Bank of India Balanced Advantage Fund
Direct · Growth ₹28.23
04 Nov 2026
NAV
8.3%
3Y CAGR
7.6%
5Y CAGR
8.2%
10Y CAGR
8.0%
Weighted CAGR
?
Weighted Mean CAGR
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
2.75
Sharpe
-17.8%
Max Drawdown
?
Max Drawdown
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
1.31%
TER
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.46 L | 8.5% | -24.8% | 36.1% |
| 3 Years | ₹36.00 L | ₹40.69 L | 8.3% | -9.9% | 21.4% |
| 5 Years | ₹60.00 L | ₹74.08 L | 8.1% | -3.6% | 17.5% |
| 7 Years | ₹84.00 L | ₹1.16 Cr | 8.9% | 3.3% | 13.8% |
| 10 Years | ₹1.20 Cr | ₹1.94 Cr | 9.5% | 7.9% | 11.1% |
| 12 Years | ₹1.44 Cr | ₹2.47 Cr | 8.6% | 7.7% | 9.1% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY 50 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 8.5% | 14.3% | 7.3% | -5.8% |
| 3 Years | 8.3% | 11.0% | 10.9% | -2.7% |
| 5 Years | 8.1% | 10.4% | 11.1% | -2.3% |
| 7 Years | 8.9% | 10.6% | 11.5% | -1.6% |
| 10 Years | 9.5% | 11.4% | 11.6% | -1.9% |
| 12 Years | 8.6% | 11.3% | 11.6% | -2.7% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 8.4% | 8.1% | -16.8% | 31.2% | 0.24 | 0.43 | 86% | — | — |
| 3 Years | 8.3% | 8.8% | -3.0% | 17.5% | 0.38 | 0.74 | 97% | — | — |
| 5 Years | 7.6% | 6.1% | 0.8% | 14.6% | 0.33 | 0.78 | 100% | — | — |
| 10 Years | 8.2% | 8.1% | 6.9% | 9.6% | 2.75 | — | 100% | — | — |
-17.8%
Max Drawdown
19 mo
Drawdown Duration
8 mo
Recovery Time
-2.3%
Avg Drawdown
Calmar Ratio by Duration
0.47
1Y
0.47
3Y
0.43
5Y
0.43
7Y
0.46
10Y
0.46
12Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +3.04 | 0.57 | 62.5% | 55.8% | 3.7% | -3.8% |
| 3 Years | +2.28 | 0.70 | 72.1% | 67.1% | 9.9% | 8.1% |
| 5 Years | +4.13 | 0.66 | 69.4% | 62.2% | 10.5% | 6.3% |
| 7 Years | +1.35 | 0.49 | 54.0% | 49.7% | 10.0% | 10.9% |
| 10 Years | -0.90 | 0.46 | 47.2% | 44.4% | 7.7% | 11.2% |
| 12 Years | -0.02 | 0.44 | 45.3% | 41.4% | 7.8% | 9.4% |
| 15 Years | -0.46 | 0.44 | 45.5% | 41.3% | 7.2% | 9.2% |
62
Total Holdings
19.6%
Top 10 Weight
30
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | Reliance Industries Limited | 3.24% |
| 2 | ICICI Bank Limited | 3.09% |
| 3 | State Bank of India | 2.20% |
| 4 | Adani Ports and Special Economic Zone Limited | 2.12% |
| 5 | Bharti Airtel Limited | 1.84% |
| 6 | Shriram Finance Limited | 1.82% |
| 7 | NTPC Limited | 1.40% |
| 8 | HDFC Bank Limited | 1.37% |
| 9 | ITC Limited | 1.34% |
| 10 | Titan Company Limited | 1.20% |