Bank of India Consumption Fund
- NAV as on 25 Sep 2026
- ₹10.910.00%1 day
- Return since launch
- 4.9%
- 52-week range
- ₹9.59 — ₹11.45
- AUM
- ₹370 Cr
Bank of India Consumption Fund is a Thematic-Consumption equity fund from Bank of India Mutual Fund with ₹370 Cr under management, launched in 2024. The expense ratio is 2.76% 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 -0.6% against -4.1% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 3.1% | +6.5 pts | -3.4% | -0.8% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -4.2% | −0.3 pts | -3.9% | -3.8% |
| 3M | 3.2% | +0.9 pts | 2.3% | 1.3% |
| 6M | 11.7% | −1.8 pts | 13.5% | 11.2% |
| 1Y | -0.6% | +2.8 pts | -3.4% | -4.1% |
Since launch (29 Nov 2024): 4.9%
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
2.72%
Expense ratio as on 25 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 2.10%
- Brokerage
- 0.08%
- Transaction charges
- 0.00%
- 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 31 Aug 2026
Asset allocation
- Equity97.8%
- Debt0.1%
- Other2.1%
Market cap split
- Large44.8%
- Mid28.9%
- Small26.3%
- P/E
- 33.27
- P/B
- 6.16
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Bharti Airtel Ltd. | Communication | 9.37% | ₹34.65 Cr | +9.65% | +9.19% | +9.15% |
| ITC Ltd. | Consumer Staples | 8.05% | ₹29.77 Cr | +7.68% | +7.00% | +9.30% |
| Britannia Industries Ltd. | Consumer Staples | 6.59% | ₹24.36 Cr | +6.47% | +7.10% | +6.83% |
| Dixon Technologies (India) Ltd. | Capital Goods | 5.09% | ₹18.83 Cr | +3.41% | — | +0.95% |
| Mahindra & Mahindra Ltd. | Automobile | 4.85% | ₹17.94 Cr | +4.59% | +4.46% | +4.66% |
| United Spirits Ltd. | Consumer Staples | 4.65% | ₹17.19 Cr | +4.04% | +4.19% | — |
| Maruti Suzuki India Ltd. | Automobile | 4.35% | ₹16.07 Cr | +3.06% | +2.02% | +0.69% |
| FSN E-Commerce Ventures Ltd. | Services | 4.28% | ₹15.83 Cr | +3.90% | +4.06% | +3.90% |
| Entero Healthcare Solutions Ltd. | Healthcare | 4.03% | ₹14.91 Cr | +2.12% | — | — |
| PB Fintech Ltd. | Services | 2.86% | ₹10.58 Cr | +2.65% | +1.97% | +2.58% |
| Tips Industries Ltd. | Services | 2.81% | ₹10.40 Cr | +3.00% | +2.89% | +2.78% |
| Eternal Ltd. | Services | 2.70% | ₹9.97 Cr | +2.10% | +1.19% | +1.63% |
| Eris Lifesciences Ltd. | Healthcare | 2.65% | ₹9.79 Cr | +2.91% | +2.69% | +2.90% |
| Bharti Hexacom Ltd. | Communication | 2.38% | ₹8.80 Cr | +2.35% | +2.40% | — |
| Endurance Technologies Ltd. | Automobile | 2.19% | ₹8.11 Cr | +2.43% | — | — |
| Apollo Hospitals Enterprise Ltd. | Healthcare | 2.16% | ₹8.00 Cr | +2.97% | +3.70% | +4.72% |
| Others | Others | 2.15% | ₹7.93 Cr | +0.02% | +0.10% | -0.12% |
| Stylam Industries Ltd. | Materials | 2.15% | ₹7.97 Cr | +3.70% | +3.09% | — |
| Emami Ltd. | Consumer Staples | 2.12% | ₹7.84 Cr | +2.37% | +2.62% | +2.67% |
| Godfrey Phillips India Ltd. | Consumer Staples | 2.06% | ₹7.61 Cr | +2.01% | +1.09% | — |
| Aditya Vision Ltd. | Services | 1.87% | ₹6.91 Cr | +2.95% | +2.97% | +2.97% |
| NTPC Ltd. | Energy | 1.87% | ₹6.90 Cr | +1.97% | +1.38% | — |
| Hindustan Unilever Ltd. | Consumer Staples | 1.81% | ₹6.70 Cr | +2.02% | +2.09% | +2.36% |
| company:20813 | Consumer Discretionary | 1.73% | ₹6.42 Cr | — | — | — |
| Sky Gold And Diamonds Ltd. | Consumer Discretionary | 1.68% | ₹6.22 Cr | +2.59% | +1.71% | +1.49% |
| SJS Enterprises Ltd. | Automobile | 1.64% | ₹6.06 Cr | +2.96% | +1.83% | +2.74% |
| Bayer CropScience Ltd. | Chemicals | 1.59% | ₹5.87 Cr | +1.84% | +1.73% | +1.79% |
| Abbott India Ltd. | Healthcare | 1.55% | ₹5.74 Cr | +1.65% | +0.52% | — |
| One97 Communications Ltd. | Services | 1.52% | ₹5.61 Cr | — | — | — |
| MRF Ltd. | Automobile | 1.24% | ₹4.60 Cr | +1.17% | +1.00% | — |
| Knack Packaging Ltd. | Materials | 1.15% | ₹4.24 Cr | — | — | — |
| Balrampur Chini Mills Ltd. | Consumer Staples | 1.13% | ₹4.16 Cr | +1.07% | +1.12% | +1.26% |
| Senco Gold Ltd. | Consumer Discretionary | 1.12% | ₹4.13 Cr | +1.43% | +1.67% | +2.87% |
| Titan Company Ltd. | Consumer Discretionary | 1.04% | ₹3.86 Cr | +0.56% | +0.42% | — |
| SBI Life Insurance Company Ltd. | Insurance | 0.98% | ₹3.64 Cr | — | — | — |
| Mankind Pharma Ltd. | Healthcare | 0.46% | ₹1.72 Cr | — | — | — |
| Reserve Bank of India | Financial | 0.07% | ₹0.25 Cr | +0.07% | +0.06% | +0.03% |
| Avenue Supermarts Ltd. | Services | 0.06% | ₹0.23 Cr | +0.07% | +3.10% | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| company:20813 | 0.00% | 1.73% | +1.73% |
| Entero Healthcare Solutions Ltd. | 2.75% | 4.03% | +1.28% |
| Hero Motocorp Ltd. | 1.09% | 0.00% | -1.09% |
| One97 Communications Ltd. | 0.48% | 1.52% | +1.04% |
| Stylam Industries Ltd. | 2.99% | 2.15% | -0.84% |
| Bharti Airtel Ltd. | 10.10% | 9.37% | -0.73% |
| ITC Ltd. | 8.77% | 8.05% | -0.72% |
| PB Fintech Ltd. | 2.42% | 2.86% | +0.44% |
| Titan Company Ltd. | 0.65% | 1.04% | +0.39% |
| Endurance Technologies Ltd. | 2.57% | 2.19% | -0.38% |
| Dixon Technologies (India) Ltd. | 4.77% | 5.09% | +0.32% |
| Knack Packaging Ltd. | 0.90% | 1.15% | +0.25% |
| Eternal Ltd. | 2.46% | 2.70% | +0.24% |
| FSN E-Commerce Ventures Ltd. | 4.05% | 4.28% | +0.23% |
| Others | 0.16% | -0.03% | -0.19% |
| Balrampur Chini Mills Ltd. | 0.94% | 1.13% | +0.19% |
| Emami Ltd. | 2.30% | 2.12% | -0.18% |
| Maruti Suzuki India Ltd. | 4.52% | 4.35% | -0.17% |
| Britannia Industries Ltd. | 6.73% | 6.59% | -0.14% |
| Mahindra & Mahindra Ltd. | 4.98% | 4.85% | -0.13% |
| Abbott India Ltd. | 1.66% | 1.55% | -0.11% |
| Hindustan Unilever Ltd. | 1.92% | 1.81% | -0.11% |
| Aditya Vision Ltd. | 1.97% | 1.87% | -0.10% |
| Senco Gold Ltd. | 1.22% | 1.12% | -0.10% |
| Eris Lifesciences Ltd. | 2.74% | 2.65% | -0.09% |
| Bayer CropScience Ltd. | 1.68% | 1.59% | -0.09% |
| NTPC Ltd. | 1.96% | 1.87% | -0.09% |
| SBI Life Insurance Company Ltd. | 1.06% | 0.98% | -0.08% |
| Sky Gold And Diamonds Ltd. | 1.76% | 1.68% | -0.08% |
| Tips Industries Ltd. | 2.89% | 2.81% | -0.08% |
| SJS Enterprises Ltd. | 1.56% | 1.64% | +0.08% |
| Bharti Hexacom Ltd. | 2.45% | 2.38% | -0.07% |
| United Spirits Ltd. | 4.69% | 4.65% | -0.04% |
| MRF Ltd. | 1.22% | 1.24% | +0.02% |
| Mankind Pharma Ltd. | 0.47% | 0.46% | -0.01% |
| Godfrey Phillips India Ltd. | 2.07% | 2.06% | -0.01% |
| Apollo Hospitals Enterprise Ltd. | 2.16% | 2.16% | 0.00% |
| Avenue Supermarts Ltd. | 0.06% | 0.06% | 0.00% |
| 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 | ₹2,494 Cr | 2.19% | 3.8% | 4.8% | 10.2% |
 Mirae Asset Great Consumer Fund | ₹4,742 Cr | 2.05% | 0.2% | 3.0% | 9.3% |
 Tata India Consumer Fund | ₹2,901 Cr | 2.11% | 11.3% | 8.4% | 13.0% |
 Canara Robeco Consumption Fund | ₹1,987 Cr | 2.17% | -2.5% | 2.0% | 8.3% |
 HSBC Consumption Fund | ₹1,817 Cr | 2.19% | 11.9% | 8.8% | — |
 HDFC Consumption Fund | ₹1,022 Cr | 2.42% | -2.1% | 1.7% | — |
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 months11.67% absolute | ₹60,000 | ₹67,002 | 11.67% | |
| 1 year−0.64% annualised | ₹1,20,000 | ₹1,19,585 | −0.35% |
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.