Bank of India Consumption Fund - Direct 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 : 95.00% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 95.00%

No of Stocks : 33 (Category Avg - 44.17) | Large Cap Investments : 47.57%| Mid Cap Investments : 12.43% | Small Cap Investments : 7.48% | Other : 27.52%

Portfolio Summary (as on 31st Oct,2025)

Particulars	This Scheme	Category
No. of Stocks	33	43.41
Top 5 Stock Weight	35.3%	32.46%
Top 10 Stock Weight	52.36%	49.59%
Top 3 Sector Weight	26.66%	43.5%

Category - Sectoral/Thematic

Particulars	This Scheme	Category
Average mcap (Cr)	72422.03	72450.77
Holdings in large cap stocks	47.57%	37.14%
Holdings in mid cap stocks	12.43%	14.47%
Holdings in small cap stocks	7.48%	13.1%

Category - Sectoral/Thematic

Top 10 Stocks holding in Portfolio (as on 31st Oct,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	382.5	9.20%	0.35%	10.41% (Apr 2025)	0% (Nov 2024)	1.86 L	0.00
ITC Limited	Diversified fmcg	366.6	8.81%	-0.05%	9.56% (Jul 2025)	0% (Nov 2024)	8.72 L	0.00
Britannia Industries Ltd.	Packaged foods	262.8	6.32%	-0.50%	7.12% (Jun 2025)	0% (Nov 2024)	45.03 k	0.00
Hero Motocorp Ltd.	2/3 wheelers	261	6.28%	-0.14%	6.42% (Sep 2025)	0% (Nov 2024)	47.08 k	718.00
Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	195.1	4.69%	-0.16%	5.19% (Jan 2025)	0% (Nov 2024)	55.95 k	0.00
United Spirits Ltd.	Breweries & distilleries	165.2	3.97%	1.05%	3.97% (Oct 2025)	0% (Nov 2024)	1.15 L	28.30 k
FSN E-Commerce Ventures Ltd.	E-retail/ e-commerce	151.8	3.65%	-0.17%	4.11% (May 2025)	0% (Nov 2024)	6.12 L	-0.38 L
Apollo Hospitals Enterprises Ltd.	Hospital	138.3	3.33%	-1.14%	4.76% (Jul 2025)	0% (Nov 2024)	18.01 k	-5.84 k
Oberoi Realty Ltd.	Residential, commercial projects	131.3	3.16%	0.21%	3.59% (Jun 2025)	0% (Nov 2024)	73.81 k	0.00
Aditya Vision Ltd.	Speciality retail	122.8	2.95%	-0.09%	3.04% (Sep 2025)	0% (Nov 2024)	2.14 L	0.00

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

View complete holding

Complete equity Portfolio (as on 31st Oct,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
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	9.2	382.5	9.20%	0.35%	10.41% (Apr 2025)	0% (Nov 2024)	1.86 L	0.00	Large Cap	47.57
ITC Limited	Diversified fmcg	10.83	366.6	8.81%	-0.05%	9.56% (Jul 2025)	0% (Nov 2024)	8.72 L	0.00	Large Cap	47.57
Britannia Industries Ltd.	Packaged foods	6.32	262.8	6.32%	-0.50%	7.12% (Jun 2025)	0% (Nov 2024)	45.03 k	0.00	Large Cap	47.57
Hero Motocorp Ltd.	2/3 wheelers	6.28	261	6.28%	-0.14%	6.42% (Sep 2025)	0% (Nov 2024)	47.08 k	718.00	Large Cap	47.57
Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	6.12	195.1	4.69%	-0.16%	5.19% (Jan 2025)	0% (Nov 2024)	55.95 k	0.00	Large Cap	47.57
United Spirits Ltd.	Breweries & distilleries	3.97	165.2	3.97%	1.05%	3.97% (Oct 2025)	0% (Nov 2024)	1.15 L	28.30 k	Large Cap	47.57
FSN E-Commerce Ventures Ltd.	E-retail/ e-commerce	5.06	151.8	3.65%	-0.17%	4.11% (May 2025)	0% (Nov 2024)	6.12 L	-0.38 L	Other	27.52
Apollo Hospitals Enterprises Ltd.	Hospital	3.33	138.3	3.33%	-1.14%	4.76% (Jul 2025)	0% (Nov 2024)	18.01 k	-5.84 k	Mid Cap	12.43
Oberoi Realty Ltd.	Residential, commercial projects	3.16	131.3	3.16%	0.21%	3.59% (Jun 2025)	0% (Nov 2024)	73.81 k	0.00	Mid Cap	12.43
Aditya Vision Ltd.	Speciality retail	2.95	122.8	2.95%	-0.09%	3.04% (Sep 2025)	0% (Nov 2024)	2.14 L	0.00	Other	27.52
ICICI Lombard General Insurance Co Ltd.	General insurance	2.92	121.5	2.92%	0.01%	3.51% (Apr 2025)	0% (Nov 2024)	60.93 k	0.00	Large Cap	47.57
Eris Lifesciences Ltd.	Pharmaceuticals	2.6	108	2.60%	-0.12%	3.18% (May 2025)	0% (Nov 2024)	67.84 k	0.00	Small Cap	7.48
# Bharti Hexacom Ltd.	Telecom - equipment & accessories	2.55	106	2.55%	2.55%	2.55% (Oct 2025)	0% (Nov 2024)	56.94 k	56.94 k	Other	27.52
S.J.S. Enterprises Ltd.	Auto components & equipments	6.63	104.9	2.52%	0.13%	2.95% (Jun 2025)	0% (Nov 2024)	65.00 k	0.00	Other	27.52
Tips Industries Ltd.	Film production, distribution & exhibition	2.5	104.1	2.50%	-0.43%	2.94% (Apr 2025)	0% (Nov 2024)	1.97 L	0.00	Other	27.52
- PB Fintech Ltd.	Financial technology (fintech)	2.41	100	2.41%	0.00%	3.34% (Jan 2025)	0% (Nov 2024)	56.03 k	0.00	Other	27.52
Manorama Industries Ltd.	Other food products	2.35	97.7	2.35%	-0.13%	3.31% (Apr 2025)	0% (Nov 2024)	70.20 k	0.00	Other	27.52
Senco Gold Ltd.	Gems, jewellery and watches	4.03	96.9	2.33%	-0.26%	3.15% (May 2025)	0% (Nov 2024)	2.99 L	0.00	Other	27.52
Emami Ltd.	Personal care	2.3	95.6	2.30%	-0.14%	3.02% (Apr 2025)	0% (Nov 2024)	1.79 L	0.00	Mid Cap	12.43
Aditya Birla Real Estate Ltd.	Paper & paper products	2.09	87	2.09%	0.11%	3.04% (Jan 2025)	0% (Nov 2024)	46.36 k	0.00	Mid Cap	12.43
Hindustan Unilever Ltd.	Diversified fmcg	10.83	84	2.02%	-0.15%	2.36% (Aug 2025)	0% (Nov 2024)	34.08 k	0.00	Large Cap	47.57
Motherson Sumi Systems Ltd.	Auto components & equipments	6.63	80.4	1.93%	-0.11%	2.04% (Sep 2025)	0% (Nov 2024)	7.63 L	0.00	Large Cap	47.57
Sky Gold Ltd.	Gems, jewellery and watches	4.03	70.6	1.70%	0.38%	1.7% (Oct 2025)	0% (Nov 2024)	1.98 L	0.00	Small Cap	7.48
Landmark Cars Ltd.	Auto dealer	1.58	65.6	1.58%	0.02%	1.62% (Aug 2025)	0% (Nov 2024)	1.05 L	1.80 k	Other	27.52
Bayer Cropscience Ltd.	Pesticides & agrochemicals	1.55	64.3	1.55%	-0.05%	2.21% (Jul 2025)	0% (Nov 2024)	13.16 k	0.00	Mid Cap	12.43
Gabriel India Ltd.	Auto components & equipments	6.63	63.7	1.53%	-0.43%	3.01% (Jun 2025)	0% (Nov 2024)	50.00 k	-0.16 L	Small Cap	7.48
# Stylam Industries Ltd.	Plywood boards/ laminates	1.51	62.9	1.51%	1.51%	1.51% (Oct 2025)	0% (Nov 2024)	30.57 k	30.57 k	Other	27.52
Maruti Suzuki India Ltd.	Passenger cars & utility vehicles	6.12	59.6	1.43%	-0.06%	2.61% (May 2025)	0% (Nov 2024)	3.68 k	0.00	Large Cap	47.57
Eternal Ltd.	E-retail/ e-commerce	5.06	58.6	1.41%	-0.43%	2.33% (Feb 2025)	0% (Nov 2024)	1.84 L	-0.39 L	Other	27.52
Balrampur Chini Mills Ltd.	Sugar	1	41.5	1.00%	-0.04%	2.47% (Mar 2025)	0% (Nov 2024)	90.51 k	0.00	Small Cap	7.48
SBI Cards and Payment Services Ltd.	Non banking financial company (nbfc)	0.94	38.9	0.94%	-0.04%	1.08% (Jun 2025)	0% (Nov 2024)	44.30 k	0.00	Other	27.52
Dixon Technologies (India) Ltd.	Consumer electronics	0.82	34.1	0.82%	-0.09%	0.98% (Jul 2025)	0% (Nov 2024)	2.20 k	0.00	Other	27.52
UNO Minda Ltd.	Auto components & equipments	6.63	27.2	0.65%	-0.80%	1.88% (Aug 2025)	0% (Nov 2024)	22.00 k	-0.22 L	Small Cap	7.48
Sun Pharmaceutical Industries Ltd.	Pharmaceuticals	2.6	52.7	0.00%	-1.33%	-	-	-	-	Large Cap	47.57

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

New Stocks added in Portfolio (in 1 month period ending 31st Oct,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
# Stylam Industries Ltd.	Plywood boards/ laminates	62.9	1.51%	1.51%	1.51% (Oct 2025)	0% (Nov 2024)	30.57 k	30565
# Bharti Hexacom Ltd.	Telecom - equipment & accessories	106	2.55%	2.55%	2.55% (Oct 2025)	0% (Nov 2024)	56.94 k	56938

Stocks removed from Portfolio (in 1 month period ending 31st Oct,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
Sun Pharmaceutical Industries Ltd.	Pharmaceuticals	52.7	0.00%	-1.33%	1.5% (Jul 2025)	0% (Nov 2024)	0.00	-33042

Trend in stock holdings (Top 15 Holding)

Stock	Oct 2025	Sep 2025	Aug 2025	Jul 2025	Jun 2025	May 2025	Apr 2025	Mar 2025	Feb 2025	Jan 2025	Dec 2024	Nov 2024	Oct 2024
Bharti Airtel Ltd.	9.20%	8.85%	9.15%	9.48%	9.85%	9.68%	10.41%	10.38%	9.79%	9.30%	-	-	-
ITC Limited	8.81%	8.86%	9.30%	9.56%	8.90%	9.13%	9.29%	8.82%	8.85%	9.20%	-	-	-
Britannia Industries Ltd.	6.32%	6.82%	6.83%	7.06%	7.12%	7.06%	7.11%	6.36%	6.17%	5.92%	-	-	-
Hero Motocorp Ltd.	6.28%	6.42%	5.95%	5.09%	4.86%	5.06%	4.19%	4.03%	4.14%	3.45%	-	-	-
Mahindra & Mahindra Ltd.	4.69%	4.85%	4.66%	4.77%	4.55%	4.35%	4.28%	3.84%	4.89%	5.19%	-	-	-
Apollo Hospitals Enterprises Ltd.	3.33%	4.47%	4.72%	4.76%	4.41%	4.29%	4.34%	4.06%	3.87%	3.79%	-	-	-
FSN E-Commerce Ventures Ltd.	3.65%	3.82%	3.90%	3.86%	3.97%	4.11%	3.92%	3.94%	3.64%	3.55%	-	-	-
United Spirits Ltd.	3.97%	2.92%	-	-	-	-	-	-	-	-	-	-	-
ICICI Lombard General Insurance Co Ltd.	2.92%	2.91%	2.92%	3.12%	3.18%	2.99%	3.51%	3.31%	3.25%	3.05%	-	-	-
Oberoi Realty Ltd.	3.16%	2.95%	3.09%	3.20%	3.59%	3.37%	3.16%	3.11%	2.84%	2.65%	-	-	-
PB Fintech Ltd.	2.41%	2.41%	2.58%	2.51%	3.14%	3.11%	3.33%	3.22%	3.08%	3.34%	-	-	-
Eris Lifesciences Ltd.	2.60%	2.72%	2.90%	3.04%	2.73%	3.18%	2.88%	3.00%	2.99%	2.60%	-	-	-
Manorama Industries Ltd.	2.35%	2.48%	2.48%	2.84%	2.97%	3.13%	3.31%	2.97%	2.77%	2.81%	-	-	-
Tips Industries Ltd.	2.50%	2.93%	2.78%	2.62%	2.88%	2.84%	2.94%	2.81%	2.74%	2.51%	-	-	-
SBI Life Insurance Co Ltd.	-	-	-	-	-	2.72%	3.16%	2.73%	2.63%	2.50%	-	-	-

No of Debt Holding 1 (Category Avg - 0.87) | Modified Duration 0.00 Years (Category Avg - - --)| Yield to Maturity - -- (Category Avg - 0.00%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	0.00%	0.02%
T-Bills	0.03%	0.43%

Category - Sectoral/Thematic

Security Type	% Weight	Category Average
Government Backed	0.03%	0.44%
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 31st Oct,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - T-Bill	T-Bills	Other			1.29	0.03%	13.00 k

Name	Type of Instrument	Weight (%)
TREPS	TREPS	3.17%
Net Receivables	Net Receivables	1.80%

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NITINPIMPALE
MF Investment Help
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36 days ago

purchase unit will adjust difference in NAV 10.263 View more

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  purchase unit will adjust difference in NAV 10.263
  
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krishna_ksvs
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48 days ago

View more

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The Fixed Income
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1 days ago

Your Hard-Earned Money Deserves Safe, Steady Growth 9.80% MUTHOOT MICROFIN LIMITED 2028 ✔️ Coupon: 9.80% ✔️ Rating: CRISIL A+ Positive ✔️ Tenor: 2y 10m (Maturity: 23/Sep/2028) Senior Secured Bond | NBFC Bond | High Return Bond | Listed Muthoot Microfin brings you the perfect blend of security, stability, and steady returns. Invest confidently in a Senior Secured NBFC Bond backed by strong fundamentals and a positive outlook. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJldFlRPT0=/980-muthoot-microfin-limited-2028?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Your Hard-Earned Money Deserves Safe, Steady Growth 9.80% MUTHOOT MICROFIN LIMITED 2028 ✔️ Coupon: 9.80% ✔️ Rating: CRISIL A+ Positive ✔️ Tenor: 2y 10m (Maturity: 23/Sep/2028) Senior Secured Bond | NBFC Bond | High Return Bond | Listed Muthoot Microfin brings you the perfect blend of security, stability, and steady returns. Invest confidently in a Senior Secured NBFC Bond backed by strong fundamentals and a positive outlook. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJldFlRPT0=/980-muthoot-microfin-limited-2028?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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shravanashok
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98 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

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  need your suggestion for sbi psu fund direct growth stay or switch
  
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ravisistla
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111 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

Posted by : ravisistla
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  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
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sunny85deol
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148 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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