Mutual Funds
AMC
Bank of India Multi Asset Allocation Fund-Dir (IDCW)

Bank of India Multi Asset Allocation Fund-Dir (IDCW)

Multi Asset Allocation

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NAV
11.47(-0.12%)
Fund Size (CR)
₹341.64
Expense Ratio
0.81
Scheme Type
Active Fund
Value Research

Min. investment
₹5,000
Minimum Additional Investment
₹1,000
Minimum SIP Investment
₹1,000
Minimum Withdrawal
₹1,000
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
0%
Return Since Launch
9.68%

Absolute Return: 0.69%

Annualized Return: 0%

Basic Details

Scheme Manager

Mithraem Bharucha

Bench Mark

37.50% of Nifty 500 TRI + 50% of Nifty Composite Debt Index + 12.50% of Domestic Prices of Gold

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	19 August 2025	9995.99	-0.04%	-	-0.32%	19/116
1 Month	25 July 2025	9967.44	-0.33%	-	-0.09%	76/112
3 Month	26 May 2025	10093.28	0.93%	-	2.00%	91/108
6 Month	25 February 2025	10932.18	9.32%	-	10.19%	73/108
1 Year	26 August 2024	10389.89	3.90%	3.90%	6.01%	74/94
3 Year	-	-	0%	-	16.64%	-/-
5 Year	-	-	0%	-	17.52%	-/-
Since Inception	28 February 2024	11480.10	14.80%	9.68%	12.06%	86/120

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	2 September 2024	1,20,000	124288.34	3.57%	3.57%
3 Year	-	-	-	-	-
5 Year	-	-	-	-	-
10 Year	-	-	-	-	-

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Expected Returns Rate (%)

Time Period (in Years)

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

2.43%

Standard Deviation

0.55%

Beta

0.55%

Sharpe Ratio

0.01%

Treynor's Ratio

3.17%

Jension's Alpha

Asset Allocation

Sector Allocation

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
ICICI Bank	2.29%	54000	7.71	Equity	Banks
SBI	2.20%	89617	7.41	Equity	Banks
Siemens Ener.Ind	1.79%	19000	6.03	Equity	Power Generation & Distribution
Vedanta	1.53%	120000	5.16	Equity	Mining & Mineral products
M & M	1.46%	15100	4.93	Equity	Automobile
Dr Reddy's Labs	1.36%	36500	4.60	Equity	Pharmaceuticals
Coforge	1.18%	24300	3.99	Equity	IT - Software
Infosys	1.12%	26000	3.76	Equity	IT - Software
Bank of Baroda	1.08%	150000	3.64	Equity	Banks
Bharti Airtel	1.06%	19100	3.58	Equity	Telecomm-Service

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Bank of India Multi Asset Allocation Fund-Dir (IDCW)	341.64	-0.33%	0.93%	9.32%	3.90%	-
WhiteOak Capital Multi Asset Allocation-Dir (G)	3039.83	0.51%	2.48%	9.80%	15.00%	-
DSP Multi Asset Allocation Fund - Direct (G)	3645.39	-0.78%	2.73%	9.61%	11.15%	-
DSP Multi Asset Allocation Fund - Direct (IDCW)	3645.39	-0.78%	2.73%	9.61%	11.15%	-
Nippon India Multi Asset Allocation Fund-Dir (IDCW)	6649.41	0.57%	3.62%	12.71%	9.13%	19.49%
Nippon India Multi Asset Allocation Fund-Dir (G)	6649.41	0.57%	3.62%	12.71%	9.13%	19.49%

List of Schemes under Bank of India Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
Bank of India Large & Mid Cap Fund	Equity	Very High	-6.43%	2	₹418.30
Bank of India Liquid Fund	Debt	Moderately Low	7.14%	4	₹1,821.48
Bank of India Short Term Income Fund	Debt	Moderately Low	10.51%	0	₹216.32
Bank of India Ultra Short Duration Fund	Debt	Moderate	7.51%	1	₹196.19
Bank of India Conservative Hybrid Fund	Hybrid	Moderate	3.64%	3	₹68.75
Bank of India ELSS Tax Saver	Equity	Very High	-10.3%	2	₹1,432.23
Bank of India Manufacturing & Infrastructure Fund	Equity	Very High	-3.56%	4	₹606.65
Bank of India Balanced Advantage Fund	Hybrid	Very High	-2.6%	1	₹143.22
Bank of India Credit Risk Fund	Debt	Moderately High	6.4%	2	₹107.24
Bank of India Mid & Small Cap Equity & Debt Fund	Hybrid	Very High	-1.72%	4	₹1,249.57
Bank of India Midcap Tax Fund - Series 1	Equity	Very High	-6.34%	0	₹65.95
Bank of India Arbitrage Fund	Hybrid	Low	7.1%	1	₹43.43
Bank of India Midcap Tax Fund - Series 2	Equity	Very High	-5.77%	0	₹34.25
Bank of India Small Cap Fund	Equity	Very High	-1.65%	3	₹1,907.82
Bank of India Overnight Fund	Debt	Low	6.4%	5	₹49.21
Bank of India Flexi Cap Fund	Equity	Very High	-6.92%	4	₹2,208.92
Bank of India Large Cap Fund	Equity	Very High	-5.91%	3	₹209.10
Bank of India Multi Cap Fund	Equity	Very High	-2.74%	0	₹902.47
Bank of India Multi Asset Allocation Fund	Hybrid	Very High	4.08%	0	₹346.69
Bank of India Business Cycle Fund	Equity	Very High	0%	0	₹575.53
Bank of India Consumption Fund	Equity	Very High	0%	0	₹391.31
Bank of India Money Market Fund	Debt	Moderately Low	0%	0	₹137.06
Bank of India Mid Cap Fund	Equity	Very High	0%	0	₹0.00

News

Bank of India Mutual Fund announces change in Key Personnel
Bank of India Mutual Fund has announced that Mr. Deep Mehta has been appointed as a Equity Dealer on the Board of the Trustee Company with effect from July 14, 2025.
Details of Mr. Deep Mehta,
Age: 29
Designation: Equity Dealer
Qualification : ' CFA Level 3 (Cleared)
' CMT Level 3 (Cleared)
' B.Tech Mechanical
Experience : 8 years
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Bank of India Mutual Fund announces change in fund manager under its schemes

Bank of India Mutual Fund has announced change in fund manager under the following schemes, With effect from 14 July 2025

Change in Fund Manager:

Name of the Scheme(s)	Existing Fund Manager(s)	New Fund Manager(s)
Bank of India Arbitrage Fund	Mr. Firdaus Ragina	Mr. Nilesh Jethani
Bank of India Small Cap Fund	Mr. Alok Singh	' Mr. Alok Singh ' Mr. Nav Bhardwaj (Assistant Fund Manager)

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Bank of India Mutual Fund announces change in scheme name
Bank of India Mutual Fund has announced change in scheme name under the following schemes, with effect from July 22, 2025.
Change in the name of the Scheme:

Existing Scheme Name Revised Scheme Name

Bank of India Bluechip Fund Bank of India Large Cap Fund
Bank of India Large & Mid Cap Equity Fund Bank of India Large & Mid Cap Fund

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Existing Scheme Name	Revised Scheme Name
Bank of India Bluechip Fund	Bank of India Large Cap Fund
Bank of India Large & Mid Cap Equity Fund	Bank of India Large & Mid Cap Fund

Fund House Details & Investment Objective

Date of Incorporation

7 February 2024

Total AUM (Cr)

₹337.12

Bank of India Multi Asset Allocation Fund-Dir (IDCW) is an Multi Asset Allocation-oriented fund from the renowned AMC, Bank of India Mutual Fund. Launched in 7 February 2024, this fund is managed by Mithraem Bharucha. With assets under management (AUM) worth ₹337.12 (Cr), as of 28 August 2025, Bank of India Multi Asset Allocation Fund-Dir (IDCW) is categorized as a Multi Asset Allocation within its segment. The fund has generated a return of 9.68% since its launch.
The current NAV of Bank of India Multi Asset Allocation Fund-Dir (IDCW) is ₹11.47, as on 28 August 2025. The fund's benchmark index is 37.50% of Nifty 500 TRI + 50% of Nifty Composite Debt Index + 12.50% of Domestic Prices of Gold. You can invest in Bank of India Multi Asset Allocation Fund-Dir (IDCW) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹1,000 while the minimum lumpsum investment is ₹5,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
For Redemption/switch out - of up to 10% of the initial units allotted - within 1 year from the date allotment - Nil 1.00% - If the units are swiched out within 1 year from the date of allotment of units Nil - If the units are redeemed/switched out after 1 year from the date of allotment of units. The fund has generated undefined% and undefined% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 37.38% in Equity, 45.67% in Debt and 16.95% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 46.16% in Debt, 14.94% in Others, 7.07% in Banks, 3.13% in Finance, 3.09% in Pharmaceuticals & Biotech