Bank of India Multi Asset Allocation 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.

Portfolio Turnover Ratio : 89.00%. Category average turnover ratio is 291.65%. 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 : 36.37% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 36.37%

No of Stocks : 42 (Category Avg - 68.00) | Large Cap Investments : 15.1%| Mid Cap Investments : 1.05% | Small Cap Investments : 6.91% | Other : 13.31%

Portfolio Summary (as on 31st Oct,2025)

Particulars	This Scheme	Category
No. of Stocks	42	64.97
Top 5 Stock Weight	9.34%	16.84%
Top 10 Stock Weight	15.74%	25.55%
Top 3 Sector Weight	8.43%	19.32%

Category - Multi Asset Allocation

Particulars	This Scheme	Category
Average mcap (Cr)	30273.92	74492.49
Holdings in large cap stocks	15.1%	30.65%
Holdings in mid cap stocks	1.05%	6.18%
Holdings in small cap stocks	6.91%	4.43%

Category - Multi Asset Allocation

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	84	2.49%	0.21%	2.68% (Dec 2024)	2.09% (Jul 2025)	89.62 k	0.00
ICICI Bank Ltd.	Private sector bank	66.4	1.97%	-0.15%	2.34% (Jul 2025)	1.12% (Feb 2025)	49.34 k	-4.67 k
Vedanta Ltd.	Diversified metals	59.2	1.76%	0.13%	1.77% (Dec 2024)	1.42% (Apr 2025)	1.20 L	0.00
Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	52.7	1.56%	0.05%	2.01% (May 2025)	1.06% (Nov 2024)	15.10 k	0.00
Siemens Energy India Ltd.	Power generation	52.6	1.56%	-0.34%	1.9% (Aug 2025)	0% (Nov 2024)	16.50 k	-2.50 k
Tata Steel Ltd.	Iron & steel products	45.7	1.36%	0.13%	1.36% (Oct 2025)	0% (Nov 2024)	2.50 L	0.00
- Dr. Reddys Laboratories Ltd.	Pharmaceuticals	43.7	1.30%	0.00%	1.4% (Jun 2025)	0.75% (Jan 2025)	36.50 k	0.00
Goodluck India Ltd.	Steel products	42.7	1.27%	0.01%	1.29% (Oct 2025)	0% (Nov 2024)	34.00 k	0.00
Shriram Finance Ltd.	Non banking financial company (nbfc)	41.9	1.24%	0.24%	1.5% (Jun 2025)	0.87% (Jan 2025)	55.88 k	0.00
Sky Gold Ltd.	Gems, jewellery and watches	41.6	1.23%	0.33%	1.23% (Oct 2025)	0% (Nov 2024)	1.17 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)

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Sector
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
State Bank Of India	Public sector bank	2.49	84	2.49%	0.21%	2.68% (Dec 2024)	2.09% (Jul 2025)	89.62 k	0.00	Large Cap	15.1
ICICI Bank Ltd.	Private sector bank	3.6	66.4	1.97%	-0.15%	2.34% (Jul 2025)	1.12% (Feb 2025)	49.34 k	-4.67 k	Large Cap	15.1
Vedanta Ltd.	Diversified metals	1.76	59.2	1.76%	0.13%	1.77% (Dec 2024)	1.42% (Apr 2025)	1.20 L	0.00	Large Cap	15.1
Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	1.56	52.7	1.56%	0.05%	2.01% (May 2025)	1.06% (Nov 2024)	15.10 k	0.00	Large Cap	15.1
Siemens Energy India Ltd.	Power generation	2.34	52.6	1.56%	-0.34%	1.9% (Aug 2025)	0% (Nov 2024)	16.50 k	-2.50 k	Other	13.31
Tata Steel Ltd.	Iron & steel products	1.36	45.7	1.36%	0.13%	1.36% (Oct 2025)	0% (Nov 2024)	2.50 L	0.00	Other	13.31
- Dr. Reddys Laboratories Ltd.	Pharmaceuticals	1.3	43.7	1.30%	0.00%	1.4% (Jun 2025)	0.75% (Jan 2025)	36.50 k	0.00	Other	13.31
Goodluck India Ltd.	Steel products	1.27	42.7	1.27%	0.01%	1.29% (Oct 2025)	0% (Nov 2024)	34.00 k	0.00	Small Cap	6.91
Shriram Finance Ltd.	Non banking financial company (nbfc)	1.24	41.9	1.24%	0.24%	1.5% (Jun 2025)	0.87% (Jan 2025)	55.88 k	0.00	Other	13.31
Sky Gold Ltd.	Gems, jewellery and watches	1.75	41.6	1.23%	0.33%	1.23% (Oct 2025)	0% (Nov 2024)	1.17 L	0.00	Small Cap	6.91
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	1.16	39.2	1.16%	0.11%	1.16% (Oct 2025)	0% (Nov 2024)	19.10 k	0.00	Large Cap	15.1
Infosys Ltd.	Computers - software & consulting	2.1	38.5	1.14%	0.05%	1.19% (Jul 2025)	0% (Nov 2024)	26.00 k	0.00	Large Cap	15.1
Quality Power Electrical Equipments Ltd.	Heavy electrical equipment	1.77	35.1	1.04%	-0.03%	1.07% (Sep 2025)	0% (Nov 2024)	34.50 k	0.00	Other	13.31
HDFC Bank Ltd.	Private sector bank	3.6	34	1.01%	0.06%	1.02% (Aug 2025)	0% (Nov 2024)	34.40 k	0.00	Other	13.31
Housing & Urban Development Corporation Ltd.	Financial institution	0.92	31.1	0.92%	0.07%	0.92% (Oct 2025)	0.65% (Feb 2025)	1.31 L	0.00	Small Cap	6.91
Prudent Corporate Advisory Services Ltd.	Financial products distributor	0.91	30.7	0.91%	0.01%	1.03% (Jul 2025)	0.31% (Mar 2025)	12.00 k	0.00	Other	13.31
Adani Ports And Special Economic Zone Ltd.	Port & port services	0.9	30.5	0.90%	0.04%	0.9% (Oct 2025)	0.59% (Jun 2025)	21.00 k	0.00	Large Cap	15.1
- Ultratech Cement Ltd.	Cement & cement products	0.86	28.9	0.86%	0.00%	1.86% (Apr 2025)	0.86% (Oct 2025)	2.42 k	0.00	Large Cap	15.1
Fiem Industries Ltd.	Auto ancillaries	0.81	27.2	0.81%	0.23%	0.81% (Oct 2025)	0.43% (Jan 2025)	13.00 k	2.50 k	Small Cap	6.91
NTPC Green Energy Ltd.	Power generation	2.34	26.3	0.78%	-0.14%	2.19% (Jan 2025)	0.74% (Oct 2025)	2.55 L	-0.70 L	Other	13.31
Gabriel India Ltd.	Auto components & equipments	0.77	26.1	0.77%	0.17%	0.78% (Oct 2025)	0% (Nov 2024)	20.50 k	3.00 k	Small Cap	6.91
- Siemens Ltd.	Heavy electrical equipment	1.77	24.8	0.73%	0.00%	2.12% (Dec 2024)	0.68% (May 2025)	8.00 k	0.00	Large Cap	15.1
- Hindustan Aeronautics Ltd.	Aerospace & defense	1.32	23.4	0.69%	0.00%	0.96% (Jun 2025)	0.48% (Feb 2025)	5.00 k	0.00	Other	13.31
Shakti Pumps (India) Ltd.	Compressors, pumps & diesel engines	0.67	22.5	0.67%	0.02%	0.76% (Jun 2025)	0% (Nov 2024)	27.50 k	0.00	Small Cap	6.91
Bharat Electronics Ltd.	Aerospace & defense	1.32	21.3	0.63%	0.04%	0.63% (Oct 2025)	0% (Nov 2024)	50.00 k	0.00	Mid Cap	1.05
Kotak Mahindra Bank Ltd.	Private sector bank	3.6	21	0.62%	0.04%	1.02% (Apr 2025)	0.57% (Sep 2025)	10.00 k	0.00	Large Cap	15.1
Balrampur Chini Mills Ltd.	Sugar	0.54	18.4	0.54%	0.01%	0.72% (Jul 2025)	0.24% (Feb 2025)	40.00 k	0.00	Small Cap	6.91
Vikran Engineering Ltd.	Civil construction	0.54	18.3	0.54%	0.04%	0.54% (Oct 2025)	0% (Nov 2024)	1.80 L	0.00	Other	13.31
Coforge Ltd.	Computers - software & consulting	2.1	17.8	0.53%	0.07%	1.34% (Jun 2025)	0.37% (Jan 2025)	10.00 k	0.00	Other	13.31
ITC Limited	Diversified fmcg	0.52	17.7	0.52%	0.03%	0.52% (Oct 2025)	0% (Nov 2024)	42.06 k	0.00	Large Cap	15.1
Titan Company Ltd.	Gems, jewellery and watches	1.75	17.6	0.52%	0.06%	0.52% (Oct 2025)	0% (Nov 2024)	4.70 k	0.00	Large Cap	15.1
Multi Commodity Exchange Of India Ltd.	Exchange and data platform	0.52	17.6	0.52%	0.09%	0.83% (Jun 2025)	0.42% (Aug 2025)	1.90 k	0.00	Small Cap	6.91
- Eternal Ltd.	E-retail/ e-commerce	0.77	17.2	0.51%	0.00%	0.56% (Oct 2025)	0% (Nov 2024)	54.00 k	0.00	Other	13.31
Syrma SGS Technology Ltd.	Industrial products	0.48	16.3	0.48%	0.03%	0.69% (Jul 2025)	0% (Nov 2024)	20.00 k	0.00	Other	13.31
Zaggle Prepaid Ocean Service Pvt Ltd.	It enabled services	0.44	14.9	0.44%	0.04%	0.88% (Jan 2025)	0.4% (Sep 2025)	40.00 k	0.00	Other	13.31
Reliance Industries Ltd.	Refineries & marketing	0.44	14.9	0.44%	0.04%	0.44% (Oct 2025)	0.35% (Dec 2024)	10.00 k	0.00	Large Cap	15.1
PG Electroplast Ltd.	Consumer electronics	0.43	14.6	0.43%	0.06%	0.73% (Apr 2025)	0.34% (Feb 2025)	25.50 k	0.00	Other	13.31
Tech Mahindra Ltd.	Computers - software & consulting	2.1	14.5	0.43%	0.01%	0.49% (Jun 2025)	0% (Nov 2024)	10.20 k	0.00	Large Cap	15.1
Trent Limited	Speciality retail	0.42	14.1	0.42%	0.01%	1.89% (Jan 2025)	0.08% (Mar 2025)	3.00 k	0.00	Mid Cap	1.05
FSN E-Commerce Ventures Ltd.	E-retail/ e-commerce	0.77	8.7	0.26%	0.02%	0.27% (Oct 2025)	0% (Nov 2024)	35.00 k	0.00	Other	13.31
Krn Heat Exchanger and Refrigeration Ltd.	Other industrial products	0.23	7.9	0.23%	-0.01%	0.57% (Mar 2025)	0.2% (Jun 2025)	10.00 k	0.00	Other	13.31
# Tvs Srichakra Ltd.	Tyres & rubber products	0.18	6	0.18%	0.18%	0.18% (Oct 2025)	0% (Nov 2024)	1.44 k	1.44 k	Small Cap	6.91
CreditAccess Grameen Ltd.	Microfinance institutions		34.5	0.00%	-1.01%	-	-	-	-	Small Cap	6.91
Suven Pharmaceuticals Ltd.	Pharmaceuticals	1.3	23.7	0.00%	-0.69%	-	-	-	-	Other	13.31
Glenmark Pharmaceuticals Ltd.	Pharmaceuticals	1.3	21.5	0.00%	-0.63%	-	-	-	-	Mid Cap	1.05
InterGlobe Aviation Ltd.	Airline		13.2	0.00%	-0.38%	-	-	-	-	Large Cap	15.1
Manorama Industries Ltd.	Other food products		19.5	0.00%	-0.57%	-	-	-	-	Other	13.31

- 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
# Tvs Srichakra Ltd.	Tyres & rubber products	6	0.18%	0.18%	0.18% (Oct 2025)	0% (Nov 2024)	1.44 k	1442

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
CreditAccess Grameen Ltd.	Microfinance institutions	34.5	0.00%	-1.01%	1.06% (Aug 2025)	0.19% (Jan 2025)	-25500
Suven Pharmaceuticals Ltd.	Pharmaceuticals	23.7	0.00%	-0.69%	0.69% (Sep 2025)	0% (Nov 2024)	-27000
Glenmark Pharmaceuticals Ltd.	Pharmaceuticals	21.5	0.00%	-0.63%	0.71% (Jul 2025)	0% (Nov 2024)	-11000
InterGlobe Aviation Ltd.	Airline	13.2	0.00%	-0.38%	0.42% (Aug 2025)	0% (Nov 2024)	-2350
Manorama Industries Ltd.	Other food products	19.5	0.00%	-0.57%	1.11% (Jul 2025)	0.46% (Jan 2025)	-14000

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	2.49%	2.28%	2.13%	2.09%	2.11%	2.50%	2.57%	2.54%	2.35%	2.50%	2.53%	2.62%	2.54%
Siemens Energy India Ltd.	1.56%	1.90%	1.90%	1.80%	1.62%	-	-	-	-	-	-	-	-
ICICI Bank Ltd.	1.97%	2.12%	2.23%	2.34%	1.74%	1.21%	1.27%	1.21%	1.12%	-	-	-	-
Vedanta Ltd.	1.76%	1.63%	1.49%	1.50%	1.59%	1.47%	1.49%	1.67%	1.47%	1.56%	1.55%	1.55%	1.57%
Mahindra & Mahindra Ltd.	1.56%	1.51%	1.43%	1.42%	1.63%	1.88%	1.96%	1.80%	1.81%	1.67%	1.20%	1.06%	0.96%
Rural Electrification Corporation Limited	-	-	-	-	-	0.61%	1.67%	1.73%	1.34%	1.58%	1.74%	1.81%	1.76%
NTPC Green Energy Ltd.	0.78%	0.92%	0.99%	0.99%	1.85%	1.93%	1.84%	1.86%	1.67%	2.09%	2.10%	0.99%	-
Tata Steel Ltd.	1.36%	1.23%	-	-	-	-	-	-	-	-	-	-	-
Goodluck India Ltd.	1.27%	1.26%	-	-	-	-	-	-	-	-	-	-	-
Grasim Industries Limited	-	-	-	-	-	-	-	-	-	-	1.21%	1.26%	1.30%
Ultratech Cement Ltd.	0.86%	0.86%	0.91%	0.87%	1.49%	1.67%	1.83%	1.73%	1.31%	1.02%	-	-	-
Dr. Reddys Laboratories Ltd.	1.30%	1.30%	1.36%	1.36%	1.35%	1.28%	1.28%	1.25%	1.27%	0.75%	0.85%	-	-
Varun Beverages Ltd.	-	-	-	-	-	1.16%	1.34%	1.40%	0.97%	1.03%	1.21%	1.15%	1.10%
Siemens Ltd.	0.73%	0.73%	0.73%	0.71%	0.75%	0.73%	0.82%	1.50%	1.36%	1.70%	1.81%	1.83%	1.68%
National Thermal Power Corporation Ltd.	-	-	-	-	-	-	-	-	-	-	-	1.09%	1.22%

No of Debt Holding 13 (Category Avg - 17.77) | Modified Duration 3.28 Years (Category Avg - 2.55)| Yield to Maturity 6.93% (Category Avg - 6.49%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	6.77%	7.12%
CD	0.00%	0.81%
T-Bills	0.15%	0.72%
CP	0.00%	0.48%
NCD & Bonds	38.28%	8.20%
PTC	0.00%	0.09%

Category - Multi Asset Allocation

Security Type	% Weight	Category Average
Government Backed	6.92%	7.84%
Low Risk	38.28%	9.40%
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 - Multi Asset Allocation

Debt holding in Portfolio (as on 31st Oct,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	255.26	7.57%	25.00 L
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	253.59	7.52%	25.00 L
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	200.93	5.96%	20.00 L
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	182.77	5.42%	18.00 L
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	163.06	4.84%	16.00 L
Bond - Govt of India	GOI	Other			157.72	4.68%	16.00 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	102.12	3.03%	10.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	61.24	1.82%	6.00 L
Bond - Govt of India	GOI	Other			60.05	1.78%	6.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	51.32	1.52%	5.00 L
Bond - Manappuram Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA	CRISIL	20.23	0.60%	2.00 L
Bond - Govt of India	GOI	Other			10.34	0.31%	1.00 L
Bond - T-Bill	T-Bills	Other			4.95	0.15%	50.00 k