Previously Known As : Bank Of India Equity Debt Rebalancer Fund
Bank Of India Balanced Advantage Fund Datagrid
Category Dynamic Asset Allocation or Balanced Advantage
BMSMONEY Rank 14
Rating
Growth Option 16-01-2026
NAV ₹25.76(R) +0.02% ₹28.0(D) +0.03%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 9.66% 11.03% 10.61% 8.27% 7.81%
Direct 10.99% 12.18% 11.63% 9.17% 8.64%
Benchmark
SIP (XIRR) Regular 10.17% 8.75% 10.31% 10.23% 8.62%
Direct 11.57% 9.98% 11.46% 11.27% 9.54%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.53 0.26 0.48 -4.8% 0.03
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
9.12% -10.38% -12.42% 1.45 6.5%
Fund AUM As on: 30/06/2025 137 Cr
Top Dynamic Asset Allocation or Balanced Advantage
Fund Name Rank Rating
Icici Prudential Balanced Advantage Fund 1
SBI Balanced Advantage Fund 2
Hdfc Balanced Advantage Fund 3
Dsp Dynamic Asset Allocation Fund 4
Axis Balanced Advantage Fund 5
Aditya Birla Sun Life Balanced Advantage Fund 6

NAV Date: 16-01-2026

Scheme Name NAV Rupee Change Percent Change
BANK OF INDIA BALANCED ADVANTAGE FUND DIRECT PLAN IDCW 16.9
0.0000
0.0300%
BANK OF INDIA BALANCED ADVANTAGE FUND REGULAR PLAN IDCW 17.97
0.0000
0.0200%
BANK OF INDIA BALANCED ADVANTAGE FUND REGULAR PLAN GROWTH 25.76
0.0000
0.0200%
BANK OF INDIA BALANCED ADVANTAGE FUND DIRECT PLAN GROWTH 28.0
0.0100
0.0300%

Review Date: 16-01-2026

Beginning of Analysis

Bank of India Balanced Advantage Fund is the 24th ranked fund in the Dynamic Asset Allocation or Balanced Advantage Fund category. The category has total 26 funds. The 1 star rating shows a very poor past performance of the Bank of India Balanced Advantage Fund in Dynamic Asset Allocation or Balanced Advantage Fund. The fund has a Jensen Alpha of -4.8% which is lower than the category average of -0.03%, showing poor performance. The fund has a Sharpe Ratio of 0.53 which is lower than the category average of 0.83.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Dynamic Asset Allocation or Balanced Advantage Mutual Funds

Bank of India Balanced Advantage Fund Return Analysis

  • The fund has given a return of 0.53%, 2.1 and 3.77 in last one, three and six months respectively. In the same period the category average return was -0.23%, 0.1% and 1.23% respectively.
  • Bank of India Balanced Advantage Fund has given a return of 10.99% in last one year. In the same period the Dynamic Asset Allocation or Balanced Advantage Fund category average return was 7.46%.
  • The fund has given a return of 12.18% in last three years and ranked 20.0th out of 27 funds in the category. In the same period the Dynamic Asset Allocation or Balanced Advantage Fund category average return was 13.22%.
  • The fund has given a return of 11.63% in last five years and ranked 11th out of 18 funds in the category. In the same period the Dynamic Asset Allocation or Balanced Advantage Fund category average return was 11.69%.
  • The fund has given a return of 8.64% in last ten years and ranked 10th out of ten funds in the category. In the same period the category average return was 11.94%.
  • The fund has given a SIP return of 11.57% in last one year whereas category average SIP return is 7.18%. The fund one year return rank in the category is 2nd in 34 funds
  • The fund has SIP return of 9.98% in last three years and ranks 18th in 27 funds. Hdfc Balanced Advantage Fund has given the highest SIP return (13.66%) in the category in last three years.
  • The fund has SIP return of 11.46% in last five years whereas category average SIP return is 11.23%.

Bank of India Balanced Advantage Fund Risk Analysis

  • The fund has a standard deviation of 9.12 and semi deviation of 6.5. The category average standard deviation is 7.52 and semi deviation is 5.48.
  • The fund has a Value at Risk (VaR) of -10.38 and a maximum drawdown of -12.42. The category average VaR is -8.49 and the maximum drawdown is -9.24. The fund has a beta of 1.43 which shows that fund is more volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Dynamic Asset Allocation or Balanced Advantage Fund Category
  • Good Performance in Dynamic Asset Allocation or Balanced Advantage Fund Category
  • Poor Performance in Dynamic Asset Allocation or Balanced Advantage Fund Category
  • Very Poor Performance in Dynamic Asset Allocation or Balanced Advantage Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.42
    -0.34
    		-3.62 | 1.29 4 | 34 Very Good
    3M Return % 1.76
    -0.22
    		-6.91 | 2.23 2 | 34 Very Good
    6M Return % 3.09
    0.59
    		-4.83 | 4.42 2 | 34 Very Good
    1Y Return % 9.66
    6.12
    		-5.70 | 12.33 3 | 34 Very Good
    3Y Return % 11.03
    11.80
    		7.32 | 17.75 18 | 27 Average
    5Y Return % 10.61
    10.35
    		5.52 | 18.88 8 | 18 Good
    7Y Return % 8.27
    10.73
    		6.91 | 15.83 13 | 15 Poor
    10Y Return % 7.81
    10.79
    		7.81 | 16.03 10 | 10 Poor
    1Y SIP Return % 10.17
    5.83
    		-2.30 | 11.65 2 | 34 Very Good
    3Y SIP Return % 8.75
    9.00
    		0.94 | 12.95 16 | 27 Average
    5Y SIP Return % 10.31
    9.91
    		4.21 | 16.21 8 | 18 Good
    7Y SIP Return % 10.23
    11.08
    		5.67 | 17.82 10 | 15 Average
    10Y SIP Return % 8.62
    10.71
    		7.73 | 16.09 9 | 10 Average
    Standard Deviation 9.12
    7.52
    		5.38 | 14.39 24 | 27 Poor
    Semi Deviation 6.50
    5.48
    		3.77 | 10.94 24 | 27 Poor
    Max Drawdown % -12.42
    -9.24
    		-25.84 | -4.53 24 | 27 Poor
    VaR 1 Y % -10.38
    -8.49
    		-22.27 | -4.30 24 | 27 Poor
    Average Drawdown % -4.26
    -3.10
    		-7.08 | -1.73 24 | 27 Poor
    Sharpe Ratio 0.53
    0.83
    		0.15 | 1.38 24 | 27 Poor
    Sterling Ratio 0.48
    0.64
    		0.22 | 0.93 24 | 27 Poor
    Sortino Ratio 0.26
    0.42
    		0.09 | 0.75 24 | 27 Poor
    Jensen Alpha % -4.80
    -0.03
    		-7.14 | 4.35 26 | 27 Poor
    Treynor Ratio 0.03
    0.05
    		0.02 | 0.09 24 | 27 Poor
    Modigliani Square Measure % 7.34
    10.13
    		3.59 | 15.10 25 | 27 Poor
    Alpha % -0.44
    1.05
    		-3.12 | 7.09 20 | 27 Average
    Return data last Updated On : Jan. 16, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.53 -0.23 -3.51 | 1.43 4 | 34 Very Good
    3M Return % 2.10 0.10 -6.61 | 2.44 2 | 34 Very Good
    6M Return % 3.77 1.23 -4.15 | 4.71 2 | 34 Very Good
    1Y Return % 10.99 7.46 -4.38 | 12.98 3 | 34 Very Good
    3Y Return % 12.18 13.22 8.70 | 18.48 20 | 27 Average
    5Y Return % 11.63 11.69 6.87 | 19.62 11 | 18 Average
    7Y Return % 9.17 11.95 8.22 | 16.55 13 | 15 Poor
    10Y Return % 8.64 11.94 8.64 | 16.80 10 | 10 Poor
    1Y SIP Return % 11.57 7.18 -0.89 | 12.29 2 | 34 Very Good
    3Y SIP Return % 9.98 10.40 2.34 | 13.66 18 | 27 Average
    5Y SIP Return % 11.46 11.23 5.60 | 16.95 9 | 18 Good
    7Y SIP Return % 11.27 12.33 7.07 | 18.56 12 | 15 Average
    10Y SIP Return % 9.54 11.87 8.47 | 16.83 9 | 10 Average
    Standard Deviation 9.12 7.52 5.38 | 14.39 24 | 27 Poor
    Semi Deviation 6.50 5.48 3.77 | 10.94 24 | 27 Poor
    Max Drawdown % -12.42 -9.24 -25.84 | -4.53 24 | 27 Poor
    VaR 1 Y % -10.38 -8.49 -22.27 | -4.30 24 | 27 Poor
    Average Drawdown % -4.26 -3.10 -7.08 | -1.73 24 | 27 Poor
    Sharpe Ratio 0.53 0.83 0.15 | 1.38 24 | 27 Poor
    Sterling Ratio 0.48 0.64 0.22 | 0.93 24 | 27 Poor
    Sortino Ratio 0.26 0.42 0.09 | 0.75 24 | 27 Poor
    Jensen Alpha % -4.80 -0.03 -7.14 | 4.35 26 | 27 Poor
    Treynor Ratio 0.03 0.05 0.02 | 0.09 24 | 27 Poor
    Modigliani Square Measure % 7.34 10.13 3.59 | 15.10 25 | 27 Poor
    Alpha % -0.44 1.05 -3.12 | 7.09 20 | 27 Average
    Return data last Updated On : Jan. 16, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Bank Of India Balanced Advantage Fund NAV Regular Growth Bank Of India Balanced Advantage Fund NAV Direct Growth
    16-01-2026 25.7616 27.9963
    14-01-2026 25.7568 27.9889
    13-01-2026 25.7332 27.9622
    12-01-2026 25.7723 28.0037
    09-01-2026 25.6738 27.8935
    08-01-2026 25.8194 28.0508
    07-01-2026 26.0305 28.279
    06-01-2026 26.0525 28.3019
    05-01-2026 26.0696 28.3194
    02-01-2026 26.087 28.3352
    01-01-2026 25.9471 28.1822
    31-12-2025 25.9458 28.1797
    30-12-2025 25.786 28.0052
    29-12-2025 25.7434 27.9578
    26-12-2025 25.8346 28.0538
    24-12-2025 25.8933 28.1154
    23-12-2025 25.9039 28.1259
    22-12-2025 25.8957 28.116
    19-12-2025 25.7651 27.9711
    18-12-2025 25.651 27.8462
    17-12-2025 25.642 27.8354
    16-12-2025 25.6548 27.8483

    Fund Launch Date: 21/Feb/2014
    Fund Category: Dynamic Asset Allocation or Balanced Advantage
    Investment Objective: The Scheme aims at generating long term returns with lower volatility by following adisciplined allocation between equity and debt securities. The equity allocation will bedetermined based on the month end P/E ratio of the Nifty 50 Index. There is no assurancethat the investment objectives of the Scheme will be realized and the Scheme does notassure or guarantee any returns.
    Fund Description: An open ended dynamic asset allocation fund
    Fund Benchmark: Nifty 50 Total Return Index (Total Return Index) - 50% & CRISIL Short Term Bond Fund Index - 50%
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.