Bank of India Banking & Financial Services Fund

Sectoral / ThematicEquity SEBI-regulated

NAV (Direct-Growth)

₹10.0800

As of 3 Jul 2026 · AMFI

AUM

₹251.13 Cr

Expense ratio

1.13%

1Y returns

—

cat 8.93%

3Y CAGR

—

cat 14.53%

5Y CAGR

—

cat 14.58%

Std deviation 3Y

—

cat 16.46%

In plain English

Bank of India Banking & Financial Services Fund is a Sectoral / Thematic scheme from Bank of India. The portfolio is ~89% in equities with 11% kept in cash and short-term debt. Worst historical drawdown: -14% in Mar 2026 — ongoing. Wrong fit if you need this money in less than 7 years.

Auto-generated from holdings, returns and risk data. No paid placement, no copy-pasted boilerplate.

NAV history

Showing Direct · Growth · INF761K01HE4

NAV (Direct-Growth)

₹10.0800

Last 1Y

+0.70%

Feb 26Min ₹8.81 · Max ₹10.28 · 102 ptsJul 26

Drawdown stories

The crashes you should know about — and how long the fund took to recover.

Mar 2026 — ongoing

-14.3%

Peak ₹10.28 on 26 Feb 2026 → trough ₹8.81 on 30 Mar 2026 (1 months down).

Not yet recovered

Computed from the full NAV history. We show drawdowns deeper than 10%, sorted by depth.

Honesty score

A 1–5 grade on the dimensions other sites won't surface — expense bloat, AUM bloat, concentration, mandate compliance.

Honesty score

3 / 5

Watch a few items. Read the signal detail before investing.

Expense ratio
1.13% — above the typical 1% for equity.
AUM size
₹251 Cr.
Sector concentration
Top 3 sectors = 88.7% — heavy concentration risk.

Computed from expense ratio, AUM, sector concentration and SEBI mandate compliance. No paid review.

Performance

Returns for various periods, with category average and peer rank.

Period	Returns	Category avg	Rank
1W	-1.31%	-0.80%	25/ 28
1M	+7.91%	+7.94%	20/ 28
3M	—	-2.83%	—
6M	—	-1.25%	—
YTD	—	-3.52%	—
1Y	—	+8.93%	—
2Y	—	+9.70%	—
3Y	—	+14.53%	—
5Y	—	+14.58%	—
7Y	—	+10.18%	—
10Y	—	+13.89%	—

Portfolio composition

Asset allocation

Equity88.67%
Cash11.33%

By market cap

Large cap63.59%
Mid cap16.65%
Others19.76%

Concentration

Holdings

Avg market cap

₹2.20 L Cr

Top 10 stocks

58.98%

Top 5 stocks

42.02%

Top 3 sectors

88.67%

Top holdings

Top 15 positions by weight, latest disclosure.

#InstrumentSectorWeight

1
ICICI Bank Ltd
—9.58%
2
Net Receivables / (Payables)
—9.30%
3
State Bank of India
—8.89%
4
Axis Bank Ltd
—8.56%
5
HDFC Bank Ltd
—8.54%
6
Kotak Mahindra Bank Ltd
—6.46%
7
Shriram Finance Ltd
—4.40%
8
Bajaj Finance Ltd
—4.21%
9
SBI Life Insurance Co Ltd
—2.87%
10
City Union Bank Ltd
—2.82%
11
Indian Bank
—2.66%
12
Sundaram Finance Ltd
—2.63%
13
Computer Age Management Services Ltd Ordinary Shares
—2.49%
14
Power Finance Corp Ltd
—2.43%
15
Max Financial Services Ltd
—2.23%

Fundamentals (vs category)

Portfolio-weighted ratios, compared with the category average.

MetricFundCategory avgDiff

P/E ratio15.7116.73-1.02
P/B ratio2.172.12+0.05
Price / Sales3.673.47+0.20
Price / Cash Flow—0.00—
Dividend yield1.25%1.04%+0.21
Return on equity (ROE)13.92%13.74%+0.18

Risk metrics

Standard deviation, Sharpe, Sortino, Beta — all vs category average.

Metric1Y3Y5YCat 1YCat 3YCat 5Y

Standard deviation
Volatility — lower means steadier returns.
———20.8116.4617.03
Sharpe ratio
Risk-adjusted return — higher is better.
———-0.140.380.37
Sortino ratio
Like Sharpe but only counts downside volatility.
———-0.140.550.58
Beta
1 = moves with the market. <1 = less volatile.
———1.070.980.98

Peers in Sectoral / Thematic

Other schemes in the same SEBI category, ranked by AUM.

Peer fundAUM1Y3Y CAGRExpense

Peers in same SEBI category, ranked by AUM. Compare any →

Available plans & options

PlanOptionFull nameISIN

Click a plan to see its NAV and chart above. Direct plans have lower expense ratios than Regular — same portfolio, more of the return stays with you.

NEW

See your SIP through Indian market history

Pick a fund and a start year — get a 60-second cinematic replay of every crash, boom, and headline with your money in it. Real NAV data, no “assumed 12%” lies.

Try Wealth Time Machine

AI · Free

Find what's really inside your funds

Upload your CAS PDF — get instant stock concentration, hidden fund overlap, sector risk, and 3 specific actions, written by AI in plain English.

Run Portfolio X-Ray