Sharpe ratio
-0.20Return earned for the risk taken.
Negative
Negative means the fund has not rewarded investors well for the risk taken recently.
—1Y Absolute Return
-0.59%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| Bank of India Banking & Financial Services Fund - Direct Plan - GrowthFund since-launch annualised return · 5Y history unavailable | ₹7,50,649 | ₹7,32,612 | ₹18,037 | +1.03% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.01
₹1 Lakh since launch₹1.01 Lakh
Fund age0.8 yrs
Fund information
Scheme code154093
ISININF761K01HE4
BenchmarkNIFTY Financial Services TRI
CategoryEquity Scheme - Sectoral/ Thematic
Expense ratio1.63%
Exit loadExit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months.
Minimum SIP₹1,000 SIP
Return comparison
| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +195.83% | — | — |
| 3M | +9.25% | — | — |
| 6M | +12.85% | — | — |
| Since Launch | +1.03% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
-0.29Return earned while limiting downside risk.
Negative
Negative means downside losses have outweighed the returns.
Standard deviation
18.47%How much the fund’s returns fluctuate over time.
High volatility
Returns can swing significantly.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.07How well the fund rewarded investors relative to its biggest decline.
Low
Returns have been modest compared to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Allocation data has not been disclosed.
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 35 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| ICICI Bank Ltd | Financial | Equity | 13.19% |
| HDFC Bank Ltd | Financial | Equity | 11.1% |
| State Bank of India | Financial | Equity | 8.56% |
| Bajaj Finance Ltd | Financial | Equity | 4.24% |
| Shriram Transport Finance Company Ltd | Financial | Equity | 3.78% |
| ICICI Prudential Asset Management Company Ltd. | Financial | Equity | 3.26% |
| Repo | Unspecified | Repo | 3.25% |
| HDFC Asset Management Company Ltd | Financial | Equity | 3.09% |
| Indian Bank | Financial | Equity | 2.98% |
| City Union Bank Ltd | Financial | Equity | 2.97% |
Fund management
NI
Nilesh Jethani
Since 2026 · Prior to joining Bank of India Mutual Fund, he has worked with HDFC Securities, HDFC Bank, and ASK Investment Managers
Mr. Jethani has done Bachelor of Financial Markets from HR College and Postgraduate Program in Global Financial Markets from BSE Institute Ltd.
Compare similar funds
No comparable category funds are available yet.
Summary
A very high-risk equity scheme - sectoral/ thematic fund. Losses and swings stayed contained — worst fall -14.3%, volatility 18.5%. Financial makes up 91% — trouble in that sector hits the whole fund.
Strengths
- Losses and swings stayed contained — worst fall -14.3%, volatility 18.5%.
Weaknesses
- None
Ideal investor
- Needs a 5–7+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 18.5% volatility.
Risk drivers
- Financial makes up 91% — trouble in that sector hits the whole fund.