Bank of India Multi Asset Allocation Fund

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

The Bank of India Multi Asset Allocation Fund is a 1 yrs 11 m old fund and has delivered average annual returns of 9.91% since inception. Bank of India Multi Asset Allocation Fund Returns 1-Year Since Inception 12.59% 9.91%

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹12.0212-2.33% 1 day change	9.91% p.a.	App exclusive #NA View Ranked Funds	₹344 Cr

Historical NAV & returns

NAV: ₹12.0212 as on Feb 02, 2026

This fund Category average

Bank of India Multi Asset Allocation Fund overview

AUM (Fund size)	₹344 Cr
Exit load	1.0% Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 12 months.!
Lock-in Period	Nil
Age	1 yrs 11 m since Feb 07, 2024
Benchmark	NA
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	2.02% as on Feb 02, 2026
Plan type	Regular
Risk	High

Bank of India Multi Asset Allocation 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	-0.71%	-1.28%
3 Months	1.64%	1.97%
6 Months	6.16%	7.46%
1 Year	12.59%	15.15%

Asset allocationas on Dec 31, 2025

Large Cap 26.42%

Mid Cap 3.77%

Small Cap 8.02%

Other Cap 0%

Top holdings

State Bank of India2.56%

Vedanta Ltd.2.11%

ICICI Bank Ltd.1.93%

HDFC Bank Ltd.1.81%

Top sectors

Financial 11.1%

Metals & Mining 4.49%

Automobile 4.380000000000001%

Capital Goods 2.99%

AAA 30.94%

SOV 7.04%

AA+ 5.85%

Cash & Call Money 1.66%

Top Debt Holdings

Indian Railway Finance Corporation Ltd. 7.39%

LIC Housing Finance Ltd. 7.34%

GOI 6.9%

Muthoot Finance Ltd. 5.85%

Allocation by Instruments

Debenture 21.160000000000004%

Mutual Fund 15.719999999999999%

Bonds 10.34%

GOI Securities 6.8999999999999995%

Other Holdings

ICICI Prudential Gold Exchange Traded Fund 9.04%

DSP Gold ETF - Growth 3.4%

Nippon India ETF Gold BeES 3.28%

Others 1.48%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bank of India Multi Asset Allocation Fund	-0.71%	6.16%	12.59%	N.A.	N.A.	N.A.
Kotak Multi Asset Omni FoF	-2.32%	8.57%	15.67%	18.57%	17.86%	15.67%
ICICI Prudential Multi Asset Fund	-2.24%	7.19%	13.88%	18.83%	20.12%	16.92%
ICICI Prudential Dynamic Asset Allocation Active FoF	-2.12%	1.91%	8.8%	13.07%	12.16%	12.75%
Nippon India Multi Asset Allocation Fund	-0.67%	10.8%	21.44%	20.35%	16.22%	9.24%
SBI Multi Asset Allocation Fund	-0.54%	10.45%	18.95%	18.98%	14.67%	11.85%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bank of India Multi Asset Allocation Fund	N.A.	N.A.	N.A.	N.A.
Kotak Multi Asset Omni FoF	7.92	0.88	1.66	2.01
ICICI Prudential Multi Asset Fund	6.64	0.7	1.82	2.76
ICICI Prudential Dynamic Asset Allocation Active FoF	5.32	0.54	1.25	1.78
Nippon India Multi Asset Allocation Fund	7.41	0.81	1.91	2.71
SBI Multi Asset Allocation Fund	6.48	0.69	1.9	3.06

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bank of India Multi Asset Allocation Fund	N.A.	344 Cr	1 yrs 11 m	2.02%
Kotak Multi Asset Omni FoF	N.A.	2,255 Cr	21 yrs 7 m	1.07%
ICICI Prudential Multi Asset Fund	N.A.	78,179 Cr	23 yrs 3 m	1.32%
ICICI Prudential Dynamic Asset Allocation Active FoF	N.A.	29,170 Cr	22 yrs 2 m	1.3%
Nippon India Multi Asset Allocation Fund	N.A.	10,661 Cr	5 yrs 5 m	1.36%
SBI Multi Asset Allocation Fund	N.A.	13,033 Cr	20 yrs 2 m	1.38%

View all Multi Asset Allocation 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 Multi Asset Allocation Fund in detail with

About this fund

About Bank of India Multi Asset Allocation Fund

Bank of India Multi Asset Allocation Fund is a Multi Asset Allocation mutual fund scheme from Bank Of India Mutual Fund. This fund has been in existence for 1 yrs 11 m, having been launched on 07/02/2024. Bank of India Multi Asset Allocation Fund has ₹344 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 Multi Asset Allocation Fund as of 02/02/2026 is ₹12.02. The fund has an expense ratio of 2.02%, which is higher than what most other Multi Asset Allocation funds charge. Currently, the fund has a 38.21% allocation to equity and 44.41% to Debt.

Bank of India Multi Asset Allocation Fund returns of last 1-year are 12.04%. Since launch, it has delivered 10.00% average annual returns.
The fund's equity portion is primarily invested in Unclassified, Financial, Metals & Mining, Automobile, Capital Goods sectors. It has taken less exposure in Unclassified, Financial sectors compared to other funds in the category.
The debt portion of the fund has low credit quality indicating the quality of borrowers it has lent it to is not too great.
The fund's top 5 holdings are in ICICI Prudential Gold Exchange Traded Fund, Indian Railway Finance Corporation Ltd., LIC Housing Finance Ltd., GOI, Muthoot Finance Ltd..

...

Fund AUM	344 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

Fund managers

Mithraem Bharucha

Mr. Bharucha is a BMS and MBA Prior to joining Bank of India Mutual Fund, he has worked with YES Asset Management (India) Limited and BNP Paribas Asset Management India Pvt. Ltd.

Nilesh Jethani

Mr. Jethani has done Bachelor of Financial Markets from HR College and Postgraduate Program in Global Financial Markets from BSE Institute Ltd. Prior to joining Bank of India Mutual Fund, he has worked with HDFC Securities, HDFC Bank, and ASK Investment Managers

Investment objective

The scheme seeks to seek long term capital growth by predominantly investing in equity and equity related securities, debt & money market instruments and Gold ETF.

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 Mid & Small Cap Equity & Debt Fund	N.A.	1,349 Cr	6.05%	18.28%
Bank of India Balanced Advantage Fund	N.A.	146 Cr	8.55%	10.01%
Bank of India Conservative Hybrid Fund	N.A.	65 Cr	4.09%	9.95%
Bank of India Arbitrage Fund	N.A.	43 Cr	5.83%	4.95%

See all Hybrid funds from this AMC

Frequently asked questions

What is the current NAV of Bank of India Multi Asset Allocation Fund?

The current Net Asset Value (NAV) of the Bank of India Multi Asset Allocation Fund plan is approximately ₹12.0212 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The Bank of India Multi Asset Allocation Fund is a 1 yrs 11 m old fund and has delivered average annual returns of 9.91% since inception.

Bank of India Multi Asset Allocation Fund Returns

1-Year	Since Inception
12.59%	9.91%

How much does this mutual fund charge as expense ratio?

The Bank of India Multi Asset Allocation Fund has an expense ratio of 2.02%, 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 Multi Asset Allocation Fund currently has assets under management (AUM) or fund size valued at approximately 344 Cr as on Dec 31, 2025.

What are the top stock holdings of Bank of India Multi Asset Allocation Fund?

The Bank of India Multi Asset Allocation Fund's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
State Bank of India	2.56%
Vedanta Ltd.	2.11%
ICICI Bank Ltd.	1.93%
HDFC Bank Ltd.	1.81%
Bharti Airtel Ltd.	1.66%
Mahindra & Mahindra Ltd.	1.63%
Infosys Ltd.	1.63%
Shriram Finance Ltd	1.45%
Dr. Reddy's Laboratories Ltd.	1.35%
Tata Steel Ltd.	1.31%

What are the top sectors Bank of India Multi Asset Allocation Fund has invested in?

The Bank of India Multi Asset Allocation Fund's equity portion is primarily invested in the following sectors -

Sector	Percentage of Portfolio
Financial	11.1%
Metals & Mining	4.49%
Automobile	4.380000000000001%
Capital Goods	2.99%
Technology	2.92%
Services	2.22%
Healthcare	1.84%
Consumer Discretionary	1.8399999999999999%
Communication	1.66%
Consumer Staples	1.51%

To whom does Bank of India Multi Asset Allocation Fund lend to?

The top 3 debt holdings of Bank of India Multi Asset Allocation Fund are as follows

Holding Name	Percentage of Portfolio
Indian Railway Finance Corporation Ltd.	7.39%
LIC Housing Finance Ltd.	7.34%
GOI	6.9%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Bank of India Multi Asset Allocation Fund's debt portion's allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AAA	30.94%
SOV	7.04%
AA+	5.85%

What is risk level of Bank of India Multi Asset Allocation Fund?

This is a Multi Asset Allocation fund comes with 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 Multi Asset Allocation Fund?

Redeeming your investments in the Bank of India Multi Asset Allocation 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 Multi Asset Allocation

#NA

Return Outperformance: This fund has generated highest return amongst Multi Asset Allocation funds in the last 1 Month.
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 12 months.