Bank of India Balanced Advantage Fund
Direct · Growth ₹28.71
06 Jul 2026
NAV
8.3%
3Y CAGR
7.5%
5Y CAGR
8.3%
10Y CAGR
8.1%
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.
2.92
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.
NA
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 | ₹12.47 L | 8.6% | -24.8% | 36.1% |
| 3 Years | ₹36.00 L | ₹40.78 L | 8.4% | -9.9% | 21.4% |
| 5 Years | ₹60.00 L | ₹74.06 L | 8.1% | -3.6% | 17.5% |
| 7 Years | ₹84.00 L | ₹1.15 Cr | 8.9% | 3.3% | 13.8% |
| 10 Years | ₹1.20 Cr | ₹1.95 Cr | 9.6% | 7.9% | 11.1% |
| 12 Years | ₹1.44 Cr | ₹2.48 Cr | 8.7% | 8.1% | 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 | 8.6% | 14.5% | 10.8% | -5.8% |
| 3 Years | 8.4% | 11.2% | 11.2% | -2.8% |
| 5 Years | 8.1% | 10.4% | 11.5% | -2.4% |
| 7 Years | 8.9% | 10.6% | 11.4% | -1.7% |
| 10 Years | 9.6% | 11.5% | 11.4% | -1.9% |
| 12 Years | 8.7% | 11.4% | 11.7% | -2.6% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 8.5% | 8.3% | -16.8% | 31.2% | 0.25 | 0.45 | 86% | — | — |
| 3 Years | 8.3% | 8.8% | -3.0% | 17.5% | 0.37 | 0.72 | 97% | — | — |
| 5 Years | 7.5% | 5.9% | 0.8% | 14.6% | 0.30 | 0.69 | 100% | — | — |
| 10 Years | 8.3% | 8.2% | 6.9% | 9.6% | 2.92 | — | 100% | — | — |
-17.8%
Max Drawdown
19 mo
Drawdown Duration
8 mo
Recovery Time
-2.2%
Avg Drawdown
Calmar Ratio by Duration
0.48
1Y
0.47
3Y
0.42
5Y
0.42
7Y
0.47
10Y
0.47
12Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +6.47 | 0.60 | 67.3% | 55.8% | 9.2% | 0.2% |
| 3 Years | +2.92 | 0.72 | 74.5% | 68.8% | 10.9% | 8.5% |
| 5 Years | +3.42 | 0.65 | 67.3% | 60.7% | 11.5% | 9.0% |
| 7 Years | +1.64 | 0.48 | 53.1% | 48.5% | 11.0% | 12.5% |
| 10 Years | -0.61 | 0.45 | 46.9% | 43.7% | 8.0% | 11.2% |
| 12 Years | +0.27 | 0.43 | 45.2% | 40.9% | 8.4% | 10.3% |
| 15 Years | -0.36 | 0.44 | 45.4% | 40.9% | 7.3% | 9.2% |
56
Total Holdings
26.9%
Top 10 Weight
26
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | Reliance Industries Limited | 5.05% |
| 2 | ICICI Bank Limited | 3.97% |
| 3 | HDFC Bank Limited | 3.16% |
| 4 | Bharti Airtel Limited | 2.61% |
| 5 | ITC Limited | 2.47% |
| 6 | NTPC Limited | 2.10% |
| 7 | Shriram Finance Limited | 2.07% |
| 8 | State Bank of India | 2.00% |
| 9 | Adani Ports and Special Economic Zone Limited | 1.98% |
| 10 | Axis Bank Limited | 1.49% |