Bank of India Balanced Advantage Fund - Regular Plan - IDCW

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Dynamic Asset Allocation or Balanced Advantage

Equity Holding : 71.14% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 71.14%

No of Stocks : 59 (Category Avg - 74.34) | Large Cap Investments : 53.94%| Mid Cap Investments : 4.56% | Small Cap Investments : 0% | Other : 12.64%

Portfolio Summary (as on 31st Oct,2025)

Particulars	This Scheme	Category
No. of Stocks	59	70.94
Top 5 Stock Weight	21.24%	21.72%
Top 10 Stock Weight	32%	33.27%
Top 3 Sector Weight	21.97%	24.5%

Category - Dynamic Asset Allocation or Balanced Advantage

Particulars	This Scheme	Category
Average mcap (Cr)	132418.35	94441.43
Holdings in large cap stocks	53.94%	38.88%
Holdings in mid cap stocks	4.56%	8.53%
Holdings in small cap stocks	0%	4.26%

Category - Dynamic Asset Allocation or Balanced Advantage

Top 10 Stocks holding in Portfolio (as on 31st Oct,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
# Reliance Industries Ltd.	Refineries & marketing	78.1	5.41%	0.00%	5.74% (Oct 2024)	4.29% (Dec 2024)	52.57 k	0.00
# ICICI Bank Ltd.	Private sector bank	70	4.84%	0.00%	5.28% (May 2025)	3.3% (Oct 2024)	52.00 k	0.00
# HDFC Bank Ltd.	Private sector bank	59.6	4.13%	0.00%	7.53% (Dec 2024)	4.06% (Sep 2025)	60.40 k	0.00
# ITC Limited	Diversified fmcg	50.4	3.49%	0.00%	3.55% (Aug 2025)	1.73% (Mar 2025)	1.20 L	0.00
# State Bank Of India	Public sector bank	48.7	3.37%	0.00%	4.09% (Nov 2024)	2.95% (Jul 2025)	52.00 k	0.00
# Bharti Airtel Ltd.	Telecom - cellular & fixed line services	42	2.91%	0.00%	2.87% (Jun 2025)	1.94% (Oct 2024)	20.44 k	0.00
# Adani Ports And Special Economic Zone Ltd.	Port & port services	30.6	2.12%	0.00%	2.09% (Sep 2025)	1.33% (Jan 2025)	21.07 k	0.00
# Larsen & Toubro Ltd.	Civil construction	28.1	1.94%	0.00%	1.94% (Nov 2024)	1.52% (Feb 2025)	6.97 k	0.00
# Britannia Industries Ltd.	Packaged foods	28	1.94%	0.00%	1.02% (Sep 2025)	0% (Oct 2024)	4.80 k	2.40 k
# National Thermal Power Corporation Ltd.	Power generation	26.7	1.85%	0.00%	2.28% (Oct 2024)	1.84% (Jan 2025)	79.21 k	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

View complete holding

Complete equity Portfolio (as on 31st Oct,2025)

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M-Cap

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Stock Invested in	Sector	Sector Total	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty	M-Cap	GroupName
# Reliance Industries Ltd.	Refineries & marketing	5.41	78.1	5.41%	0.00%	5.74% (Oct 2024)	4.29% (Dec 2024)	52.57 k	0.00	Large Cap	53.94
# ICICI Bank Ltd.	Private sector bank	12.04	70	4.84%	0.00%	5.28% (May 2025)	3.3% (Oct 2024)	52.00 k	0.00	Large Cap	53.94
# HDFC Bank Ltd.	Private sector bank	12.04	59.6	4.13%	0.00%	7.53% (Dec 2024)	4.06% (Sep 2025)	60.40 k	0.00	Other	12.64
# ITC Limited	Diversified fmcg	4.34	50.4	3.49%	0.00%	3.55% (Aug 2025)	1.73% (Mar 2025)	1.20 L	0.00	Large Cap	53.94
# State Bank Of India	Public sector bank	4.1	48.7	3.37%	0.00%	4.09% (Nov 2024)	2.95% (Jul 2025)	52.00 k	0.00	Large Cap	53.94
# Bharti Airtel Ltd.	Telecom - cellular & fixed line services	2.91	42	2.91%	0.00%	2.87% (Jun 2025)	1.94% (Oct 2024)	20.44 k	0.00	Large Cap	53.94
# Adani Ports And Special Economic Zone Ltd.	Port & port services	2.12	30.6	2.12%	0.00%	2.09% (Sep 2025)	1.33% (Jan 2025)	21.07 k	0.00	Large Cap	53.94
# Larsen & Toubro Ltd.	Civil construction	1.94	28.1	1.94%	0.00%	1.94% (Nov 2024)	1.52% (Feb 2025)	6.97 k	0.00	Large Cap	53.94
# Britannia Industries Ltd.	Packaged foods	2.42	28	1.94%	0.00%	1.02% (Sep 2025)	0% (Oct 2024)	4.80 k	2.40 k	Large Cap	53.94
# National Thermal Power Corporation Ltd.	Power generation	2.29	26.7	1.85%	0.00%	2.28% (Oct 2024)	1.84% (Jan 2025)	79.21 k	0.00	Large Cap	53.94
# Shriram Finance Ltd.	Non banking financial company (nbfc)	3.68	24.9	1.72%	0.00%	1.64% (Jun 2025)	0.26% (Oct 2024)	33.24 k	0.00	Other	12.64
# Vedanta Ltd.	Diversified metals	1.67	24.2	1.67%	0.00%	1.61% (Sep 2025)	1.17% (Nov 2024)	49.00 k	0.00	Large Cap	53.94
# Bajaj Finance Ltd.	Non banking financial company (nbfc)	3.68	23.3	1.61%	0.00%	1.58% (Sep 2025)	0.98% (Nov 2024)	22.33 k	0.00	Other	12.64
# Axis Bank Ltd.	Private sector bank	12.04	22.2	1.53%	0.00%	1.54% (May 2025)	1.16% (Jan 2025)	17.97 k	0.00	Large Cap	53.94
# Bharat Electronics Ltd.	Aerospace & defense	1.48	21.4	1.48%	0.00%	1.48% (Jun 2025)	0.11% (Oct 2024)	50.30 k	0.00	Mid Cap	4.56
# Tata Steel Ltd.	Iron & steel products	2.29	20	1.38%	0.00%	1.31% (Sep 2025)	1.04% (Jan 2025)	1.09 L	0.00	Other	12.64
# Infosys Ltd.	Computers - software & consulting	4.52	19.2	1.33%	0.00%	2.8% (Jan 2025)	1.27% (Apr 2025)	12.96 k	0.00	Large Cap	53.94
# Kotak Mahindra Bank Ltd.	Private sector bank	12.04	18.5	1.28%	0.00%	2.48% (Nov 2024)	1.02% (Dec 2024)	8.81 k	0.00	Large Cap	53.94
# Titan Company Ltd.	Gems, jewellery and watches	1.26	18.2	1.26%	0.00%	1.27% (Aug 2025)	1.05% (Mar 2025)	4.87 k	0.00	Large Cap	53.94
# Tata Consultancy Services Ltd.	Computers - software & consulting	4.52	17.9	1.24%	0.00%	2.03% (Nov 2024)	1.19% (Sep 2025)	5.84 k	0.00	Large Cap	53.94
# Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	2.17	16.7	1.16%	0.00%	1.16% (Sep 2025)	0.82% (Oct 2024)	4.79 k	0.00	Large Cap	53.94
# Power Grid Corporation of India Ltd.	Power - transmission	1.13	16.4	1.13%	0.00%	1.25% (Apr 2025)	0.9% (Oct 2024)	56.82 k	0.00	Large Cap	53.94
# Hindalco Industries Ltd.	Aluminium	1.12	16.1	1.12%	0.00%	1.02% (Sep 2025)	0.8% (Jan 2025)	19.00 k	0.00	Large Cap	53.94
# DLF Ltd.	Residential, commercial projects	1.07	15.5	1.07%	0.00%	1.27% (Dec 2024)	0.48% (Nov 2024)	20.50 k	0.00	Large Cap	53.94
# Tata Power Co. Ltd.	Integrated power utilities	1.04	15	1.04%	0.00%	1.23% (Dec 2024)	1.02% (Sep 2025)	37.00 k	0.00	Mid Cap	4.56
# Hero Motocorp Ltd.	2/3 wheelers	2.01	13.9	0.97%	0.00%	0.97% (Sep 2025)	0.68% (Mar 2025)	2.52 k	0.00	Large Cap	53.94
# Dr. Reddys Laboratories Ltd.	Pharmaceuticals	2.57	13.2	0.91%	0.00%	1.1% (Dec 2024)	0.91% (Mar 2025)	11.00 k	0.00	Other	12.64
# J S W Steel Ltd.	Iron & steel products	2.29	13.1	0.91%	0.00%	0.88% (Sep 2025)	0.68% (Dec 2024)	10.84 k	0.00	Large Cap	53.94
# Eternal Ltd.	E-retail/ e-commerce	0.88	12.7	0.88%	0.00%	0.92% (Sep 2025)	0% (Oct 2024)	40.00 k	0.00	Other	12.64
# Hindustan Unilever Ltd.	Diversified fmcg	4.34	12.3	0.85%	0.00%	0.96% (Aug 2025)	0.73% (Mar 2025)	4.99 k	0.00	Large Cap	53.94
# HCL Technologies Limited	Computers - software & consulting	4.52	12.2	0.85%	0.00%	1.02% (Dec 2024)	0.78% (Sep 2025)	7.94 k	0.00	Large Cap	53.94
# Sun Pharmaceutical Industries Ltd.	Pharmaceuticals	2.57	11.8	0.82%	0.00%	1.29% (Dec 2024)	0.79% (Sep 2025)	7.00 k	0.00	Large Cap	53.94
# Ultratech Cement Ltd.	Cement & cement products	1.34	10.9	0.76%	0.00%	1.41% (Oct 2024)	0.66% (Feb 2025)	913.00	0.00	Large Cap	53.94
# Tech Mahindra Ltd.	Computers - software & consulting	4.52	10.7	0.74%	0.00%	1.31% (Dec 2024)	0.75% (Sep 2025)	7.52 k	0.00	Large Cap	53.94
# Bank Of Baroda	Public sector bank	4.1	10.6	0.73%	0.00%	0.8% (Apr 2025)	0.55% (Feb 2025)	38.00 k	0.00	Large Cap	53.94
# SBI Life Insurance Co Ltd.	Life insurance	1.09	10.6	0.73%	0.00%	0.71% (Jul 2025)	0.48% (Oct 2024)	5.40 k	0.00	Large Cap	53.94
# Maruti Suzuki India Ltd.	Passenger cars & utility vehicles	2.17	9.7	0.67%	0.00%	0.72% (May 2025)	0.54% (Jul 2025)	600.00	0.00	Large Cap	53.94
# Adani Enterprises Ltd.	Trading - minerals	0.65	9.3	0.65%	0.00%	0.78% (Oct 2024)	0.59% (Feb 2025)	3.77 k	0.00	Mid Cap	4.56
# Trent Limited	Speciality retail	0.61	8.8	0.61%	0.00%	1.45% (Dec 2024)	0.62% (Sep 2025)	1.88 k	0.00	Mid Cap	4.56
# Grasim Industries Limited	Cement & cement products	1.34	8.3	0.58%	0.00%	0.57% (Aug 2025)	0.45% (Dec 2024)	2.87 k	0.00	Large Cap	53.94
# Bajaj Auto Ltd.	2/3 wheelers	2.01	8.2	0.57%	0.00%	0.6% (Oct 2024)	0.5% (Mar 2025)	921.00	0.00	Large Cap	53.94
# Asian Paints (india) Ltd.	Paints	0.55	8	0.55%	0.00%	0.61% (Oct 2024)	0.48% (Dec 2024)	3.17 k	0.00	Large Cap	53.94
# Oil & Natural Gas Corporation Ltd.	Oil exploration & production	0.49	7	0.49%	0.00%	0.48% (Oct 2024)	0.44% (Feb 2025)	27.45 k	0.00	Large Cap	53.94
# Nestle India Ltd.	Packaged foods	2.42	7	0.48%	0.00%	0.47% (May 2025)	0.4% (Dec 2024)	5.50 k	0.00	Other	12.64
# Apollo Hospitals Enterprises Ltd.	Hospital	0.48	7	0.48%	0.00%	0.5% (Aug 2025)	0.4% (Feb 2025)	905.00	0.00	Mid Cap	4.56
# Eicher Motors Ltd.	2/3 wheelers	2.01	6.8	0.47%	0.00%	0.48% (Sep 2025)	0.3% (Nov 2024)	963.00	0.00	Other	12.64
# Coal India Ltd.	Coal	0.47	6.7	0.47%	0.00%	1.32% (Oct 2024)	0.45% (Dec 2024)	17.34 k	0.00	Large Cap	53.94
# Siemens Energy India Ltd.	Power generation	2.29	6.4	0.44%	0.00%	0.49% (Aug 2025)	0% (Oct 2024)	2.00 k	0.00	Other	12.64
# Siemens Ltd.	Heavy electrical equipment	0.43	6.2	0.43%	0.00%	0.98% (Dec 2024)	0.43% (Jul 2025)	2.00 k	0.00	Large Cap	53.94
# Divis Laboratories Ltd.	Pharmaceuticals	2.57	6.2	0.43%	0.00%	0.44% (Jun 2025)	0.37% (Sep 2025)	915.00	0.00	Large Cap	53.94
# Cipla Ltd.	Pharmaceuticals	2.57	5.9	0.41%	0.00%	0.45% (Aug 2025)	0.38% (Mar 2025)	3.93 k	0.00	Large Cap	53.94
# Wipro Ltd.	Computers - software & consulting	4.52	5.3	0.36%	0.00%	0.46% (Jan 2025)	0.37% (Apr 2025)	21.88 k	0.00	Large Cap	53.94
# HDFC Life Insurance Company Ltd.	Life insurance	1.09	5.2	0.36%	0.00%	0.4% (Aug 2025)	0.29% (Dec 2024)	7.12 k	0.00	Large Cap	53.94
# Jio Financial Services Ltd.	Non banking financial company (nbfc)	3.68	5.1	0.35%	0.00%	1.06% (Nov 2024)	0% (Oct 2024)	16.70 k	0.00	Other	12.64
# Tata Motors Ltd.	Passenger cars & utility vehicles	2.17	4.9	0.34%	0.00%	0.63% (Oct 2024)	0.5% (Feb 2025)	11.85 k	0.00	Large Cap	53.94
# Tata Consumer Products Ltd.	Tea & coffee	0.3	4.3	0.30%	0.00%	0.29% (Apr 2025)	0.22% (Dec 2024)	3.68 k	0.00	Mid Cap	4.56
# Indusind Bank Ltd.	Private sector bank	12.04	3.7	0.26%	0.00%	0.32% (Feb 2025)	0.2% (Mar 2025)	4.64 k	0.00	Large Cap	53.94
# TML Commercial Vehicles Ltd.	Commercial vehicles	0.21	3.1	0.21%	0.21%	0% (Nov 2025)	0% (Nov 2025)	11.85 k	11.85 k	Other	12.64
# Bajaj Finserv Ltd	Holding company	0.06	0.9	0.06%	0.00%	0.65% (Oct 2024)	0% (Oct 2024)	447.00	0.00	Other	12.64
Rural Electrification Corporation Limited	Financial institution		13.1	0.00%	-0.92%	-	-	-	-	Mid Cap	4.56

- indicates change in weight in the portfolio. # indicates a new entry.

New Stocks added in Portfolio (in 1 month period ending 31st Oct,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
# TML Commercial Vehicles Ltd.	Commercial vehicles	3.1	0.21%	0.21%	0% (Nov 2025)	0% (Nov 2025)	11.85 k	11854

Stocks removed from Portfolio (in 1 month period ending 31st Oct,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
Rural Electrification Corporation Limited	Financial institution	13.1	0.00%	-0.92%	1.46% (Mar 2025)	0.81% (Oct 2024)	0.00	-35000

Trend in stock holdings (Top 15 Holding)

Stock	Oct 2025	Sep 2025	Aug 2025	Jul 2025	Jun 2025	May 2025	Apr 2025	Mar 2025	Feb 2025	Jan 2025	Dec 2024	Nov 2024	Oct 2024
HDFC Bank Ltd.	4.13%	4.06%	4.15%	5.38%	5.23%	7.27%	7.43%	6.78%	6.78%	6.29%	7.53%	7.47%	7.26%
Reliance Industries Ltd.	5.41%	5.07%	5.15%	5.20%	5.51%	5.37%	5.18%	4.54%	4.51%	4.49%	4.29%	5.53%	5.74%
ICICI Bank Ltd.	4.84%	4.96%	5.24%	5.06%	4.85%	5.28%	5.22%	4.74%	4.47%	4.40%	4.48%	4.45%	3.30%
State Bank Of India	3.37%	3.21%	3.01%	2.95%	2.98%	4.05%	3.98%	3.87%	3.65%	3.87%	3.96%	4.09%	4.02%
Bharti Airtel Ltd.	2.91%	2.72%	2.78%	2.79%	2.87%	2.73%	2.67%	2.39%	2.29%	2.24%	2.18%	2.18%	1.94%
ITC Limited	3.49%	3.41%	3.55%	3.52%	2.88%	1.90%	1.87%	1.73%	1.76%	1.88%	2.02%	1.95%	2.01%
National Thermal Power Corporation Ltd.	1.85%	1.91%	1.87%	1.89%	1.85%	1.90%	2.04%	2.04%	1.87%	1.84%	1.89%	2.02%	2.28%
Infosys Ltd.	1.33%	1.32%	1.37%	1.39%	1.45%	1.46%	1.27%	2.02%	2.66%	2.80%	2.79%	2.70%	1.79%
Larsen & Toubro Ltd.	1.94%	1.80%	1.81%	1.80%	1.78%	1.84%	1.60%	1.59%	1.52%	1.91%	1.92%	1.94%	1.90%
Adani Ports And Special Economic Zone Ltd.	2.12%	2.09%	1.99%	1.86%	1.69%	1.72%	1.48%	1.44%	1.37%	1.33%	1.49%	1.41%	1.64%
Tata Consultancy Services Ltd.	1.24%	1.19%	1.30%	1.26%	1.41%	1.45%	1.38%	1.37%	1.80%	2.01%	1.99%	2.03%	1.78%
Vedanta Ltd.	1.67%	1.61%	1.49%	1.49%	1.58%	1.53%	1.31%	1.47%	1.32%	1.40%	1.40%	1.17%	1.20%
Kotak Mahindra Bank Ltd.	1.28%	1.24%	1.25%	1.24%	1.33%	1.31%	1.34%	1.25%	1.16%	1.09%	1.02%	2.48%	2.45%
Axis Bank Ltd.	1.53%	1.44%	1.35%	1.37%	1.50%	1.54%	1.47%	1.30%	1.27%	1.16%	1.25%	1.31%	1.34%
Bajaj Finance Ltd.	1.61%	1.58%	1.41%	1.40%	1.46%	1.47%	1.36%	1.37%	1.38%	1.20%	1.04%	0.98%	1.03%

No of Debt Holding 10 (Category Avg - 29.94) | Modified Duration 2.19 Years (Category Avg - 3.15)| Yield to Maturity 6.55% (Category Avg - 6.66%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	2.83%	8.55%
CD	0.00%	0.41%
T-Bills	3.31%	1.09%
CP	0.00%	0.29%
NCD & Bonds	14.47%	11.13%
PTC	0.00%	0.29%

Category - Dynamic Asset Allocation or Balanced Advantage

Security Type	% Weight	Category Average
Government Backed	6.14%	9.65%
Low Risk	14.47%	11.18%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Dynamic Asset Allocation or Balanced Advantage

Debt holding in Portfolio (as on 31st Oct,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	51.32	3.55%	5.00 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	51.09	3.54%	5.00 L
Bond - T-Bill	T-Bills	Other			42.87	2.97%	4.43 L
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	40.80	2.83%	4.00 L
Bond - Govt of India	GOI	Other			25.84	1.79%	2.50 L
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	25.47	1.76%	2.50 L
Bond - Manappuram Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA	CRISIL	20.23	1.40%	2.00 L
Bond - 360 One Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA	ICRA	20.06	1.39%	2.00 L
Bond - Govt of India	GOI	Other			15.01	1.04%	1.50 L
Bond - T-Bill	T-Bills	Other			4.95	0.34%	50.00 k