Bank of India Consumption Fund

Q: What are the returns of this mutual fund scheme?

The Bank of India Consumption Fund is a 1 yrs 2 m old fund and has delivered average annual returns of 2.06% since inception. Bank of India Consumption Fund Returns 1-Year Since Inception 1.59% 2.06%

Q: How much does this mutual fund charge as expense ratio?

The Bank of India Consumption Fund has an expense ratio of 2.48% , 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.

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹10.25-0.39% 1 day change	2.06% p.a.	App exclusive #NA View Ranked Funds	₹415 Cr

Historical NAV & returns

NAV: ₹10.25 as on Feb 02, 2026

This fund Category average

Bank of India Consumption Fund overview

AUM (Fund size)	₹415 Cr
Exit load	1.0% Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months.!
Lock-in Period	Nil
Age	1 yrs 2 m since Nov 29, 2024
Benchmark	NIFTY India Consumption TRI
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	2.48% as on Feb 02, 2026
Plan type	Regular
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%

Bank of India Consumption Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Feb 03, 2026

Period	This fund	Category average
1 Month	-7.24%	-7.18%
3 Months	-9.77%	-9.16%
6 Months	-4.38%	-5.74%
1 Year	1.59%	-4.21%

View returns in detail

Asset allocationas on Dec 31, 2025

Large Cap 45.71%

Mid Cap 22.65%

Small Cap 24.34%

Other Cap 0%

Top holdings

ITC Ltd.9.45%

Bharti Airtel Ltd.9.44%

Britannia Industries Ltd.6.54%

Mahindra & Mahindra Ltd.5.0%

Top sectors

Consumer Staples 28.880000000000003%

Automobile 17.57%

Services 14.21%

Communication 11.94%

Credit quality

Bifurcation by Credit Quality is not available for this fund

Top Debt Holdings

Reserve Bank of India 0.03%

Allocation by Instruments

Repo 6.17%

Net Receivables 1.1%

Treasury Bills 0.03%

Other Holdings

Others 1.1%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bank of India Consumption Fund	-7.24%	-4.38%	1.59%	N.A.	N.A.	N.A.
ICICI Prudential Bharat Consumption Fund	-7.02%	-5.1%	-3.48%	14.65%	13.95%	9.07%
Nippon India Consumption Fund	-7.77%	-7.81%	-6.15%	13.77%	15.57%	13.15%
Mirae Asset Great Consumer Fund	-7.64%	-6.05%	-2.97%	14.6%	14.61%	16.16%
Tata India Consumer Fund	-5.89%	-5.51%	-2.61%	17.17%	14.73%	15.96%
Baroda BNP Paribas India Consumption Fund	-7.66%	-5.07%	-5.95%	14.17%	13.09%	11.48%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bank of India Consumption Fund	N.A.	N.A.	N.A.	N.A.
ICICI Prudential Bharat Consumption Fund	12.96	0.74	0.67	0.84
Nippon India Consumption Fund	14.02	0.8	0.57	0.69
Mirae Asset Great Consumer Fund	15.15	0.89	0.6	0.75
Tata India Consumer Fund	14.26	0.81	0.8	0.96
Baroda BNP Paribas India Consumption Fund	13.72	0.8	0.64	0.79

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bank of India Consumption Fund	N.A.	415 Cr	1 yrs 2 m	2.48%
ICICI Prudential Bharat Consumption Fund	N.A.	3,232 Cr	6 yrs 10 m	2.01%
Nippon India Consumption Fund	N.A.	2,761 Cr	21 yrs 4 m	1.97%
Mirae Asset Great Consumer Fund	N.A.	4,754 Cr	14 yrs 10 m	1.84%
Tata India Consumer Fund	N.A.	2,671 Cr	10 yrs 1 m	1.99%
Baroda BNP Paribas India Consumption Fund	N.A.	1,546 Cr	7 yrs 5 m	2.08%

View all Thematic-consumption funds

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

Risk ratios are based on three-year data. The required data is unavailable for the scheme.

Compare Bank of India Consumption Fund in detail with

About this fund

About Bank of India Consumption Fund

Bank of India Consumption Fund is a Thematic-Consumption mutual fund scheme from Bank Of India Mutual Fund. This fund has been in existence for 1 yrs 2 m, having been launched on 29/11/2024. Bank of India Consumption Fund has ₹415 Crores worth of assets under management (AUM) as on 31/12/2025 and is small fund of its category. The latest Net Asset Value (NAV) of Bank of India Consumption Fund as of 02/02/2026 is ₹10.25. The fund has an expense ratio of 2.48%, which is higher than what most other Thematic-consumption funds charge.

Bank of India Consumption Fund returns of last 1-year are 4.14%. Since launch, it has delivered 2.23% average annual returns.
The fund has the majority of its money invested in Consumer Staples, Automobile, Services, Communication, Healthcare sectors. It has taken less exposure in Consumer Staples, Automobile sectors compared to other funds in the category.
The fund's top 5 holdings are in ITC Ltd., Bharti Airtel Ltd., Britannia Industries Ltd., Mahindra & Mahindra Ltd., Hero Motocorp Ltd..

...

Fund AUM	415 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

Fund managers

Nitin Gosar

Mr. Gosar holds a Master’s 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.

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.

Bank of India Mutual Fund details

No. of schemes	21 view all schemes
Total AUM	13,871 Cr as on Dec 31, 2025
Address	B/204-Tower 1, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai, 400013
Email	service@boiaxa-im.com

More funds from Bank of India Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
Bank of India Manufacturing & Infrastructure Fund	N.A.	674 Cr	11.51%	22.79%
Bank of India Small Cap Fund	N.A.	1,939 Cr	-3.12%	20.14%
Bank of India Flexi Cap Fund	N.A.	2,244 Cr	6.82%	19.05%
Bank of India ELSS Tax Saver Fund	N.A.	1,402 Cr	4.73%	15.54%
Bank of India Large & Mid Cap Fund	N.A.	456 Cr	9.28%	15.3%
Bank of India Multi Cap Fund	N.A.	1,013 Cr	9.35%	N.A.

See all Equity funds from this AMC

Frequently asked questions

What is the current NAV of Bank of India Consumption Fund?

The current Net Asset Value (NAV) of the Bank of India Consumption Fund plan is approximately ₹10.25 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The Bank of India Consumption Fund is a 1 yrs 2 m old fund and has delivered average annual returns of 2.06% since inception.

Bank of India Consumption Fund Returns

1-Year	Since Inception
1.59%	2.06%

How much does this mutual fund charge as expense ratio?

The Bank of India Consumption Fund has an expense ratio of 2.48%, 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.

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

The Bank of India Consumption Fund currently has assets under management (AUM) or fund size valued at approximately 415 Cr as on Dec 31, 2025.

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

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.	9.45%
Bharti Airtel Ltd.	9.44%
Britannia Industries Ltd.	6.54%
Mahindra & Mahindra Ltd.	5.0%
Hero Motocorp Ltd.	4.97%
United Spirits Ltd.	4.01%
FSN E-Commerce Ventures Ltd.	3.91%
Apollo Hospitals Enterprise Ltd.	3.05%
Oberoi Realty Ltd.	2.97%
ICICI Lombard General Insurance Company Ltd.	2.88%

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

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

Sector	Percentage of Portfolio
Consumer Staples	28.880000000000003%
Automobile	17.57%
Services	14.21%
Communication	11.94%
Healthcare	5.79%
Consumer Discretionary	3.22%
Construction	2.97%
Insurance	2.88%
Materials	2.84%
Chemicals	1.45%

What is risk level of Bank of India Consumption Fund?

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

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

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

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

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.

ET Money rank

App exclusive

in Thematic-Consumption

#NA

Return Outperformance: This fund has generated highest return amongst Thematic-Consumption funds in the last 1 Year.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months.