Home Mf Research Bank Of India Multi Asset Allocation Fund Regular Plan Growth

Bank of India Multi Asset Allocation Fund - REGULAR PLAN - GROWTH

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Fund info
NAV (as on 2025-07-18)
11.42 -0.11%
AUM (Fund Size)
64
Expense Ratio
2.04%
Exit load
• For redemption/switch out Upto 10% of the initial units allotted - within 1 year from the date of allotment: “NIL” • Any redemption/switch out in excess of the above mentioned limit would be subject to an exit load of 1%, if the units are redeemed/ switched out within 1 year from the date of allotment of units. • If the units are redeemed/switched out after 1 year from the date of allotment of units : “Nil”
Risk
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 ₹1,003.10
0.31 %
Two Week 2025-07-03 ₹1,000.00 ₹1,001.45
0.14 %
One Month 2025-06-18 ₹1,000.00 ₹1,006.32
0.63 %
Three Months 2025-04-21 ₹3,000.00 ₹3,062.78
2.09 %
Six Months 2025-01-20 ₹6,000.00 ₹6,282.07
4.70 %
One Year 2024-07-18 ₹12,000.00 ₹12,570.16
4.75 %
Since Inception 2024-02-28 ₹17,000.00 ₹18,027.23
6.04 %

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 13%
Debt 51%
Others 0%

Sectors Holding in Bank of India Multi Asset Allocation Fund - REGULAR PLAN - GROWTH

Banks
4%
Power
2%
Automobiles
1%
Cement & Cement Products
1%
Diversified Metals
1%
Pharmaceuticals & Biotechnology
1%
Finance
1%
IT - Software
1%
Beverages
1%
Capital Markets
0%
Food Products
0%
Aerospace & Defense
0%
Electrical Equipment
0%
IT - Services
0%
Agricultural Food & Other Products
0%
Industrial Manufacturing
0%
Transport Infrastructure
0%
Realty
0%
Consumer Durables
0%
Paper, Forest & Jute Products
0%
Financial Technology (Fintech)
0%
Retailing
0%
Auto Components
0%
Industrial Products
0%
Petroleum Products
0%
Transport Services
0%
Other
51%

Companies Holding in Bank of India Multi Asset Allocation Fund - REGULAR PLAN - GROWTH

State Bank Of India
2.50%
NTPC Green Energy Limited
1.93%
Mahindra & Mahindra Limited
1.88%
UltraTech Cement Limited
1.67%
Tata Power Company Limited
1.54%
Bank Of Baroda
1.47%
Vedanta Limited
1.47%
Dr. Reddy's Laboratories Limited
1.28%
Shriram Finance Limited
1.24%
ICICI Bank Limited
1.21%
Coforge Limited
1.17%
Varun Beverages Limited
1.16%
Prudent Corporate Advisory Services Limited
0.99%
Manorama Industries Limited
0.98%
BSE Limited
0.98%
Hindustan Aeronautics Limited
0.95%
Wockhardt Limited
0.95%
Ami Organics Limited
0.94%
Housing & Urban Development Corporation Limited
0.89%
CreditAccess Grameen Limited
0.80%
Siemens Limited
0.73%
Zaggle Prepaid Ocean Services Limited
0.71%
Balrampur Chini Mills Limited
0.66%
Titagarh Rail Systems Limited
0.65%
REC Limited
0.61%
Adani Ports And Special Economic Zone Limited
0.60%
Multi Commodity Exchange Of India Limited
0.60%
Kotak Mahindra Bank Limited
0.58%
DLF Limited
0.56%
PG Electroplast Limited
0.55%
Aditya Birla Real Estate Limited
0.55%
PNB Housing Finance Limited
0.53%
ABB India Limited
0.50%
Jupiter Wagons Limited
0.50%
PB Fintech Limited
0.49%
Trent Limited
0.48%
FIEM Industries Limited
0.47%
Senco Gold Limited
0.44%
Hi-Tech Pipes Limited
0.40%
Reliance Industries Limited
0.40%
Cartrade Tech Limited
0.39%
Syrma SGS Technology Limited
0.38%
InterGlobe Aviation Limited
0.35%
KRN Heat Exchanger And Refrigeration Limited
0.21%
Siemens Energy India Limited
0.66%
7.44% Indian Railway Finance Corporation Limited (28/02/2034)
7.32%
7.6% Power Finance Corporation Limited (13/04/2029)
7.24%
7.8350% LIC Housing Finance Limited (11/05/2027)
7.15%
8.1167% Bajaj Finance Limited (10/05/2027)
5.15%
7.73% Tata Capital Housing Finance Limited (14/01/2030)
4.60%
7.1% Government Of India (18/04/2029)
2.93%
7.49% Small Industries Dev Bank Of India (11/06/2029)
2.89%
7.34% REC Limited (30/04/2030)
1.73%
7.18% Government Of India (14/08/2033)
1.49%
6.79% Government Of India (07/10/2034)
1.45%
7.68% National Bank For Agriculture And Rural Development (30/04/2029)
1.45%
6.33% Government Of India (05/05/2035)
1.42%
7.35% Export Import Bank Of India (27/07/2028)
0.58%
364 Days Tbill (MD 15/01/2026)
0.14%
ICICI Prudential Gold ETF
8.88%
Nippon India ETF Gold Bees
2.64%
DSP Gold ETF
2.35%
TREPS
0.74%
Net Receivables / (Payables)
0.85%

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
High

Scheme Details

Min. SIP Amount
N/A
Min. Lumpsum Amount
N/A
AUM (in Cr.)
N/A
Expense Ratio Regular
2.04
Expense Ratio Direct
0.92
Lock-in Period
N/A
Fund Age
N/A
Benchmark
N/A
Fund managers
Mithraem Bharucha
15 years Experience
Nilesh Jethani
9 years Experience

Exit load

• For redemption/switch out Upto 10% of the initial units allotted - within 1 year from the date of allotment: “NIL” • Any redemption/switch out in excess of the above mentioned limit would be subject to an exit load of 1%, if the units are redeemed/ switched out within 1 year from the date of allotment of units. • If the units are redeemed/switched out after 1 year from the date of allotment of units : “Nil”

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