Bank of India Multi Asset Allocation Fund Direct Growth

Fund Overview

Fund Size

₹359 Cr

Expense Ratio

0.72%

ISIN

INF761K01FZ3

Minimum SIP

₹1,000

Exit Load

1.00%

Inception Date

28 Feb 2024

About this fund

Bank of India Multi Asset Allocation Fund Direct Growth is a Multi Asset Allocation mutual fund schemes offered by BOI Mutual Fund. This fund has been in existence for 2 years, 3 months and 29 days, having been launched on 28-Feb-24.
As of 25-Jun-26, it has a Net Asset Value (NAV) of ₹12.79, Assets Under Management (AUM) of 358.77 Crores, and an expense ratio of 0.72%.

Bank of India Multi Asset Allocation Fund Direct Growth has given a CAGR return of 11.18% since inception.
The fund's asset allocation comprises around 41.72% in equities, 42.56% in debts, and 2.86% in cash & cash equivalents.
You can start investing in Bank of India Multi Asset Allocation 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

+11.17%

— (Cat Avg.)

Since Inception

+11.18%

— (Cat Avg.)

Portfolio Summaryas of 15th June 2026

Equity	₹149.66 Cr	41.72%
Debt	₹152.7 Cr	42.56%
Others	₹56.41 Cr	15.72%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
LIC Housing Finance Ltd	Bond - Corporate Bond	₹25.05 Cr	6.86%
Indian Railway Finance Corporation Limited	Bond - Corporate Bond	₹24.95 Cr	6.83%
ICICI Pru Gold ETF	Mutual Fund - ETF	₹21.97 Cr	6.01%
Muthoot Finance Limited	Bond - Corporate Bond	₹19.9 Cr	5.45%
Bajaj Finance Limited	Bond - Corporate Bond	₹18.05 Cr	4.94%
Tata Capital Housing Finance Limited	Bond - Corporate Bond	₹15.96 Cr	4.37%
DSP Gold ETF	Mutual Fund - ETF	₹13.13 Cr	3.59%
Nippon India ETF Gold BeES	Mutual Fund - ETF	₹12.72 Cr	3.48%
6.48% Govt Stock 2035	Bond - Gov't/Treasury	₹11.87 Cr	3.25%
ICICI Bank Ltd	Equity	₹11.06 Cr	3.03%
State Bank of India	Equity	₹10.48 Cr	2.87%
6.94% Govt Stock 2036	Bond - Gov't/Treasury	₹10.05 Cr	2.75%
Small Industries Development Bank Of India	Bond - Corporate Bond	₹10.03 Cr	2.75%
Quality Power Electrical Equipments Ltd	Equity	₹7.05 Cr	1.93%
Sky Gold and Diamonds Ltd	Equity	₹6.24 Cr	1.71%
Rec Limited	Bond - Corporate Bond	₹6.01 Cr	1.65%
HDFC Asset Management Co Ltd	Equity	₹5.51 Cr	1.51%
Dr Reddy's Laboratories Ltd	Equity	₹5.12 Cr	1.40%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹5.04 Cr	1.38%
Torrent Pharmaceuticals Ltd	Bond - Corporate Bond	₹4.97 Cr	1.36%
Tata Steel Ltd	Equity	₹4.93 Cr	1.35%
HDFC Bank Ltd	Equity	₹4.9 Cr	1.34%
CreditAccess Grameen Ltd Ordinary Shares	Equity	₹4.89 Cr	1.34%
UltraTech Cement Ltd	Equity	₹4.41 Cr	1.21%
Net Receivables / (Payables)	Cash	₹4.21 Cr	1.15%
FIEM Industries Ltd	Equity	₹4.2 Cr	1.15%
ICICI Prudential Asset Management Co Ltd	Equity	₹4.18 Cr	1.15%
Adani Ports & Special Economic Zone Ltd	Equity	₹3.79 Cr	1.04%
Bank of Baroda	Equity	₹3.73 Cr	1.02%
Prudent Corporate Advisory Services Ltd	Equity	₹3.65 Cr	1.00%
KRN Heat Exchanger and Refrigeration Ltd	Equity	₹3.63 Cr	0.99%
Mahindra & Mahindra Ltd	Equity	₹3.45 Cr	0.94%
Treps	Cash - Repurchase Agreement	₹3.41 Cr	0.93%
Goodluck India Ltd	Equity	₹3.18 Cr	0.87%
Vedanta Aluminium Metal Ltd	Equity	₹2.96 Cr	0.81%
Multi Commodity Exchange of India Ltd	Equity	₹2.75 Cr	0.75%
Housing & Urban Development Corp Ltd	Equity	₹2.75 Cr	0.75%
BSE Ltd	Equity	₹2.64 Cr	0.72%
Acutaas Chemicals Ltd	Equity	₹2.63 Cr	0.72%
Titan Co Ltd	Equity	₹2.57 Cr	0.70%
Kotak Mahindra Bank Ltd	Equity	₹2.52 Cr	0.69%
Apollo Hospitals Enterprise Ltd	Equity	₹2.41 Cr	0.66%
Coforge Ltd	Equity	₹2.38 Cr	0.65%
Tech Mahindra Ltd	Equity	₹2.34 Cr	0.64%
Reliance Industries Ltd	Equity	₹2.29 Cr	0.63%
Bharti Airtel Ltd	Equity	₹2.21 Cr	0.60%
Balrampur Chini Mills Ltd	Equity	₹2.21 Cr	0.60%
Shriram Finance Ltd	Equity	₹2.2 Cr	0.60%
Hindustan Aeronautics Ltd Ordinary Shares	Equity	₹2.14 Cr	0.59%
Power Grid Corp Of India Ltd	Equity	₹2.07 Cr	0.57%
Bharat Electronics Ltd	Equity	₹2.05 Cr	0.56%
Vedanta Limited	Bond - Corporate Bond	₹2.01 Cr	0.55%
Manappuram Finance Limited	Bond - Corporate Bond	₹2 Cr	0.55%
Cemindia Projects Ltd	Equity	₹1.94 Cr	0.53%
Sterlite Technologies Ltd	Equity	₹1.89 Cr	0.52%
Bajaj Auto Ltd	Equity	₹1.86 Cr	0.51%
Power Finance Corp Ltd	Equity	₹1.81 Cr	0.50%
Vedanta Ltd	Equity	₹1.8 Cr	0.49%
Computer Age Management Services Ltd Ordinary Shares	Equity	₹1.71 Cr	0.47%
Indian Bank	Equity	₹1.7 Cr	0.47%
TVS Srichakra Ltd	Equity	₹1.65 Cr	0.45%
ITC Ltd	Equity	₹1.21 Cr	0.33%
7.1% Govt Stock 2029	Bond - Gov't/Treasury	₹1.02 Cr	0.28%
PG Electroplast Ltd	Equity	₹0.74 Cr	0.20%
Tbill	Bond - Gov't/Treasury	₹0.58 Cr	0.16%
Vedanta Power Ltd	Equity	₹0.24 Cr	0.07%
Vedanta Oil and Gas Ltd	Equity	₹0.22 Cr	0.06%
Vedanta Iron and Steel Ltd	Equity	₹0.13 Cr	0.03%

Allocation By Market Cap (Equity)

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Sector	Amount	Holdings
Financial Services	₹64.76 Cr	17.73%
Basic Materials	₹20.25 Cr	5.54%
Consumer Cyclical	₹19.98 Cr	5.47%
Industrials	₹16.98 Cr	4.65%
Technology	₹12.68 Cr	3.47%
Healthcare	₹7.53 Cr	2.06%
Consumer Defensive	₹3.42 Cr	0.94%
Utilities	₹2.32 Cr	0.63%
Energy	₹2.29 Cr	0.63%
Communication Services	₹2.21 Cr	0.60%

Risk & Performance Ratios

Fund Managers

Mithraem Bharucha

Since February 2024

Nilesh Jethani

Since October 2024

Additional Scheme Detailsas of 15th June 2026

ISIN

INF761K01FZ3

Expense Ratio

0.72%

Exit Load

1.00%

Fund Size

₹359 Cr

Age

2 years 3 months

Lumpsum Minimum

₹5,000

Fund Status

Open Ended Investment Company

Benchmark

NIFTY 500 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.

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JM Multi Asset Allocation Fund Direct Growth High Risk	-	1.0%	-	-
Zerodha Life Cycle Fund 2036 Direct Growth Very High Risk	-	-	-	-
Zerodha Life Cycle Fund 2041 Direct Growth Very High Risk	-	-	-	-
Capitalmind Multi Asset Allocation Fund Direct Growth High Risk	0.5%	0.0%	₹36.04 Cr	-
Capitalmind Multi Asset Allocation Fund Regular Growth High Risk	2.0%	0.0%	₹36.04 Cr	-
The Wealth Company Multi Asset Allocation Fund Regular Growth Very High Risk	1.8%	1.0%	₹176.04 Cr	-
The Wealth Company Multi Asset Allocation Fund Direct Growth Very High Risk	0.3%	1.0%	₹176.04 Cr	-
PGIM India Multi Asset Allocation Fund Direct Growth Very High Risk	0.6%	0.0%	₹273.65 Cr	-
PGIM India Multi Asset Allocation Fund Regular Growth Very High Risk	2.3%	0.0%	₹273.65 Cr	-
360 ONE Multi Asset Allocation Fund Regular Growth High Risk	1.7%	1.0%	₹454.86 Cr	-
360 ONE Multi Asset Allocation Fund Direct Growth High Risk	0.4%	1.0%	₹454.86 Cr	-
Franklin India Multi Asset Allocation Fund Regular Growth Very High Risk	1.6%	0.0%	₹2803.63 Cr	-
Franklin India Multi Asset Allocation Fund Direct Growth Very High Risk	0.3%	0.0%	₹2803.63 Cr	-
Canara Robeco Multi Asset Allocation Fund Direct Growth Very High Risk	0.6%	1.0%	₹1288.90 Cr	9.7%
Canara Robeco Multi Asset Allocation Fund Regular Growth Very High Risk	1.8%	1.0%	₹1288.90 Cr	8.0%
LIC MF Multi Asset Allocation Fund Regular Growth Very High Risk	0.6%	1.0%	₹963.62 Cr	8.6%
LIC MF Multi Asset Allocation Fund Regular Growth Very High Risk	1.8%	1.0%	₹963.62 Cr	7.0%
Samco Multi Asset Allocation Fund Direct Growth Very High Risk	1.7%	1.0%	₹411.96 Cr	4.7%
Samco Multi Asset Allocation Fund Regular Growth Very High Risk	3.3%	1.0%	₹411.96 Cr	3.1%
Invesco India Multi Asset Allocation Fund Regular Growth Very High Risk	1.4%	1.0%	₹1107.74 Cr	13.6%
Invesco India Multi Asset Allocation Fund Direct Growth Very High Risk	0.4%	1.0%	₹1107.74 Cr	15.1%
Union Multi Asset Allocation Fund Regular Growth Very High Risk	1.8%	1.0%	₹963.51 Cr	13.1%
Union Multi Asset Allocation Fund Direct Growth Very High Risk	0.9%	1.0%	₹963.51 Cr	14.4%
Bajaj Finserv Multi Asset Allocation Fund Direct Growth Very High Risk	0.4%	1.0%	₹1851.25 Cr	10.7%
Bajaj Finserv Multi Asset Allocation Fund Regular Growth Very High Risk	1.7%	1.0%	₹1851.25 Cr	9.1%
Mahindra Manulife Multi Asset Allocation Fund Direct Growth Very High Risk	0.3%	0.0%	₹1117.94 Cr	15.8%
Mahindra Manulife Multi Asset Allocation Fund Regular Growth Very High Risk	1.6%	0.0%	₹1117.94 Cr	14.0%
Quantum Multi Asset Allocation Fund Regular Growth Very High Risk	2.0%	1.0%	₹57.17 Cr	1.6%
Quantum Multi Asset Allocation Fund Direct Growth Very High Risk	0.4%	1.0%	₹57.17 Cr	3.2%
HSBC Multi Asset Allocation Fund Direct Growth Moderate Risk	0.4%	1.0%	₹2979.17 Cr	17.4%
HSBC Multi Asset Allocation Fund Regular Growth Moderate Risk	1.6%	1.0%	₹2979.17 Cr	15.8%
Bank of India Multi Asset Allocation Fund Regular Growth High Risk	1.7%	1.0%	₹358.77 Cr	10.0%
Bank of India Multi Asset Allocation Fund Direct Growth High Risk	0.7%	1.0%	₹358.77 Cr	11.2%
Mirae Asset Multi Asset Allocation Fund Regular Growth High Risk	1.6%	1.0%	₹3422.92 Cr	9.8%
Mirae Asset Multi Asset Allocation Fund Direct Growth High Risk	0.3%	1.0%	₹3422.92 Cr	11.5%
Bandhan Multi Asset Allocation Fund Regular Growth Very High Risk	1.6%	0.0%	₹3380.49 Cr	14.6%
Bandhan Multi Asset Allocation Fund Direct Growth Very High Risk	0.3%	0.0%	₹3380.49 Cr	16.3%
Sundaram Multi Asset Allocation Fund Direct Growth High Risk	0.5%	1.0%	₹3286.20 Cr	7.6%
Sundaram Multi Asset Allocation Fund Regular Growth High Risk	1.8%	1.0%	₹3286.20 Cr	6.1%
DSP Multi Asset Allocation Fund Regular Growth Very High Risk	1.2%	1.0%	₹9801.76 Cr	17.5%
DSP Multi Asset Allocation Fund Direct Growth Very High Risk	0.3%	1.0%	₹9801.76 Cr	18.9%
Kotak Multi Asset Allocation Fund Direct Growth High Risk	0.5%	1.0%	₹13958.01 Cr	21.8%
Kotak Multi Asset Allocation Fund Regular Growth High Risk	1.7%	1.0%	₹13958.01 Cr	20.3%
Shriram Multi Asset Allocation Fund Direct Growth Very High Risk	0.9%	1.0%	₹138.81 Cr	8.7%
Shriram Multi Asset Allocation Fund Regular Growth Very High Risk	2.3%	1.0%	₹138.81 Cr	7.0%
Baroda BNP Paribas Multi Asset Fund Regular Growth High Risk	1.7%	1.0%	₹1427.85 Cr	7.1%
Baroda BNP Paribas Multi Asset Fund Direct Growth High Risk	0.8%	1.0%	₹1427.85 Cr	8.4%
Edelweiss Multi Asset Allocation Fund Regular Growth Low Risk	0.8%	0.0%	₹2658.45 Cr	6.3%
Edelweiss Multi Asset Allocation Fund Direct Growth Low Risk	0.5%	0.0%	₹2658.45 Cr	6.6%

About the AMC

BOI Mutual Fund

+91 22 40479000

https://www.boimf.in/

Total AUM

₹15,293 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 Banking and Financial Services Fund Direct Growth Very High Risk	1.1%	1.0%	₹273.08 Cr	-
Bank of India Mid Cap Fund Direct Growth Very High Risk	1.1%	1.0%	₹721.56 Cr	-
Bank of India Money Market Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹461.38 Cr	6.5%
Bank of India Consumption Fund Direct Growth Very High Risk	1.0%	1.0%	₹362.48 Cr	1.2%
Bank of India Business Cycle Fund Direct Growth Very High Risk	1.0%	1.0%	₹457.56 Cr	2.7%
Bank of India Multi Asset Allocation Fund Direct Growth High Risk	0.7%	1.0%	₹358.77 Cr	11.2%
Bank of India Midcap Tax Fund Series 1 Direct Growth Very High Risk	-	0.0%	₹63.77 Cr	7.0%
Bank of India Midcap Tax Fund Series 2 Direct Growth Very High Risk	-	0.0%	₹31.70 Cr	1.9%
Bank of India Mid & Small Cap Equity & Debt Direct Growth Very High Risk	0.6%	1.0%	₹1554.32 Cr	10.2%
Bank of India Conservative Hybrid Fund Direct Growth Moderately High risk	0.9%	1.0%	₹64.12 Cr	3.3%
Bank of India Balanced Advantage Fund Direct Growth Very High Risk	1.1%	1.0%	₹156.03 Cr	5.5%
Bank of India Multi Cap Fund Direct Growth Very High Risk	0.7%	1.0%	₹1109.57 Cr	11.3%
Bank of India Bluechip Fund Direct Growth Very High Risk	0.8%	1.0%	₹213.25 Cr	5.8%
Bank of India Flexi Cap Fund Direct Growth Very High Risk	0.5%	1.0%	₹2459.86 Cr	9.3%
Bank of India Large & Mid Cap Equity Fund Direct Growth Very High Risk	1.0%	1.0%	₹472.53 Cr	6.0%
Bank of India Liquid Direct Growth Low to Moderate Risk	0.1%	0.0%	₹1720.03 Cr	6.3%
Bank of India S/T Income Direct Growth Low to Moderate Risk	0.5%	0.0%	₹266.69 Cr	5.6%
Bank of India Manufacturing and Infrastructure fund Direct Growth Very High Risk	0.6%	1.0%	₹789.05 Cr	17.5%
Bank of India Tax Advantage Fund Direct Growth Very High Risk	0.8%	0.0%	₹1380.17 Cr	3.9%
Bank of India Ultra Short Duration Fund Direct Growth Low to Moderate Risk	0.4%	0.0%	₹139.98 Cr	6.4%
Bank of India Credit Risk Fund Direct Growth Moderately High risk	1.0%	3.0%	₹87.95 Cr	17.4%
Bank of India Small Cap Fund Direct Growth Very High Risk	0.4%	1.0%	₹2318.41 Cr	16.8%
Bank of India Overnight Fund Direct Growth Low Risk	0.1%	0.0%	₹143.37 Cr	5.6%
Bank of India Arbitrage Fund Direct Growth Low Risk	0.4%	0.0%	₹48.48 Cr	6.1%

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

The NAV of Bank of India Multi Asset Allocation Fund Direct Growth, as of 25-Jun-2026, is ₹12.79.

What is the portfolio composition of Bank of India Multi Asset Allocation Fund Direct Growth?

The fund's allocation of assets is distributed as 41.72% in equities, 42.56% in bonds, and 2.86% in cash and cash equivalents.

Who manages the Bank of India Multi Asset Allocation Fund Direct Growth?

The fund managers responsible for Bank of India Multi Asset Allocation Fund Direct Growth are:-

Mithraem Bharucha
Nilesh Jethani

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 Multi Asset Allocation Fund Direct Growth

Fund Overview