,167
3
1.84%
16
Shriram Finance Limited
Finance
32,202
3
1.82%
17
7.6% Torrent Pharmaceuticals Limited (19/01/2029)
ICRA AA+
300,000
3
1.71%
18
IndiGrid Infrastructure Trust
Power
150,924
3
1.49%
19
7.1% Government of India (18/04/2029)
SOVEREIGN
250,000
3
1.45%
20
8.9% Muthoot Finance Limited (07/10/2027)
CRISIL AA+
250,000
3
1.44%
21
NTPC Limited
Power
75,622
2
1.40%
22
HDFC Bank Limited
Banks
33,620
2
1.37%
23
ITC Limited
Diversified FMCG
88,731
2
1.34%
24
Titan Company Limited
Consumer Durables
4,555
2
1.20%
25
8.95% Vedanta Limited (16/03/2029)
CRISIL AA+
200,000
2
1.16%
26
Net Receivables / (Payables)
Unclassified
—
2
1.12%
27
Bajaj Finance Limited
Finance
20,333
2
1.12%
28
Axis Bank Limited
Banks
15,823
2
1.12%
29
Anand Rathi Wealth Limited
Capital Markets
9,000
2
1.10%
30
Britannia Industries Limited
Food Products
3,800
2
1.06%
BANK OF INDIA BALANCED ADVANTAGE FUND
Regular Plan · Growth · where the money sits
What the manager did last month
Between the filings of 30 Jun 2026 and 31 Jul 2026.
A position grows because the manager bought or because the price rose; only the share count separates them.
Bought
Sold
New positions
Sold out of
Price move of holdings
₹1 cr
₹2 cr
0
0
+2.73%
Stock
Shares traded
Shares
Price
Value ₹ cr
Added to
Dr. Reddy's Laboratories Limited
8,500
+170.0%
-15.4%
1.0
Trimmed
HDFC Bank Limited
15,400
-25.5%
-6.2%
1.2
JSW Steel Limited
6,342
-49.4%
+3.6%
0.8
Tata Steel Limited
15,000
-28.8%
+0.9%
0.3
Not equity
Previous filing
This filing
Change
Cash, repo and TREPS
₹0 cr
₹0 cr
+₹0 cr
Debt: bills, CDs and commercial paper
₹32 cr
₹32 cr
−₹0 cr
The list above is stocks and fund units. Treasury bills, repo and money-market
lines roll over every month by design — they are not decisions, so they are totalled here rather
than listed as activity.
A ₹10,000 monthly SIP over five years
Invested
Value
Gain
XIRR
₹600,000
₹747,806
₹147,806
8.75%
XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has
been invested for a different length of time.
Not investment advice. InvestVerdict is not a SEBI-registered Investment
Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the
portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past
returns do not predict future ones. Generated 31 Oct 2026.
