Bank of India Consumption Fund

Sectoral / ThematicEquity SEBI-regulated

NAV (Direct-Growth)

₹11.0600

As of 3 Jul 2026 · AMFI

AUM

₹362.48 Cr

Expense ratio

1.03%

1Y returns

+1.10%

cat -2.03%

3Y CAGR

—

cat 10.83%

5Y CAGR

—

cat 12.81%

Std deviation 3Y

—

cat 16.27%

In plain English

Bank of India Consumption Fund is a Sectoral / Thematic scheme from Bank of India. The portfolio is ~98% in equities. Worst historical drawdown: -15% 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

NAV (Direct-Growth)

₹11.0600

Last 1Y

+1.28%

Jul 25Min ₹9.74 · Max ₹11.48 · 244 ptsJul 26

Drawdown stories

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

Mar 2026 — ongoing

-15.2%

Peak ₹11.48 on 29 Oct 2025 → trough ₹9.74 on 23 Mar 2026 (5 months down).

Not yet recovered

Mar 2025

-12.1%

Peak ₹10.17 on 5 Feb 2025 → trough ₹8.94 on 3 Mar 2025 (1 months down).

Recovered in 2 months· 23 Apr 2025

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
1.03% — above the typical 1% for equity.
AUM size
₹362 Cr.
Sector concentration
Top 3 sectors = 76.8% — 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	+0.38%	+0.57%	15/ 26
1M	+7.06%	+8.97%	26/ 26
3M	+2.61%	+1.13%	8/ 25
6M	-7.42%	-8.66%	8/ 23
YTD	-6.02%	-6.24%	13/ 25
1Y	+6.31%	+0.26%	2/ 21
2Y	—	+4.32%	—
3Y	—	+14.24%	—
5Y	—	+14.40%	—
7Y	—	+12.34%	—
10Y	—	+14.32%	—

Portfolio composition

Asset allocation

Equity97.66%
Debt0.07%
Cash2.27%

By market cap

Large cap50.92%
Mid cap22.74%
Small cap28.51%

Concentration

Holdings

Avg market cap

₹87.4K Cr

Top 10 stocks

51.55%

Top 5 stocks

33.71%

Top 3 sectors

76.75%

Top holdings

Top 15 positions by weight, latest disclosure.

#InstrumentSectorWeight

1
Bharti Airtel Ltd
—9.62%
2
ITC Ltd
—7.09%
3
Britannia Industries Ltd
—7.08%
4
Hero MotoCorp Ltd
—5.24%
5
Mahindra & Mahindra Ltd
—4.68%
6
United Spirits Ltd
—4.08%
7
FSN E-Commerce Ventures Ltd
—3.97%
8
Avenue Supermarts Ltd
—3.51%
9
Aditya Vision Ltd
—3.25%
10
Oberoi Realty Ltd
—3.04%
11
ICICI Lombard General Insurance Co Ltd
—3.02%
12
Maruti Suzuki India Ltd
—3.01%
13
Stylam Industries Ltd
—2.97%
14
Tips Music Ltd
—2.92%
15
Eris Lifesciences Ltd Registered Shs
—2.84%

Fundamentals (vs category)

Portfolio-weighted ratios, compared with the category average.

MetricFundCategory avgDiff

P/E ratio31.1939.03-7.84
P/B ratio6.226.56-0.34
Price / Sales3.233.63-0.40
Price / Cash Flow21.7824.25-2.47
Dividend yield1.57%0.95%+0.62
Return on equity (ROE)24.82%20.04%+4.78

Risk metrics

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

Metric1Y3Y5YCat 1YCat 3YCat 5Y

Standard deviation
Volatility — lower means steadier returns.
———18.1316.2714.90
Sharpe ratio
Risk-adjusted return — higher is better.
-0.27——-0.420.300.48
Sortino ratio
Like Sharpe but only counts downside volatility.
-0.36——-0.550.420.74
Beta
1 = moves with the market. <1 = less volatile.
0.82——0.950.970.91

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

DirectGrowthBank of India Consumption Fund - Direct - GrowthINF761K01GI7
DirectIDCW ReinvestmentBank of India Consumption Fund - Direct - IDCWINF761K01GJ5
RegularGrowthBank of India Consumption Fund - Regular - GrowthINF761K01GL1
RegularIDCW ReinvestmentBank of India Consumption Fund - Regular - IDCWINF761K01GM9

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