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InvestVerdict

Bank of India Multi Asset Allocation Fund

Regular Plan · IDCW · Multi Asset Allocation · Scheme code 152395

NAV₹12.0639as on 30 Oct 2026
Fund houseBank of India Mutual Fund
CategoryMulti Asset Allocation
Plan & optionRegular · IDCW
History2.5 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme 3.865.185.24 15.51—— ——11.19
Nifty 100
benchmark		 0.253.49-1.52 1.8410.529.38 ——12.79
Multi Asset Allocation
category median		 ——— -0.8211.398.92 —9.80—

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 8.3% 0.56 0.83 0.48 5.29% -9.6% 70.89
Nifty 100
benchmark		 14.4%0.28 0.40—— -37.0%—

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the 29 months this scheme and its benchmark share.

Growth of ₹100 since launch

961081211332026InvestVerdict

Drawdown from peak (%)

0%-4%-7%-11%2026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
362 1.9% 8.1% 22.0% 0%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

How it behaves against its benchmark

Up captureDown captureCorrelation Tracking errorInformation ratioTreynor
66% 21% 0.84 8.8% 0.68 9.75

Up capture is how much of the benchmark's gain this scheme kept in the months the benchmark rose; down capture, how much of its fall it took. Below 100 on the down side and above it on the up side is the combination every fund is trying for and few reach. Measured over the 29 months this scheme and Nifty 100 share.

InvestVerdict

Bank of India Multi Asset Allocation Fund

Regular Plan · IDCW

Allocation

By asset

Equity56.00%
Debt20.84%
Gold15.21%
Cash & Equivalents4.98%
Silver2.97%

By market cap

Large Cap28.60%
Mid Cap4.84%
Small Cap22.56%
Unclassified39.02%

Concentration

Number of stocks64
Top 5 stocks26.73%
Top 10 stocks41.55%
Top 20 stocks60.02%
Lines in the filing66
Largest holding6.64%
Largest sectorUnclassified 18.18%
Effective stocks38.3
Sectors held33
Cash4.98%

Effective stocks is what the concentration works out to: a fund holding 64 names but most of its money in a few behaves like a fund of 38. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

Unclassified — 18.2%CRISIL AAA — 11.8%Banks — 11.1%Capital Markets — 5.6%Cash & Equivalents — 4.8%SOVEREIGN — 4.5%Finance — 4.0%Telecom - Equipment & Accessories — 3.8%CRISIL AA+ — 3.2%Other — 33.0%Unclassified18.2%CRISIL AAA11.8%Banks11.1%Capital Markets5.6%Cash & Equivalents4.8%SOVEREIGN4.5%Finance4.0%Telecom - Equipment & Acc…3.8%CRISIL AA+3.2%Other33.0%
Unclassified18.18%
CRISIL AAA11.79%
Banks11.07%
Capital Markets5.59%
Cash & Equivalents4.78%
SOVEREIGN4.48%
Finance4.03%
Telecom - Equipment & Accessories3.82%
CRISIL AA+3.23%
Electrical Equipment3.11%
Consumer Durables2.42%
Non - Ferrous Metals2.26%
Retailing2.24%
Industrial Products2.11%
IT - Software2.04%
Agricultural Food & other Products1.68%
Automobiles1.45%
ICRA AA+1.34%
Engineering Services1.24%
Textiles & Apparels1.22%
InvestVerdict

Bank of India Multi Asset Allocation Fund

Regular Plan · IDCW · holdings

Top 30 holdings

#CompanySectorShares held Value
₹ cr		% of fund
1 7.44% Indian Railway Finance Corporation Limited (28/02/2034) CRISIL AAA 2,500,000 25 6.64%
2 DSP Gold ETF Unclassified 15,500,000 22 6.00%
3 ICICI Prudential Gold ETF Unclassified 1,706,089 22 5.83%
4 8.1167% Bajaj Finance Limited (10/05/2027) CRISIL AAA 1,800,000 18 4.88%
5 Net Receivables / (Payables) Unclassified — 17 4.78%
6 Nippon India ETF Gold Bees Unclassified 1,025,008 12 3.38%
7 6.48% Government of India (06/10/2035) SOVEREIGN 1,220,000 12 3.16%
8 State Bank of India Banks 120,117 12 3.12%
9 ICICI Prudential Silver ETF Unclassified 500,000 11 2.97%
10 Sterlite Technologies Limited Telecom - Equipment & Accessories 116,800 11 2.88%
11 8.05% Muthoot Finance Limited (25/11/2027) CRISIL AA+ 1,000,000 10 2.69%
12 Bank of Baroda Banks 403,500 9 2.52%
13 Quality Power Electrical Eqp Ltd Electrical Equipment 55,000 9 2.36%
14 ICICI Bank Limited Banks 62,835 8 2.25%
15 HDFC Bank Limited Banks 115,000 8 2.21%
16 Entero Healthcare Solutions Ltd Retailing 37,590 6 1.74%
17 Shriram Finance Limited Finance 65,000 6 1.73%
18 CreditAccess Grameen Limited Finance 47,250 6 1.63%
19 Tech Mahindra Limited IT - Software 33,000 5 1.36%
20 7.6% Torrent Pharmaceuticals Limited (19/01/2029) ICRA AA+ 500,000 5 1.34%
21 Vedanta Aluminium Metal Limited Non - Ferrous Metals 118,609 5 1.33%
22 Titan Company Limited Consumer Durables 10,579 5 1.32%
23 HDFC Asset Management Company Limited Capital Markets 21,000 5 1.30%
24 Knowledge Marine & Engineering Works Limited Engineering Services 15,000 5 1.24%
25 Sanathan Textiles Limited Textiles & Apparels 88,500 5 1.22%
26 Tata Technologies Limited IT - Services 63,100 4 1.21%
27 Tata Motors Ltd Agricultural, Commercial & Construction Vehicles 105,000 4 1.20%
28 Balrampur Chini Mills Limited Agricultural Food & other Products 65,000 4 1.17%
29 UltraTech Cement Limited Cement & Cement Products 3,845 4 1.14%
30 KRN Heat Exchanger And Refrigeration Limited Industrial Products 28,867 4 1.12%
InvestVerdict

Bank of India Multi Asset Allocation Fund

Regular Plan · IDCW · where the money sits

What the manager did last month

Between the filings of 30 Jun 2026 and 31 Jul 2026. A position grows because the manager bought or because the price rose; only the share count separates them.

BoughtSoldNew positionsSold out ofPrice move of holdings
₹34 cr ₹7 cr 4 9 +1.93%
StockShares tradedShares PriceValue
₹ cr
New position
Tata Technologies Limited 63,100 entered — 4.7
Canara Bank 300,000 entered — 3.8
Knowledge Marine & Engineering Works Limited 15,000 entered — 3.7
Mankind Pharma Limited 14,600 entered — 3.6
Added to
Sterlite Technologies Limited 85,800 +276.8% -9.2% 4.8
HDFC Bank Limited 52,000 +82.5% -6.2% 3.9
Shriram Finance Limited 33,000 +150.0% +0.4% 3.5
Tech Mahindra Limited 16,600 +101.2% +17.6% 2.7
FIEM Industries Limited 11,400 +64.8% +2.7% 2.7
Mahindra & Mahindra Limited 7,300 +66.4% +10.7% 2.5
Coforge Limited 14,400 +84.7% +17.4% 2.5
CreditAccess Grameen Limited 11,699 +32.9% +6.9% 1.9
Trimmed
Sky Gold And Diamonds Limited 75,100 -64.2% +20.9% 4.8
Tata Steel Limited 125,000 -50.0% +0.9% 2.4
Sold out of
Dr. Reddy's Laboratories Limited 40,000 exited — 5.4
Acutaas Chemicals Limited 8,500 exited — 3.0
Kotak Mahindra Bank Limited 62,000 exited — 2.4
Vedanta Limited 59,600 exited — 1.7
Indian Bank 20,000 exited — 1.6
ITC Limited 42,063 exited — 1.2
Vedanta Power Ltd 59,600 exited — 0.2
Vedanta Iron And Steel Limited 59,600 exited — 0.2
Not equityPrevious filingThis filingChange
Cash, repo and TREPS ₹0 cr ₹0 cr +₹0 cr
Debt: bills, CDs and commercial paper ₹145 cr ₹115 cr −₹30 cr

The list above is stocks and fund units. Treasury bills, repo and money-market lines roll over every month by design — they are not decisions, so they are totalled here rather than listed as activity.

Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 31 Oct 2026.