Bank of India Consumption Fund - Regular - Growth
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Downside capture of 113% indicates larger drops during broader market downturns.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +7.28% | +6.32% | +0.96% |
| 3 Months | -0.44% | -0.20% | -0.24% |
| 6 Months | +8.62% | +5.98% | +2.64% |
| 1 Year | +1.34% | +3.90% | -2.56% |
| Since Inception | +6.79% | - | - |
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +1.70% | +4.03% | -2.33% |
| 2025 | +11.28% | +1.43% | +9.85% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -9.17% | +3.12% | +2.28% | +15.92% | 70.2% | 48.2% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2025-10-29 | 2026-03-30 | -15.7% | 5 months | 4 months |
| 2025-02-05 | 2025-03-03 | -12.1% | 1 months | 2 months |
| 2026-08-25 | 2026-10-23 | -10.4% | 2 months | Not yet recovered |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity & Equity related instruments of companies engaged in consumption and consumption related themes or allied themes - 80% to 100% Residual Portion: Other Equity & Equity Related Instruments - 00% to 20% Money Market Instruments, Other Liquid Instruments, Gold and Silver Instruments (ETFs only) and units of Domestic Mutual Fund Schemes - 00% to 20% Units issued by InvITS - 00% to 10 % | Per Scheme Mandate |
Investment Objective & Strategy
The Investment objective of the Scheme is to provide long-term capital appreciation from an actively managed portfolio of equity and equity related securities of companies engaged in consumption and consumption related sector or allied sectors. However, there is no assurance that the investment objective of the Scheme will be achieved.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 364 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as small relative to Sectoral / Thematic schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Sectoral / Thematic Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| quant PSU Fund | 1.5 | - | 3.33% | 128.8% | Rs 398 cr | Compare → |
| Aditya Birla Sun Life Conglomerate Fund | 4.0 | - | 2.30% | 115.7% | Rs 1,543 cr | Compare → |
| Quantum Ethical Fund | 4.7 | - | 2.31% | 99.6% | Rs 142 cr | Compare → |
| Sundaram Business Cycle Fund | 3.3 | - | 2.51% | 124.6% | Rs 1,691 cr | Compare → |
| Shriram Multi Sector Rotation Fund | 3.3 | - | 2.69% | 95.8% | Rs 157 cr | Compare → |
Frequently Asked Questions about Bank of India Consumption Fund
What is the expense ratio of Bank of India Consumption Fund?
Bank of India Consumption Fund has a total expense ratio (TER) of 2.73% with a base expense ratio of 2.1%, compared to the Sectoral / Thematic category median of 2.52%.
Who manages Bank of India Consumption Fund?
Bank of India Consumption Fund is managed by Nitin Gosar (tenure: 1.9 years since 2024-12-20).
What are the historical returns of Bank of India Consumption Fund?
Bank of India Consumption Fund has a 1-year return of +1.34%.
How large is Bank of India Consumption Fund?
Bank of India Consumption Fund manages assets of Rs 364 cr, placing it in the 'small' size band relative to Sectoral / Thematic peers.
How is Bank of India Consumption Fund scored on MFIQ?
Bank of India Consumption Fund holds an MFIQ Score of 3.3/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is Bank of India Consumption Fund?
Bank of India Consumption Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 13.47% with a maximum historical drawdown of -15.66%.