Bank of India ELSS Tax Saver - 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.

Category : ELSS

Equity Holding : 95.02% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 95.02%

No of Stocks : 53 (Category Avg - 53.75) | Large Cap Investments : 36.94%| Mid Cap Investments : 10.01% | Small Cap Investments : 11.63% | Other : 36.44%

Portfolio Summary (as on 31st Oct,2025)

Particulars	This Scheme	Category
No. of Stocks	53	53.75
Top 5 Stock Weight	20.07%	27.25%
Top 10 Stock Weight	35.01%	43.81%
Top 3 Sector Weight	23.95%	31.83%

Category - ELSS

Particulars	This Scheme	Category
Average mcap (Cr)	68553.23	93693.67
Holdings in large cap stocks	36.94%	39.39%
Holdings in mid cap stocks	10.01%	11.3%
Holdings in small cap stocks	11.63%	16.78%

Category - ELSS

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
Vedanta Ltd.	Diversified metals	696.9	4.92%	0.14%	4.96% (Mar 2025)	4.12% (Nov 2024)	14.12 L	0.00
State Bank Of India	Public sector bank	622.2	4.39%	0.18%	5% (Apr 2025)	3.79% (Jul 2025)	6.64 L	0.00
ICICI Bank Ltd.	Private sector bank	544.9	3.84%	0.60%	3.84% (Oct 2025)	1.8% (Nov 2024)	4.05 L	75.00 k
Hindustan Aeronautics Ltd.	Aerospace & defense	491.4	3.47%	-0.16%	3.73% (May 2025)	2.06% (Nov 2024)	1.05 L	0.00
Ami Organics Ltd.	Pharmaceuticals	489.5	3.45%	0.71%	3.45% (Oct 2025)	2.47% (Dec 2024)	2.83 L	-2.05 k
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	482.8	3.41%	0.20%	3.41% (Oct 2025)	0.97% (Dec 2024)	2.35 L	0.00
ITC Limited	Diversified fmcg	470.8	3.32%	0.05%	3.39% (Aug 2025)	0% (Nov 2024)	11.20 L	0.00
HDFC Bank Ltd.	Private sector bank	432	3.05%	0.02%	5.44% (Nov 2024)	3.03% (Sep 2025)	4.38 L	0.00
Ambuja Cements Ltd.	Cement & cement products	387.7	2.74%	-0.10%	2.84% (Sep 2025)	0% (Nov 2024)	6.86 L	0.00
Indian Bank	Public sector bank	343.5	2.42%	0.55%	2.42% (Oct 2025)	1.05% (Dec 2024)	4.00 L	57.00 k

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

View complete holding

Complete equity Portfolio (as on 31st Oct,2025)

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M-Cap

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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
Vedanta Ltd.	Diversified metals	4.92	696.9	4.92%	0.14%	4.96% (Mar 2025)	4.12% (Nov 2024)	14.12 L	0.00	Large Cap	36.94
State Bank Of India	Public sector bank	9.3	622.2	4.39%	0.18%	5% (Apr 2025)	3.79% (Jul 2025)	6.64 L	0.00	Large Cap	36.94
ICICI Bank Ltd.	Private sector bank	8.37	544.9	3.84%	0.60%	3.84% (Oct 2025)	1.8% (Nov 2024)	4.05 L	75.00 k	Large Cap	36.94
Hindustan Aeronautics Ltd.	Aerospace & defense	5.21	491.4	3.47%	-0.16%	3.73% (May 2025)	2.06% (Nov 2024)	1.05 L	0.00	Other	36.44
Ami Organics Ltd.	Pharmaceuticals	5.48	489.5	3.45%	0.71%	3.45% (Oct 2025)	2.47% (Dec 2024)	2.83 L	-2.05 k	Other	36.44
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	3.41	482.8	3.41%	0.20%	3.41% (Oct 2025)	0.97% (Dec 2024)	2.35 L	0.00	Large Cap	36.94
ITC Limited	Diversified fmcg	3.32	470.8	3.32%	0.05%	3.39% (Aug 2025)	0% (Nov 2024)	11.20 L	0.00	Large Cap	36.94
HDFC Bank Ltd.	Private sector bank	8.37	432	3.05%	0.02%	5.44% (Nov 2024)	3.03% (Sep 2025)	4.38 L	0.00	Other	36.44
Ambuja Cements Ltd.	Cement & cement products	2.74	387.7	2.74%	-0.10%	2.84% (Sep 2025)	0% (Nov 2024)	6.86 L	0.00	Large Cap	36.94
Indian Bank	Public sector bank	9.3	343.5	2.42%	0.55%	2.42% (Oct 2025)	1.05% (Dec 2024)	4.00 L	57.00 k	Mid Cap	10.01
HEG Ltd.	Electrodes & refractories	2.42	342.8	2.42%	0.29%	2.42% (Oct 2025)	1.72% (Jan 2025)	5.80 L	0.00	Other	36.44
Prudent Corporate Advisory Services Ltd.	Financial products distributor	2.39	338.4	2.39%	-0.09%	2.8% (May 2025)	1.82% (Feb 2025)	1.32 L	0.00	Other	36.44
Coromandel International Ltd.	Fertilizers	2.35	333.6	2.35%	-0.22%	3.02% (Jul 2025)	1.93% (Nov 2024)	1.57 L	0.00	Mid Cap	10.01
UNO Minda Ltd.	Auto components & equipments	2.35	333.5	2.35%	-0.20%	2.55% (Aug 2025)	1.79% (Mar 2025)	2.70 L	0.00	Small Cap	11.63
Quality Power Electrical Equipments Ltd.	Heavy electrical equipment	3.93	330.3	2.33%	-0.19%	2.52% (Sep 2025)	0% (Nov 2024)	3.24 L	0.00	Other	36.44
National Thermal Power Corporation Ltd.	Power generation	6.28	321.8	2.27%	-0.10%	2.59% (Mar 2025)	2.21% (Dec 2024)	9.55 L	0.00	Large Cap	36.94
Tata Steel Ltd.	Iron & steel products	2.2	311.9	2.20%	0.11%	2.2% (Oct 2025)	1.63% (Dec 2024)	17.06 L	0.00	Other	36.44
Adani Ports And Special Economic Zone Ltd.	Port & port services	2.19	310.6	2.19%	0.01%	2.19% (Oct 2025)	0% (Nov 2024)	2.14 L	0.00	Large Cap	36.94
NTPC Green Energy Ltd.	Power generation	6.28	307.8	2.17%	0.06%	2.63% (Dec 2024)	1.23% (Nov 2024)	29.85 L	0.00	Other	36.44
- Swan Energy Ltd.	Other textile products	3.31	305.2	2.15%	0.00%	2.99% (Dec 2024)	1.97% (Apr 2025)	6.50 L	0.00	Small Cap	11.63
Dr. Reddys Laboratories Ltd.	Pharmaceuticals	5.48	287.4	2.03%	-0.11%	2.23% (Aug 2025)	1.57% (Nov 2024)	2.40 L	0.00	Other	36.44
Coforge Ltd.	Computers - software & consulting	1.91	270.3	1.91%	0.15%	4.41% (Jun 2025)	1.76% (Sep 2025)	1.52 L	0.00	Other	36.44
Bank Of Baroda	Public sector bank	9.3	270.1	1.91%	0.09%	1.91% (Oct 2025)	0.91% (Jan 2025)	9.70 L	0.00	Large Cap	36.94
Siemens Energy India Ltd.	Power generation	6.28	261.2	1.84%	-0.21%	2.05% (Sep 2025)	0% (Nov 2024)	82.00 k	0.00	Other	36.44
Bharat Electronics Ltd.	Aerospace & defense	5.21	246.9	1.74%	0.04%	1.74% (Oct 2025)	0% (Nov 2024)	5.79 L	0.00	Mid Cap	10.01
InterGlobe Aviation Ltd.	Airline	1.67	236.3	1.67%	-0.04%	1.75% (Aug 2025)	0% (Nov 2024)	42.00 k	0.00	Large Cap	36.94
# Kotak Mahindra Bank Ltd.	Private sector bank	8.37	210.2	1.48%	1.48%	1.48% (Oct 2025)	0% (Nov 2024)	1.00 L	1.00 L	Large Cap	36.94
SBI Cards and Payment Services Ltd.	Non banking financial company (nbfc)	1.48	209.1	1.48%	-0.04%	1.52% (Sep 2025)	0% (Nov 2024)	2.38 L	0.00	Other	36.44
Zaggle Prepaid Ocean Service Pvt Ltd.	It enabled services	1.47	208.7	1.47%	0.06%	2.02% (Dec 2024)	0% (Nov 2024)	5.60 L	0.00	Other	36.44
Central Depository Services (India) Ltd.	Depositories, clearing houses and other intermediaries	1.47	207.9	1.47%	0.08%	1.47% (Oct 2025)	0.79% (Nov 2024)	1.31 L	0.00	Small Cap	11.63
Reliance Industries Ltd.	Refineries & marketing	1.43	202.2	1.43%	0.08%	2.03% (Nov 2024)	0.98% (Dec 2024)	1.36 L	0.00	Large Cap	36.94
Hyundai Motor India Ltd.	Passenger cars & utility vehicles	1.39	197.5	1.39%	-0.13%	1.52% (Sep 2025)	0% (Nov 2024)	81.00 k	0.00	Other	36.44
DLF Ltd.	Residential, commercial projects	2.18	184.5	1.30%	0.03%	1.43% (Jun 2025)	0.83% (Nov 2024)	2.44 L	0.00	Large Cap	36.94
Balrampur Chini Mills Ltd.	Sugar	2.38	177.2	1.25%	-0.03%	1.63% (May 2025)	1.25% (Oct 2025)	3.86 L	0.00	Small Cap	11.63
K.P.R. Mill Ltd.	Other textile products	3.31	164.7	1.16%	-0.03%	1.33% (Jan 2025)	1.06% (Mar 2025)	1.54 L	0.00	Other	36.44
Triveni Engineering & Industries Ltd.	Sugar	2.38	159.5	1.13%	0.05%	1.4% (Dec 2024)	1.08% (Sep 2025)	4.47 L	0.00	Small Cap	11.63
Deepak Nitrite Ltd.	Specialty chemicals	1.12	158.2	1.12%	-0.10%	1.72% (Nov 2024)	1.12% (Oct 2025)	91.50 k	0.00	Small Cap	11.63
Siemens Ltd.	Heavy electrical equipment	3.93	154.8	1.09%	-0.05%	2.13% (Nov 2024)	1.09% (Oct 2025)	50.00 k	0.00	Large Cap	36.94
Bharat Forge Ltd.	Castings & forgings	1.08	152.3	1.08%	0.07%	1.65% (Jan 2025)	1.01% (Sep 2025)	1.15 L	0.00	Mid Cap	10.01
Inox India Ltd.	Engineering	1.07	151.9	1.07%	-0.03%	1.1% (Sep 2025)	0.88% (Jan 2025)	1.28 L	0.00	Other	36.44
Tata Power Co. Ltd.	Integrated power utilities	1.03	145.8	1.03%	0.01%	1.95% (Apr 2025)	1.02% (Sep 2025)	3.60 L	0.00	Mid Cap	10.01
Dixon Technologies (India) Ltd.	Consumer electronics	0.98	139.5	0.98%	-0.62%	2.98% (Apr 2025)	0.98% (Oct 2025)	9.00 k	-4.50 k	Other	36.44
SBI Life Insurance Co Ltd.	Life insurance	0.95	134.9	0.95%	0.05%	1.19% (Aug 2025)	0.86% (Dec 2024)	69.00 k	0.00	Large Cap	36.94
Oberoi Realty Ltd.	Residential, commercial projects	2.18	124.5	0.88%	-0.39%	1.52% (Dec 2024)	0.88% (Oct 2025)	70.00 k	-0.40 L	Mid Cap	10.01
Titagarh Rail Systems Ltd.	Railway wagons	0.75	106.2	0.75%	-0.01%	1% (Nov 2024)	0.68% (Apr 2025)	1.20 L	0.00	Small Cap	11.63
Cms Info Systems Ltd.	Diversified commercial services	0.72	102.1	0.72%	-0.26%	1.39% (Feb 2025)	0.72% (Oct 2025)	2.75 L	-0.85 L	Other	36.44
Canara Bank	Public sector bank	9.3	82.2	0.58%	0.04%	0.58% (Oct 2025)	0% (Nov 2024)	6.00 L	0.00	Other	36.44
Commercial Engineers & Body Builders Co. Ltd.	Engineering, designing, construction	0.56	79.4	0.56%	-0.04%	1.06% (Dec 2024)	0.56% (Oct 2025)	2.46 L	0.00	Small Cap	11.63
Bharat Heavy Electricals Ltd.	Heavy electrical equipment	3.93	71.7	0.51%	0.04%	0.51% (Oct 2025)	0.41% (Feb 2025)	2.70 L	0.00	Mid Cap	10.01
Advanced Enzyme Technologies Ltd.	Biotechnology	0.43	61.6	0.43%	-0.19%	0.68% (Nov 2024)	0.43% (Oct 2025)	2.00 L	-0.62 L	Small Cap	11.63
- Blue Star Ltd.	Household appliances	0.42	60.1	0.42%	0.00%	0.5% (Mar 2025)	0% (Nov 2024)	31.00 k	0.00	Small Cap	11.63
Varun Beverages Ltd.	Other beverages	0.33	47	0.33%	0.01%	1.2% (Dec 2024)	0.32% (Sep 2025)	1.00 L	0.00	Other	36.44
General Insurance Corporation of India	General insurance	0.03	4.1	0.03%	-0.39%	2.63% (Jan 2025)	0.03% (Oct 2025)	10.99 k	-1.45 L	Large Cap	36.94
PNB Housing Finance Ltd.	Housing finance company		57	0.00%	-0.41%	-	-	-	-	Mid Cap	10.01
Poly Medicure Ltd.	Medical equipment & supplies		77.9	0.00%	-0.57%	-	-	-	-	Small Cap	11.63
Rural Electrification Corporation Limited	Financial institution		212.9	0.00%	-1.55%	-	-	-	-	Mid Cap	10.01

- 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
# Kotak Mahindra Bank Ltd.	Private sector bank	210.2	1.48%	1.48%	1.48% (Oct 2025)	0% (Nov 2024)	1.00 L	100000

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	1M Change in Qty
PNB Housing Finance Ltd.	Housing finance company	57	0.00%	-0.41%	1.96% (Jun 2025)	0% (Nov 2024)	-65962
Poly Medicure Ltd.	Medical equipment & supplies	77.9	0.00%	-0.57%	1.15% (Apr 2025)	0% (Nov 2024)	-40000
Rural Electrification Corporation Limited	Financial institution	212.9	0.00%	-1.55%	2.41% (Mar 2025)	0% (Nov 2024)	-571000

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
Vedanta Ltd.	4.92%	4.78%	4.38%	4.30%	4.54%	4.40%	4.47%	4.96%	4.72%	4.49%	4.17%	4.12%	3.91%
State Bank Of India	4.39%	4.21%	3.93%	3.79%	3.80%	4.87%	5.00%	4.91%	4.89%	4.88%	4.63%	4.34%	4.30%
HDFC Bank Ltd.	3.05%	3.03%	3.07%	3.16%	3.06%	3.96%	5.16%	4.92%	5.20%	4.53%	5.41%	5.44%	5.32%
Coforge Ltd.	1.91%	1.76%	4.17%	4.10%	4.41%	4.01%	3.62%	4.03%	4.09%	3.96%	3.69%	2.33%	1.80%
UNO Minda Ltd.	2.35%	2.55%	2.55%	2.01%	2.08%	1.94%	3.64%	3.58%	3.78%	3.84%	3.94%	3.90%	3.70%
Hindustan Aeronautics Ltd.	3.47%	3.63%	3.36%	3.41%	3.57%	3.73%	3.56%	2.72%	2.25%	2.37%	2.06%	2.06%	1.98%
ITC Limited	3.32%	3.27%	3.39%	3.30%	1.26%	-	-	-	-	-	-	-	-
ICICI Bank Ltd.	3.84%	3.24%	3.40%	2.44%	2.32%	3.15%	3.55%	3.12%	2.90%	2.68%	2.53%	1.80%	1.81%
Ami Organics Ltd.	3.45%	2.74%	2.96%	3.02%	2.54%	2.67%	2.71%	2.94%	2.96%	2.97%	2.47%	2.54%	2.37%
Prudent Corporate Advisory Services Ltd.	2.39%	2.48%	2.74%	2.77%	2.50%	2.80%	2.22%	2.34%	1.82%	1.99%	2.46%	2.72%	2.82%
Coromandel International Ltd.	2.35%	2.57%	2.68%	3.02%	2.75%	2.57%	2.63%	2.36%	2.21%	2.14%	2.05%	1.93%	1.82%
National Thermal Power Corporation Ltd.	2.27%	2.37%	2.31%	2.28%	2.23%	2.28%	2.56%	2.59%	2.52%	2.33%	2.21%	2.39%	2.71%
NTPC Green Energy Ltd.	2.17%	2.11%	2.27%	2.23%	2.18%	2.37%	2.27%	2.28%	2.20%	2.58%	2.63%	1.23%	-
Swan Energy Ltd.	2.15%	2.15%	2.13%	2.17%	2.03%	2.02%	1.97%	2.12%	2.24%	2.69%	2.99%	2.16%	1.51%
Bharti Airtel Ltd.	3.41%	3.21%	2.80%	2.55%	2.61%	2.47%	2.62%	1.98%	2.01%	1.35%	0.97%	0.99%	0.99%