Truth Check: Did Your BAF Increase Equity When Markets Fell?

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Did Your “Balanced” Fund Really Buy Low?

Series: #PFTidbits by Kannan M. – 4

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When markets crash, every BAF claims it grabs more equities “cheap” for your benefit. But do the numbers tell the same story?

🔍 Market Checkpoints — Actual Equity Allocations:

Period	HDFC	ICICI	SBI	UTI	Tata
Apr 2020 (Crash)	81%	67%	N/A	N/A	74%
Apr 2025 (Peak)	67%	45%	39%	68%	68%
Mid-2023 (Normal)	67%	66%	44%	65%	69%

💡 Insight:
HDFC and Tata ramped up equity at the market’s bottom—delivering on the “buy when cheap” promise. ICICI played it safer, while other schemes adjusted more cautiously.

Flip Side:
Some funds made only modest moves, hinting they might be following marketing claims, not real dynamic rebalancing.

🎯 Takeaway:
Don’t go by slogans! Ask your advisor:

• Did my BAF increase equity when the market truly tanked?

• How flexible is my fund’s engine room—really?

Read our complete fund-by-fund stories, model comparisons, and rare data insights in the full analysis on Perplexity page

🔗 Balanced Advantage Funds: Risk Reality Check

Knowledge grows not in headlines, but in hard numbers.

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Tidbits Series

1. Small Caps: Funded vs. Fumbled

2. NFOs & Comet AI OS: Two Birds, One Stone

3. The Truth Behind “Zero-Cost EMI”

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