Sharpe ratio
0.17Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+2.84%1Y Absolute Return
-0.17%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 Consumption Fund - Direct - GrowthFund 1Y annualised return · 5Y history unavailable | ₹7,83,804 | ₹7,32,612 | ₹51,192 | +2.84% |
| 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₹1.08
₹1 Lakh since launch₹1.08 Lakh
Fund age1.9 yrs
Fund information
Scheme code153139
ISININF761K01GI7
BenchmarkNIFTY India Consumption TRI
CategoryEquity Scheme - Sectoral/ Thematic
Expense ratio1.56%
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
463rd / 932 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +128.19% | — | — |
| 3M | -1.03% | — | — |
| 6M | +18.93% | — | — |
| 1Y | +2.84% | — | +4.16% |
| Since Launch | +8.06% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.25Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
13.58%How much the fund’s returns fluctuate over time.
Moderate volatility
Returns can move up and down noticeably.
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
0.53How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative 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
Portfolio100%
Equity97.38%
Cash2.55%
Debt0.07%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 40 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Bharti Airtel Ltd | Technology | Equity | 9.82% |
| ITC Ltd | Consumer Staples | Equity | 7.71% |
| Britannia Industries Ltd | Consumer Staples | Equity | 6.42% |
| Mahindra & Mahindra Ltd | Consumer Discretionary | Equity | 4.65% |
| United Spirits Ltd | Consumer Staples | Equity | 4.32% |
| FSN E-Commerce Ventures Ltd | Consumer Discretionary | Equity | 3.96% |
| Dixon Technologies (India) Ltd | Consumer Discretionary | Equity | 3.74% |
| Maruti Suzuki India Ltd | Consumer Discretionary | Equity | 3.3% |
| Stylam Industries Ltd | Industrials | Equity | 3.22% |
| Apollo Hospitals Enterprise Ltd | Healthcare | Equity | 3.17% |
Fund management
NI
Nitin Gosar
Since 2024 · 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.
Mr. Gosar holds a Master’s degree in Finance from ICFAI.
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 -15.2%, volatility 13.6%. Ranks 463 of 932 in its category over 1 year.
Strengths
- Losses and swings stayed contained — worst fall -15.2%, volatility 13.6%.
- Recovered from its worst fall in 4 months.
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 13.6% volatility.
Risk drivers
- None