Bank of India Multi Asset Allocation 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.

Portfolio Turnover Ratio : 90.00%. Category average turnover ratio is 254.79%. 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 : 37.69% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 37.69%

No of Stocks : 46 (Category Avg - 62.55) | Large Cap Investments : 14.86%| Mid Cap Investments : 1.63% | Small Cap Investments : 6.81% | Other : 14.39%

Portfolio Summary (as on 30th Sep,2025)

Particulars	This Scheme	Category
No. of Stocks	46	62.57
Top 5 Stock Weight	9.44%	16.04%
Top 10 Stock Weight	15.39%	24.45%
Top 3 Sector Weight	9.09%	18.55%

Category - Multi Asset Allocation

Particulars	This Scheme	Category
Average mcap (Cr)	29336.76	71997.17
Holdings in large cap stocks	14.86%	30.08%
Holdings in mid cap stocks	1.63%	5.93%
Holdings in small cap stocks	6.81%	4.27%

Category - Multi Asset Allocation

Top 10 Stocks holding in Portfolio (as on 30th Sep,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	78.2	2.28%	0.15%	2.68% (Dec 2024)	2.09% (Jul 2025)	89.62 k	0.00
ICICI Bank Ltd.	Private sector bank	72.8	2.12%	-0.11%	2.34% (Jul 2025)	1.12% (Feb 2025)	54.00 k	0.00
- Siemens Energy India Ltd.	Power generation	65.2	1.90%	0.00%	1.9% (Aug 2025)	0% (Oct 2024)	19.00 k	0.00
Vedanta Ltd.	Diversified metals	55.9	1.63%	0.14%	1.77% (Dec 2024)	1.42% (Apr 2025)	1.20 L	0.00
Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	51.8	1.51%	0.08%	2.01% (May 2025)	0.96% (Oct 2024)	15.10 k	0.00
Dr. Reddys Laboratories Ltd.	Pharmaceuticals	44.7	1.30%	-0.06%	1.4% (Jun 2025)	0.75% (Jan 2025)	36.50 k	0.00
# Goodluck India Ltd.	Steel products	43.2	1.26%	1.26%	1.26% (Sep 2025)	0% (Oct 2024)	34.00 k	34.00 k
# Tata Steel Ltd.	Iron & steel products	42.2	1.23%	1.23%	1.23% (Sep 2025)	0% (Oct 2024)	2.50 L	2.50 L
Infosys Ltd.	Computers - software & consulting	37.5	1.09%	-0.04%	1.19% (Jul 2025)	0% (Oct 2024)	26.00 k	0.00
# Quality Power Electrical Equipments Ltd.	Heavy electrical equipment	36.9	1.07%	1.07%	1.07% (Sep 2025)	0% (Oct 2024)	34.50 k	34.50 k

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

View complete holding

Complete equity Portfolio (as on 30th Sep,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	2.28	78.2	2.28%	0.15%	2.68% (Dec 2024)	2.09% (Jul 2025)	89.62 k	0.00	Large Cap	14.86
ICICI Bank Ltd.	Private sector bank	3.65	72.8	2.12%	-0.11%	2.34% (Jul 2025)	1.12% (Feb 2025)	54.00 k	0.00	Large Cap	14.86
- Siemens Energy India Ltd.	Power generation	2.82	65.2	1.90%	0.00%	1.9% (Aug 2025)	0% (Oct 2024)	19.00 k	0.00	Other	14.39
Vedanta Ltd.	Diversified metals	1.63	55.9	1.63%	0.14%	1.77% (Dec 2024)	1.42% (Apr 2025)	1.20 L	0.00	Large Cap	14.86
Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	1.51	51.8	1.51%	0.08%	2.01% (May 2025)	0.96% (Oct 2024)	15.10 k	0.00	Large Cap	14.86
Dr. Reddys Laboratories Ltd.	Pharmaceuticals	2.62	44.7	1.30%	-0.06%	1.4% (Jun 2025)	0.75% (Jan 2025)	36.50 k	0.00	Other	14.39
# Goodluck India Ltd.	Steel products	1.26	43.2	1.26%	1.26%	1.26% (Sep 2025)	0% (Oct 2024)	34.00 k	34.00 k	Small Cap	6.81
# Tata Steel Ltd.	Iron & steel products	1.23	42.2	1.23%	1.23%	1.23% (Sep 2025)	0% (Oct 2024)	2.50 L	2.50 L	Other	14.39
Infosys Ltd.	Computers - software & consulting	1.97	37.5	1.09%	-0.04%	1.19% (Jul 2025)	0% (Oct 2024)	26.00 k	0.00	Large Cap	14.86
# Quality Power Electrical Equipments Ltd.	Heavy electrical equipment	1.8	36.9	1.07%	1.07%	1.07% (Sep 2025)	0% (Oct 2024)	34.50 k	34.50 k	Other	14.39
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	1.05	35.9	1.05%	-0.02%	1.07% (Aug 2025)	0% (Oct 2024)	19.10 k	0.00	Large Cap	14.86
CreditAccess Grameen Ltd.	Microfinance institutions	1.01	34.5	1.01%	-0.05%	1.06% (Aug 2025)	0.19% (Jan 2025)	25.50 k	0.00	Small Cap	6.81
Shriram Finance Ltd.	Non banking financial company (nbfc)	1	34.4	1.00%	0.04%	1.5% (Jun 2025)	0.87% (Jan 2025)	55.88 k	0.00	Other	14.39
HDFC Bank Ltd.	Private sector bank	3.65	32.7	0.95%	-0.02%	1.02% (Jul 2025)	0% (Oct 2024)	34.40 k	0.00	Other	14.39
NTPC Green Energy Ltd.	Power generation	2.82	31.6	0.92%	-0.07%	2.19% (Jan 2025)	0.92% (Sep 2025)	3.25 L	0.00	Other	14.39
Prudent Corporate Advisory Services Ltd.	Financial products distributor	0.9	30.9	0.90%	-0.10%	1.03% (Jul 2025)	0.31% (Mar 2025)	12.00 k	0.00	Other	14.39
Sky Gold Ltd.	Gems, jewellery and watches	1.36	30.8	0.90%	-0.10%	1% (Aug 2025)	0% (Oct 2024)	1.17 L	0.00	Small Cap	6.81
Ultratech Cement Ltd.	Cement & cement products	0.86	29.6	0.86%	-0.05%	1.86% (Apr 2025)	0.86% (Sep 2025)	2.42 k	0.00	Large Cap	14.86
Adani Ports And Special Economic Zone Ltd.	Port & port services	0.86	29.5	0.86%	0.14%	0.86% (Sep 2025)	0% (Oct 2024)	21.00 k	2.50 k	Large Cap	14.86
Housing & Urban Development Corporation Ltd.	Financial institution	0.85	29.3	0.85%	0.06%	0.89% (May 2025)	0.62% (Nov 2024)	1.31 L	0.00	Small Cap	6.81
- Siemens Ltd.	Heavy electrical equipment	1.8	25	0.73%	0.00%	2.12% (Dec 2024)	0.68% (May 2025)	8.00 k	0.00	Large Cap	14.86
# Suven Pharmaceuticals Ltd.	Pharmaceuticals	2.62	23.7	0.69%	0.69%	0.69% (Sep 2025)	0% (Oct 2024)	27.00 k	27.00 k	Other	14.39
Hindustan Aeronautics Ltd.	Aerospace & defense	1.28	23.7	0.69%	0.05%	0.96% (Jun 2025)	0.48% (Feb 2025)	5.00 k	0.00	Other	14.39
Shakti Pumps (India) Ltd.	Compressors, pumps & diesel engines	0.65	22.5	0.65%	-0.01%	0.76% (Jun 2025)	0% (Oct 2024)	27.50 k	0.00	Small Cap	6.81
- Glenmark Pharmaceuticals Ltd.	Pharmaceuticals	2.62	21.5	0.63%	0.00%	0.71% (Jul 2025)	0% (Oct 2024)	11.00 k	0.00	Mid Cap	1.63
- Gabriel India Ltd.	Auto components & equipments	0.6	20.7	0.60%	0.00%	0.66% (Sep 2025)	0% (Oct 2024)	17.50 k	0.00	Small Cap	6.81
Bharat Electronics Ltd.	Aerospace & defense	1.28	20.2	0.59%	0.15%	0.59% (Sep 2025)	0% (Oct 2024)	50.00 k	10.00 k	Mid Cap	1.63
Fiem Industries Ltd.	Auto ancillaries	0.58	20	0.58%	-0.07%	0.65% (Aug 2025)	0.43% (Jan 2025)	10.50 k	0.00	Small Cap	6.81
- Kotak Mahindra Bank Ltd.	Private sector bank	3.65	19.9	0.58%	0.00%	1.02% (Apr 2025)	0.57% (Sep 2025)	10.00 k	0.00	Large Cap	14.86
Manorama Industries Ltd.	Other food products	0.57	19.5	0.57%	0.01%	1.11% (Jul 2025)	0.46% (Jan 2025)	14.00 k	0.00	Other	14.39
Balrampur Chini Mills Ltd.	Sugar	0.53	18.2	0.53%	-0.10%	0.72% (Jul 2025)	0.24% (Feb 2025)	40.00 k	0.00	Small Cap	6.81
Eternal Ltd.	E-retail/ e-commerce	0.75	17.6	0.51%	0.01%	0.51% (Aug 2025)	0% (Oct 2024)	54.00 k	0.00	Other	14.39
# Vikran Engineering Ltd.	Civil construction	0.5	17.1	0.50%	0.50%	0.5% (Sep 2025)	0% (Oct 2024)	1.80 L	1.80 L	Other	14.39
ITC Limited	Diversified fmcg	0.49	16.9	0.49%	-0.02%	0.51% (Jul 2025)	0% (Oct 2024)	42.06 k	0.00	Large Cap	14.86
Coforge Ltd.	Computers - software & consulting	1.97	15.9	0.46%	-0.78%	1.34% (Jun 2025)	0.37% (Jan 2025)	10.00 k	-0.14 L	Other	14.39
Titan Company Ltd.	Gems, jewellery and watches	1.36	15.8	0.46%	-0.04%	0.5% (Aug 2025)	0% (Oct 2024)	4.70 k	0.00	Large Cap	14.86
- Syrma SGS Technology Ltd.	Industrial products	0.45	15.4	0.45%	0.00%	0.69% (Jul 2025)	0% (Oct 2024)	20.00 k	0.00	Other	14.39
Multi Commodity Exchange Of India Ltd.	Exchange and data platform	0.43	14.8	0.43%	0.01%	0.83% (Jun 2025)	0.42% (Aug 2025)	1.90 k	0.00	Small Cap	6.81
Tech Mahindra Ltd.	Computers - software & consulting	1.97	14.3	0.42%	-0.03%	0.49% (Jun 2025)	0% (Oct 2024)	10.20 k	0.00	Large Cap	14.86
Trent Limited	Speciality retail	0.41	14	0.41%	-0.06%	1.89% (Jan 2025)	0.08% (Mar 2025)	3.00 k	0.00	Mid Cap	1.63
Zaggle Prepaid Ocean Service Pvt Ltd.	It enabled services	0.4	13.8	0.40%	-0.06%	0.88% (Jan 2025)	0.4% (Sep 2025)	40.00 k	0.00	Other	14.39
- Reliance Industries Ltd.	Refineries & marketing	0.4	13.6	0.40%	0.00%	0.43% (Jun 2025)	0.35% (Dec 2024)	10.00 k	0.00	Large Cap	14.86
InterGlobe Aviation Ltd.	Airline	0.38	13.2	0.38%	-0.01%	0.42% (Aug 2025)	0% (Oct 2024)	2.35 k	0.00	Large Cap	14.86
PG Electroplast Ltd.	Consumer electronics	0.37	12.8	0.37%	-0.03%	0.73% (Apr 2025)	0.34% (Feb 2025)	25.50 k	0.00	Other	14.39
Krn Heat Exchanger and Refrigeration Ltd.	Other industrial products	0.24	8.4	0.24%	-0.02%	0.57% (Mar 2025)	0.2% (Jun 2025)	10.00 k	0.00	Other	14.39
- FSN E-Commerce Ventures Ltd.	E-retail/ e-commerce	0.75	8.1	0.24%	0.00%	0.24% (Sep 2025)	0% (Oct 2024)	35.00 k	0.00	Other	14.39
Bank Of Baroda	Public sector bank	2.28	34.9	0.00%	-1.03%	-	-	-	-	Large Cap	14.86
Tata Power Co. Ltd.	Integrated power utilities		8	0.00%	-0.24%	-	-	-	-	Mid Cap	1.63
Commercial Engineers & Body Builders Co. Ltd.	Engineering, designing, construction		14.3	0.00%	-0.42%	-	-	-	-	Small Cap	6.81
Eris Lifesciences Ltd.	Pharmaceuticals	2.62	21.6	0.00%	-0.64%	-	-	-	-	Small Cap	6.81
Sun Pharmaceutical Industries Ltd.	Pharmaceuticals	2.62	13.2	0.00%	-0.39%	-	-	-	-	Large Cap	14.86

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

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

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
# Bond - Manappuram Finance Ltd.	Non banking financial company (nbfc)	20.2	0.59%	0.59%	0% (Oct 2025)	0% (Oct 2025)	2.00 L	200000
# Tata Steel Ltd.	Iron & steel products	42.2	1.23%	1.23%	1.23% (Sep 2025)	0% (Oct 2024)	2.50 L	250000
# Suven Pharmaceuticals Ltd.	Pharmaceuticals	23.7	0.69%	0.69%	0.69% (Sep 2025)	0% (Oct 2024)	27.00 k	27000
# Quality Power Electrical Equipments Ltd.	Heavy electrical equipment	36.9	1.07%	1.07%	1.07% (Sep 2025)	0% (Oct 2024)	34.50 k	34500
# Goodluck India Ltd.	Steel products	43.2	1.26%	1.26%	1.26% (Sep 2025)	0% (Oct 2024)	34.00 k	34000
# Vikran Engineering Ltd.	Civil construction	17.1	0.50%	0.50%	0.5% (Sep 2025)	0% (Oct 2024)	1.80 L	180000

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

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	1M Change in Qty
Bank Of Baroda	Public sector bank	34.9	0.00%	-1.03%	1.47% (May 2025)	0.53% (Oct 2024)	-150000
Tata Power Co. Ltd.	Integrated power utilities	8	0.00%	-0.24%	1.58% (May 2025)	0.24% (Aug 2025)	-21500
Commercial Engineers & Body Builders Co. Ltd.	Engineering, designing, construction	14.3	0.00%	-0.42%	0.71% (Dec 2024)	0.41% (Feb 2025)	-45000
Eris Lifesciences Ltd.	Pharmaceuticals	21.6	0.00%	-0.64%	0.64% (Aug 2025)	0% (Oct 2024)	-12000
Sun Pharmaceutical Industries Ltd.	Pharmaceuticals	13.2	0.00%	-0.39%	0.41% (Jul 2025)	0% (Oct 2024)	-8300

Trend in stock holdings (Top 15 Holding)

Stock	Sep 2025	Aug 2025	Jul 2025	Jun 2025	May 2025	Apr 2025	Mar 2025	Feb 2025	Jan 2025	Dec 2024	Nov 2024	Oct 2024	Sep 2024
State Bank Of India	2.28%	2.13%	2.09%	2.11%	2.50%	2.57%	2.54%	2.35%	2.50%	2.53%	2.62%	2.54%	2.48%
Siemens Energy India Ltd.	1.90%	1.90%	1.80%	1.62%	-	-	-	-	-	-	-	-	-
ICICI Bank Ltd.	2.12%	2.23%	2.34%	1.74%	1.21%	1.27%	1.21%	1.12%	-	-	-	-	-
Rural Electrification Corporation Limited	-	-	-	-	0.61%	1.67%	1.73%	1.34%	1.58%	1.74%	1.81%	1.76%	1.87%
NTPC Green Energy Ltd.	0.92%	0.99%	0.99%	1.85%	1.93%	1.84%	1.86%	1.67%	2.09%	2.10%	0.99%	-	-
Vedanta Ltd.	1.63%	1.49%	1.50%	1.59%	1.47%	1.49%	1.67%	1.47%	1.56%	1.55%	1.55%	1.57%	1.76%
UNO Minda Ltd.	-	-	-	-	-	-	-	-	-	-	-	-	1.52%
Mahindra & Mahindra Ltd.	1.51%	1.43%	1.42%	1.63%	1.88%	1.96%	1.80%	1.81%	1.67%	1.20%	1.06%	0.96%	1.11%
Ultratech Cement Ltd.	0.86%	0.91%	0.87%	1.49%	1.67%	1.83%	1.73%	1.31%	1.02%	-	-	-	-
Grasim Industries Limited	-	-	-	-	-	-	-	-	-	1.21%	1.26%	1.30%	1.37%
Goodluck India Ltd.	1.26%	-	-	-	-	-	-	-	-	-	-	-	-
Siemens Ltd.	0.73%	0.73%	0.71%	0.75%	0.73%	0.82%	1.50%	1.36%	1.70%	1.81%	1.83%	1.68%	1.77%
Tata Steel Ltd.	1.23%	-	-	-	-	-	-	-	-	-	-	-	-
National Thermal Power Corporation Ltd.	-	-	-	-	-	-	-	-	-	-	1.09%	1.22%	1.34%
Dr. Reddys Laboratories Ltd.	1.30%	1.36%	1.36%	1.35%	1.28%	1.28%	1.25%	1.27%	0.75%	0.85%	-	-	-

No of Debt Holding 14 (Category Avg - 16.90) | Modified Duration 3.34 Years (Category Avg - 2.75)| Yield to Maturity 7.04% (Category Avg - 6.52%)

Portfolio Summary (as on 30th Sep,2025)

Security Type	% Weight	Category Average
GOI	6.42%	7.14%
CD	0.00%	1.00%
T-Bills	0.14%	0.66%
CP	0.00%	0.12%
NCD & Bonds	37.52%	8.03%
PTC	0.00%	0.10%

Category - Multi Asset Allocation

Security Type	% Weight	Category Average
Government Backed	6.56%	7.80%
Low Risk	37.52%	9.02%
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 30th Sep,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	254.76	7.42%	25.00 L
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	253.63	7.39%	25.00 L
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	200.62	5.84%	20.00 L
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	182.74	5.32%	18.00 L
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	162.48	4.73%	16.00 L
Bond - Govt of India	GOI	Other			108.12	3.15%	11.00 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	101.88	2.97%	10.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	60.74	1.77%	6.00 L
Bond - Govt of India	GOI	Other			51.65	1.50%	5.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	51.16	1.49%	5.00 L
Bond - Govt of India	GOI	Other			50.49	1.47%	5.00 L
Bond - Manappuram Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA	CRISIL	20.22	0.59%	2.00 L
Bond - Govt of India	GOI	Other			10.33	0.30%	1.00 L
Bond - T-Bill	T-Bills	Other			4.92	0.14%	50.00 k