Differentiation factors | Bank of India Small Cap Fund (BOISCF) |
Bank of India Flexi Cap Fund (BOIFCF) | Bank of India Bluechip Fund (BOIBF) | Bank of India Multi Cap Fund (BOIMF) | Bank of India Multi Asset Allocation Fund (BOIMAAF) | Bank of India Business Cycle Fund (BOIBCF) | Bank of India Consumption Fund (BOICOF) |
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Type of Scheme | An open ended equity scheme investing predominantly investing in small cap stocks |
An open ended dynamic equity scheme investing across large cap, mid cap, small cap stocks | An open ended equity scheme predominantly investing in Large Cap Stocks | An open ended equity scheme investing across large cap, mid cap, small cap stocks | An open ended scheme investing in Equity, Debt and Gold ETF | An open ended equity scheme investing in sector based on its business cycle | An open ended equity scheme following consumption theme |
Objective of the Scheme | The investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity-related securities of small cap companies. However, there can be no assurance that the investment objectives of the Scheme will be realized. |
The investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities across various market capitalisation. However, there can be no assurance that the investment objectives of the Scheme will be realized. | The investment objective of the scheme is to provide investors with the opportunities of long term capital appreciation by investing predominantly in equity and equity-related instruments of large cap companies. However, there can be no assurance that the income can be generated, regular or otherwise, or the Investment Objective of the scheme will be realized. | The investment objective of the scheme is to generate long term capital appreciation by investing in equity and equity-related securities across various market capitalisation. However, there can be no assurance that the investment objectives of the Scheme will be realized. | The investment objective of the scheme is to seek long term capital growth by predominantly investing in equity and equity related securities, debt & money market instruments and Gold ETF. However, there can be no assurance that the investment objectives of the Scheme will be realized. The Scheme does not guarantee/ indicate any returns. | The Investment objective of the Scheme is to generate long-term capital appreciation by investing predominantly in equity and equity related securities through dynamic allocation between various sectors and stocks at different stages of business cycles in the economy. However, there is no assurance that the investment objective of the Scheme will be achieved. | 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. |
Asset Allocation | - Equity & Equity related instruments of Small Cap Companies - 65% to 100% (High)
- Equity & Equity related instruments of Companies other than Small Cap Companies – 0% to 35% (High)
- Debt & money market instruments – 0% to 35% (Low to Medium)
- Units issued by REITs and InvITs - 0 to 10% (Medium to High)
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- Equity & Equity related securities^ 65% to 100% (Medium)
- Debt including Corporate Debt and Money Market instruments-0% to 35%( Low to Medium)
- Units issued by REITs and InvITs 0 to 10% (Medium to High^
^ (including derivative instruments to the extent of 50% of the Net Assets of the Scheme. Investment in derivatives shall be for hedging, portfolio balancing and such other purposes as may be permitted from time to time under the Regulations and subject to guidelines issued by SEBI/RBI from time to time.)
| - Equity & Equity related instruments of Large Cap Companies - 80% to 100% (High)
- Equity & Equity related instruments of Companies Mid & Small Cap Companies – 0% to 20% (High)
- Debt including Corporate Debt and Money Market instruments - 0 to 20% (Low to Medium)
- Units issued by REITs and InvITs - 0 to 10% (Medium to High)
^ (including derivative instruments to the extent of 50% of the Net Assets of the Scheme. Investment in derivatives shall be for hedging, portfolio balancing and such other purposes as may be permitted from time to time under the Regulations and subject to guidelines issued by SEBI/RBI from time to time.)
| - Equity & Equity related securities (75% to 100%) (Very High) :
Minimum investment in Equity & Equity related instruments of Large Cap companies-25% of total assets.
Minimum investment in Equity & Equity related instruments of Mid Cap companies-25% of total assets.
Minimum investment in Equity & Equity related instruments of Small Cap companies-25% of total assets
- Debt and Money Market instruments#-0% to 25% (Low to Medium)
- Units issued by REITs and INVITs- 0% to 10% (Very High)
#Money Market instruments includes commercial papers, commercial bills, treasury bills, Government securities having an unexpired maturity up to one year, call or notice money, certificate of deposit, usance bills, and any other like instruments as specified by the Reserve Bank of India from time to time;
| - Equity & Equity related instruments (35%-40%) (Very High)
- Debt and Money Market instruments# (45%-55%) (Low to Medium)
- Gold ETF (10%-15%) (High)
- Units issued by REITs and INVITs (0% -10%) (Very High)
#Money Market instruments includes commercial papers, commercial bills, treasury bills, Government securities having an unexpired maturity up to one year, call or notice money, certificate of deposit, usance bills, and any other like instruments as specified by the Reserve Bank of India from time to time;
| - Equity and Equity Related Instruments selected on the basis of business cycle (80%- 100%)- very high
- Debt and Money Market instruments#* (0% to 20%) Low to medium
- ReITS and InVITS (0% to 10%)- Very High
#Money Market instruments includes commercial papers, commercial bills, treasury bills, Tri-party repo, Government securities having an unexpired maturity up to one year, call or notice money, certificate of deposit, usance bills, and any other like instruments as specified by the Reserve Bank of India from time to time.
*The debt and money market instruments may include cash and cash equivalents.
| - Equity & Equity related instruments of companies engaged in consumption and consumption related sector or allied sectors# (80%- 100%) (Very High)
- Other Equity & Equity Related Instruments (0%- 20%) (Very high)
- Debt and Money Market instruments*$ (0%-20%) (Low to Medium)
- Units issued by REITs and InVITS (0%-10%) (Very High)#For determining list of the companies eligible under consumption theme, the AMC will consider the Industry list published by NSE Indices for NIFTY India Consumption Index. *Money Market instruments includes commercial papers, commercial bills, treasury bills, Tri-party repo, Government securities having an unexpired maturity up to one year, call or notice money, certificate of deposit, usance bills, and any other like instruments as specified by the Reserve Bank of India from time to time. $The debt and money market instruments may include cash and cash equivalents
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Who should invest in the scheme | The fund is suitable for investors who have a medium to long term investment horizon, and
Prior experience in equity investing. The scheme is Ideal for small cap investors who can patiently invest and those willing to absorb short-term volatility and the risks associated with
investing in equities, especially small cap companies.
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This fund would be better suited for investors who are looking to balance risk and volatility in a single portfolio and those who have a moderate risk appetite for equities. Investors looking for a fund with a dynamic investment strategy and having long-term financial goals should also consider this fund.
| The fund is suited to investors with conservative risk profile or first time investors.
| Suitable for investors looking to invest in opportunities across the market cap (large, mid and small) & to optimise returns while minimising volatility. | The multi-asset allocation Mutual Funds are deemed suitable for investors who want stability in their investments. The portfolio allocation to three asset classes help investors to even out the risk when some asset classes are underperforming. | Suitable for High Risk Appetite investor. Invetsors looking for an equity oriented portfolio that aims to invest dynamically across businesses and sectors that are expected to be impacted positively by medium to long term growth themes. The scheme is suitable for investors having investment horizon of 5 years and above. | The Scheme would be more suitable for investors who are desirous of increasing their exposure to consumption and allied sectors in their personal equity portfolio. Thus,this Scheme could act as a "top up" over existing investments of such investors in diversified equity funds. |
Assets under Management (As on May 31, 2025) (Rs. in crore) | 1,818.64 |
2,152.70 | 210.50 | 856.73 | 356.14 | 563.70 | 382.68 |
No of folios as on May 31, 2025 | 1,93,741 |
1,13,014 | 12,800 | 59,384 | 13,916 | 32,012 | 20,644 |