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.

Category : Multi Asset Allocation

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

: ₹ 12.0684 -0.28%
(as on 18th November, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 337.14 Cr

(0.21% of Investment in Category)

Expense Ratio

: 0.86%

(0.53% Category average)

Risk-O-Meter

Very High Risk

Multi Asset Allocation :Multi Asset Allocation : The fund has 36.37% investment in domestic equities of which 15.1% is in Large Cap stocks, 1.05% is in Mid Cap stocks, 6.91% in Small Cap stocks.The fund has 45.2% investment in Debt, of which 6.92% in Government securities, 38.28% is in Low Risk securities.

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This Scheme

VS

Nifty 500 TRI 37.50% + Nifty Composite Debt Index 50% + Domestic Prices of Gold 12.50%

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NA
-0.25%

6.59%

9.48%

16.49%

19.32%

19.06%

13.81%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 18th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	11-Nov-25	9990.50	-0.10%	-	0.28%	26/29
1 Month	17-Oct-25	9981.70	-0.18%	-	-0.25%	16/31
3 Month	18-Aug-25	10520.50	5.21%	-	6.59%	24/29
6 Month	16-May-25	10687.00	6.87%	-	9.48%	24/27
YTD	01-Jan-25	10952.30	9.52%	-	14.73%	23/26
1 Year	18-Nov-24	11164.50	11.64%	11.65%	16.49%	22/24
Since Inception	28-Feb-24	12068.40	20.68%	11.53%	13.81%	17/23

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 18th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	18-Nov-24	12000	12903.06	7.53 %	14.18 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Please check with your Tax Advisor.

Portfolio (Updated on 31st Oct,2025)

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%

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
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.

Detailed Portfolio Analysis

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%)

Type of Holdings

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%

Investment / Portfolio Grades

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%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
MF Units	MF Units	8.35%
MF Units	MF Units	3.14%
MF Units	MF Units	3.04%
TREPS	TREPS	2.29%
Net Receivables	Net Receivables	1.61%

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
DSP Multi Asset Allocation Fund - Direct Plan - Growth	NA	4985.07	0.85	9.49	12.85	21.79	0.00
Sundaram Multi Asset Allocation Fund - Direct Plan - Growth	NA	2925.07	-1.01	7.08	9.27	20.61	0.00
Mahindra Manulife Multi Asset Allocation Fund - Direct Plan - Growth	NA	764.15	-0.40	8.86	12.39	20.60	0.00
Nippon India Multi Asset Allocation Fund - Direct Plan - Growth	NA	8722.27	-0.14	7.49	11.96	20.40	21.59
Union Multi Asset Allocation Fund - Direct Plan - Growth	NA	808.16	-1.44	7.69	10.34	19.77	0.00
WhiteOak Capital Multi Asset Allocation Fund - Direct Plan - Growth	NA	4530.34	0.43	5.88	9.21	19.74	0.00
Aditya Birla Sun Life Multi Asset Allocation Fund - Direct Plan - Growth	NA	4973.93	-0.29	7.18	9.85	18.54	0.00
Mirae Asset Multi Asset Allocation Fund - Direct Plan - Growth	NA	2514.99	0.09	6.27	9.00	18.14	0.00
Bandhan Multi Asset Allocation Fund - Direct Plan - Growth	NA	2396.69	0.34	6.56	11.24	18.13	0.00
Kotak Multi Asset Allocation Fund - Direct Plan - Growth	NA	9429.18	-1.21	9.61	14.35	17.80	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	1.14	6.14	7.82	6.20	23.24
Bank of India Small Cap Fund - Direct Plan - Growth	3	2015.66	1.18	2.89	5.33	1.61	21.89
Bank of India Liquid Fund - Direct Plan - Growth	4	1512.94	0.50	1.46	3.03	6.73	7.09
Bank of India ELSS Tax Saver - Direct Plan - Growth	1	1417.05	1.47	4.03	3.00	1.53	18.31
Bank of India Mid & Small Cap Equity & Debt Fund - Direct Plan - Growth	3	1326.16	0.87	1.65	2.60	4.70	20.10
Bank of India Multicap Fund - Direct Plan - Growth	NA	968.05	1.88	5.05	8.36	9.74	0.00
Bank of India Mid Cap Fund - Direct Plan - Growth	NA	691.38	-0.40	0.00	0.00	0.00	0.00
Bank of India Manufacturing & Infrastructure Fund - Direct Plan - Growth	5	659.16	1.57	6.27	10.03	10.77	26.57
Bank of India Business Cycle Fund - Direct Plan - Growth	NA	560.17	-0.74	2.39	3.40	-3.38	0.00
Bank of India Large & Mid Cap Fund - Direct Plan - Growth	2	436.69	2.16	5.03	6.86	8.75	17.85