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SBI Balanced Advantage Fund - Direct Plan download report


Suitability:

"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. Click here to read a primer on SIP investing.

Warning: Do not invest in this, or any other balanced hybrid fund, if you need to redeem your investment in less than five years."

Taxability of earnings:

The tax treatment of this fund may vary depending upon its asset allocation. It will be taxed in the following manner based on its average asset allocation in the last 12 months.

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
SBI Balanced Advantage Fund Direct-G 3.54 0.09 1.05 4.15 4.82 3.98 -- -- -- -- --
VR Balanced TRI 4.22 0.09 1.56 9.39 10.18 4.42 -- -- -- -- --
Hybrid: Dynamic Asset Allocation 3.63 0.05 1.13 5.68 7.08 4.58 -- -- -- -- --
Rank within category 14 13 18 25 26 17 -- -- -- -- --
Number of funds in category 28 30 29 29 29 29 25 22 14 11 0

As on 18-Aug-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
SBI Balanced Advantage Fund - Direct Plan
Unrated
Aug-21 -- -- -- 0.52 24,294
ICICI Prudential Balanced Advantage Fund - Direct Plan  | Invest Now
4 star
Jan-13 10.14 14.35 11.06 0.95 41,742
ICICI Prudential Asset Allocator Fund (FOF) - Direct Plan  | Invest Now
4 star
Jan-13 8.99 15.02 11.90 0.13 16,869
Kotak Balanced Advantage Fund - Direct Plan  | Invest Online
4 star
Aug-18 7.54 13.84 -- 0.49 14,157
Edelweiss Balanced Advantage Fund - Direct Plan  | Invest Online
5 star
Jan-13 6.92 17.81 12.83 0.47 8,458

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 2.27 07-Mar-2022 - 14-Mar-2022 -2.64 09-Jun-2022 - 16-Jun-2022
Month 5.24 07-Mar-2022 - 06-Apr-2022 -4.16 12-Apr-2022 - 12-May-2022
Quarter 4.95 13-May-2022 - 12-Aug-2022 -4.35 17-Mar-2022 - 17-Jun-2022
Year -- - -- -

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
SBI Balanced Advantage Fund Direct-G -- -- -- -- -- --
VR Balanced TRI* 15.74 18.34 0.67 0.80 -- --
Hybrid: Dynamic Asset Allocation* 12.76 12.47 0.76 0.94 0.62 1.64
Rank within category -- -- -- -- -- --
Number of funds in category -- -- -- -- -- --

The Risk Measures have been calculated using calendar month returns for the last three years.

As on

* As on 31-Jul-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 91
Top 10 Holdings (%) 37.38
Top 5 Holdings (%) 24.40
Top 3 Sectors (%) 21.87
Portfolio P/B Ratio 3.06
Portfolio P/E Ratio 19.13
Avg Credit Rating GOI/Cash

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 5.63% GOI 2026 GOI Securities SOV 11.12 - 23.62 11.12
equal National Bank Agr. Rur. Devp 175-D 30/08/2022 Commercial Paper A1+ 0.00 - 2.12 2.05
equal HDFC Bank 2022 Certificate of Deposit A1+ 0.00 - 2.11 2.05
equal 7.94% Telangana State 29/06/2036 State Development Loan SOV 0.00 - 1.02 0.99
equal Axis Bank 29/08/2022 Certificate of Deposit A1+ 0.00 - 0.85 0.82
equal Reserve Bank of India 182-D 01/09/2022 Treasury Bills SOV 0.00 - 0.85 0.82
equal 8.03% Andhra Pradesh State 2035 State Development Loan SOV 0.00 - 0.84 0.82
equal 6.37% L&T Metro Rail (Hyderabad) 30/04/2025 Debenture AAA 0.00 - 0.87 0.80
equal 5.74% GOI 15/11/2026 GOI Securities SOV 0.00 - 0.65 0.63
equal 7.95% Andhra Pradesh State 29/06/2040 State Development Loan SOV 0.00 - 0.64 0.62
equal 7.96% West Bengal State 29/06/2037 State Development Loan SOV 0.00 - 0.47 0.45
equal Reserve Bank of India 364-D 24/11/2022 Treasury Bills SOV 0.00 - 0.42 0.40

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
up ICICI Bank Financial 22.21 4.08 0.93 3.88
equal Axis Bank Financial 14.56 3.29 0.63 3.15
equal HDFC Financial 19.82 3.47 0.00 3.14
equal ITC Consumer Staples 23.89 3.10 0.89 3.10
equal HDFC Bank Financial 21.15 2.84 0.86 2.69
up Infosys Technology 29.90 2.52 0.27 2.52
equal National Highways Infra Trust Construction -- 2.84 0.00 2.50
equal Reliance Industries Energy 27.12 2.42 0.00 2.15
up Larsen & Toubro Construction 28.94 2.13 0.76 2.13
up Tech Mahindra Technology 20.17 2.91 0.66 2.11
equal Bharti Airtel Communication 78.28 2.56 0.58 2.11
equal State Bank of India Financial 13.45 2.03 0.58 2.03
equal Adani Enterprises Services 368.90 1.73 0.15 1.73
up Tata Consultancy Services Technology 31.89 1.97 0.00 1.73
equal HCL Technologies Technology 19.46 2.03 0.80 1.60
equal GAIL Energy 4.45 1.73 0.79 1.52
equal Mahindra & Mahindra Automobile 18.78 1.41 0.00 1.41
up Tata Steel Metals & Mining 3.53 1.53 0.00 1.41
equal DLF Construction 58.98 1.37 0.00 1.30
equal Sun Pharmaceutical Industries Healthcare 56.51 1.28 0.00 1.28
down SBI Life Insurance Company Insurance 85.70 1.52 0.00 1.24
equal NHPC Energy 7.18 1.13 0.00 1.13
equal Cipla Healthcare 33.50 1.23 0.03 1.06
down Power Grid Corporation Energy 10.34 1.23 0.62 1.04
down Kotak Mahindra Bank Financial 29.00 3.00 0.47 1.03

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Jul-2022

Fund Manager

— Dinesh Balachandran since 12-Aug-2021

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.

Interviews:

Funds Managed:

— Dinesh Ahuja since 12-Aug-2021

Education: Mr. Ahuja is a B.Com (H) and MMS (Finance).

Experience: Prior to joining SBI AMC he has worked with L&T Investment management Ltd., Reliance Asset Management Ltd and Reliance General insurance Company Ltd.

Funds Managed:


0.09%

Change from previous, NAV as on 18-Aug-2022

Growth: ₹ 10.6290

IDCW: ₹ 10.6296


Investment Strategy

The scheme seeks to provide long term capital appreciation / income from a dynamic mix of equity and debt investments.

Investment Details

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 500
Min. No of Cheques 12
Min. Withdrawal (₹) 500
Min. Balance (₹) --
Lock-in Period Not Applicable
Exit Load For units in excess of 10% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: SBI Mutual Fund
Launch Date: 31-Aug-2021
Return Since Launch: 6.29%
Benchmark: NIFTY 50 Hybrid Composite debt 50:50 Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 24,294 Cr (As on 31-Jul-2022)
Expense Ratio: 0.52% (As on 31-Jul-2022)
Risk Grade: --
Return Grade: --
Turnover: --

Contact Information

AMC: SBI Funds Management Ltd

Address: 9th Floor-Crescenzo, C-38 & 39- G Block, Bandra-Kurla Complex, Bandra (East) Mumbai - 400051

Phone: 022-61793000 / 1800-425-5425

Fax: 022-22189663

Website: http://www.sbimf.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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