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.

Category : Sectoral/Thematic

Fund House : Bank of India Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 11.3 -0.18%
(as on 11th November, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 415.88 Cr

(0.15% of Investment in Category)

Expense Ratio

: 1.26%

(0.89% Category average)

Risk-O-Meter

Very High Risk

Sectoral/Thematic :Sectoral/Thematic : The fund has 95% investment in domestic equities of which 47.57% is in Large Cap stocks, 12.43% is in Mid Cap stocks, 7.48% in Small Cap stocks.The fund has 0.03% investment in Debt, of which 0.03% in Government securities.

Suitable For : Investors who have advanced knowledge of macro trends and prefer to take selective bets for higher returns compared to other Equity funds. At the same time, these investors should also be ready for possibility of moderate to high losses in their investments even though overall market is performing better.

1M
3M
6M
1Y
2Y
5Y
ALL

This Scheme

VS

Benchmark
Nifty India Consumption TRI

0.34%

4.89%

11.38%

9.52%

21.03%

19.85%

15.38%
NA
0.94%

4.69%

11.5%

5.15%

20.43%

22.3%

14.09%

NA
Gold

Compare with

Date : -
NAV : -

1M
3M
6M
9M
1Y
2Y
3Y
5Y
ALL

Date : -
Investment : -
Value on selected date : -

Returns Calculator
SIP Calculator
VIP (Value Avg)

Amount

₹

Investment Date
Sell Date

Investment Value

-
Sell Value

-
Profit/Loss

-
Annualised Returns

-

Date : -
Investment : -
Value on selected date : -

Returns (NAV as on 11th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	04-Nov-25	9869.00	-1.31%	-	-0.36%	207/231
1 Month	10-Oct-25	10053.40	0.53%	-	0.94%	140/227
3 Month	11-Aug-25	10670.40	6.70%	-	4.69%	36/224
6 Month	09-May-25	11368.20	13.68%	-	11.50%	49/213
YTD	01-Jan-25	11277.40	12.77%	-	4.88%	32/201
Since Inception	20-Dec-24	11300.00	13.00%	14.66%	14.09%	135/199

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 11th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
No Data Found

SIP Calculator Detailed Returns Analysis

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 12.5%, if your total long term capital gain exceeds 1.25 lakh. Any cess/surcharge is not included. If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 20%. Any cess/surcharge is not included in the 20%.

Portfolio (Updated on 31st Oct,2025)

Equity Holding : 95.00% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 95.00%

No of Stocks : 33 (Category Avg - 44.01) | Large Cap Investments : 47.57%| Mid Cap Investments : 12.43% | Small Cap Investments : 7.48% | Other : 27.52%

Top 10 Stocks in Portfolio

How to read this table?

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%	0.00%	10.41% (Apr 2025)	0% (Oct 2024)	1.86 L	0.00
# ITC Limited	Diversified fmcg	366.6	8.81%	0.00%	9.56% (Jul 2025)	0% (Oct 2024)	8.72 L	0.00
# Britannia Industries Ltd.	Packaged foods	262.8	6.32%	0.00%	7.12% (Jun 2025)	0% (Oct 2024)	45.03 k	0.00
# Hero Motocorp Ltd.	2/3 wheelers	261	6.28%	0.00%	6.42% (Sep 2025)	0% (Oct 2024)	47.08 k	718.00
# Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	195.1	4.69%	0.00%	5.19% (Jan 2025)	0% (Oct 2024)	55.95 k	0.00
# United Spirits Ltd.	Breweries & distilleries	165.2	3.97%	0.00%	2.92% (Sep 2025)	0% (Oct 2024)	1.15 L	28.30 k
# FSN E-Commerce Ventures Ltd.	E-retail/ e-commerce	151.8	3.65%	0.00%	4.11% (May 2025)	0% (Oct 2024)	6.12 L	-0.38 L
# Apollo Hospitals Enterprises Ltd.	Hospital	138.3	3.33%	0.00%	4.76% (Jul 2025)	0% (Oct 2024)	18.01 k	-5.84 k
# Oberoi Realty Ltd.	Residential, commercial projects	131.3	3.16%	0.00%	3.59% (Jun 2025)	0% (Oct 2024)	73.81 k	0.00
# Aditya Vision Ltd.	Speciality retail	122.8	2.95%	0.00%	3.04% (Sep 2025)	0% (Oct 2024)	2.14 L	0.00

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

Detailed Portfolio Analysis

No of Debt Holding 1 (Category Avg - 0.79) | Modified Duration 0.00 Years (Category Avg - 0.00)| Yield to Maturity - -- (Category Avg - 0.00%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	0.00%	0.02%
T-Bills	0.03%	0.33%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	0.03%	0.35%
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%

Detailed Portfolio Analysis

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

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 01st January, 1970)

No data available. Ratios are only available for the funds which are 3 years old.

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Nippon India Taiwan Equity Fund - Direct Plan - Growth	NA	421.51	1.23	15.73	53.96	40.74	38.90
Aditya Birla Sun Life International Equity Fund - Direct Plan - Growth	NA	273.51	2.31	5.74	19.20	28.72	16.90
Quant BFSI Fund - Direct Plan - Growth	NA	655.17	4.03	7.83	25.70	23.32	0.00
HDFC Transportation and Logistics Fund - Direct Plan - Growth	NA	1651.55	0.54	12.24	28.64	21.74	0.00
Franklin Asian Equity Fund - Direct - Growth	NA	279.13	2.21	11.24	23.52	21.46	15.05
Nippon India Japan Equity Fund - Direct Plan - Growth	NA	292.35	1.47	4.07	12.97	19.61	18.10
DSP Banking & Financial Services Fund - Direct Plan - Growth	NA	1419.62	2.89	6.92	12.25	18.55	0.00
ITI Banking and Financial Services Fund - Direct Plan - Growth	NA	333.18	4.09	7.72	12.34	18.52	15.35
SBI Banking & Financial Services Fund - Direct Plan - Growth	NA	9273.44	2.64	5.70	13.80	17.27	20.36
HDFC Defence Fund - Direct Plan - Growth	NA	7024.28	0.53	7.87	18.29	17.15	0.00

Detailed Comparison

More Funds from Bank of India Mutual Fund

Out of 23 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 2 is/are ranked 4 * , 4 is/are ranked 3 * , 2 is/are ranked 2 * , 4 is/are ranked 1 * , and 10 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Bank of India Flexi Cap Fund - Direct Plan - Growth	3	2260.69	1.46	7.76	16.70	3.23	23.23
Bank of India Small Cap Fund - Direct Plan - Growth	3	1925.38	0.36	3.75	13.17	-2.72	21.99
Bank of India Liquid Fund - Direct Plan - Growth	4	1512.94	0.49	1.46	3.05	6.75	7.09
Bank of India ELSS Tax Saver - Direct Plan - Growth	1	1417.05	2.05	5.12	10.54	-1.79	18.07
Bank of India Mid & Small Cap Equity & Debt Fund - Direct Plan - Growth	3	1326.16	0.38	2.92	10.68	2.45	20.24
Bank of India Multicap Fund - Direct Plan - Growth	NA	968.05	1.83	7.27	14.42	6.13	0.00
Bank of India Mid Cap Fund - Direct Plan - Growth	NA	691.38	0.30	0.00	0.00	0.00	0.00
Bank of India Manufacturing & Infrastructure Fund - Direct Plan - Growth	5	659.16	1.74	8.16	17.84	7.11	26.52
Bank of India Business Cycle Fund - Direct Plan - Growth	NA	560.17	-0.53	3.52	10.46	-6.00	0.00
Bank of India Large & Mid Cap Fund - Direct Plan - Growth	2	436.69	1.69	6.17	12.19	4.11	17.39