November 20, 2025
RA Jainee
SBI Balanced Advantage Fund details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by sahifund.com
NAV Growth: Rs 16.6201
NAV IDCW: Rs 16.6205
Suitable For Which Investors?
When you invest for five years or more, you can expect gains that beat the inflation rate as well as returns from fixed income options. But be prepared for ups and downs in your investment value along the way.
Dynamic Asset Allocation or Balanced Advantage funds invest your money in equity shares and bonds though their proportions are not fixed. The fund management team may increase of decrease the allocation to equity shares depending upon their market outlook.
These funds tend to fall less than pure equity funds when the stock markets decline because of their debt allocation. This makes them suitable for conservative equity investors.
Like for all equity-linked investments, you must invest only through the SIP route.
Fund’s Investment Strategy:
The scheme seeks to provide long term capital appreciation / income from a dynamic mix of equity and debt investments.
Fund Manager:
1) Dinesh Balachandran
Education: Mr.Dinesh is a B.Tech from IIT-B, M.S. from MIT USA and CFA.
Experience: Prior to joining SBI Funds Management Pvt. Ltd. he has worked with Fidelity Investments, USA.
2) Anup Upadhyay
Education: Mr. Upadhyay has done B.Tech, PGDM and CFA
Experience: Prior to joining SBI Mutual Fund, he has worked with TCS
3) Mansi Sajeja
Education: Ms. Sajeja is a CFA and has done Post Graduate Diploma in Business Management.
Experience: Prior to joining SBIFMPL, she was Rating Analyst at ICRA Limited.
4) Rajeev Radhakrishnan
Education: Mr. Radhakrishnan is B.E (Production), MMS (Finance) and CFA.
Experience: Prior to joining SBI AMC he has worked with UTI Asset Management Company Ltd.
Investment Details
| Min. Investment (₹) | 5,000 |
| Min. Addl Investment (₹) | 1,000 |
| Min. SIP Investment (₹) | 250 |
| Min. Withdrawal (₹) | 500 |
| Min. No of Cheques | 60 |
| Min. Balance (₹) | — |
| Lock-in Period | NA |
| Exit Load | For units in excess of 10% of the investment, 1% will be charged for redemption within 365 days |
Basic Details of SBI Balanced Advantage Fund
| Fund House | SBI Mutual Fund |
| Launch Date | 31-Aug-21 |
| Return Since Launch | 12.79% |
| Benchmark | NIFTY 50 Hybrid Composite Debt 50:50 Index |
| Riskometer | Very High |
| Type | Open-ended |
| Assets | ₹ 38,628 Cr |
| (As on 31-Oct-2025) | |
| Expense | 0.73% |
| (As on 31-Oct-2025) | |
| Risk Grade | Low |
| Return Grade | Above Average |
| Turnover | 20.00% |
| Turnover | — |
Trailing Returns (%)
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| SBI Balanced Advantage Dir | 9.59 | 0.13 | 2.22 | 4.16 | 4.76 | 10.19 | 15.24 | — | — | — |
| VR Dynamic Asset TRI | 7.41 | 0.25 | 1.08 | 3.15 | 4.41 | 8.83 | 13.29 | — | — | — |
| Hybrid: Dynamic Asset Allocation | 6.68 | 0.24 | 0.93 | 2.88 | 4.43 | 8.22 | 13.60 | — | — | — |
| Rank within category | 6 | 31 | 1 | 4 | 13 | 9 | 5 | — | — | — |
| Number of funds in category | 37 | 40 | 40 | 38 | 38 | 37 | 29 | 22 | 18 | 10 |
Peer Comparison of SBI Balanced Advantage Fund
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | Turn over (%) | |
| SBI Balanced Advantage Dir | 5 star | 10.19 | 15.24 | — | 0.73 | 38,628 | 12.79 | 1.00 (365) | 4Y 2M | 20.00 |
| HDFC Balanced Advantage Dir | 5 star | 9.41 | 19.20 | 22.82 | 0.73 | 1,06,494 | 15.65 | 1.00 (365) | 12Y 10M | 20.72 |
| ICICI Pru Balanced Advantage Dir | 4 star | 12.44 | 14.29 | 14.35 | 0.87 | 68,450 | 13.22 | 1.00 (365) | 12Y 10M | 30.00 |
| Tata Balanced Advantage Dir | 4 star | 7.50 | 12.51 | 13.74 | 0.44 | 9,906 | 13.23 | 0.50 (30) | 6Y 9M | 35.93 |
| Nippon India Balanced Advantage Dir | 4 star | 10.11 | 13.95 | 14.49 | 0.57 | 9,662 | 12.47 | 1.00 (365) | 12Y 10M | 214.00 |
Portfolio Analysis of SBI Balanced Advantage Fund
| No. of Stocks | 92 |
| Top 10 Holdings | 28.54% |
| Top 5 Stocks | 18.54% |
| Top 3 Sectors | 36.57% |
| Portfolio P/B Ratio | 2.55 |
| Portfolio P/E Ratio | 19.03 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 2,84,700 | 2,56,688 |
| Giant (%) | 62.98 | 63.10 |
| Large (%) | 23.48 | 18.37 |
| Mid (%) | 12.80 | 14.23 |
| Small (%) | 0.75 | 4.50 |
| Tiny (%) | — | 0.25 |
| Fund | Category | |
| Number of Securities | 203 | 119 |
| Macaulay Duration (yrs) | 4.19 | 3.61 |
| Average Maturity (yrs) | 5.26 | 6.02 |
| Yield to Maturity (%) | 6.97 | 6.61 |
| Avg Credit Rating | AAA | — |
Chanakya’s Mutual Fund Guidance For SBI Balanced Advantage Fund
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