Bank of India Consumption Fund
- NAV as on 6 Nov 2026
- ₹11.16+0.81%1 day
- Return since launch
- 5.9%
- 52-week range
- ₹9.59 — ₹11.45
- AUM
- ₹346 Cr
Bank of India Consumption Fund is a Thematic-Consumption equity fund from Bank of India Mutual Fund with ₹346 Cr under management, launched in 2024. The expense ratio is 2.73% and the SEBI riskometer reading is Very High.
Performance
Bank of India Consumption Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned 0.0% against -3.0% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 7.9% | +8.5 pts | -0.7% | 4.9% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 4.7% | −0.8 pts | 5.5% | 6.4% |
| 3M | -1.5% | 0.0 pts | -1.5% | -2.8% |
| 6M | 4.9% | +0.1 pts | 4.8% | 4.5% |
| 1Y | 0.0% | +0.7 pts | -0.7% | -2.8% |
Since launch (29 Nov 2024): 5.9%
Calendar-year returns
Category averageShow as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 11.3% | +9.2 pts | 2.0% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
2.73%
Expense ratio as on 6 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 2.10%
- Brokerage
- 0.08%
- Transaction charges
- 0.01%
- Statutory levies
- 0.54%
- Exit load
- Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months.
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- NIFTY India Consumption TRI
- Short-term capital gains
- Returns taxed at 20% if you redeem before 1 year
- Long-term capital gains
- After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Your principal is treated as being at very high risk — typically small cap, sectoral and thematic equity schemes.
Portfolio
Bank of India Consumption Fund portfolio
Portfolio as of 30 Sep 2026
Asset allocation
- Equity94.3%
- Debt0.1%
- Other5.7%
Market cap split
- Large46.4%
- Mid24.8%
- Small28.8%
- P/E
- 29.94
- P/B
- 5.53
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Bharti Airtel Ltd. | Communication | 9.71% | ₹33.60 Cr | +9.82% | +9.62% | +8.85% |
| ITC Ltd. | Consumer Staples | 8.85% | ₹30.61 Cr | +7.71% | +7.09% | +8.86% |
| Britannia Industries Ltd. | Consumer Staples | 6.48% | ₹22.41 Cr | +6.42% | +7.08% | +6.82% |
| Others | Others | 5.67% | ₹19.72 Cr | +4.20% | +4.48% | +0.60% |
| Maruti Suzuki India Ltd. | Automobile | 5.30% | ₹18.35 Cr | +3.30% | +3.01% | +1.49% |
| Mahindra & Mahindra Ltd. | Automobile | 4.66% | ₹16.12 Cr | +4.65% | +4.68% | +4.85% |
| United Spirits Ltd. | Consumer Staples | 4.52% | ₹15.63 Cr | +4.32% | +4.08% | +2.92% |
| Dixon Technologies (India) Ltd. | Capital Goods | 3.82% | ₹13.20 Cr | +3.74% | — | +0.91% |
| Tips Industries Ltd. | Services | 3.07% | ₹10.62 Cr | +2.66% | +2.92% | +2.93% |
| FSN E-Commerce Ventures Ltd. | Services | 2.93% | ₹10.12 Cr | +3.96% | +3.97% | +3.82% |
| Entero Healthcare Solutions Ltd. | Healthcare | 2.90% | ₹10.04 Cr | +2.42% | — | — |
| Eternal Ltd. | Services | 2.81% | ₹9.73 Cr | +2.23% | +2.02% | +1.84% |
| Eris Lifesciences Ltd. | Healthcare | 2.60% | ₹9.00 Cr | +3.00% | +2.84% | +2.72% |
| Lalithaa Jewellery Mart Ltd. | Consumer Discretionary | 2.43% | ₹8.40 Cr | — | — | — |
| Stylam Industries Ltd. | Materials | 2.43% | ₹8.42 Cr | +3.22% | +2.97% | — |
| Emami Ltd. | Consumer Staples | 2.36% | ₹8.16 Cr | +2.41% | +2.46% | +2.44% |
| Bharti Hexacom Ltd. | Communication | 2.34% | ₹8.11 Cr | +2.34% | +2.49% | — |
| Aditya Vision Ltd. | Services | 2.32% | ₹8.01 Cr | +2.88% | +3.25% | +3.04% |
| Endurance Technologies Ltd. | Automobile | 2.17% | ₹7.50 Cr | +2.40% | — | — |
| SJS Enterprises Ltd. | Automobile | 2.04% | ₹7.05 Cr | +2.46% | +1.78% | +2.39% |
| Godfrey Phillips India Ltd. | Consumer Staples | 1.98% | ₹6.84 Cr | +1.92% | +1.07% | — |
| NTPC Ltd. | Energy | 1.97% | ₹6.81 Cr | +1.82% | +1.98% | — |
| Hindustan Unilever Ltd. | Consumer Staples | 1.85% | ₹6.40 Cr | +2.00% | +2.03% | +2.17% |
| Abbott India Ltd. | Healthcare | 1.74% | ₹6.03 Cr | +1.57% | +0.89% | — |
| One 97 Communications Ltd. | Services | 1.59% | ₹5.49 Cr | — | — | — |
| Bayer CropScience Ltd. | Chemicals | 1.55% | ₹5.36 Cr | +1.70% | +1.90% | +1.60% |
| MRF Ltd. | Automobile | 1.25% | ₹4.31 Cr | +1.22% | +1.01% | — |
| Knack Packaging Ltd. | Materials | 1.16% | ₹4.00 Cr | — | — | — |
| Balrampur Chini Mills Ltd. | Consumer Staples | 1.15% | ₹3.98 Cr | +1.15% | +1.08% | +1.04% |
| Senco Gold Ltd. | Consumer Discretionary | 1.10% | ₹3.81 Cr | +1.03% | +1.62% | +2.59% |
| SBI Life Insurance Company Ltd. | Insurance | 1.03% | ₹3.55 Cr | — | — | — |
| Titan Company Ltd. | Consumer Discretionary | 1.00% | ₹3.47 Cr | +0.61% | +0.57% | — |
| Bosch Home Comfort India Ltd. | Consumer Discretionary | 0.68% | ₹2.34 Cr | — | — | — |
| Optiemus Infracom Ltd. | Services | 0.67% | ₹2.30 Cr | — | — | — |
| Sky Gold And Diamonds Ltd. | Consumer Discretionary | 0.66% | ₹2.28 Cr | +2.66% | +1.66% | +1.32% |
| PB Fintech Ltd. | Services | 0.56% | ₹1.95 Cr | +2.55% | +2.10% | +2.41% |
| Mankind Pharma Ltd. | Healthcare | 0.51% | ₹1.77 Cr | — | — | — |
| Avenue Supermarts Ltd. | Services | 0.07% | ₹0.23 Cr | +0.07% | +3.51% | — |
| Reserve Bank of India | Financial | 0.07% | ₹0.25 Cr | +0.07% | +0.07% | +0.03% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| PB Fintech Ltd. | 2.86% | 0.56% | -2.30% |
| Apollo Hospitals Enterprise Ltd. | 2.16% | 0.00% | -2.16% |
| Others | -0.03% | 2.01% | +2.04% |
| FSN E-Commerce Ventures Ltd. | 4.28% | 2.93% | -1.35% |
| Dixon Technologies (India) Ltd. | 5.09% | 3.82% | -1.27% |
| Entero Healthcare Solutions Ltd. | 4.03% | 2.90% | -1.13% |
| Sky Gold And Diamonds Ltd. | 1.68% | 0.66% | -1.02% |
| Maruti Suzuki India Ltd. | 4.35% | 5.30% | +0.95% |
| ITC Ltd. | 8.05% | 8.85% | +0.80% |
| Lalithaa Jewellery Mart Ltd. | 1.73% | 2.43% | +0.70% |
| Bosch Home Comfort India Ltd. | 0.00% | 0.68% | +0.68% |
| Optiemus Infracom Ltd. | 0.00% | 0.67% | +0.67% |
| Aditya Vision Ltd. | 1.87% | 2.32% | +0.45% |
| SJS Enterprises Ltd. | 1.64% | 2.04% | +0.40% |
| Bharti Airtel Ltd. | 9.37% | 9.71% | +0.34% |
| Stylam Industries Ltd. | 2.15% | 2.43% | +0.28% |
| Tips Industries Ltd. | 2.81% | 3.07% | +0.26% |
| Emami Ltd. | 2.12% | 2.36% | +0.24% |
| Abbott India Ltd. | 1.55% | 1.74% | +0.19% |
| Mahindra & Mahindra Ltd. | 4.85% | 4.66% | -0.19% |
| United Spirits Ltd. | 4.65% | 4.52% | -0.13% |
| Eternal Ltd. | 2.70% | 2.81% | +0.11% |
| Britannia Industries Ltd. | 6.59% | 6.48% | -0.11% |
| NTPC Ltd. | 1.87% | 1.97% | +0.10% |
| Godfrey Phillips India Ltd. | 2.06% | 1.98% | -0.08% |
| One 97 Communications Ltd. | 1.52% | 1.59% | +0.07% |
| SBI Life Insurance Company Ltd. | 0.98% | 1.03% | +0.05% |
| Mankind Pharma Ltd. | 0.46% | 0.51% | +0.05% |
| Eris Lifesciences Ltd. | 2.65% | 2.60% | -0.05% |
| Bayer CropScience Ltd. | 1.59% | 1.55% | -0.04% |
| Bharti Hexacom Ltd. | 2.38% | 2.34% | -0.04% |
| Hindustan Unilever Ltd. | 1.81% | 1.85% | +0.04% |
| Titan Company Ltd. | 1.04% | 1.00% | -0.04% |
| Balrampur Chini Mills Ltd. | 1.13% | 1.15% | +0.02% |
| Endurance Technologies Ltd. | 2.19% | 2.17% | -0.02% |
| Senco Gold Ltd. | 1.12% | 1.10% | -0.02% |
| Avenue Supermarts Ltd. | 0.06% | 0.07% | +0.01% |
| Knack Packaging Ltd. | 1.15% | 1.16% | +0.01% |
| MRF Ltd. | 1.24% | 1.25% | +0.01% |
| Reserve Bank of India | 0.07% | 0.07% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹2,285 Cr | 2.19% | 9.7% | 5.8% | 10.2% |
 Mirae Asset Great Consumer Fund | ₹4,455 Cr | 2.06% | 8.3% | 4.4% | 10.0% |
 Tata India Consumer Fund | ₹2,723 Cr | 2.12% | 14.7% | 8.5% | 12.9% |
 Canara Robeco Consumption Fund | ₹1,872 Cr | 2.15% | 8.4% | 4.5% | 9.6% |
 HSBC Consumption Fund | ₹1,698 Cr | 2.19% | 11.7% | 7.7% | — |
 UTI India Consumer Fund | ₹678 Cr | 2.43% | 5.6% | 3.8% | 8.1% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to provide long term capital appreciation from an actively managed portfolio of equity and equity related securities of companies engaged in consumption and consumption related sector or allied sectors.
Fund managers
- Nitin GosarMr. Gosar holds a Masterâs degree in Finance from ICFAI.Prior to joining Bank of India Mutual Fund, he was working with Invesco Mutual Fund, IFCI Financial Services Ltd. (I-Fin) as Research Analyst. He has also worked Batlivala & Karani Securities, SKP Securities and NDA Securities.
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months4.89% absolute | ₹60,000 | ₹62,934 | 4.89% | |
| 1 year0.00% annualised | ₹1,20,000 | ₹1,20,000 | 0.00% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.