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InvestVerdict

Bank of India Consumption Fund

Direct Plan · Growth · Sectoral / Thematic · Scheme code 153139

NAV₹10.6900as on 28 Oct 2026
Fund houseBank of India Mutual Fund
CategorySectoral / Thematic
Plan & optionDirect · Growth
History1.7 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme 1.149.278.86 5.00—— ——8.84
Nifty 500
benchmark		 0.874.312.15 5.2012.4911.41 ——15.49
Sectoral / Thematic
category median		 ——— -5.6313.0410.23 —13.74—

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

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 16.6% 0.14 0.19 0.90 4.60% -15.2% 84.13
Nifty 500
benchmark		 15.2%0.39 0.58—— -37.3%—

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the 20 months this scheme and its benchmark share.

Growth of ₹100 since launch

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Drawdown from peak (%)

0%-6%-11%-17%2026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
169 -3.3% 5.7% 16.8% 5%

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
108% 86% 0.92 6.8% 0.71 2.66

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 20 months this scheme and Nifty 500 share.

InvestVerdict

Bank of India Consumption Fund

Direct Plan · Growth

Allocation

By asset

Equity94.26%
Cash & Equivalents5.67%
Debt0.07%

By market cap

Large Cap43.73%
Mid Cap23.41%
Small Cap23.53%
Unclassified3.66%

Concentration

Number of stocks38
Top 5 stocks35.00%
Top 10 stocks52.24%
Top 20 stocks75.72%
Lines in the filing40
Largest holding9.71%
Largest sectorConsumer Durables 12.12%
Effective stocks24.6
Sectors held20
Cash5.67%

Effective stocks is what the concentration works out to: a fund holding 38 names but most of its money in a few behaves like a fund of 25. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

Consumer Durables — 12.1%Telecom - Services — 12.1%Retailing — 11.0%Diversified FMCG — 10.7%Automobiles — 10.0%Food Products — 6.5%Auto Components — 5.5%Pharmaceuticals & Biotechnology — 4.9%Beverages — 4.5%Other — 22.8%Consumer Durables12.1%Telecom - Services12.1%Retailing11.0%Diversified FMCG10.7%Automobiles10.0%Food Products6.5%Auto Components5.5%Pharmaceuticals & Biotech…4.9%Beverages4.5%Other22.8%
Consumer Durables12.12%
Telecom - Services12.05%
Retailing11.03%
Diversified FMCG10.70%
Automobiles9.96%
Food Products6.48%
Auto Components5.46%
Pharmaceuticals & Biotechnology4.85%
Beverages4.52%
3.66%
Entertainment3.07%
Personal Products2.36%
Financial Technology (Fintech)2.15%
Cash & Equivalents2.01%
Cigarettes & Tobacco Products1.98%
Power1.97%
Fertilizers & Agrochemicals1.55%
Industrial Products1.16%
Agricultural Food & other Products1.15%
Insurance1.03%
InvestVerdict

Bank of India Consumption Fund

Direct Plan · Growth · holdings

Top 30 holdings

#CompanySectorShares held Value
₹ cr		% of fund
1 Bharti Airtel Limited Telecom - Services 191,230 34 9.71%
2 ITC Limited Diversified FMCG 1,165,104 31 8.85%
3 Britannia Industries Limited Food Products 46,399 22 6.48%
4 Maruti Suzuki India Limited Automobiles 15,333 18 5.30%
5 Mahindra & Mahindra Limited Automobiles 54,647 16 4.66%
6 United Spirits Limited Beverages 115,400 16 4.52%
7 Dixon Technologies (India) Limited Consumer Durables 10,079 13 3.82%
8 TREPS — 13 3.66%
9 Tips Music Limited Entertainment 161,457 11 3.07%
10 FSN E-Commerce Ventures Limited Retailing 316,321 10 2.93%
11 Entero Healthcare Solutions Ltd Retailing 58,729 10 2.90%
12 Eternal Limited Retailing 303,910 10 2.81%
13 Eris Lifesciences Limited Pharmaceuticals & Biotechnology 75,496 9 2.60%
14 Lalithaa Jewellery Mart Ltd Consumer Durables 220,000 8 2.43%
15 Stylam Industries Limited Consumer Durables 25,435 8 2.43%
16 Emami Limited Personal Products 215,335 8 2.36%
17 Bharti Hexacom Limited Telecom - Services 56,938 8 2.34%
18 Aditya Vision Ltd Retailing 134,800 8 2.32%
19 Endurance Technologies Limited Auto Components 28,236 8 2.17%
20 S.J.S. Enterprises Limited Auto Components 31,223 7 2.04%
21 Net Receivables / (Payables) Unclassified — 7 2.01%
22 Godfrey Phillips India Limited Cigarettes & Tobacco Products 36,166 7 1.98%
23 NTPC Limited Power 210,845 7 1.97%
24 Hindustan Unilever Limited Diversified FMCG 34,076 6 1.85%
25 Abbott India Limited Pharmaceuticals & Biotechnology 2,222 6 1.74%
26 One 97 Communications Limited Financial Technology (Fintech) 32,688 5 1.59%
27 Bayer Cropscience Limited Fertilizers & Agrochemicals 14,781 5 1.55%
28 MRF Limited Auto Components 344 4 1.25%
29 Knack Packaging Limited Industrial Products 222,496 4 1.16%
30 Balrampur Chini Mills Limited Agricultural Food & other Products 60,000 4 1.15%
InvestVerdict

Bank of India Consumption Fund

Direct Plan · Growth · 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
₹17 cr ₹17 cr 4 5 +5.44%
StockShares tradedShares PriceValue
₹ cr
New position
SBI Life Insurance Company Limited 20,923 entered — 3.9
Knack Packaging Limited 176,440 entered — 3.4
One 97 Communications Limited 13,324 entered — 1.8
Mankind Pharma Limited 7,089 entered — 1.8
Added to
ITC Limited 195,104 +20.1% -2.1% 5.5
Maruti Suzuki India Limited 3,416 +40.4% +0.8% 4.9
Dixon Technologies (India) Limited 1,372 +12.1% +17.9% 1.9
Entero Healthcare Solutions Ltd 8,896 +12.1% +4.5% 1.1
NTPC Limited 26,644 +14.5% -2.6% 0.9
Godfrey Phillips India Limited 4,221 +13.2% -1.8% 0.9
Britannia Industries Limited 1,369 +3.0% +5.3% 0.7
Endurance Technologies Limited 2,405 +7.4% +3.2% 0.7
Trimmed
Sky Gold And Diamonds Limited 78,104 -43.4% +20.9% 5.0
Apollo Hospitals Enterprise Limited 4,178 -31.7% +3.2% 3.7
S.J.S. Enterprises Limited 15,658 -39.2% +7.8% 3.7
Aditya Vision Ltd 43,050 -27.2% -3.1% 2.8
Stylam Industries Limited 2,783 -7.8% +4.2% 0.9
Balrampur Chini Mills Limited 15,000 -20.0% +5.6% 0.9
FSN E-Commerce Ventures Limited 6,367 -1.4% +7.3% 0.2
Sold out of
Oberoi Realty Limited 47,992 exited — 8.5
Angel One Limited 198,186 exited — 6.6
SBI Cards and Payment Services Limited 27,995 exited — 1.7
Gabriel India Limited 8,638 exited — 1.1
Kwality Walls (India) Limited 34,076 exited — 0.1
Not equityPrevious filingThis filingChange
Cash, repo and TREPS ₹0 cr ₹0 cr +₹0 cr
Debt: bills, CDs and commercial paper ₹0 cr ₹0 cr +₹0 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 30 Oct 2026.