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Mutual Funds
Sectoral/Thematic
Bank of India Mutual Fund
Bank of India Business Cycle Fund - Regular Plan - Growth

Bank of India Business Cycle Fund - Regular Plan - Growth

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.

Equity Holding : 97.67% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 97.67%

No of Stocks : 53 (Category Avg - 44.32) | Large Cap Investments : 39.05%| Mid Cap Investments : 7.69% | Small Cap Investments : 11.28% | Other : 39.65%

Portfolio Summary (as on 30th Nov,2025)

Particulars	This Scheme	Category
No. of Stocks	53	43.32
Top 5 Stock Weight	24.4%	32.47%
Top 10 Stock Weight	38.51%	49.62%
Top 3 Sector Weight	27.08%	43.58%

Category - Sectoral/Thematic

Particulars	This Scheme	Category
Average mcap (Cr)	88279.06	73233.13
Holdings in large cap stocks	39.05%	37.64%
Holdings in mid cap stocks	7.69%	14.46%
Holdings in small cap stocks	11.28%	12.73%

Category - Sectoral/Thematic

Top 10 Stocks holding in Portfolio (as on 30th Nov,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
# State Bank Of India	Public sector bank	397.5	7.47%	0.00%	6.79% (Oct 2025)	4.5% (Nov 2024)	4.06 L	0.00
# ICICI Bank Ltd.	Private sector bank	277.8	5.22%	0.00%	4.89% (Aug 2025)	0.44% (Nov 2024)	2.00 L	0.00
# HDFC Bank Ltd.	Private sector bank	241.8	4.54%	0.00%	6.97% (Feb 2025)	4.14% (Sep 2025)	2.40 L	0.00
# Bharti Airtel Ltd.	Telecom - cellular & fixed line services	197.6	3.71%	0.00%	3.45% (Oct 2025)	1.84% (Nov 2024)	94.00 k	0.00
# National Thermal Power Corporation Ltd.	Power generation	184.1	3.46%	0.00%	3.92% (Mar 2025)	2.22% (Nov 2024)	5.64 L	0.00
# ITC Limited	Diversified fmcg	177.9	3.34%	0.00%	3.32% (Aug 2025)	0% (Nov 2024)	4.40 L	0.00
# Siemens Energy India Ltd.	Power generation	148.5	2.79%	0.00%	2.93% (Sep 2025)	0% (Nov 2024)	47.00 k	0.00
# NTPC Green Energy Ltd.	Power generation	147	2.76%	0.00%	3.6% (Dec 2024)	1.85% (Nov 2024)	15.49 L	-1.01 L
# Sky Gold Ltd.	Gems, jewellery and watches	139.5	2.62%	0.00%	2.94% (May 2025)	2.01% (Sep 2025)	4.21 L	0.00
# PB Fintech Ltd.	Financial technology (fintech)	138.2	2.60%	0.00%	2.48% (Aug 2025)	1.52% (Nov 2024)	76.00 k	0.00

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

View complete holding

Complete equity Portfolio (as on 30th Nov,2025)

None
Sector
M-Cap

Help me understand this table

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
# State Bank Of India	Public sector bank	7.47	397.5	7.47%	0.00%	6.79% (Oct 2025)	4.5% (Nov 2024)	4.06 L	0.00	Large Cap	39.05
# ICICI Bank Ltd.	Private sector bank	10.6	277.8	5.22%	0.00%	4.89% (Aug 2025)	0.44% (Nov 2024)	2.00 L	0.00	Large Cap	39.05
# HDFC Bank Ltd.	Private sector bank	10.6	241.8	4.54%	0.00%	6.97% (Feb 2025)	4.14% (Sep 2025)	2.40 L	0.00	Other	39.65
# Bharti Airtel Ltd.	Telecom - cellular & fixed line services	3.71	197.6	3.71%	0.00%	3.45% (Oct 2025)	1.84% (Nov 2024)	94.00 k	0.00	Large Cap	39.05
# National Thermal Power Corporation Ltd.	Power generation	9.01	184.1	3.46%	0.00%	3.92% (Mar 2025)	2.22% (Nov 2024)	5.64 L	0.00	Large Cap	39.05
# ITC Limited	Diversified fmcg	3.34	177.9	3.34%	0.00%	3.32% (Aug 2025)	0% (Nov 2024)	4.40 L	0.00	Large Cap	39.05
# Siemens Energy India Ltd.	Power generation	9.01	148.5	2.79%	0.00%	2.93% (Sep 2025)	0% (Nov 2024)	47.00 k	0.00	Other	39.65
# NTPC Green Energy Ltd.	Power generation	9.01	147	2.76%	0.00%	3.6% (Dec 2024)	1.85% (Nov 2024)	15.49 L	-1.01 L	Other	39.65
# Sky Gold Ltd.	Gems, jewellery and watches	3.75	139.5	2.62%	0.00%	2.94% (May 2025)	2.01% (Sep 2025)	4.21 L	0.00	Small Cap	11.28
# PB Fintech Ltd.	Financial technology (fintech)	2.6	138.2	2.60%	0.00%	2.48% (Aug 2025)	1.52% (Nov 2024)	76.00 k	0.00	Other	39.65
# Ambuja Cements Ltd.	Cement & cement products	2.48	132.1	2.48%	0.00%	2.49% (Aug 2025)	0% (Nov 2024)	2.40 L	0.00	Large Cap	39.05
# Reliance Industries Ltd.	Refineries & marketing	2.47	131.7	2.47%	0.00%	1.3% (Oct 2025)	0% (Nov 2024)	84.00 k	35.00 k	Large Cap	39.05
# TD Power Systems Ltd.	Heavy electrical equipment	7.03	129.8	2.44%	0.00%	2.31% (Oct 2025)	0.24% (Nov 2024)	1.67 L	0.00	Other	39.65
# Power Grid Corporation of India Ltd.	Power - transmission	2.4	127.7	2.40%	0.00%	2.72% (Apr 2025)	2.4% (Sep 2025)	4.73 L	0.00	Large Cap	39.05
# Quality Power Electrical Equipments Ltd.	Heavy electrical equipment	7.03	125.9	2.36%	0.00%	3.39% (Sep 2025)	0% (Nov 2024)	1.69 L	0.00	Other	39.65
# Glenmark Pharmaceuticals Ltd.	Pharmaceuticals	4.82	116.8	2.19%	0.00%	2.26% (Jul 2025)	0% (Nov 2024)	60.00 k	0.00	Mid Cap	7.69
# S.J.S. Enterprises Ltd.	Auto components & equipments	2.04	108.5	2.04%	0.00%	2.25% (Oct 2025)	0.87% (Mar 2025)	64.00 k	-0.14 L	Other	39.65
# SBI Cards and Payment Services Ltd.	Non banking financial company (nbfc)	1.82	96.8	1.82%	0.00%	1.73% (Oct 2025)	0% (Nov 2024)	1.10 L	0.00	Other	39.65
# Zaggle Prepaid Ocean Service Pvt Ltd.	It enabled services	1.8	95.9	1.80%	0.00%	2.18% (Dec 2024)	0.54% (Nov 2024)	2.44 L	0.00	Other	39.65
# InterGlobe Aviation Ltd.	Airline	1.77	94.4	1.77%	0.00%	1.67% (Jul 2025)	0% (Nov 2024)	16.00 k	0.00	Large Cap	39.05
# Britannia Industries Ltd.	Packaged foods	1.76	93.5	1.76%	0.00%	1.51% (Oct 2025)	0% (Nov 2024)	16.00 k	1.50 k	Large Cap	39.05
# Dr. Reddys Laboratories Ltd.	Pharmaceuticals	4.82	89.4	1.68%	0.00%	1.65% (Aug 2025)	0.9% (Nov 2024)	71.00 k	0.00	Other	39.65
# LG Electronics India Pvt. Ltd.	Consumer electronics	2.27	83	1.56%	0.00%	1.31% (Oct 2025)	0% (Nov 2024)	50.00 k	5.96 k	Other	39.65
# Tinna Rubber and Infrastructure Ltd.	Specialty chemicals	1.44	76.7	1.44%	0.00%	1.56% (Oct 2025)	0.78% (Nov 2024)	91.00 k	0.00	Small Cap	11.28
# Siemens Ltd.	Heavy electrical equipment	7.03	75.8	1.42%	0.00%	2.64% (Jan 2025)	1.23% (Jul 2025)	23.00 k	0.00	Large Cap	39.05
# Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	1.41	75.2	1.41%	0.00%	2.25% (Jan 2025)	1.06% (May 2025)	20.00 k	0.00	Large Cap	39.05
# Shakti Pumps (India) Ltd.	Compressors, pumps & diesel engines	2.23	74.1	1.39%	0.00%	1.72% (Jul 2025)	0% (Nov 2024)	1.09 L	0.00	Small Cap	11.28
# Apollo Hospitals Enterprises Ltd.	Hospital	1.38	73.4	1.38%	0.00%	1.4% (Aug 2025)	0% (Nov 2024)	10.00 k	0.00	Mid Cap	7.69
# Netweb Technologies India Ltd.	Computers hardware & equipments	1.38	73.3	1.38%	0.00%	1.95% (Oct 2025)	0.71% (Apr 2025)	22.27 k	-4.74 k	Other	39.65
# Asian Paints (india) Ltd.	Paints	1.3	69	1.30%	1.30%	0.05% (Nov 2024)	0% (Nov 2024)	24.00 k	24.00 k	Large Cap	39.05
# Century Plyboards India Ltd.	Plywood boards/ laminates	1.3	69	1.30%	0.00%	1.27% (Sep 2025)	0% (Nov 2024)	86.12 k	0.00	Small Cap	11.28
# Kaynes Technology India Private Ltd.	Industrial products	1.24	65.9	1.24%	0.00%	1.54% (Sep 2025)	0.94% (Nov 2024)	12.00 k	0.00	Other	39.65
# K.P.R. Mill Ltd.	Other textile products	2.26	65.9	1.24%	0.00%	1.32% (Jan 2025)	0.84% (Nov 2024)	61.00 k	0.00	Other	39.65
# Unicommerce Esolutions Ltd.	Software products	1.19	63.4	1.19%	0.00%	1.35% (Jan 2025)	1.05% (Jul 2025)	4.96 L	0.00	Other	39.65
# Prudent Corporate Advisory Services Ltd.	Financial products distributor	1.14	60.8	1.14%	0.00%	1.91% (May 2025)	0.75% (Dec 2024)	24.58 k	-0.12 L	Other	39.65
# Ethos Ltd.	Gems, jewellery and watches	3.75	60.3	1.13%	0.00%	1.02% (Oct 2025)	0.52% (Nov 2024)	19.74 k	0.00	Other	39.65
# Nippon Life India Asset Management Ltd.	Asset management company	1.12	59.5	1.12%	0.00%	1.13% (Jun 2025)	0.87% (Nov 2024)	68.00 k	0.00	Mid Cap	7.69
# Computer Age Management Services Pvt Ltd.	Depositories, clearing houses and other intermediaries	1.11	59.1	1.11%	0.00%	1.52% (Jun 2025)	0% (Nov 2024)	15.27 k	-5.11 k	Other	39.65
# Torrent Power Ltd.	Integrated power utilities	2.07	55.2	1.04%	0.00%	1.21% (Mar 2025)	0.45% (Nov 2024)	42.00 k	0.00	Mid Cap	7.69
# Tata Power Co. Ltd.	Integrated power utilities	2.07	54.6	1.03%	0.00%	1.56% (Mar 2025)	0.91% (Nov 2024)	1.40 L	0.00	Mid Cap	7.69
# Ganesha Ecosphere Ltd.	Other textile products	2.26	54.1	1.02%	0.00%	1.58% (Nov 2024)	1.09% (Sep 2025)	59.00 k	8.00 k	Small Cap	11.28
# Aditya Vision Ltd.	Speciality retail	2.8	52.4	0.98%	0.00%	1.38% (Oct 2025)	0.75% (Nov 2024)	1.00 L	-0.35 L	Other	39.65
# Gufic Biosciences Ltd.	Pharmaceuticals	4.82	50.5	0.95%	0.00%	1.21% (Jan 2025)	0.83% (Oct 2025)	1.42 L	0.00	Small Cap	11.28
# Oberoi Realty Ltd.	Residential, commercial projects	0.93	49.4	0.93%	0.00%	1.55% (Dec 2024)	0.95% (Oct 2025)	30.00 k	0.00	Mid Cap	7.69
# V2 Retail Ltd.	Speciality retail	2.8	49	0.92%	0.00%	1.39% (Oct 2025)	0.36% (Nov 2024)	20.00 k	-0.12 L	Small Cap	11.28
# Arvind Fashions Ltd.	Speciality retail	2.8	47.7	0.90%	0.00%	0.93% (Jul 2025)	0.69% (Mar 2025)	94.60 k	0.00	Other	39.65
# Oswal Pumps Ltd.	Compressors, pumps & diesel engines	2.23	44.9	0.84%	0.00%	1.19% (Aug 2025)	0% (Nov 2024)	81.46 k	0.00	Other	39.65
# Edelweiss Securities Pvt. Ltd.	Stockbroking & allied	0.84	44.8	0.84%	0.00%	1.81% (Jun 2025)	0.87% (Nov 2024)	6.00 k	-2.00 k	Other	39.65
# Kotak Mahindra Bank Ltd.	Private sector bank	10.6	44.6	0.84%	0.00%	1.16% (Nov 2024)	0% (Nov 2024)	21.00 k	0.00	Large Cap	39.05
# Safari Industries (India) Ltd.	Plastic products - consumer	0.83	43.9	0.83%	0.00%	0.82% (Feb 2025)	0.67% (Jul 2025)	18.08 k	0.00	Small Cap	11.28
# Schneider Electric Infrastructure Ltd.	Heavy electrical equipment	7.03	43	0.81%	0.00%	1.63% (Jul 2025)	0.99% (Apr 2025)	60.00 k	-0.21 L	Small Cap	11.28
# Dixon Technologies (India) Ltd.	Consumer electronics	2.27	38	0.71%	0.00%	2.77% (Apr 2025)	0.72% (Oct 2025)	2.60 k	0.00	Other	39.65
# Eternal Ltd.	E-retail/ e-commerce	0.56	30	0.56%	0.00%	2.05% (Dec 2024)	0.54% (Jul 2025)	1.00 L	0.00	Other	39.65
Clean Science and Technology Ltd.	Commodity chemicals		25.2	0.00%	-0.45%	-	-	-	-	Other	39.65
Indian Hotels Company Limited	Hotels & resorts		57.1	0.00%	-1.02%	-	-	-	-	Mid Cap	7.69

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

New Stocks added in Portfolio (in 1 month period ending 30th Nov,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
# Asian Paints (india) Ltd.	Paints	69	1.30%	1.30%	0.05% (Nov 2024)	0% (Nov 2024)	24.00 k	24000

Stocks removed from Portfolio (in 1 month period ending 30th Nov,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
Clean Science and Technology Ltd.	Commodity chemicals	25.2	0.00%	-0.45%	2.16% (Aug 2025)	0% (Nov 2024)	0.00	-25000
Indian Hotels Company Limited	Hotels & resorts	57.1	0.00%	-1.02%	1.18% (Mar 2025)	0% (Nov 2024)	0.00	-77000

Trend in stock holdings (Top 15 Holding)

Stock	Nov 2025	Oct 2025	Sep 2025	Aug 2025	Jul 2025	Jun 2025	May 2025	Apr 2025	Mar 2025	Feb 2025	Jan 2025	Dec 2024	Nov 2024
State Bank Of India	7.47%	6.79%	6.43%	6.00%	5.72%	5.79%	5.85%	6.00%	6.08%	5.52%	5.53%	5.17%	4.50%
HDFC Bank Ltd.	4.54%	4.23%	4.14%	4.21%	5.74%	5.60%	5.56%	6.85%	6.75%	6.97%	6.10%	6.78%	6.28%
ICICI Bank Ltd.	5.22%	4.80%	4.65%	4.89%	3.93%	3.77%	3.85%	4.20%	3.85%	3.01%	2.79%	1.60%	0.44%
National Thermal Power Corporation Ltd.	3.46%	3.39%	3.48%	3.40%	3.33%	3.28%	3.34%	3.75%	3.92%	3.72%	3.45%	2.23%	2.22%
Rural Electrification Corporation Limited	-	-	2.55%	2.43%	2.63%	2.64%	2.69%	4.03%	4.27%	3.20%	3.57%	3.40%	2.22%
NTPC Green Energy Ltd.	2.76%	3.04%	2.91%	3.13%	3.04%	3.00%	3.26%	3.11%	3.22%	3.05%	3.58%	3.60%	1.85%
Bharti Airtel Ltd.	3.71%	3.45%	3.20%	3.03%	2.81%	2.90%	2.73%	2.90%	2.79%	2.76%	2.55%	2.26%	1.84%
Siemens Energy India Ltd.	2.79%	2.67%	2.93%	2.92%	2.69%	2.43%	-	-	-	-	-	-	-
ITC Limited	3.34%	3.30%	3.21%	3.32%	3.20%	1.23%	-	-	-	-	-	-	0.21%
Power Grid Corporation of India Ltd.	2.40%	2.43%	2.40%	2.40%	2.43%	2.46%	2.43%	2.72%	2.67%	2.51%	2.70%	2.51%	2.45%
Quality Power Electrical Equipments Ltd.	2.36%	3.07%	3.39%	2.53%	2.35%	1.90%	0.94%	-	-	-	-	-	-
Ambuja Cements Ltd.	2.48%	2.42%	2.48%	2.49%	2.37%	2.27%	2.22%	2.28%	1.99%	-	-	-	-
Sky Gold Ltd.	2.62%	2.68%	2.01%	2.23%	2.15%	2.30%	2.94%	2.42%	2.31%	2.24%	2.12%	2.24%	2.02%
PB Fintech Ltd.	2.60%	2.42%	2.35%	2.48%	2.43%	2.41%	2.38%	2.31%	2.35%	2.36%	2.48%	2.10%	1.52%
Glenmark Pharmaceuticals Ltd.	2.19%	2.03%	2.13%	2.13%	2.26%	-	-	-	-	-	-	-	-

No of Debt Holding 1 (Category Avg - 0.84) | Modified Duration 0.00 Years (Category Avg - - --)| Yield to Maturity - -- (Category Avg - 0.00%)

Portfolio Summary (as on 30th Nov,2025)

Security Type	% Weight	Category Average
GOI	0.00%	0.02%
T-Bills	0.02%	0.41%

Category - Sectoral/Thematic

Security Type	% Weight	Category Average
Government Backed	0.02%	0.43%
Low Risk	0.00%	0.00%
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 - Sectoral/Thematic

Debt holding in Portfolio (as on 30th Nov,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - T-Bill	T-Bills	Other			0.99	0.02%	10.00 k

Name	Type of Instrument	Weight (%)
TREPS	TREPS	2.53%
Net Receivables	Net Receivables	-0.22%

Bank of India Business Cycle Fund - Regular Plan - Growth

Portfolio Summary (as on 30th Nov,2025)

Top 10 Stocks holding in Portfolio (as on 30th Nov,2025)

Complete equity Portfolio (as on 30th Nov,2025)

New Stocks added in Portfolio (in 1 month period ending 30th Nov,2025)

Stocks removed from Portfolio (in 1 month period ending 30th Nov,2025)

Trend in stock holdings (Top 15 Holding)

Portfolio Summary (as on 30th Nov,2025)

Debt holding in Portfolio (as on 30th Nov,2025)

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