Bank of India Balanced Advantage Fund Direct-Growth
Hybrid: Dynamic Asset Allocation - Growth (Open ended) Factsheet
SEBI Riskometer: Very HighCategory: Hybrid: Dynamic Asset AllocationBenchmark: NIFTY 50 Hybrid Composite Debt 50:50 Index
NAV: ₹28.3-0.24%
24 Jul 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for Bank of India Balanced Advantage Fund Direct-Growth.
Market Cap Distribution
Large Cap (97.4%)
Mid Cap (2.6%)
Historical Asset Allocation
| Asset | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 | 28 Feb 2026 | 31 Jan 2026 |
|---|---|---|---|---|---|---|
| Equity | 65.65% | 70.84% | 73.69% | 67.95% | 31.88% | 65.12% |
| Debt | 18.64% | 20.12% | 21.27% | 21.73% | 20.75% | 20.55% |
| Others (incl. cash) | 10.71% | 3.65% | -0.47% | 4.38% | 41.64% | 8.46% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 5.00% | 5.39% | 5.51% | 5.94% | 5.73% | 5.87% |
Portfolio Snapshot
No. of Securities
71
P/E Ratio
20.84
P/B Ratio
3.08
Top Holding %
12.87%
Top 5 Holdings %
34.75%
Top 10 Holdings %
48.44%
Modified Duration
1.02 yrs
Avg. Maturity
1.20 yrs
Yield to Maturity
6.18%
AUM
₹170 Cr
Expense Ratio
1.40%
Since Inception
8.77%
Max Drawdown
-0.18%
Sharpe Ratio
0.47
Top Portfolio Holdings by Weight
Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.
| Instrument | Sector | No. of Shares | Value (Rs. Cr) | Weight | Change |
|---|---|---|---|---|---|
| Reliance Industries Ltd. | Energy | 52,573 | 6.8 | 4.01% | -0.44%↓ |
| ICICI Bank Ltd. | Financial | 46,000 | 6.33 | 3.73% | 0.03%↑ |
| HDFC Bank Ltd. | Financial | 60,400 | 4.82 | 2.84% | -0.04%↓ |
| Adani Ports and Special Economic Zone Ltd. | Services | 21,067 | 3.81 | 2.25% | -0.19%↓ |
| Bharti Airtel Ltd. | Communication | 20,439 | 3.79 | 2.23% | -0.17%↓ |
| Shriram Finance Ltd | Financial | 33,242 | 3.46 | 2.04% | 0.02%↑ |
| State Bank of India | Financial | 33,003 | 3.39 | 2.00% | -0.04%↓ |
| NTPC Ltd. | Energy | 79,207 | 2.82 | 1.66% | -0.30%↓ |
| ITC Ltd. | Consumer Staples | 96,000 | 2.75 | 1.62% | -0.15%↓ |
| Axis Bank Ltd. | Financial | 17,972 | 2.42 | 1.42% | -0.06%↓ |
| Larsen & Toubro Ltd. | Construction | 5,700 | 2.36 | 1.39% | -0.10%↓ |
| Bajaj Finance Ltd. | Financial | 22,330 | 2.24 | 1.32% | 0.02%↑ |
| Titan Company Ltd. | Consumer Discretionary | 4,866 | 2.14 | 1.26% | -0.01%↓ |
| Bharat Electronics Ltd. | Capital Goods | 50,298 | 2.07 | 1.22% | -0.10%↓ |
| Britannia Industries Ltd. | Consumer Staples | 3,800 | 1.96 | 1.15% | -0.12%↓ |
| Mahindra & Mahindra Ltd. | Automobile | 6,000 | 1.84 | 1.08% | -0.09%↓ |
| Hindalco Industries Ltd. | Metals & Mining | 19,000 | 1.82 | 1.07% | -0.30%↓ |
| Kotak Mahindra Bank Ltd. | Financial | 44,050 | 1.73 | 1.02% | -0.06%↓ |
| Power Grid Corporation Of India Ltd. | Energy | 56,817 | 1.63 | 0.96% | -0.10%↓ |
| Eternal Ltd. | Services | 61,000 | 1.61 | 0.95% | -0.03%↓ |
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Sector-wise Portfolio Allocation
Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.
| Sector | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 | 28 Feb 2026 | 31 Jan 2026 |
|---|---|---|---|---|---|---|
| Financial | 19.89% | 20.18% | 21.08% | 18.96% | 7.91% | 20.04% |
| Energy | 9.34% | 10.62% | 11.65% | 10.99% | 6.11% | 9.52% |
| Services | 5.58% | 5.76% | 5.47% | 4.61% | 2.88% | 3.92% |
| Consumer Staples | 4.82% | 5.34% | 5.83% | 5.90% | 3.91% | 5.87% |
| Automobile | 4.64% | 5.06% | 5.16% | 4.87% | 1.23% | 3.75% |
| Technology | 3.79% | 4.63% | 4.86% | 4.77% | 1.36% | 4.96% |
| Healthcare | 3.22% | 3.34% | 3.35% | 3.21% | 1.50% | 2.39% |
| Metals & Mining | 3.06% | 3.69% | 3.65% | 3.02% | 1.51% | 3.84% |
| Communication | 2.89% | 3.12% | 3.29% | 3.06% | 1.25% | 2.80% |
| Materials | 2.63% | 2.91% | 2.88% | 2.63% | 1.15% | 2.44% |
| Construction | 1.96% | 2.10% | 2.11% | 1.77% | 0.36% | 1.56% |
| Consumer Discretionary | 1.47% | 1.49% | 1.64% | 1.50% | 0.96% | 1.35% |
| Capital Goods | 1.39% | 1.51% | 1.62% | 1.56% | 1.10% | 1.57% |
| Insurance | 0.97% | 1.09% | 1.10% | 1.11% | 0.65% | 1.11% |
Debt Holdings — Credit Quality Profile
Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.
| Rating | Fund | Category |
|---|---|---|
| Cash & Call Money | 10.71% | 6.96% |
| AAA | 8.33% | 8.60% |
| SOV | 5.29% | 8.00% |
| AA+ | 3.24% | 1.40% |
| AA | 1.78% | 1.09% |
| A | - | 0.02% |
| A+ | - | 0.11% |
| A- | - | 0.13% |
| A1+ | - | 2.42% |
| AA- | - | 0.14% |
| BBB+ | - | 0.09% |
| Cash | - | 5.66% |
| Others | - | 0.76% |
| Term Deposits | - | 0.02% |
| Unrated | - | 0.01% |
Equity Insights
A detailed look at the equity holdings of this scheme — aggregated scores on value, momentum, quality parameters along with diversification and performance analysis.
Style Analysis
Value score
57.0 / 100
Weighted average Value score is 57.0. This indicates that portfolio is relatively reasonably valued using composite of value measures.
Price Momentum score
62.4 / 100
Weighted average Price Momentum score is 62.4. This indicates that portfolio has average momentum using composite of momentum measures.
Quality score
73.7 / 100
Weighted average Quality score is 73.7. This indicates that portfolio has average quality using composite of quality measures.
QVM score
75.5 / 100
Weighted average QVM score is 75.5. This indicates that portfolio has high QVM score and hence could be considered for investment.
Red Flags
Debt Insights
A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.
SEBI PRC matrix
Credit risk
| Interest risk | |||
|---|---|---|---|
| Low | Moderate | High | |
| Low | |||
| Moderate | |||
| High | |||
Instruments
| Full name | Description | Coupon rate | Maturity | Rating raw | Weight |
|---|---|---|---|---|---|
| National Bank For Agriculture & Rural Development | Debenture | 7.68% | 30/04/2029 | CRISIL AAA | 2.98% |
| Small Industries Devp. Bank of India Ltd. | Bonds/NCDs | 7.47% | 05/09/2029 | CRISIL AAA | 2.97% |
| Reserve Bank of India | Treasury Bills | 0.00% | 364-D 28/05/2027 | SOV | 2.52% |
| Indian Railway Finance Corporation Ltd. | Non Convertible Debenture | 7.37% | 31/07/2029 | CRISIL AAA | 2.38% |
| Torrent Pharmaceuticals Ltd. | Non Convertible Debenture | 7.60% | 19/01/2029 | ICRA AA+ | 1.76% |
| GOI | GOI Securities | 7.10% | 18/04/2029 | SOV | 1.51% |
| Muthoot Finance Ltd. | Non Convertible Debenture | 8.90% | 07/10/2027 | CRISIL AA+ | 1.48% |
| Vedanta Ltd. | Debenture | 8.95% | 16/03/2029 | CRISIL AA | 1.19% |
| GOI | GOI Securities | 6.48% | 06/10/2035 | SOV | 0.87% |
| Manappuram Finance Ltd. | Non Convertible Debenture | 9.10% | 19/08/2026 | CRISIL AA | 0.59% |
| Reserve Bank of India | Treasury Bills | 0.00% | 364-D 07/01/2027 | SOV | 0.32% |
| Reserve Bank of India | Treasury Bills | 0.00% | 182-D 22/10/2026 | SOV | 0.07% |
Frequently Asked Questions
What are the top holdings of Bank of India Balanced Advantage Fund Direct-Growth?
The top holdings of Bank of India Balanced Advantage Fund Direct-Growth as of 30 Jun 2026 are Nifty 50 (Index Derivatives) (12.87%), Others (10.71%), Reliance Industries Ltd. (4.01%), ICICI Bank Ltd. (3.73%), IRB InvIT Fund (3.43%). These top 5 stocks together account for 34.75% of the total portfolio. You can view the complete holdings breakdown above.
How many stocks does Bank of India Balanced Advantage Fund Direct-Growth hold in its portfolio?
Bank of India Balanced Advantage Fund Direct-Growth holds 71 stocks in its portfolio as of 30 Jun 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.
What is the sector allocation of Bank of India Balanced Advantage Fund Direct-Growth?
As of 30 Jun 2026, Bank of India Balanced Advantage Fund Direct-Growth's top sector allocations are Financial (19.89%), Energy (9.34%), Services (5.58%). You can find detailed sector allocation above.
What is the equity and debt allocation of Bank of India Balanced Advantage Fund Direct-Growth?
As of 30 Jun 2026, Bank of India Balanced Advantage Fund Direct-Growth has 65.65% allocated to equity, and 18.64% to debt. You can also check the historical trends above.
What is the market cap allocation of Bank of India Balanced Advantage Fund Direct-Growth?
As of 30 Jun 2026, Bank of India Balanced Advantage Fund Direct-Growth's market cap allocation is 97.39% in large caps, 2.61% in mid caps, and - in small caps.
What is the PE ratio of Bank of India Balanced Advantage Fund Direct-Growth's portfolio?
The portfolio PE ratio of Bank of India Balanced Advantage Fund Direct-Growth is 20.84 as of 30 Jun 2026. The portfolio PE ratio tells you how expensive or cheap the fund's holdings are relative to their earnings.
What is the credit quality of Bank of India Balanced Advantage Fund Direct-Growth?
As of 30 Jun 2026, Bank of India Balanced Advantage Fund Direct-Growth's debt portfolio has 8.33% in AAA-rated instruments, 1.78% in AA-rated, and 5.29% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.
When is the latest portfolio disclosure for Bank of India Balanced Advantage Fund Direct-Growth?
The latest portfolio disclosure for Bank of India Balanced Advantage Fund Direct-Growth is as of 30 Jun 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.