Loading mutual fund details…
Bank of India Consumption Fund - Regular - Growth is an equity scheme managed by Bank of India Mutual Fund. It has ranked in the top half of its category for 1 of the last 1 reported years. Risk-adjusted return (Sharpe ratio) is 0.00. The total expense ratio is 2.86% 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 Mid-Growth on the 3x3 equity style box, with 78% of its portfolio classified as of 2026-04-30.
| 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.
| Scheme | AMC | AUM | TER | 3Y |
|---|
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 |
|---|
| Aditya Vision Ltd | Consumer Cyclical | 2.88% |
| Bharti Hexacom Limited | Communication Services | 2.30% |
| Aditya Birla Real Estate Limited | Real Estate | 1.84% |
| Senco Gold Limited | Consumer Cyclical | 1.25% |
| Sector | Holdings | Weight |
|---|---|---|
| Telecom - Services | 1 | 11.91% |
| Diversified FMCG | 2 | 10.95% |
| Retailing | 1 | 10.94% |
| Automobiles | 3 | 9.76% |
| Consumer Durables | 1 | 9.31% |
| Food Products | 2 | 6.89% |
| Beverages | 1 | 4.08% |
| Auto Components | 3 | 3.66% |
| Entertainment | 1 | 3.53% |
| Pharmaceuticals & Biotechnology | 2 | 3.46% |
| Realty | 1 | 3.28% |
| Healthcare Services | 1 | 2.68% |
| Personal Products | 1 | 2.55% |
| Financial Technology (Fintech) | 1 | 2.51% |
| Power | 1 | 1.96% |
| Insurance | 1 | 1.93% |
| Cigarettes & Tobacco Products | 1 | 1.92% |
| Paper, Forest & Jute Products | 1 | 1.84% |
| Fertilizers & Agrochemicals | 1 | 1.79% |
| Agricultural Food & other Products | 1 | 1.04% |
| Finance | 1 | 0.76% |
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.
How crowded into the same stocks is this fund vs the largest fund in its category?
Category leader = highest-AUM scheme in the same SEBI category. A high overlap-of-weight number means the fund is concentrated into the same names as the leader (crowded); a low one means it's genuinely differentiated.
| P75 |
|---|
| Max |
|---|
| Positive % |
|---|
| 1Y | -2.17% | 2.25% | 5.78% | 10.05% | 16.87% | 93.2% |
Each cell is one year. Q1 = top quartile within the AMFI category for that period. Cell label is the last two digits of the year.
Top-10 weight 8.3% means the portfolio is broad — even the top names don't dominate. 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.
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.
| 5Y |
|---|
| Star |
|---|