Home Mf Research Bank Of India Consumption Fund Regular Plan Growth Regular Plan Growth

Bank of India Consumption Fund - REGULAR PLAN - GROWTH - REGULAR PLAN - GROWTH

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Fund info
NAV (as on 2025-07-18)
10.86 -0.82%
AUM (Fund Size)
35
Expense Ratio
2.46%
Exit load
• If redeemed /switched-out within 3 months from the date of allotment: For 10% of investments-:Nil For remaining investments:1% • If redeemed/switched-out after 3 months from the date of allotment: Nil
Risk
Very High
AMC
BANK OF INDIA MUTUAL FUND
View AMC Details

SIP Returns

Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-07-11 ₹1,000.00 ₹1,008.36
0.84 %
Two Week 2025-07-03 ₹1,000.00 ₹1,001.85
0.18 %
One Month 2025-06-18 ₹1,000.00 ₹1,036.26
3.63 %
Three Months 2025-04-21 ₹3,000.00 ₹3,171.53
5.72 %
Six Months 2025-01-20 ₹6,000.00 ₹6,566.91
9.45 %
Since Inception 2024-12-20 ₹8,000.00 ₹8,644.56
8.06 %

Return Calculator

SIP Amount
1M
6M
1Y
3Y
5Y
Investment
₹0
Maturity Value
₹0
Abs. Returns
0
Current CAGR
0

Portfolio

Allocation of Equity and Debt Asset Classes.

Equity 84%
Debt 0%
Others N/A

Sectors Holding in Bank of India Consumption Fund - REGULAR PLAN - GROWTH - REGULAR PLAN - GROWTH

Telecom - Services
9%
Diversified FMCG
11%
Food Products
10%
Automobiles
12%
Healthcare Services
5%
Retailing
7%
Realty
3%
Pharmaceuticals & Biotechnology
4%
Consumer Durables
3%
Financial Technology (Fintech)
3%
Insurance
4%
Paper, Forest & Jute Products
2%
Auto Components
5%
Entertainment
2%
Personal Products
2%
Agricultural Food & Other Products
1%
Fertilizers & Agrochemicals
1%
Other
0%

Companies Holding in Bank of India Consumption Fund - REGULAR PLAN - GROWTH - REGULAR PLAN - GROWTH

Bharti Airtel Limited
9.68%
ITC Limited
9.13%
Britannia Industries Limited
7.06%
Hero MotoCorp Limited
5.06%
Mahindra & Mahindra Limited
4.35%
Apollo Hospitals Enterprise Limited
4.29%
FSN E-Commerce Ventures Limited
4.11%
Oberoi Realty Limited
3.37%
Eris Lifesciences Limited
3.18%
Senco Gold Limited
3.15%
Manorama Industries Limited
3.13%
PB Fintech Limited
3.11%
ICICI Lombard General Insurance Company Limited
2.99%
Aditya Birla Real Estate Limited
2.96%
Gabriel India Limited
2.88%
Tips Music Limited
2.84%
Emami Limited
2.73%
SBI Life Insurance Company Limited
2.72%
S.J.S. Enterprises Limited
2.64%
Maruti Suzuki India Limited
2.61%
Aditya Vision Ltd
2.57%
Hindustan Unilever Limited
2.09%
Max Healthcare Institute Limited
1.96%
Balrampur Chini Mills Limited
1.63%
UNO Minda Limited
1.49%
Sun Pharmaceutical Industries Limited
1.45%
Bayer Cropscience Limited
1.44%
Landmark Cars Limited
1.24%
Avenue Supermarts Limited
1.21%
Trent Limited
0.86%
Dixon Technologies (India) Limited
0.84%
Eternal Limited
0.31%
Go Fashion (India) Limited
0.08%
364 Days Tbill (MD 15/01/2026)
0.03%
TREPS
0.81%

Risk Ratios

Std. Deviation N/A
Beta N/A
Sharpe Ratio N/A
Lock In Period N/A
Residual Maturity N/A

Standard Deviation:

Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.

Beta:

Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.

Sharpe Ratio:

The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.

Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.

Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.

Risk-O-Meter

Investors understand that their principal will be at
Very High

Scheme Details

Min. SIP Amount
N/A
Min. Lumpsum Amount
N/A
AUM (in Cr.)
N/A
Expense Ratio Regular
2.46
Expense Ratio Direct
1.18
Lock-in Period
N/A
Fund Age
N/A
Benchmark
N/A

Exit load

• If redeemed /switched-out within 3 months from the date of allotment: For 10% of investments-:Nil For remaining investments:1% • If redeemed/switched-out after 3 months from the date of allotment: Nil

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