Sharpe ratio
0.41Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+6.51%1Y Absolute Return
-0.42%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 Multi Asset Allocation Fund-Direct Plan-GrowthFund 1Y annualised return · 5Y history unavailable | ₹8,57,193 | ₹7,32,612 | ₹1,24,581 | +6.51% |
| 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₹1.10
₹1 Lakh since launch₹1.10 Lakh
Fund age2.7 yrs
Fund information
Scheme code152396
ISININF761K01FZ3
BenchmarkCRISIL Multi Asset Index
CategoryHybrid Scheme - Multi Asset Allocation
Expense ratio1.04%
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
28th / 124 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +6.82% | — | — |
| 3M | -8.51% | — | — |
| 6M | +3.54% | — | — |
| 1Y | +6.51% | — | +3.20% |
| Since Launch | +9.85% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.56Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
9.92%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
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
1.05How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
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%
Equity42.50%
Debt39.87%
Commodities12.01%
Cash5.62%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 68 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 177 7.44 BD 28FB34 FVRS1LAC | Financial | Bonds | 6.91% |
| LIC HOUSING FINANCE LTD TR 438 7.8350 NCD 11MY27 FVRS1LAC | Financial | Debenture | 6.88% |
| ICICI Prudential Gold Exchange Traded Fund IDCW | Unspecified | Mutual Fund | 5.62% |
| MUTHOOT FINANCE LIMITED 8.05 NCD 25NV27 FVRS1LAC | Financial | Debenture | 5.47% |
| BAJAJ FINANCE LIMITED 8.1167 NCD 10MY27 FVRS1LAC | Financial | Non Convertible Debenture | 4.95% |
| TATA CAPITAL HOUSING FINANCE LIMITED SR F 7.73 NCD 14JN30 FVRS1LAC | Financial | Debenture | 4.39% |
| DSP Gold ETF - Growth | Unspecified | Mutual Fund | 3.36% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 3.28% |
| Nippon India ETF Gold BeES IDCW | Unspecified | Mutual Fund | 3.26% |
| ICICI Bank Ltd | Financial | Equity | 3.14% |
Fund management
MI
Mithraem Bharucha
Since 2024 · 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.
Mr. Bharucha is a BMS and MBA
NI
Nilesh Jethani
Since 2024 · 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 high-risk hybrid scheme - multi asset allocation fund. Losses and swings stayed contained — worst fall -9.4%, volatility 9.9%.
Strengths
- Losses and swings stayed contained — worst fall -9.4%, volatility 9.9%.
- Recovered from its worst fall in 3 months.
- Well spread out — top 10 holdings are only 18% of the portfolio.
- Ranks 28 of 124 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 4–5+ years horizon to ride out its high risk level.
- Good fit for SIPs — spreading purchases smooths out 9.9% volatility.
Risk drivers
- None