Loading mutual fund details…
BANK OF INDIA BALANCED ADVANTAGE FUND REGULAR PLAN GROWTH is a hybrid scheme managed by Bank of India Mutual Fund. Over rolling three-year windows since inception, investors earned a median compounded return of 12.05%, with the bottom and top quartiles at 11.06% and 13.84% respectively. It has ranked in the top half of its category for 4 of the last 11 reported years. Risk-adjusted return (Sharpe ratio) is 0.00. The total expense ratio is 2.48% on assets of ₹153Cr. The fund is currently managed by Mr. Alok Singh, appointed within the last year.
Lower is better.
This scheme classifies as Large-Value on the 3x3 equity style box, with 100% of its portfolio classified as of 2026-04-30.
| Holding | Sector |
|---|
| Window | Min | P25 | Median |
|---|
Point-in-time CAGRs cherry-pick a single start date. The chart below shows the distribution of every possible rolling start over the fund's history, so you see the range of investor outcomes — not just one date's number.
Backtested SIP outcomes across both rolling-window scenarios and named historical stress events (COVID, Election uncertainty, Russia/Ukraine, etc.), plus per-manager alpha during their tenure on this scheme.
Same fund, monthly SIPs over rolling 1/3/5-year windows.
| Scheme | AMC | AUM | TER | 3Y |
|---|
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future results. MintByte is an AMFI-registered Mutual Fund Distributor (ARN-314872) and APMI member (APRN-01658). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Star ratings on this page reflect a 3-year category-quartile position computed in-house and are educational only.
Mutual fund schemes are subject to market risk. Read all scheme-related documents carefully before investing. Past performance is not indicative of future results. MintByte is an AMFI-registered mutual fund distributor (ARN-314872). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Not investment advice. Methodology · How we earn.
In-house derivations using 3-year daily NAV vs benchmark. See methodology.
| Weight |
|---|
| Shriram Finance Limited | Financial Services | 2.04% |
| Muthoot Finance Ltd. | Financial Services | 1.65% |
| Bajaj Finance Limited | Financial Services | 1.37% |
| Vedanta Ltd. | Basic Materials | 1.30% |
| Kotak Mahindra Bank Limited | Financial Services | 1.11% |
| Bank of Baroda | Financial Services | 0.47% |
| Tata Motors Limited | Consumer Cyclical | 0.32% |
| Sector | Holdings | Weight |
|---|---|---|
| Banks | 2 | 12.24% |
| Transport Infrastructure | 2 | 6.10% |
| Power | 4 | 6.03% |
| Petroleum Products | 1 | 4.93% |
| Finance | 2 | 3.96% |
| Automobiles | 6 | 3.89% |
| IT - Software | 5 | 3.63% |
| Diversified FMCG | 2 | 2.72% |
| Telecom - Services | 1 | 2.53% |
| Pharmaceuticals & Biotechnology | 4 | 1.99% |
| Food Products | 2 | 1.94% |
| Consumer Durables | 2 | 1.91% |
| Ferrous Metals | 2 | 1.78% |
| Retailing | 2 | 1.50% |
| Construction | 1 | 1.50% |
| Aerospace & Defense | 1 | 1.42% |
| Non - Ferrous Metals | 1 | 1.29% |
| Cement & Cement Products | 2 | 1.22% |
| Insurance | 2 | 0.91% |
| Healthcare Services | 2 | 0.71% |
| Metals & Minerals Trading | 1 | 0.67% |
| Consumable Fuels | 1 | 0.55% |
| Oil | 1 | 0.54% |
| Agricultural Commercial & Construction Vehicles | 1 | 0.32% |
| Agricultural Food & other Products | 1 | 0.28% |
| Transport Services | 1 | 0.28% |
Active bets vs the average Hybrid fund. Biggest deviations shown first.
Accent bar = fund's actual sector weight. Vertical black tick = category average for the same sector. Green overlay = overweight, dashed red = underweight. The biggest active bets show first.
How crowded into the same stocks is this fund vs the largest fund in its category?
Category leader = highest-AUM scheme in the same SEBI category. A high overlap-of-weight number means the fund is concentrated into the same names as the leader (crowded); a low one means it's genuinely differentiated.
| P75 |
|---|
| Max |
|---|
| Positive % |
|---|
| 1Y | -4.73% | 5.51% | 11.09% | 15.44% | 29.40% | 91.6% |
| 3Y | 6.70% | 11.06% | 12.05% | 13.84% | 16.35% | 100.0% |
| 5Y | 9.30% | 10.42% | 11.03% | 11.37% | 12.55% | 100.0% |
Each cell is one year. Q1 = top quartile within the AMFI category for that period. Cell label is the last two digits of the year.
Top-10 weight 8.3% means the portfolio is broad — even the top names don't dominate. Effective-N is the inverse Herfindahl index — a measure of "how many positions effectively drive the fund" after weighting. Category: Hybrid.
Compounding maths on a notional ₹10 lakh lumpsum at 12% gross annual return. Green bar is what you'd have without the fee; red overlay is the fee drag. Fee is constant in this scenario — actual outcomes depend on real returns and any future TER changes.
Each row is a back-tested SIP — monthly contribution over the regime's duration, no fees adjustment beyond NAV-baked TER. XIRR is the annualised IRR of those cashflows; Abs return is the absolute cash-on-cash; Max DD is the deepest drawdown experienced mid-investment. Past performance is not indicative of future results.
Alpha is the annualised excess return vs benchmark over the manager's tenure on this scheme. Beat-benchmark = total return beat the index over the same window.
| 5Y |
|---|
| Star |
|---|