Who Should Invest in SBI Balanced Advantage Fund Regular Growth?
The SBI Balanced Advantage Fund Regular Growth is suitable for investors who seek a balanced mix of equity and debt with dynamic allocation of assets to manage the risk and have growth opportunities. The SBI Balanced Advantage Regular fund is a very simple mutual fund to invest in. The fund was launched in the year 2021 by SBI. State Bank of India(SBI) is a very prominent Indian Government bank. If you’re on the lookout for a fund that strikes the right balance between growth and security, the SBI Balanced Advantage Fund Regular Growth might just be what you need. In this blog, we are going to learn about its key features, returns on investment, and prominent stocks to invest in.
What Is the SBI Balanced Advantage Fund Regular Growth?
SBI Balanced Advantage Fund Regular Growth is an open-ended dynamic asset allocation mutual fund. It was launched on August 31, 2021, and aims to deliver long-term capital appreciation and income by investing in a flexible mix of equities and debt, tailored to prevailing market conditions. SBI Mutual Fund manages the fund, benchmarked to the NIFTY 50 Hybrid Composite Debt 50:50 index.
It comes with a moderately high risk rating. As of August 2025, it has an AUM which is (Assets Under Management of approximately ₹36,637 crore and a NAV of around ₹15.18 with an expense ratio close to 1.37% for the regular growth plan. Minimum investment requirements are ₹5,000 for a lump sum and ₹250 for SIP, and the fund incorporates an exit load of 1% for redemption within one year, beyond 10% of the units invested.
How the Fund Invests: Strategy and Sector Exposure
Given below are the Key benefits of the SBI Balanced Advantage Fund Regular Growth. Let’s have a look:
- Dynamic Asset Allocation: The fund adjusts its mix of equity, debt, and cash, which is based on current market conditions. With this, they are aiming to capture growth opportunities while limiting the downside risk that comes with it.
- Consistent Returns: This fund’s regular growth delivered superior risk-adjusted returns as compared to its peers and traditional fixed income sources since its launch. But, with its performance frequently ranking in the top quartiles of its strategy.
- Downside Protection: The debt allocation and dynamic strategy of this fund help the fund fall less during market corrections than pure equity funds. That’s making it suitable for conservative equity investors.
- Suitable for Systematic Withdrawal Plan: The Fund is made to support regular cash flows for long-term investors and retirees without significantly impacting the principal. This helps to owing to strong capital appreciation.
- Potential To Beat Inflation: For the purpose of investment horizons of five years or longer, the fund is designed to generate returns exceeding inflation and traditional fixed income investments.
Returns On Investment
Given below are the data of the returns which come over the investment in this fund over the period of time until the date of 7th August, 2025.
| Period Invested for | ₹10000 Invested on | Latest Value | Absolute Returns | Annualised Returns | Category Avg | Rank within Category |
|---|---|---|---|---|---|---|
| 1 Week | 31-Jul-25 | 9958.4 | -0.42% | – | -1.01% | 9/35 |
| 1 Month | 07-Jul-25 | 9742.8 | -2.57% | – | -1.80% | 31/35 |
| 3 Month | 07-May-25 | 10095.2 | 0.95% | – | 2.38% | 33/35 |
| 6 Month | 07-Feb-25 | 10408.7 | 4.09% | – | 3.73% | 16/34 |
| YTD | 01-Jan-25 | 10352.1 | 3.52% | – | 1.85% | 9/34 |
| 1 Year | 07-Aug-24 | 10366.2 | 3.66% | 3.66% | 3.11% | 16/34 |
| 2 Year | 07-Aug-23 | 12715.8 | 27.16% | 12.75% | 12.52% | 13/28 |
| 3 Year | 05-Aug-22 | 14697.3 | 46.97% | 13.66% | 11.79% | 3/24 |
| Since Inception | 31-Aug-21 | 15201.6 | 52.02% | 11.22% | 10.02% | 11/36 |
SIP Returns On Investment
| Period Invested for | ₹1000 SIP Started on | Investments | Latest Value | Absolute Returns | Annualised Returns |
|---|---|---|---|---|---|
| 1 Year | 07-Aug-24 | 12000 | 12316.96 | 2.64 % | 4.93 % |
| 2 Year | 07-Aug-23 | 24000 | 26285.7 | 9.52 % | 9 % |
| 3 Year | 05-Aug-22 | 36000 | 43053.81 | 19.59 % | 11.96 % |
Top 10 Stocks In Its Portfolio
Given below are the top 10 stocks present in the portfolio of SBI Balanced Advantage Fund Regular Growth. Let’s have a look:
Equity
| 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 | 22036.4 | 6.01% | 0.14% | 6.01% (Jun 2025) | 2.59% (Jul 2024) | 1.47 Cr | 0 |
| – HDFC Bank Ltd. | Private sector bank | 19662.1 | 5.37% | 0.00% | 5.95% (Feb 2025) | 4.77% (Jul 2024) | 98.24 L | 0 |
| Bharti Airtel Ltd. | Telecom – cellular & fixed line services | 9325.4 | 2.55% | 0.13% | 3.37% (Sep 2024) | 2.42% (May 2025) | 46.40 L | -1.43 K |
| GAIL (India) Ltd. | Gas transmission/marketing | 9192.7 | 2.51% | -0.48% | 4% (Jul 2024) | 2.51% (Jun 2025) | 4.82 Cr | -0.78 Cr |
| Tata Steel Ltd. | Iron & steel products | # Asian Paints (India) Ltd. | 2.40% | -0.14% | 2.54% (May 2025) | 1.92% (Jan 2025) | 5.51 Cr | -9.52 L |
| ITC Limited | Diversified fmcg | 8164.2 | 2.23% | -0.07% | 2.3% (May 2025) | 0.74% (Jul 2024) | 1.96 Cr | 0 |
| # Asian Paints (india) Ltd. | Paints | 7959.7 | 2.17% | 2.17% | 2.17% (Jun 2025) | 0% (Jul 2024) | 34.00 L | 34.00 L |
| HCL Technologies Limited | Computers – software & consulting | 7467 | 2.04% | 0.05% | 2.24% (Jan 2025) | 0.7% (Jul 2024) | 43.20 L | 0 |
| Tata Motors Ltd. | Passenger cars & utility vehicles | 7270.3 | 1.98% | 0.10% | 2.99% (Jul 2024) | 0.87% (Sep 2024) | 1.06 Cr | 12.53 L |
| Axis Bank Ltd. | Private sector bank | 7135.7 | 1.95% | -0.04% | 2.57% (Feb 2025) | 1.92% (Jul 2024) | 59.50 L | 0 |
Debt
Type of Holdings
| Security Type | % Weight | Category Average |
|---|---|---|
| GOI | 3.63% | 7.90% |
| CD | 0.67% | 0.55% |
| T-Bills | 0.00% | 1.15% |
| CP | 0.81% | 0.17% |
| NCD & Bonds | 19.35% | 11.60% |
| PTC | 0.00% | 0.28% |
Investment / Portfolio Grades
| Security Type | % Weight | Category Average |
|---|---|---|
| Government Backed | 3.63% | 9.05% |
| Low Risk | 19.14% | 11.85% |
| Moderate Risk | 0.00% | 0.00% |
| High Risk | 0.00% | 0.00% |
| Very High Risk | 0.00% | 0.00% |
| Others | 1.69% | 0.22% |
Others
| Name | Type of Instrument | Weight (%) |
|---|---|---|
| TREPS | TREPS | 2.69% |
| Brookfield India Real Estate Trust | InvITs | 1.21% |
| National Highways Infra Trust | InvITs | 1.04% |
| Embassy Office Parks REIT | InvITs | 0.89% |
| Net Receivables | Net Receivables | 0.85% |
Performance Analysis of SBI Balanced Advantage Fund Regular Growth
Given below are the performance analyses of the SBI Balanced Advantage Fund Regular Growth as per weeks and months until 7th August, 2025:
| Period | Returns (%) | Category Average (%) | Benchmark (%) |
|---|---|---|---|
| 1 Week | -1.02 | -0.47 | 0.48 |
| 1 Month | -2.64 | -1.55 | -0.89 |
| 3 Months | 1.08 | 2.19 | -3.19 |
| 6 Months | 3.97 | 4.04 | -3.77 |
| 1 Year | 4.08 | 3.44 | 5.5 |
| 2 Years | 12.65 | 12.77 | 12.28 |
| 3 Years | 13.62 | 11.96 | 9.65 |
| 5 Years | 0 | 12.56 | 12.81 |
| Since Inception | 11.2 | 9.73 | 11.41 |
Here is the visualisation of the above data:
- Someone who has a moderately high risk tolerance and is looking for long-term capital appreciation and income.
- Someone who prefers a hybrid fund that aims to deliver returns better than some traditional fixed income and inflation over a 5+ year horizon.
- Want downside protection with less volatility compared to pure equity funds, making it appropriate for conservative equity investors or those cautious about market swings.
- Someone who is looking for a professionally managed fund which have a disciplined quantitative framework and flexibility to adjust asset allocation which is based on market conditions.
- Someone comfortable with a minimum investment of 5,000 lump sum or 250-500 rupees via SIP. Along with it, someone can accept a 1% exit load if redeemed within one year on excess redemption.
Costs and Taxation of SBI Balanced Advantage Fund Regular Growth
Cost
Expense Ratio:
- Minimum Investment: 5,000 for a lump sum and 250 for SIP(Systematic Investment Plan)
- Exit Load: The exit load of 1% is applied on redemption of units exceeding 10% of the investment. If someone redeemed it within 1 year.
Regarding Taxation
The fund is a hybrid mutual fund, so the capital gains tax depends on holding period and gain type.
- Long-Term Capital Gains(LTCG): It is for equity-oriented hybrid funds that exceed ₹ 1 Lakh and are taxed at 10% without indexation.
- Short-Term Capital Gains: It is held for 12 months or less and are taxed at 15%.
Platform and Regulatory Update Of SBI Balanced Advantage Fund Regular Growth
Here are the key points that reflect the platform and regularity updates that come with SBI Balanced Advantage Fund Regular Growth:
- Availability: The fund can be invested in through SBI Mutual Fund’s official website and popular online platforms. These platforms like MySIPOnline and Venture Securities.
- Convenience: Many platforms offer online application, redemption, SIP Management, and features like auto-pay for easy transactions.
- Regulatory Compliance: Operates under SEBI guidelines for hybrid/dynamic asset allocation funds, ensuring investor protection, transparency, and proper disclosures.
- Exit And Texation: The platform charges 1% exit load on redemptions exceeding 10% which is under one year.
Pros & Cons Of SBI Balanced Advantage Fund Regular Growth
Advantages:
- Dynamic Asset Allocation adapts the equity-debt mix based on market conditions, balancing risk and growth potential.
- Consistent Performance with around 11-12% CAGR returns since inception, often outperforming peers.
- Downside Protection through debt allocation and dynamic strategy helps reduce volatility during market downturns.
- Suitable for Long-Term Investors, with a recommended investment horizon of 5+ years to beat inflation and fixed income.
- Professional Management, using quantitative asset allocation with multiple market signals and experienced fund managers.
Disadvantages:
- The risk level, being fairly high, might not be a good fit for the wants of very careful investors.
- The cost to manage the investment, about 1.56%-1.65%, is more than some investment options that are managed without much active involvement.
- A fee to sell of 1%, charged on withdrawals over 10% in the first year, could matter to investors who plan to invest for only a short period.
- Even though it’s less than funds that only invest in stocks, changes in Net Asset Value (NAV) can still happen, possibly causing short-term negative shifts.
- The starting investment needed, a one-time payment of ₹5,000 and a Systematic Investment Plan (SIP) of ₹250, might be too expensive for some investors who don’t have much money.
Alternative Funds Options For SBI Balanced Advantage Fund Regular Growth
Given below are the alternative fund options for the SBI Balanced Advantage Fund regular growth. Let’s have a look at them:
| Scheme Name | Crisil Rank | Asset Size (Cr) | 1M | 3M | 6M | 1Y | 3Y |
|---|---|---|---|---|---|---|---|
| WhiteOak Capital Balanced Advantage Fund – Regular Plan – Growth | NA | 1654.01 | -1.21 | 2.65 | 5.71 | 7.64 | 0 |
| ICICI Prudential Balanced Advantage Fund – Growth | 2 | 65297.87 | -0.88 | 2.39 | 5.89 | 6.27 | 12.94 |
| DSP Dynamic Asset Allocation Fund – Regular Plan – Growth | NA | 3453.72 | -0.4 | 1.92 | 4.92 | 6.19 | 11.21 |
| Parag Parikh Dynamic Asset Allocation Fund – Regular Plan – Growth | NA | 2238.35 | 0.09 | 1.24 | 4.33 | 5.88 | 0 |
| Aditya Birla Sun Life Balanced Advantage Fund – Growth | 2 | 8034.13 | -2.01 | 2.2 | 6.06 | 5.48 | 12.9 |
| UTI Balanced Advantage Fund – Regular Plan – Growth | NA | 3035.69 | -2.16 | 0.98 | 3.64 | 5.44 | 0 |
| Baroda BNP Paribas Balanced Advantage Fund – Growth | NA | 4413.02 | -2.54 | 4.26 | 5.89 | 5.05 | 14.47 |
| Mirae Asset Balanced Advantage Fund – Regular Plan – Growth | NA | 1899.14 | -1.44 | 2.6 | 5.03 | 4.97 | 0 |
| Axis Balanced Advantage Fund – Growth | NA | 3342.16 | -1.85 | 0.58 | 2.93 | 4.75 | 13.35 |
| HSBC Balanced Advantage Fund – Growth | NA | 1555.13 | -0.06 | 2.89 | 3.95 | 4.5 | 11.87 |
Conclusion
At the end of the blog, we simply want to emphasize that it is a great fund in which someone can invest, provided they are eligible. All you need to remember is to adjust its asset allocation between equities and debt. For long-term investors seeking to outpace inflation and achieve consistent returns, this fund has consistently demonstrated promising results, often outperforming its peers.
You can also read about:
- SBI Equity Hybrid Fund Regular Growth: Analysis & Forecast
- Bajaj Housing Finance Share Price Target 2025 to 2030: Analysis & Forecast
Disclaimer- This blog post is just meant to give you information and should not be seen as advice about money. Investing in the SBI Balanced Advantage Fund Regular Growth carries market risks, and past performance does not guarantee future results. You should consult a financial advisor before deciding where to invest your money. The person who wrote this is not responsible if you lose money.
Refresh Date: August 18, 2025
