Bank of India Consumption Fund Direct Growth

Fund Overview

Fund Size

₹346 Cr

Expense Ratio

1.56%

ISIN

INF761K01GI7

Minimum SIP

₹1,000

Exit Load

1.00%

Inception Date

20 Dec 2024

About this fund

Bank of India Consumption Fund Direct Growth is a Equity - Consumption mutual fund schemes offered by BOI Mutual Fund. This fund has been in existence for 1 years and 10 months, having been launched on 20-Dec-24.
As of 19-Oct-26, it has a Net Asset Value (NAV) of ₹10.82, Assets Under Management (AUM) of 345.96 Crores, and an expense ratio of 1.56%.

Bank of India Consumption Fund Direct Growth has given a CAGR return of 4.40% since inception.
The fund's asset allocation comprises around 94.23% in equities, 0.07% in debts, and 5.70% in cash & cash equivalents.
You can start investing in Bank of India Consumption Fund Direct Growth with a SIP of ₹1000 or a Lumpsum investment of ₹5000.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

-4.92%

— (Cat Avg.)

Since Inception

+4.40%

— (Cat Avg.)

Portfolio Summaryas of 30th September 2026

Equity	₹325.99 Cr	94.23%
Debt	₹0.25 Cr	0.07%
Others	₹19.72 Cr	5.70%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
Bharti Airtel Ltd	Equity	₹33.6 Cr	9.71%
ITC Ltd	Equity	₹30.61 Cr	8.85%
Britannia Industries Ltd	Equity	₹22.41 Cr	6.48%
Maruti Suzuki India Ltd	Equity	₹18.35 Cr	5.30%
Mahindra & Mahindra Ltd	Equity	₹16.12 Cr	4.66%
United Spirits Ltd	Equity	₹15.63 Cr	4.52%
Dixon Technologies (India) Ltd	Equity	₹13.2 Cr	3.82%
Treps	Cash - Repurchase Agreement	₹12.67 Cr	3.66%
Tips Music Ltd	Equity	₹10.62 Cr	3.07%
FSN E-Commerce Ventures Ltd	Equity	₹10.12 Cr	2.93%
Entero Healthcare Solutions Ltd	Equity	₹10.04 Cr	2.90%
Eternal Ltd	Equity	₹9.73 Cr	2.81%
Eris Lifesciences Ltd Registered Shs	Equity	₹9 Cr	2.60%
Stylam Industries Ltd	Equity	₹8.42 Cr	2.43%
Lalithaa Jewellery Mart Ltd	Equity	₹8.4 Cr	2.43%
Emami Ltd	Equity	₹8.16 Cr	2.36%
Bharti Hexacom Ltd	Equity	₹8.11 Cr	2.34%
Aditya Vision Ltd	Equity	₹8.01 Cr	2.32%
Endurance Technologies Ltd	Equity	₹7.5 Cr	2.17%
SJS Enterprises Ltd	Equity	₹7.05 Cr	2.04%
Net Receivables / (Payables)	Cash	₹7.05 Cr	2.04%
Godfrey Phillips India Ltd	Equity	₹6.84 Cr	1.98%
NTPC Ltd	Equity	₹6.81 Cr	1.97%
Hindustan Unilever Ltd	Equity	₹6.4 Cr	1.85%
Abbott India Ltd	Equity	₹6.03 Cr	1.74%
One97 Communications Ltd	Equity	₹5.49 Cr	1.59%
Bayer CropScience Ltd	Equity	₹5.36 Cr	1.55%
MRF Ltd	Equity	₹4.31 Cr	1.25%
Knack Packaging Ltd	Equity	₹4 Cr	1.16%
Balrampur Chini Mills Ltd	Equity	₹3.98 Cr	1.15%
Senco Gold Ltd	Equity	₹3.81 Cr	1.10%
SBI Life Insurance Co Ltd	Equity	₹3.55 Cr	1.03%
Titan Co Ltd	Equity	₹3.47 Cr	1.00%
Bosch Home Comfort India Ltd	Equity	₹2.34 Cr	0.68%
Optiemus Infracom Ltd	Equity	₹2.3 Cr	0.67%
Sky Gold and Diamonds Ltd	Equity	₹2.28 Cr	0.66%
PB Fintech Ltd	Equity	₹1.95 Cr	0.56%
Mankind Pharma Ltd	Equity	₹1.77 Cr	0.51%
Tbill	Bond - Gov't/Treasury	₹0.25 Cr	0.07%
Avenue Supermarts Ltd	Equity	₹0.23 Cr	0.07%

Allocation By Market Cap (Equity)

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Sector	Amount	Holdings
Consumer Cyclical	₹113.91 Cr	32.93%
Consumer Defensive	₹94.26 Cr	27.25%
Communication Services	₹52.33 Cr	15.13%
Healthcare	₹26.84 Cr	7.76%
Technology	₹20.99 Cr	6.07%
Utilities	₹6.81 Cr	1.97%
Financial Services	₹5.5 Cr	1.59%
Basic Materials	₹5.36 Cr	1.55%

Risk & Performance Ratios

Fund Managers

Nitin Gosar

Since December 2024

Additional Scheme Detailsas of 30th September 2026

ISIN

INF761K01GI7

Expense Ratio

1.56%

Exit Load

1.00%

Fund Size

₹346 Cr

Age

1 year 10 months

Lumpsum Minimum

₹5,000

Fund Status

Open Ended Investment Company

Benchmark

Nifty India Consumption TR INR

Investment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

Capital Gains Taxation:

Dividend Taxation:

Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

Similar Equity - Consumption Funds

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Kotak NIFTY India Consumption ETF Very High Risk	0.1%	-	₹31.56 Cr	-12.7%
WhiteOak Capital Consumption Opportunities Fund Direct Growth Very High Risk	1.1%	0.0%	₹134.65 Cr	-
WhiteOak Capital Consumption Opportunities Fund Regular Growth Very High Risk	2.8%	0.0%	₹134.65 Cr	-
Union Consumption Fund Regular Growth Very High Risk	2.8%	1.0%	₹314.47 Cr	-
Union Consumption Fund Direct Growth Very High Risk	1.5%	1.0%	₹314.47 Cr	-
LIC MF Consumption Fund Regular Growth Very High Risk	2.7%	1.0%	₹424.24 Cr	-
LIC MF Consumption Fund Direct Growth Very High Risk	1.2%	1.0%	₹424.24 Cr	-
Invesco India Consumption Fund Regular Growth Very High Risk	2.6%	0.0%	₹590.40 Cr	-
Invesco India Consumption Fund Direct Growth Very High Risk	1.1%	0.0%	₹590.40 Cr	-
Motilal Oswal Consumption Fund Direct Growth Very High Risk	0.8%	1.0%	₹1159.44 Cr	-
Motilal Oswal Consumption Fund Regular Growth Very High Risk	2.5%	1.0%	₹1159.44 Cr	-
ITI Bharat Consumption Fund Regular Growth Very High Risk	2.6%	0.0%	₹349.87 Cr	-5.7%
ITI Bharat Consumption Fund Direct Growth Very High Risk	1.0%	0.0%	₹349.87 Cr	-4.2%
Edelweiss Consumption Fund Regular Growth Very High Risk	2.5%	1.0%	₹458.44 Cr	-11.6%
Edelweiss Consumption Fund Direct Growth Very High Risk	0.9%	1.0%	₹458.44 Cr	-10.2%
ICICI Prudential Nifty FMCG ETF Very High Risk	0.2%	-	₹757.38 Cr	-21.7%
Bank of India Consumption Fund Direct Growth Very High Risk	1.6%	1.0%	₹345.96 Cr	-4.9%
Bank of India Consumption Fund Regular Growth Very High Risk	2.8%	1.0%	₹345.96 Cr	-6.0%
Bajaj Finserv Consumption Fund Regular Growth Very High Risk	2.9%	1.0%	₹564.97 Cr	-10.5%
Bajaj Finserv Consumption Fund Direct Growth Very High Risk	1.2%	1.0%	₹564.97 Cr	-9.0%
SBI Nifty India Consumption Index Fund Regular Growth Very High Risk	0.9%	0.0%	₹239.13 Cr	-11.6%
SBI Nifty India Consumption Index Fund Direct Growth Very High Risk	0.4%	0.0%	₹239.13 Cr	-11.2%
Axis Consumption Fund Direct Growth Very High Risk	0.9%	1.0%	₹2360.37 Cr	-11.9%
Axis Consumption Fund Regular Growth Very High Risk	2.1%	1.0%	₹2360.37 Cr	-13.1%
Quant Consumption Fund Regular Growth Very High Risk	3.2%	1.0%	₹179.65 Cr	-2.5%
Quant Consumption Fund Direct Growth Very High Risk	1.7%	1.0%	₹179.65 Cr	-1.0%
ICICI Prudential Bharat Consumption Fund Regular Growth Very High Risk	2.1%	1.0%	₹3048.60 Cr	-10.8%
Kotak Consumption Fund Regular Growth Very High Risk	2.3%	0.0%	₹1660.40 Cr	-9.0%
Kotak Consumption Fund Direct Growth Very High Risk	0.9%	0.0%	₹1660.40 Cr	-7.6%
HSBC Consumption Fund Direct Growth Very High Risk	0.9%	1.0%	₹1697.52 Cr	-3.6%
HSBC Consumption Fund Regular Growth Very High Risk	2.2%	1.0%	₹1697.52 Cr	-4.9%
Mirae Asset Great Consumer Fund Direct Growth Very High Risk	0.7%	1.0%	₹4455.33 Cr	-9.2%
Nippon India Consumption Fund Direct Growth Very High Risk	0.9%	1.0%	₹2255.30 Cr	-11.5%
SBI Consumption Opportunities Fund Regular Growth Very High Risk	2.1%	0.0%	₹2641.51 Cr	-16.5%
Mirae Asset Great Consumer Fund Regular Growth Very High Risk	2.0%	1.0%	₹4455.33 Cr	-10.4%
Axis NIFTY India Consumption ETF Very High Risk	0.5%	-	₹12.61 Cr	-13.0%
UTI India Consumer Fund Regular Growth Very High Risk	2.4%	1.0%	₹678.01 Cr	-10.8%
HDFC Non-Cyclical Consumer Fund Direct Growth Very High Risk	1.3%	1.0%	₹954.07 Cr	-11.6%
HDFC Non-Cyclical Consumer Fund Regular Growth Very High Risk	2.4%	1.0%	₹954.07 Cr	-12.6%
UTI India Consumer Fund Direct Growth Very High Risk	1.6%	1.0%	₹678.01 Cr	-10.0%
Aditya Birla Sun Life India GenNext Fund Direct Growth Very High Risk	0.9%	1.0%	₹5697.41 Cr	-12.0%
Mahindra Manulife Consumption Fund Direct Growth Very High Risk	1.1%	1.0%	₹452.65 Cr	-10.8%
Mahindra Manulife Consumption Fund Regular Growth Very High Risk	2.6%	1.0%	₹452.65 Cr	-12.3%
Canara Robeco Consumer Trends Fund Direct Growth Very High Risk	0.9%	1.0%	₹1872.23 Cr	-8.3%
SBI Consumption Opportunities Fund Direct Growth Very High Risk	1.2%	0.0%	₹2641.51 Cr	-15.6%
Sundaram Consumption Fund Direct Growth Very High Risk	1.7%	0.0%	₹1407.53 Cr	-12.2%
Tata India Consumer Fund Regular Growth Very High Risk	2.1%	0.0%	₹2723.26 Cr	-2.2%
Tata India Consumer Fund Direct Growth Very High Risk	0.9%	0.0%	₹2723.26 Cr	-0.9%
Canara Robeco Consumer Trends Fund Regular Growth Very High Risk	2.2%	1.0%	₹1872.23 Cr	-9.4%
Nippon India ETF Consumption Very High Risk	0.3%	-	₹186.44 Cr	-12.9%

About the AMC

BOI Mutual Fund

+91 22 40479000

https://www.boimf.in/

Total AUM

₹18,382 Cr

Address

B/204, Tower 1, Peninsula Corporate Park, Mumbai, 400 013

Other Funds by BOI Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Bank of India Value Fund Direct Growth Very High Risk	-	1.0%	₹355.79 Cr	-
Bank of India Banking and Financial Services Fund Direct Growth Very High Risk	1.6%	1.0%	₹249.41 Cr	-
Bank of India Mid Cap Fund Direct Growth Very High Risk	1.4%	1.0%	₹729.06 Cr	0.6%
Bank of India Money Market Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹410.33 Cr	6.6%
Bank of India Consumption Fund Direct Growth Very High Risk	1.6%	1.0%	₹345.96 Cr	-4.9%
Bank of India Business Cycle Fund Direct Growth Very High Risk	1.4%	1.0%	₹437.41 Cr	1.1%
Bank of India Multi Asset Allocation Fund Direct Growth Very High Risk	1.1%	1.0%	₹368.88 Cr	5.4%
Bank of India Midcap Tax Fund Series 1 Direct Growth Very High Risk	-	0.0%	₹65.11 Cr	5.3%
Bank of India Midcap Tax Fund Series 2 Direct Growth Very High Risk	-	0.0%	₹32.46 Cr	1.3%
Bank of India Mid & Small Cap Equity & Debt Direct Growth Very High Risk	0.9%	1.0%	₹2195.61 Cr	11.5%
Bank of India Conservative Hybrid Fund Direct Growth Moderately High risk	1.2%	1.0%	₹65.93 Cr	2.0%
Bank of India Balanced Advantage Fund Direct Growth Very High Risk	1.4%	1.0%	₹173.75 Cr	0.7%
Bank of India Multi Cap Fund Direct Growth Very High Risk	1.2%	1.0%	₹1343.67 Cr	7.3%
Bank of India Bluechip Fund Direct Growth Very High Risk	1.3%	1.0%	₹226.16 Cr	-0.5%
Bank of India Flexi Cap Fund Direct Growth Very High Risk	0.9%	1.0%	₹3098.01 Cr	6.6%
Bank of India Large & Mid Cap Equity Fund Direct Growth Very High Risk	1.5%	1.0%	₹505.50 Cr	1.2%
Bank of India Liquid Direct Growth Low to Moderate Risk	0.1%	0.0%	₹1874.05 Cr	6.5%
Bank of India S/T Income Direct Growth Moderate Risk	0.5%	0.0%	₹259.23 Cr	4.5%
Bank of India Manufacturing and Infrastructure fund Direct Growth Very High Risk	1.0%	1.0%	₹983.51 Cr	13.2%
Bank of India Tax Advantage Fund Direct Growth Very High Risk	1.1%	0.0%	₹1366.45 Cr	-0.2%
Bank of India Ultra Short Duration Fund Direct Growth Low to Moderate Risk	0.5%	0.0%	₹195.82 Cr	6.4%
Bank of India Credit Risk Fund Direct Growth Moderately High risk	0.6%	1.0%	₹74.33 Cr	17.2%
Bank of India Small Cap Fund Direct Growth Very High Risk	0.7%	1.0%	₹3670.75 Cr	25.3%
Bank of India Overnight Fund Direct Growth Low Risk	0.1%	0.0%	₹88.25 Cr	5.5%
Bank of India Arbitrage Fund Direct Growth Low Risk	2.3%	0.0%	₹110.77 Cr	6.3%

Risk Level

Your principal amount will be at Very High Risk

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

The NAV of Bank of India Consumption Fund Direct Growth, as of 19-Oct-2026, is ₹10.82.

What is the portfolio composition of Bank of India Consumption Fund Direct Growth?

The fund's allocation of assets is distributed as 94.23% in equities, 0.07% in bonds, and 5.70% in cash and cash equivalents.

Who manages the Bank of India Consumption Fund Direct Growth?

The fund managers responsible for Bank of India Consumption Fund Direct Growth are:-

Nitin Gosar

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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Bank of India Consumption Fund Direct Growth

Fund Overview