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Bank of India Consumption Fund - Direct - Growth is an equity scheme managed by Bank of India Mutual Fund. The total expense ratio is 1.65% on assets of ₹375Cr. The fund is currently managed by Mr. Nitin Gosar, appointed within the last year.
Lower is better.
This scheme classifies as Large-Blend on the 3x3 equity style box, with 88% of its portfolio classified as of 2026-05-29.
| Holding | Sector |
|---|
| Window | Min | P25 | Median |
|---|
Point-in-time CAGRs cherry-pick a single start date. The chart below shows the distribution of every possible rolling start over the fund's history, so you see the range of investor outcomes — not just one date's number.
Backtested SIP outcomes across both rolling-window scenarios and named historical stress events (COVID, Election uncertainty, Russia/Ukraine, etc.), plus per-manager alpha during their tenure on this scheme.
Same fund, monthly SIPs over rolling 1/3/5-year windows.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future results. MintByte is an AMFI-registered Mutual Fund Distributor (ARN-314872) and APMI member (APRN-01658). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Star ratings on this page reflect a 3-year category-quartile position computed in-house and are educational only.
Mutual fund schemes are subject to market risk. Read all scheme-related documents carefully before investing. Past performance is not indicative of future results. MintByte is an AMFI-registered mutual fund distributor (ARN-314872). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Not investment advice. Methodology · How we earn.
In-house derivations using 3-year daily NAV vs benchmark. See methodology.
| Weight |
|---|
| BHARTI AIRTEL LIMITED | Communication Services | 9.61% |
| ITC LIMITED | Consumer Defensive | 8.91% |
| BRITANNIA INDUSTRIES LIMITED | Consumer Defensive | 6.87% |
| MAHINDRA AND MAHINDRA LIMITED | Consumer Cyclical | 4.51% |
| UNITED SPIRITS LIMITED | Consumer Defensive | 4.08% |
| FSN E-COMMERCE VENTURES LIMITED | Consumer Cyclical | 3.91% |
| OBEROI REALTY LIMITED | Real Estate | 3.28% |
| MARUTI SUZUKI INDIA LIMITED | Consumer Cyclical | 3.00% |
| Aditya Vision Ltd | Consumer Cyclical | 2.88% |
| STYLAM INDUSTRIES LIMITED | Consumer Cyclical | 2.83% |
| APOLLO HOSPITALS ENTERPRISE LIMITED | Healthcare | 2.68% |
| ERIS LIFESCIENCES LIMITED | Healthcare | 2.66% |
| EMAMI LIMITED | Consumer Defensive | 2.55% |
| PB FINTECH LIMITED | Financial Services | 2.51% |
| S.J.S. ENTERPRISES LIMITED | Consumer Cyclical | 2.46% |
| DIXON TECHNOLOGIES (INDIA) LIMITED | Technology | 2.46% |
| Bharti Hexacom Limited | Communication Services | 2.30% |
| HERO MOTOCORP LIMITED | Consumer Cyclical | 2.25% |
| AVENUE SUPERMARTS LIMITED | Consumer Defensive | 2.15% |
| HINDUSTAN UNILEVER LIMITED | Consumer Defensive | 2.04% |
| NTPC LIMITED | Utilities | 1.96% |
| GODFREY PHILLIPS INDIA LIMITED | Consumer Defensive | 1.92% |
| ADITYA BIRLA REAL ESTATE LIMITED | Real Estate | 1.84% |
| BAYER CROPSCIENCE LIMITED | Basic Materials | 1.79% |
| Senco Gold Limited | Consumer Cyclical | 1.25% |
| Sector | Holdings | Weight |
|---|---|---|
| Fast Moving Consumer Goods | — | 27.43% |
| Automobile and Auto Components | — | 13.42% |
| Telecommunication | — | 11.91% |
| Consumer Services | — | 10.94% |
| Consumer Durables | — | 9.31% |
| Healthcare | 3 | 6.14% |
| Financial Services | 2 | 5.20% |
| Media, Entertainment & Publication | — | 3.53% |
| Realty | — | 3.28% |
| Power | — | 1.96% |
Active bets vs the average Equity fund. Biggest deviations shown first.
Accent bar = fund's actual sector weight. Vertical black tick = category average for the same sector. Green overlay = overweight, dashed red = underweight. The biggest active bets show first.
| P75 |
|---|
| Max |
|---|
| Positive % |
|---|
| 1Y | 0.00% | 3.54% | 7.17% | 11.32% | 18.28% | 99.1% |
Top-10 weight 49.9% means concentration is in line with most actively-managed Indian equity funds. Effective-N is the inverse Herfindahl index — a measure of "how many positions effectively drive the fund" after weighting. Category: Equity.
Compounding maths on a notional ₹10 lakh lumpsum at 12% gross annual return. Green bar is what you'd have without the fee; red overlay is the fee drag. Fee is constant in this scenario — actual outcomes depend on real returns and any future TER changes.
What an investor SIPping into this fund actually got during named market shocks.
Each row is a back-tested SIP — monthly contribution over the regime's duration, no fees adjustment beyond NAV-baked TER. XIRR is the annualised IRR of those cashflows; Abs return is the absolute cash-on-cash; Max DD is the deepest drawdown experienced mid-investment. Past performance is not indicative of future results.
Alpha is the annualised excess return vs benchmark over the manager's tenure on this scheme. Beat-benchmark = total return beat the index over the same window.