Sharpe ratio
0.29Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+4.09%1Y Absolute Return
-0.31%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| BANK OF INDIA BALANCED ADVANTAGE FUND DIRECT PLAN GROWTHFund 5Y annualised return | ₹9,52,560 | ₹7,32,612 | ₹2,19,948 | +10.71% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.09
₹1 Lakh since launch₹1.09 Lakh
Fund age12.6 yrs
Fund information
Scheme code127850
ISININF761K01BO6
BenchmarkNIFTY 50 Hybrid Composite Debt 50:50 Index
CategoryHybrid Scheme - Dynamic Asset Allocation or Balanced Advantage
Expense ratio1.40%
Exit loadExit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months.
Minimum SIP₹1,000 SIP
Return comparison
29th / 145 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +73.52% | — | — |
| 3M | +0.71% | — | — |
| 6M | +7.04% | — | — |
| 1Y | +4.09% | — | +0.31% |
| 3Y | +10.22% | — | +7.18% |
| 5Y | +10.71% | — | +6.13% |
| 10Y | +8.02% | — | — |
| Since Launch | +8.74% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.42Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
8.60%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.49How well the fund rewarded investors relative to its biggest decline.
Low
Returns have been modest compared to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Equity65.65%
Debt18.64%
Cash10.71%
Real Estate5.00%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 73 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Repo | Unspecified | Repo | 22.79% |
| NIFTY July 2026 Future | Financial | Index Derivatives | 12.87% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 4.01% |
| ICICI Bank Ltd | Financial | Equity | 3.73% |
| IRB InvIT Fund EQ | Industrials | Infrastructure Investment Trust | 3.43% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR F24 7.68 BD 30AP29 FVRS1LAC | Financial | Debenture | 2.98% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR II 7.47 BD 05SP29 FVRS1LAC | Financial | Bonds/NCDs | 2.97% |
| HDFC Bank Ltd | Financial | Equity | 2.84% |
| GOVERNMENT OF INDIA 37458 364 DAYS TBILL 28MY27 FV RS 100 | Financial | Treasury Bills | 2.52% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 181 7.37 BD 31JL29 FVRS1LAC | Financial | Non Convertible Debenture | 2.38% |
Fund management
AL
Alok Singh
Since 2021 · Prior to joining Bank of India AMC he has worked with BNP Paribas Asset Management and Axis Bank
Mr. Singh is a CFA and PGDBA from ICFAI Business School.
Compare similar funds
No comparable category funds are available yet.
Summary
A very high-risk hybrid scheme - dynamic asset allocation or balanced advantage fund. Ahead of its category average over 3Y by 3.0 points.
Strengths
- Ahead of its category average over 3Y by 3.0 points.
- Well spread out — top 10 holdings are only 24% of the portfolio.
- Ranks 29 of 145 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 4–5+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 8.6% volatility.
Risk drivers
- None