Bank of India Flexi Cap 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.

Category : Flexi Cap Fund

Portfolio Turnover Ratio : 64.00%. Category average turnover ratio is 121.49%. Fund manager updated portfolio less frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for longer duration than peers)

Equity Holding : 98.84% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 98.84%

No of Stocks : 53 (Category Avg - 63.19) | Large Cap Investments : 33.68%| Mid Cap Investments : 8.97% | Small Cap Investments : 19.7% | Other : 36.49%

Portfolio Summary (as on 31st Oct,2025)

Particulars	This Scheme	Category
No. of Stocks	53	62.86
Top 5 Stock Weight	20.95%	25.13%
Top 10 Stock Weight	36.6%	40.11%
Top 3 Sector Weight	24.01%	30.54%

Category - Flexi Cap Fund

Particulars	This Scheme	Category
Average mcap (Cr)	66963.30	90047.83
Holdings in large cap stocks	33.68%	39.52%
Holdings in mid cap stocks	8.97%	12.99%
Holdings in small cap stocks	19.7%	11.31%

Category - Flexi Cap Fund

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
State Bank Of India	Public sector bank	1227.5	5.43%	0.15%	5.43% (Oct 2025)	4.46% (Nov 2024)	13.10 L	0.00
Vedanta Ltd.	Diversified metals	1056.7	4.67%	0.06%	4.77% (Mar 2025)	4.01% (Dec 2024)	21.41 L	0.00
ICICI Bank Ltd.	Private sector bank	874.5	3.87%	0.20%	3.9% (Aug 2025)	1.41% (Nov 2024)	6.50 L	60.00 k
Hindustan Aeronautics Ltd.	Aerospace & defense	795.6	3.52%	-0.21%	4.09% (May 2025)	1.9% (Nov 2024)	1.70 L	0.00
CreditAccess Grameen Ltd.	Microfinance institutions	783.2	3.46%	0.47%	3.46% (Oct 2025)	0% (Nov 2024)	5.50 L	71.50 k
Lloyds Metals And Energy Ltd.	Sponge iron	756.8	3.35%	0.07%	4.17% (Jun 2025)	1.52% (Nov 2024)	5.80 L	0.00
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	743.7	3.29%	0.15%	3.29% (Oct 2025)	0.99% (Nov 2024)	3.62 L	0.00
ITC Limited	Diversified fmcg	723	3.20%	0.01%	3.34% (Aug 2025)	0% (Nov 2024)	17.20 L	0.00
Netweb Technologies India Ltd.	Computers hardware & equipments	662.2	2.93%	-0.27%	3.2% (Sep 2025)	1.35% (Apr 2025)	1.64 L	-0.26 L
HDFC Bank Ltd.	Private sector bank	651.6	2.88%	-0.02%	5.7% (Nov 2024)	2.88% (Oct 2025)	6.60 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
State Bank Of India	Public sector bank	9.96	1227.5	5.43%	0.15%	5.43% (Oct 2025)	4.46% (Nov 2024)	13.10 L	0.00	Large Cap	33.68
Vedanta Ltd.	Diversified metals	4.67	1056.7	4.67%	0.06%	4.77% (Mar 2025)	4.01% (Dec 2024)	21.41 L	0.00	Large Cap	33.68
ICICI Bank Ltd.	Private sector bank	8.25	874.5	3.87%	0.20%	3.9% (Aug 2025)	1.41% (Nov 2024)	6.50 L	60.00 k	Large Cap	33.68
Hindustan Aeronautics Ltd.	Aerospace & defense	5.8	795.6	3.52%	-0.21%	4.09% (May 2025)	1.9% (Nov 2024)	1.70 L	0.00	Other	36.49
CreditAccess Grameen Ltd.	Microfinance institutions	3.46	783.2	3.46%	0.47%	3.46% (Oct 2025)	0% (Nov 2024)	5.50 L	71.50 k	Small Cap	19.7
Lloyds Metals And Energy Ltd.	Sponge iron	3.35	756.8	3.35%	0.07%	4.17% (Jun 2025)	1.52% (Nov 2024)	5.80 L	0.00	Small Cap	19.7
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	3.29	743.7	3.29%	0.15%	3.29% (Oct 2025)	0.99% (Nov 2024)	3.62 L	0.00	Large Cap	33.68
ITC Limited	Diversified fmcg	3.2	723	3.20%	0.01%	3.34% (Aug 2025)	0% (Nov 2024)	17.20 L	0.00	Large Cap	33.68
Netweb Technologies India Ltd.	Computers hardware & equipments	2.93	662.2	2.93%	-0.27%	3.2% (Sep 2025)	1.35% (Apr 2025)	1.64 L	-0.26 L	Other	36.49
HDFC Bank Ltd.	Private sector bank	8.25	651.6	2.88%	-0.02%	5.7% (Nov 2024)	2.88% (Oct 2025)	6.60 L	0.00	Other	36.49
Quality Power Electrical Equipments Ltd.	Heavy electrical equipment	3.8	647.8	2.87%	-0.49%	3.36% (Sep 2025)	0% (Nov 2024)	6.36 L	-0.45 L	Other	36.49
Ambuja Cements Ltd.	Cement & cement products	2.53	572.8	2.53%	-0.14%	2.67% (Sep 2025)	0% (Nov 2024)	10.13 L	0.00	Large Cap	33.68
Ami Organics Ltd.	Pharmaceuticals	4.64	570	2.52%	0.51%	2.52% (Oct 2025)	1.69% (Dec 2024)	3.30 L	0.00	Other	36.49
Sky Gold Ltd.	Gems, jewellery and watches	3.25	563	2.49%	0.57%	2.89% (May 2025)	1.46% (Nov 2024)	15.82 L	0.00	Small Cap	19.7
UNO Minda Ltd.	Auto components & equipments	3.05	555.8	2.46%	-0.24%	2.73% (Aug 2025)	1.34% (Mar 2025)	4.50 L	0.00	Small Cap	19.7
Indian Bank	Public sector bank	9.96	553	2.45%	0.65%	2.45% (Oct 2025)	0.9% (Dec 2024)	6.44 L	1.26 L	Mid Cap	8.97
NTPC Green Energy Ltd.	Power generation	5.1	537.2	2.38%	0.04%	3.16% (Dec 2024)	1.73% (Nov 2024)	52.08 L	0.00	Other	36.49
Bharat Electronics Ltd.	Aerospace & defense	5.8	515.5	2.28%	0.02%	2.31% (Jun 2025)	0.77% (Dec 2024)	12.10 L	0.00	Mid Cap	8.97
Adani Ports And Special Economic Zone Ltd.	Port & port services	2.25	509.5	2.25%	-0.03%	2.28% (Sep 2025)	0% (Nov 2024)	3.51 L	0.00	Large Cap	33.68
Dr. Reddys Laboratories Ltd.	Pharmaceuticals	4.64	479	2.12%	-0.14%	2.39% (Aug 2025)	1.8% (May 2025)	4.00 L	0.00	Other	36.49
Swan Energy Ltd.	Other textile products	2.1	474.3	2.10%	-0.02%	2.88% (Dec 2024)	1.83% (May 2025)	10.10 L	0.00	Small Cap	19.7
Bank Of Baroda	Public sector bank	9.96	470.5	2.08%	0.06%	2.08% (Oct 2025)	0.61% (Jan 2025)	16.90 L	0.00	Large Cap	33.68
SBI Cards and Payment Services Ltd.	Non banking financial company (nbfc)	2.04	462.2	2.04%	0.55%	2.04% (Oct 2025)	0% (Nov 2024)	5.26 L	1.59 L	Other	36.49
Coforge Ltd.	Computers - software & consulting	1.97	444.5	1.97%	0.13%	4.2% (Jun 2025)	1.84% (Sep 2025)	2.50 L	0.00	Other	36.49
Tata Steel Ltd.	Iron & steel products	1.74	393.1	1.74%	0.06%	1.74% (Oct 2025)	0.99% (Dec 2024)	21.50 L	0.00	Other	36.49
Prudent Corporate Advisory Services Ltd.	Financial products distributor	1.72	388.4	1.72%	-0.09%	2.09% (May 2025)	1.17% (Feb 2025)	1.52 L	0.00	Other	36.49
National Thermal Power Corporation Ltd.	Power generation	5.1	372.3	1.65%	-0.09%	2.01% (Mar 2025)	1.5% (Dec 2024)	11.05 L	0.00	Large Cap	33.68
Coromandel International Ltd.	Fertilizers	1.55	350.6	1.55%	-0.16%	2.06% (Jul 2025)	0.88% (Nov 2024)	1.65 L	0.00	Mid Cap	8.97
Radico Khaitan Ltd.	Breweries & distilleries	1.52	344.4	1.52%	0.05%	1.7% (Mar 2025)	1.14% (Jun 2025)	1.10 L	0.00	Small Cap	19.7
Zaggle Prepaid Ocean Service Pvt Ltd.	It enabled services	1.51	341.6	1.51%	0.04%	2.4% (Dec 2024)	1.07% (Nov 2024)	9.17 L	0.00	Other	36.49
# Kotak Mahindra Bank Ltd.	Private sector bank	8.25	338.5	1.50%	1.50%	1.97% (Nov 2024)	0% (Nov 2024)	1.61 L	1.61 L	Large Cap	33.68
HEG Ltd.	Electrodes & refractories	1.31	295.5	1.31%	0.14%	1.74% (Mar 2025)	0.95% (Nov 2024)	5.00 L	0.00	Other	36.49
Hyundai Motor India Ltd.	Passenger cars & utility vehicles	1.31	295.1	1.31%	-0.13%	1.44% (Sep 2025)	0% (Nov 2024)	1.21 L	0.00	Other	36.49
Reliance Industries Ltd.	Refineries & marketing	1.22	275	1.22%	0.05%	1.83% (Nov 2024)	0.93% (Dec 2024)	1.85 L	0.00	Large Cap	33.68
Balrampur Chini Mills Ltd.	Sugar	1.99	265.9	1.18%	-0.04%	1.62% (Mar 2025)	1.18% (Oct 2025)	5.79 L	0.00	Small Cap	19.7
Siemens Energy India Ltd.	Power generation	5.1	242.1	1.07%	-0.14%	1.21% (Sep 2025)	0% (Nov 2024)	76.00 k	0.00	Other	36.49
Edelweiss Securities Pvt. Ltd.	Stockbroking & allied	1.07	241.1	1.07%	0.08%	2.2% (Mar 2025)	0.99% (Sep 2025)	34.00 k	0.00	Other	36.49
Bharat Forge Ltd.	Castings & forgings	1.06	239.8	1.06%	0.05%	1.79% (Jan 2025)	1.01% (Sep 2025)	1.81 L	0.00	Mid Cap	8.97
# Britannia Industries Ltd.	Packaged foods	1.06	239.3	1.06%	1.06%	1.06% (Oct 2025)	0% (Nov 2024)	41.00 k	41.00 k	Large Cap	33.68
Aditya Vision Ltd.	Speciality retail	1.05	236.5	1.05%	-0.02%	1.07% (Sep 2025)	0.63% (Jun 2025)	4.12 L	0.00	Other	36.49
Torrent Power Ltd.	Integrated power utilities	1	226.4	1.00%	0.03%	1.34% (Apr 2025)	0.97% (Sep 2025)	1.72 L	0.00	Mid Cap	8.97
Syrma SGS Technology Ltd.	Industrial products	0.98	220.7	0.98%	0.02%	0.98% (Oct 2025)	0% (Nov 2024)	2.71 L	0.00	Other	36.49
Siemens Ltd.	Heavy electrical equipment	3.8	210.6	0.93%	-0.05%	2.07% (Nov 2024)	0.93% (Oct 2025)	68.00 k	0.00	Large Cap	33.68
Triveni Engineering & Industries Ltd.	Sugar	1.99	182.5	0.81%	0.02%	1.06% (Apr 2025)	0.79% (Sep 2025)	5.11 L	0.00	Small Cap	19.7
Senco Gold Ltd.	Gems, jewellery and watches	3.25	171.2	0.76%	-0.08%	1.05% (Dec 2024)	0% (Nov 2024)	5.28 L	0.00	Other	36.49
Oberoi Realty Ltd.	Residential, commercial projects	1.19	142.3	0.63%	-0.25%	1.04% (Jun 2025)	0% (Nov 2024)	80.00 k	-0.40 L	Mid Cap	8.97
Rane Holdings Ltd.	Auto components & equipments	3.05	134.3	0.59%	-0.06%	0.77% (Nov 2024)	0.56% (Apr 2025)	87.00 k	0.00	Small Cap	19.7
Brigade Enterprises Ltd.	Residential, commercial projects	1.19	126.6	0.56%	0.06%	1.13% (Dec 2024)	0.5% (Sep 2025)	1.22 L	0.00	Small Cap	19.7
Titagarh Rail Systems Ltd.	Railway wagons	0.51	115	0.51%	-0.01%	0.87% (Dec 2024)	0.51% (Aug 2025)	1.30 L	0.00	Small Cap	19.7
Clean Science and Technology Ltd.	Commodity chemicals	0.46	103.9	0.46%	-0.06%	1.11% (Aug 2025)	0% (Nov 2024)	1.03 L	0.00	Other	36.49
Commercial Engineers & Body Builders Co. Ltd.	Engineering, designing, construction	0.4	90.6	0.40%	-0.03%	0.98% (Dec 2024)	0.4% (Oct 2025)	2.81 L	0.00	Small Cap	19.7
Hi-Tech Pipes Ltd.	Commodities	0.28	62.2	0.28%	-0.01%	1.08% (Jan 2025)	0.22% (Aug 2025)	5.43 L	0.00	Other	36.49
Advanced Enzyme Technologies Ltd.	Biotechnology	0.27	61.6	0.27%	-0.15%	0.52% (Nov 2024)	0.27% (Oct 2025)	2.00 L	-0.80 L	Small Cap	19.7
PG Electroplast Ltd.	Consumer electronics		100	0.00%	-0.46%	-	-	-	-	Other	36.49
Sanstar Ltd.	Other agricultural products		47.5	0.00%	-0.22%	-	-	-	-	Other	36.49
Rural Electrification Corporation Limited	Financial institution		372.9	0.00%	-1.72%	-	-	-	-	Mid Cap	8.97

- 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	338.5	1.50%	1.50%	1.97% (Nov 2024)	0% (Nov 2024)	1.61 L	161000
# Britannia Industries Ltd.	Packaged foods	239.3	1.06%	1.06%	1.06% (Oct 2025)	0% (Nov 2024)	41.00 k	41000

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
PG Electroplast Ltd.	Consumer electronics	100	0.00%	-0.46%	1.28% (Mar 2025)	0% (Nov 2024)	-199000
Sanstar Ltd.	Other agricultural products	47.5	0.00%	-0.22%	0.92% (Dec 2024)	0% (Nov 2024)	-500000
Rural Electrification Corporation Limited	Financial institution	372.9	0.00%	-1.72%	2.98% (Mar 2025)	0% (Nov 2024)	-1000000

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
State Bank Of India	5.43%	5.28%	4.98%	4.84%	4.87%	4.94%	5.21%	5.15%	4.88%	4.91%	4.60%	4.46%	3.50%
HDFC Bank Ltd.	2.88%	2.90%	2.97%	3.93%	3.81%	3.79%	5.10%	4.89%	5.09%	4.48%	5.50%	5.70%	5.85%
Vedanta Ltd.	4.67%	4.61%	4.26%	4.23%	4.47%	4.33%	4.27%	4.77%	4.46%	4.19%	4.01%	4.03%	3.72%
Coforge Ltd.	1.97%	1.84%	3.94%	3.91%	4.20%	3.83%	3.56%	3.99%	3.98%	3.90%	3.64%	2.29%	1.90%
Lloyds Metals And Energy Ltd.	3.35%	3.28%	3.54%	4.05%	4.17%	3.75%	3.52%	3.81%	3.31%	3.05%	2.88%	1.52%	0.89%
Hindustan Aeronautics Ltd.	3.52%	3.73%	3.49%	3.58%	3.75%	4.09%	4.01%	3.32%	2.70%	2.89%	2.17%	1.90%	1.91%
ITC Limited	3.20%	3.19%	3.34%	3.29%	1.23%	-	-	-	-	-	-	-	-
ICICI Bank Ltd.	3.87%	3.67%	3.90%	3.02%	2.88%	2.96%	3.42%	3.02%	2.48%	2.32%	2.09%	1.41%	1.49%
NTPC Green Energy Ltd.	2.38%	2.34%	2.54%	2.52%	2.47%	2.69%	2.64%	2.67%	2.54%	3.01%	3.16%	1.73%	-
UNO Minda Ltd.	2.46%	2.70%	2.73%	1.45%	1.50%	1.40%	2.70%	2.68%	2.78%	2.84%	3.02%	3.08%	3.06%
CreditAccess Grameen Ltd.	3.46%	2.99%	3.15%	2.52%	2.38%	2.06%	2.13%	1.88%	2.00%	2.11%	-	-	-
Quality Power Electrical Equipments Ltd.	2.87%	3.36%	3.06%	2.96%	2.97%	2.15%	1.33%	0.97%	0.73%	-	-	-	-
Bharti Airtel Ltd.	3.29%	3.14%	2.77%	2.49%	2.55%	2.41%	2.63%	2.30%	2.28%	1.63%	1.19%	0.99%	0.92%
Ambuja Cements Ltd.	2.53%	2.67%	2.49%	2.06%	1.70%	1.67%	1.77%	-	-	-	-	-	-
Swan Energy Ltd.	2.10%	2.12%	2.13%	2.19%	1.84%	1.83%	1.84%	2.00%	2.08%	2.52%	2.88%	2.15%	1.50%