Question 1

What is the current NAV of Bank of India Consumption Fund Direct-Growth?

Accepted Answer

The current Net Asset Value (NAV) of the Bank of India Consumption Fund - Direct Growth plan is approximately ₹11.06 as of Sep 29, 2025.

Question 2

How much does this mutual fund charge as expense ratio?

Accepted Answer

The Bank of India Consumption Fund - Direct Growth has an expense ratio of 1.47%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

Question 3

What is the AUM or fund size of this mutual fund?

Accepted Answer

The Bank of India Consumption Fund currently has assets under management (AUM) or fund size valued at approximately 384 Cr as on Aug 31, 2025.

Question 4

What are the top stock holdings of Bank of India Consumption Fund?

Accepted Answer

The Bank of India Consumption Fund has invested the majority of its money in the stocks of the following companies -

Company	Percentage of Portfolio
ITC Ltd.	9.3%
Bharti Airtel Ltd.	9.15%
Britannia Industries Ltd.	6.83%
Hero Motocorp Ltd.	5.95%
Apollo Hospitals Enterprise Ltd.	4.72%
Mahindra & Mahindra Ltd.	4.66%
FSN E-Commerce Ventures Ltd.	3.9%
Oberoi Realty Ltd.	3.09%
Aditya Vision Ltd.	2.97%
ICICI Lombard General Insurance Company Ltd.	2.92%

Question 5

What are the top sectors Bank of India Consumption Fund has invested in?

Accepted Answer

The Bank of India Consumption Fund has primarily invested in the following sectors

Company	Percentage of Portfolio
ITC Ltd.	9.3%
Bharti Airtel Ltd.	9.15%
Britannia Industries Ltd.	6.83%
Hero Motocorp Ltd.	5.95%
Apollo Hospitals Enterprise Ltd.	4.72%
Mahindra & Mahindra Ltd.	4.66%
FSN E-Commerce Ventures Ltd.	3.9%
Oberoi Realty Ltd.	3.09%
Aditya Vision Ltd.	2.97%
ICICI Lombard General Insurance Company Ltd.	2.92%

Question 6

What is risk level of Bank of India Consumption Fund?

Accepted Answer

This is a Thematic-consumption fund comes with Very High risk.

Question 7

Is there any lock-in period in this mutual fund?

Accepted Answer

No, this fund does not have any lock-in period.

Question 8

How do I invest in Bank of India Consumption Fund Direct-Growth?

Accepted Answer

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. The whole process takes just a few minutes. Here's how it works:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for Bank of India Consumption Fund - Direct Growth, select your investment mode (lump sum or SIP), and enter the investment amount.
Provide the required details, including the bank account you'll use for payment, and confirm your investment.

That's it. Your investment in the Bank of India Consumption Fund is complete.

Question 9

How can I redeem my investments in Bank of India Consumption Fund?

Accepted Answer

Redeeming your investments in the Bank of India Consumption Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

Expense ratio	1.47% as on Aug 31, 2025
Exit load	1.0% Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months.!
AUM (Fund size)	₹384 Cr
Lock-in Period	Nil
Age	10 m since Nov 29, 2024
Benchmark	NIFTY India Consumption TRI
Min. investment	This scheme is currently not buyable
Risk	Very High
Short term capital gains (STCG)	Returns taxed at 20% if you redeem before 1 year
Long term capital gains (LTCG)	After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%

Period	This fund	Category average
1 Month	-0.45%	-1.05%
3 Months	2.03%	0.94%
6 Months	15.57%	10.93%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bank of India Consumption Fund	-0.45%	15.57%	N.A.	N.A.	N.A.	N.A.
Nippon India Consumption Fund	-1.15%	11.28%	-7.15%	16.87%	25.08%	15.64%
SBI Consumption Opportunities Fund	-1.59%	5.02%	-12.67%	15.27%	25.61%	16.57%
ICICI Prudential Bharat Consumption Fund	-0.65%	11.86%	-6.55%	17.82%	22.02%	10.65%
Mirae Asset Great Consumer Fund	-1.27%	14.46%	-6.92%	18.38%	23.56%	17.88%
Tata India Consumer Fund	-1.94%	11.65%	-5.99%	18.13%	21.68%	17.76%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bank of India Consumption Fund	N.A.	N.A.	N.A.	N.A.
Nippon India Consumption Fund	13.42	0.76	0.83	1.01
SBI Consumption Opportunities Fund	13.83	0.78	0.76	0.98
ICICI Prudential Bharat Consumption Fund	12.36	0.71	0.88	1.09
Mirae Asset Great Consumer Fund	14.46	0.85	0.84	1.08
Tata India Consumer Fund	14.01	0.8	0.84	1.04

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bank of India Consumption Fund	N.A.	384 Cr	10 m	1.47%
Nippon India Consumption Fund	N.A.	2,419 Cr	12 yrs 8 m	0.54%
SBI Consumption Opportunities Fund	N.A.	3,175 Cr	12 yrs 8 m	0.94%
ICICI Prudential Bharat Consumption Fund	N.A.	3,261 Cr	6 yrs 6 m	1.07%
Mirae Asset Great Consumer Fund	N.A.	4,552 Cr	12 yrs 8 m	0.43%
Tata India Consumer Fund	N.A.	2,379 Cr	9 yrs 9 m	0.72%

Bank of India Consumption Fund Direct-Growth

Historical NAV & returns

Bank of India Consumption Fund overview

Bank of India Consumption Fund Returns calculator

Trailing returns as on Sep 11, 2025

Asset allocationas on Aug 31, 2025

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Key risk & return ratios Compared to other funds in the category

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About this fund

About Bank of India Consumption Fund

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Fund AUM	384 Cr as on Aug 31, 2025
Scheme document	View Scheme Document

No. of schemes	21 view all schemes
Total AUM	12,458 Cr as on Jun 30, 2025
Address	B/204-Tower 1, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai, 400013
Email	service@boiaxa-im.com

Fund name	ETM Rank	AUM	1Y	5Y
Bank of India Manufacturing & Infrastructure Fund	N.A.	598 Cr	-4.55%	29.71%
Bank of India Small Cap Fund	N.A.	1,879 Cr	-8.59%	29.37%
Bank of India Flexi Cap Fund	N.A.	2,112 Cr	-5.33%	26.47%
Bank of India ELSS Tax Saver Fund	N.A.	1,355 Cr	-9.37%	22.28%
Bank of India Large & Mid Cap Fund	N.A.	408 Cr	-6.48%	20.9%
Bank of India Multi Cap Fund	N.A.	891 Cr	-4.46%	N.A.

Sector	Percentage of Portfolio
Consumer Staples	27.01%
Automobile	20.400000000000002%
Services	15.48%
Communication	9.15%
Healthcare	8.99%
Consumer Discretionary	4.36%
Construction	3.09%
Insurance	2.92%
Chemicals	1.79%
Capital Goods	0.95%