SBI Balanced Advantage Fund vs UNIFI DYNAMIC ASSET ALLOCATION FUND
SBI Balanced Advantage Fund and UNIFI DYNAMIC ASSET ALLOCATION FUND are both Balanced Advantage funds. As of 6 Nov 2026 (Direct plan, Growth option): 3-year CAGR +10.50% vs —, 5-year CAGR +10.18% vs —, volatility 8.12% vs 0.75%, maximum drawdown −7.39% vs −0.17%. Their portfolios overlap by 18.6% (46 stocks held by both).
Showing the Direct plan, Growth option. Portfolio, sector and market-cap figures are the same for every plan and option of a fund.
Key facts
| SBI Balanced Advantage | UNIFI DYNAMIC ASSET ALLOCATION | |
|---|---|---|
| Fund house | SBI Mutual Fund | Unifi Mutual Fund |
| Compared as | Balanced Advantage | Balanced Advantage |
| NAV | ₹16.6690 | ₹11.4478 |
| NAV date | 6 Nov 2026 | 6 Nov 2026 |
| Launched (first NAV) | 7 Sep 2021 | 17 Mar 2025 |
| Track record | 5.2 yrs | 1.6 yrs |
| Fund size (AUM) | ₹40,545 Cr | ₹1,478 Cr |
| Securities held | 131 | 143 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| SBI Balanced Advantage | UNIFI DYNAMIC ASSET ALLOCATION | |
|---|---|---|
| 1 month | +3.55% | +0.69% |
| 3 months | −0.89% | +2.25% |
| 6 months | +0.36% | +4.71% |
| 1 year | +1.29% | +8.75% |
| 3 years (CAGR) | +10.50% | — |
| 5 years (CAGR) | +10.18% | — |
| 7 years (CAGR) | — | — |
| 10 years (CAGR) | — | — |
| Since launch (CAGR) | +10.29% | +8.56% |
| SIP return (XIRR, 5 years) ⓘ | +9.42% | — |
Up to one year: absolute return. Beyond one year: CAGR. Computed from each fund's own NAV history (AMFI), measured to the latest NAV.
Calendar-year returns
| SBI Balanced Advantage | UNIFI DYNAMIC ASSET ALLOCATION | |
|---|---|---|
| 2026 (year to date) | −0.92% | +7.40% |
| 2025 | +10.93% | — |
| 2024 | +14.50% | — |
| 2023 | +21.49% | — |
| 2022 | +6.20% | — |
Risk
| SBI Balanced Advantage | UNIFI DYNAMIC ASSET ALLOCATION | |
|---|---|---|
| Volatility (annualised) ⓘ | 8.12% | 0.75% |
| Downside volatility ⓘ | 5.70% | 0.27% |
| Sharpe ratio ⓘ | 0.49 | 2.73 |
| Sortino ratio ⓘ | 0.70 | 7.56 |
| Maximum drawdown ⓘ | −7.39% | −0.17% |
| Recovery from that fall | 4 months | 0 months |
| Current fall from peak | −1.49% | 0.00% |
| Rolling 1-year return: worst | −3.47% | +7.09% |
| Rolling 1-year return: median | +9.71% | +8.06% |
| Rolling 1-year return: best | +28.51% | +8.79% |
| Share of 1-year periods with a loss | 1.84% | 0.00% |
Against each fund's benchmark
| SBI Balanced Advantage | UNIFI DYNAMIC ASSET ALLOCATION | |
|---|---|---|
| Beta ⓘ | 0.53 | 0.02 |
| Alpha (Jensen's, annualised) ⓘ | +1.38% | +1.53% |
| R² ⓘ | 93.16 | 14.91 |
| Upside capture | 67.07% | 26.10% |
| Downside capture | 46.05% | -18.27% |
| Tracking error | 7.34% | 14.49% |
| Information ratio | 0.12 | 0.58 |
| Treynor ratio | 5.46 | 85.69 |
Portfolio
Asset mix
| SBI Balanced Advantage | UNIFI DYNAMIC ASSET ALLOCATION | |
|---|---|---|
| Equity | 67.36% | 36.08% |
| Debt | 23.20% | 52.03% |
| Cash & equivalents | 6.21% | 11.90% |
| REITs / InvITs | 3.23% | 0.00% |
Market-cap split (share of fund assets)
| SBI Balanced Advantage | UNIFI DYNAMIC ASSET ALLOCATION | |
|---|---|---|
| Large Cap | 49.59% | 28.56% |
| Mid Cap | 10.49% | 3.65% |
| Small Cap | 7.28% | 3.66% |
| Unclassified | 0.00% | 0.19% |
Concentration
| SBI Balanced Advantage | UNIFI DYNAMIC ASSET ALLOCATION | |
|---|---|---|
| Top 10 holdings | 26.22% | 29.95% |
| Effective number of stocks ⓘ | 72.1 | 64.6 |
| Securities held | 131 | 143 |
Portfolio overlap: 18.6%
46 companies are held by both funds; by weight, 18.6% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | SBI Balanced Advantage | UNIFI DYNAMIC ASSET ALLOCATION |
|---|---|---|
| HDFC Bank Limited | 3.68% | 3.22% |
| Axis Bank Limited | 1.80% | 1.73% |
| Bharti Airtel Limited | 1.36% | 1.19% |
| ITC Limited | 1.28% | 1.14% |
| Reliance Industries Limited | 4.24% | 1.05% |
| JSW Kalinga Steel Ltd. | 1.03% | 2.82% |
| Tata Steel Ltd. | 1.84% | 1.02% |
| ICICI Bank Limited | 3.58% | 0.96% |
| State Bank of India | 0.74% | 1.85% |
| Mahindra & Mahindra Limited | 1.22% | 0.64% |
| Indus Towers Limited | 1.93% | 0.55% |
| Cummins India Limited | 0.56% | 0.52% |
| Kotak Mahindra Bank Limited | 1.10% | 0.51% |
| Tata Motors Passenger Vehicles Limited | 1.58% | 0.39% |
| Bank of Baroda | 1.23% | 0.37% |
Top 10 holdings
SBI Balanced Advantage
- Reliance Industries Limited4.24%
- HDFC Bank Limited3.68%
- ICICI Bank Limited3.58%
- GAIL (India) Ltd.2.54%
- Larsen & Toubro Limited2.44%
- Tech Mahindra Limited2.06%
- 364 Days Tbill (MD 04/03/2027)2.05%
- Indus Towers Limited1.93%
- Punjab National Bank1.86%
- Tata Steel Ltd.1.84%
UNIFI DYNAMIC ASSET ALLOCATION
- 9.45% Vedanta Limited4.11%
- 9.75% Shrem Infra Invest Pvt Ltd 15-MAY-20283.79%
- Government of India (10/04/2028)3.76%
- GMR Airports Ltd.3.26%
- HDFC Bank Limited3.22%
- JSW Kalinga Steel Ltd.2.82%
- 10.00% GMR Goa International Airport Ltd. 27-SEP-20432.69%
- 0.00% Jubilant Bevco Ltd (31-May-2028)2.28%
- 10.80% Namdev Finvest Limited 18-OCT-20292.02%
- 6.94% Government of India (11/05/2036)2.00%
Sector exposure
| SBI Balanced Advantage | UNIFI DYNAMIC ASSET ALLOCATION | |
|---|---|---|
| Banks | 15.91% | 10.11% |
| CRISIL AAA | 6.65% | 0.50% |
| Sovereign | 4.36% | 6.08% |
| CRISIL AA+ | 5.42% | 5.79% |
| CRISIL AA | 2.14% | 5.10% |
| Power | 4.89% | 0.60% |
| CARE A- | 0.00% | 4.71% |
| CRISIL AA- | 0.00% | 4.54% |
| Petroleum Products | 4.50% | 1.09% |
| CRISIL A+ | 0.00% | 4.32% |
| Pharmaceuticals & Biotechnology | 4.25% | 1.46% |
| IT - Software | 4.02% | 1.40% |
| IND AA | 0.00% | 3.79% |
| Retailing | 3.75% | 0.29% |
Questions people ask
What is the difference between SBI Balanced Advantage and UNIFI DYNAMIC ASSET ALLOCATION returns?
As of 6 Nov 2026, Direct plan Growth option: 1-year return +1.29% vs +8.75%; 3-year CAGR +10.50% vs —; 5-year CAGR +10.18% vs —; 10-year CAGR — vs —. Past returns do not indicate future returns.
How do SBI Balanced Advantage and UNIFI DYNAMIC ASSET ALLOCATION compare on risk?
Volatility (36 monthly returns, annualised) 8.12% vs 0.75%; Sharpe ratio 0.49 vs 2.73; Sortino ratio 0.70 vs 7.56; maximum drawdown −7.39% vs −0.17%; beta 0.53 vs 0.02.
How much do SBI Balanced Advantage and UNIFI DYNAMIC ASSET ALLOCATION overlap?
By weight, 18.6% of the two portfolios is invested in the same companies; 46 stocks are held by both, the largest shared positions being HDFC Bank Limited, Axis Bank Limited, Bharti Airtel Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of SBI Balanced Advantage and UNIFI DYNAMIC ASSET ALLOCATION?
SBI Balanced Advantage: large cap 49.6%, mid cap 10.5%, small cap 7.3%. UNIFI DYNAMIC ASSET ALLOCATION: large cap 28.6%, mid cap 3.7%, small cap 3.7% (share of the fund's assets, from its latest disclosed portfolio).
Is this a recommendation to choose one of these funds?
No. This page places the published figures of both funds side by side. It does not rank, rate or recommend either fund; which one suits an investor depends on their goals, horizon and risk tolerance.
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Sources: NAV from AMFI; returns, risk and ratios computed by MF Analyser from each fund's NAV history (risk on 36 monthly returns, risk-free rate 6.5%); benchmark ratios against each fund's benchmark total-return index; portfolios from each fund house's monthly disclosure. Returns and ratios as of 6 Nov 2026. IDCW options show no return or risk figures because payouts reduce the NAV and AMFI's file carries no payout history to add back. This page compares published figures only — it does not rank, rate or recommend either fund. Past performance does not indicate future returns; mutual fund investments are subject to market risks.