Fundalysisby DARKHORSESTOCKS

Scheme

Bank of India Consumption Fund

Holds 37 companies worth ₹326 Cr in Sept 2026.

  • Fund house

    BOI AXAThe fund house that runs this scheme.

  • AUM

    ₹346 CrBank of India Consumption Fund's AUM at the end of 30 Sept 2026, as AMFI reports it. Down 6.4% on Aug 2026, ₹370 Cr.

  • Largest holding

    Bharti Airtel LimitedBharti Airtel Limited is 9.7% of this scheme's NAV.

  • Fund manager

    Nitin GosarRuns it since 20 Dec 2024, as the fund house dates it.

Overview(6 Oct 2026)

Fund managers1

  1. Nitin GosarFund manager, equity · Dec 2024

    Key facts

    Benchmark
    Nifty India Consumption TRI
    Risk
    Very High
    Expense
    Regular 2.73% · Direct 1.53%
    Exit load
    10% within 3 months
    Started
    20 Dec 2024
    Minimum
    ₹5,000

    Source.Its Scheme Summary Document as of 6 Oct 2026 at AMFI.

    What changed(20 changes)

    Oct 2026

    1 change
    1. Expense ratio
      6 OctRegular 2.72% → 2.73%Direct 1.52% → 1.53%

    Sept 2026

    1 change
    1. Expense ratio
      22 SeptRegular 2.47% → 2.72%Direct 1.27% → 1.52%

    May 2026

    6 changes

    Source.Its filings at NSE, since Dec 2024.

    Fund managers over time(Dec 2024 – now)

    1. Nitin Gosar
    MainCoSlice20252026
    Fig. 1.Who ran it when: each manager from the date the fund house gives, or the first document listing them where it gives none, to when they left. A slice is part of it: overseas, gold and silver, or arbitrage.

    Costs(Dec 2024 – Oct 2026)

    Every change to the expense ratio, newest first.
    21 changesRegularDirectΔ pt
    6 Oct 20262.73%1.53%0.01
    22 Sept 20262.72%1.52%0.25
    12 May 20262.47%1.27%2.18
    10 May 20264.65%3.45%0.07
    7 May 20264.59%3.38%0.40
    6 May 20264.98%3.78%2.19
    5 May 20262.80%1.59%0.80
    3 May 20263.59%2.39%0.43
    29 Apr 20264.02%2.82%1.55
    27 Apr 20262.47%1.27%0.35
    17 Apr 20262.83%1.62%0.04
    8 Apr 20262.86%1.66%0.40
    21 Nov 20252.48%1.26%0.21
    20 Aug 20252.52%1.47%0.18
    8 Jul 20252.48%1.29%0.01
    19 Jun 20252.48%1.30%0.12
    12 Jun 20252.46%1.18%0.02
    17 Mar 20252.46%1.20%0.02
    7 Mar 20252.45%1.18%0.04
    30 Dec 20242.40%1.14%0.06
    26 Dec 20242.46%1.20%–
    Direct plan, 6 Oct 2026
    1.53%
    Regular plan 2.73% · Exit load 10% within 3 months
    Fig. 1.Total expense ratio a year, each plan's, as its Scheme Summary Documents state it, filing by filing at NSE. A change holds until the next.

    Objective and risk(6 Oct 2026)

    Objective

    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.

    Risk, type and benchmark

    Riskometer
    Very High
    At launch
    Very High
    Type
    An open ended equity scheme investing in consumption theme
    Benchmark
    Nifty India Consumption TRI

    Asset allocation it may hold% of NAV

    1. Equity & Equity related instruments of companies engaged in consumption and consumption related themes or allied themes
      Allowed80–100%
    2. Other Equity & Equity Related Instruments
      Allowed0–20%
    3. Money Market Instruments, Other Liquid Instruments, Gold and Silver Instruments (ETFs only) and units of Domestic Mutual Fund Schemes
      Allowed0–20%
    4. Units issued by InvITS
      Allowed0–10%Holds0.0%

    Holds in Sept 2026.94.3% equity · 5.7% debt and cash

    How to invest(6 Oct 2026)

    Buying

    To start
    ₹5,000, then in multiples of ₹1
    To add
    ₹1,000, then in multiples of ₹1
    Most
    ₹99,99,99,99,999
    Systematic
    SIP - Weekly & Monthly, SWP - Monthly & Quarterly, STP - Daily, Weekly & Monthly
    Dates
    SIP - Weekly (Monday to Friday) & Monthly (any day - 1 to 28), SWP - Monthly (01,07,10,15,20,25) & Quarterly (01,07,10,15,20,25), STP - Daily (any day - 1 to 28), Weekly (Monday to Friday) & Monthly (01,07,10,15,20,25) If such a day is a Holiday/Non-Business day, then the next Business Day
    Minimum
    SIP - 1000, SWP - 1000 & STP - 1000, then sIP - 1, SWP - 1 & STP - 1
    Instalments
    SIP - Weekly 12 & Monthly 6, SWP - Monthly 6 & Quarterly 4, STP - Daily 30, Weekly 12 & Monthly 6
    Most
    ₹99,99,999

    Selling and switching

    To redeem
    ₹1 or 0.001 units
    Minimum balance
    ₹0.01 or 0.001 units
    Switch minimum
    ₹5,000 or 0.001 units
    Switch multiples
    ₹1 or 0.001 units
    Switch most
    ₹99,99,99,99,999 or 99999999999 units

    Scheme details(6 Oct 2026)

    What it is

    Category
    Thematic Fund
    Offer
    29 Nov 2024 to 13 Dec 2024
    Started
    20 Dec 2024
    Reopened
    23 Dec 2024
    Plans
    Regular Plan and Direct Plan. Each of the Plan shall offer the following Option: · •Growth Option · • IDCW Option (Reinvestment of IDCW & payout of IDCW facility)
    Face value
    ₹10
    Listed
    No

    How it is run

    Swing pricing
    No
    Side-pocketing
    Enabling provision in SID. However, no segregated portfolio is created
    Custodian
    Deutsche Bank AG
    Auditor
    Chokshi & Chokshi LLP (Statutory Auditors)
    Registrar
    KFin Technologies Limited
    SEBI code
    BOIA/O/E/SEC/24/11/0021