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Home โ€บ Equity Scheme - Sectoral/ Thematic โ€บ Bank of India Banking & Financial Services Fund - Direct Plโ€ฆ
Direct GROWTH Active

Bank of India Banking & Financial Services Fund - Direct Plan - Growth

Bank of India Mutual Fund · AMFI: 154093 · ISIN: INF761K01HE4
Latest NAV
โ‚น9.75
as of Nov. 6, 2026
1Y: -3.41%
3Y: -3.41%
Fund Information
07 Nov 2026 ยท captnemo
Fund House
Bank of India Mutual Fund
Category
Equity Scheme - Sectoral/ Thematic
AUM
โ€”
Expense Ratio
โ€”
Min SIP
โ€”
Min Lumpsum
โ€”
Fund Start Date
02 Feb 2026
Lock-in Period
None
๐Ÿ’ฐ Fund AUM Trend
Current: โ€”
Trailing Returns
Full Analysis โ†’
Period Fund Benchmark Cat Min Cat Avg Cat Max Excess vs BM Excess vs Cat
1W 8118.20% 218.18% โ€” โ€” โ€” 7900.02% โ€”
1M 80.11% 20.72% โ€” โ€” โ€” 59.39% โ€”
3M -4.40% -12.14% โ€” โ€” โ€” 7.74% โ€”
6M -1.43% 2.20% โ€” โ€” โ€” -3.63% โ€”
1Y -3.41% -5.54% 4.82% 9.48% 15.20% 2.13% -12.89%
2Y -3.41% -5.54% โ€” โ€” โ€” 2.13% โ€”
3Y -3.41% -5.54% 8.50% 12.54% 15.26% 2.13% -15.95%
5Y -3.41% -5.54% 6.45% 11.33% 14.54% 2.13% -14.74%
7Y -3.41% -5.54% โ€” โ€” โ€” 2.13% โ€”
10Y -3.41% -5.54% โ€” โ€” โ€” 2.13% โ€”
SI -3.41% -6.04% โ€” โ€” โ€” 2.63% โ€”
Risk Snapshot (3Y)
Sharpe Ratio
-0.54 (cat: 0.47)
Max Drawdown
-13.91% (cat: -16.23%)
Std Dev (Ann)
18.45% (cat: 16.2%)
Beta
0.88 (cat: 0.93)
Banking  ยท  11 funds  ยท  Avg Score: 51/100  ยท  Category Meter โ†’
NAV History
Trailing Returns (CAGR)
Period Fund Benchmark Cat Min Cat Avg Cat Max Excess vs BM Excess vs Cat
1W 8118.20% 218.18% โ€” โ€” โ€” 7900.02% โ€”
1M 80.11% 20.72% โ€” โ€” โ€” 59.39% โ€”
3M -4.40% -12.14% โ€” โ€” โ€” 7.74% โ€”
6M -1.43% 2.20% โ€” โ€” โ€” -3.63% โ€”
1Y -3.41% -5.54% 4.82% 9.48% 15.20% 2.13% -12.89%
2Y -3.41% -5.54% โ€” โ€” โ€” 2.13% โ€”
3Y -3.41% -5.54% 8.50% 12.54% 15.26% 2.13% -15.95%
5Y -3.41% -5.54% 6.45% 11.33% 14.54% 2.13% -14.74%
7Y -3.41% -5.54% โ€” โ€” โ€” 2.13% โ€”
10Y -3.41% -5.54% โ€” โ€” โ€” 2.13% โ€”
SI -3.41% -6.04% โ€” โ€” โ€” 2.63% โ€”
Trailing Returns Chart
Calendar Year Returns
Rolling Return Statistics
All rolling windows vs benchmark โ€” full history
Rolling returns not computed yet.
Rolling Return Calculator
Inception: Feb. 2, 2026  ยท  Latest NAV: โ€”
Rolling Window
Start Date
End Date
Rolling Returns Distribution (All Windows)
Bar = mean, error bar = min/max. BM shown beside. Right axis = % of periods beating BM.
๐Ÿงฎ SIP Simulator
10 yrs
Enter values and click Calculate.
๐Ÿ’ฐ Lumpsum Simulator
10 yrs
Enter values and click Calculate.
Risk Metrics โ€” 3 Years
Category Avg (Banking)  ยท  Std Dev: 16.20%  ยท  Sharpe: 0.47  ยท  Sortino: 0.61  ยท  Max DD: -16.23%
Std Dev (Ann %)
18.45% (cat: 16.2%)
Sharpe Ratio
-0.54 (cat: 0.47)
Sortino Ratio
-0.81 (cat: 0.61)
Max Drawdown %
-13.91% (cat: -16.23%)
Beta
0.88 (cat: 0.93)
Alpha (Ann %)
0.98% (cat: 5.41)
R-Squared %
87.72%
Tracking Error %
6.50%
Info Ratio
0.38
Upside Capture %
87.1%
Downside Capture %
91.9%
Risk-Free Rate Used
6.50%
Risk Metrics โ€” 5 Years
Category Avg (Banking)  ยท  Std Dev: 16.34%  ยท  Sharpe: 0.54  ยท  Sortino: 0.71  ยท  Max DD: -18.37%
Std Dev (Ann %)
18.45% (cat: 16.3%)
Sharpe Ratio
-0.54 (cat: 0.54)
Sortino Ratio
-0.81 (cat: 0.71)
Max Drawdown %
-13.91% (cat: -18.37%)
Beta
0.88
Alpha (Ann %)
0.98%
R-Squared %
87.72%
Tracking Error %
6.50%
Info Ratio
0.38
Upside Capture %
87.1%
Downside Capture %
91.9%
Benchmark
NIFTY BANK
Market Volatility Measures (3Y)
Upside Capture
87.1%
Downside Capture
91.9%
Max Drawdown
-13.91%
Quarterly Performance Analysis (Top 5 & Worst 5)

๐Ÿ“ˆ Upside Quarters (Top 5)

Quarter Fund Benchmark
Q1 2026 12.94% 14.46%
Q3 2026 5.86% 2.34%
Total 2 upside quarter(s)

๐Ÿ“‰ Downside Quarters (Worst 5)

Quarter Fund Benchmark
Q2 2026 -7.44% -5.06%
Total 1 downside quarter(s)
Year-wise Risk Metrics
Year Fund CAGR BM CAGR Alpha Beta Sharpe Sortino Max DD Upside Cap Downside Cap
2026* -3.41% -5.57% 0.98% 0.88 -0.54 -0.81 -13.91% 87.1% 91.9%
* Partial year
Drawdown Chart
Crisis Period Behaviour

"Pre-inception" = fund didn't exist during that period. Hover the โ“˜ on each card for how to interpret it.

Pre-inception
2018 IL&FS
โ€”
Aug 2018 โ†’ Oct 2018
Pre-inception
COVID-19
โ€”
Jan 2020 โ†’ Mar 2020
Pre-inception
2008 GFC
โ€”
Jan 2008 โ†’ Mar 2009
Pre-inception
2022 Rate Hike
โ€”
Jan 2022 โ†’ Jun 2022
Pre-inception
2015-16 China
โ€”
Mar 2015 โ†’ Feb 2016
Pre-inception
2024-25 Tariff
โ€”
Sep 2024 โ†’ Apr 2025
๐Ÿ“– How to interpret these numbers
0% or positive โ€” Held up during crash (exceptional)
0% to -15% โ€” Mild damage, manageable drawdown
Below -15% โ€” Significant hit; check recovery speed
Recovery label โ€” Months from trough back to pre-crash peak
Market Regime Analysis
Reading the cards: โ‰ฅ15% Excellent 5โ€“15% Good 0โ€“5% Muted <0% Lost money | Click โ–ผ Per-window on any card to see each individual time window
๐Ÿ“ˆ Bull Market
Strong sustained uptrend (>20% from lows)
No data โ€” fund not active in this regime
๐Ÿ“‰ Bear Market
Sustained decline >20% from recent highs
No data โ€” fund not active in this regime
โ†”๏ธ Sideways / Consolidation
Range-bound market, low trend conviction
No data โ€” fund not active in this regime
๐Ÿ”ฅ High Inflation Period
CPI/WPI elevated >6%; RBI tightening
No data โ€” fund not active in this regime
โœ‚๏ธ Rate Cut Cycle
RBI cutting repo rate; liquidity supportive
No data โ€” fund not active in this regime

โ„น๏ธ Regime windows are approximations based on Nifty 50 price action and RBI policy dates. Returns shown are fund NAV CAGR within covered dates only.

โš ๏ธ Benchmark Note: Index data shown is Price Index, not TRI (Total Return Index). TRI includes dividends and is typically 1-2% higher annually. SEBI mandates TRI for official benchmark comparison.
Sector Allocation
Financial Services
92.9%
Technology
7.1%
Weightage by Market Cap
Large Cap 1.55%
Mid Cap 13.13%
Small Cap 3.47%
Asset Allocation
Debt 0.00%
Cash 4.86%
Other 0.00%
Portfolio Summary
Category Avg (Banking)  ยท  Turnover: 0.7%  (median: 0.4%)
Total Holdings
38
Top 10 Weight
56.12%
Portfolio Turnover
โ€” (cat avg: 0.7%)
Top Holdings
As of Sep 2026
# Security Sector Weight % Fwd P/E
1
HDFC Bank Ltd
INE040A01034
 Financial Services
11.54%
14.1x
2
ICICI Bank Ltd
INE090A01021
 Financial Services
10.41%
18.8x
3
State Bank of India
INE062A01020
 Financial Services
8.77%
โ€”
4
Shriram Finance Ltd
INE721A01047
 Financial Services
4.83%
โ€”
5
One97 Communications Ltd
INE982J01020
 Technology
4.04%
โ€”
6
ICICI Prudential Asset Management Co Ltd
INE346A01027
 Financial Services
3.60%
โ€”
7
Bank of Baroda
INE028A01039
 Financial Services
3.56%
โ€”
8
Indian Bank
INE562A01011
 Financial Services
3.15%
โ€”
9
City Union Bank Ltd
INE491A01021
 Financial Services
3.14%
โ€”
10
Kotak Mahindra Bank Ltd
INE237A01036
 Financial Services
3.08%
โ€”
11
HDFC Asset Management Co Ltd
INE127D01025
 Financial Services
2.96%
โ€”
12
Computer Age Management Services Ltd Ordinary Shares
INE596I01020
 Technology
2.69%
โ€”
13
Angel One Ltd Ordinary Shares
INE732I01021
 Financial Services
2.52%
โ€”
14
CreditAccess Grameen Ltd Ordinary Shares
INE741K01010
 Financial Services
2.50%
โ€”
15
BSE Ltd
INE118H01025
 Financial Services
2.48%
โ€”
16
Bajaj Finance Ltd
INE296A01032
 Financial Services
2.47%
โ€”
17
Axis Bank Ltd
INE238A01034
 Financial Services
2.39%
โ€”
18
Multi Commodity Exchange of India Ltd
INE745G01043
 Financial Services
2.15%
โ€”
19
Bank of Maharashtra
INE457A01014
 Financial Services
2.06%
โ€”
20
HDB Financial Services Ltd
INE756I01012
 Financial Services
1.86%
โ€”
21
Ujjivan Small Finance Bank Ltd Ordinary Shares
INE551W01018
 Financial Services
1.62%
โ€”
22
OnEMI Technology Solutions Ltd
INE12F801023
 Financial Services
1.40%
โ€”
23
Canara HSBC Life Insurance Co Ltd
INE01TY01017
 Financial Services
1.37%
โ€”
24
Karur Vysya Bank Ltd
INE036D01028
 Financial Services
1.33%
โ€”
25
Cholamandalam Investment and Finance Co Ltd
INE121A01024
 Financial Services
1.31%
โ€”
26
Nuvama Wealth Management Ltd
INE531F01023
 Financial Services
1.23%
โ€”
27
Housing & Urban Development Corp Ltd
INE031A01017
 Financial Services
1.20%
โ€”
28
National Stock Exchange of India Ltd
INE721I01024
 Financial Services
1.08%
โ€”
29
Nippon Life India Asset Management Ltd Ordinary Shares
INE298J01013
 Financial Services
1.07%
โ€”
30
Canara Bank
INE476A01022
 Financial Services
1.03%
โ€”
31
Anand Rathi Wealth Ltd
INE463V01026
 Financial Services
1.02%
โ€”
32
Turtlemint Fintech Solutions Ltd
INE0OC301013
 Financial Services
88.37%
โ€”
33
Aye Finance Ltd
INE501X01029
 Financial Services
25.00%
โ€”
34
SBI Cards and Payment Services Ltd Ordinary Shares
INE018E01016
 Financial Services
10.43%
โ€”
35
Power Finance Corp Ltd
INE134E01011
 Financial Services
2.87%
โ€”
36
Hdfc Bank Limited 750 Call October 2026 Option
 โ€”
1.88%
โ€”
37
Net Receivables / (Payables)
 cashAndEquivalents
2.44%
โ€”
38
Treps
 cashAndEquivalents
2.41%
โ€”
Costs & Fees
Category Avg (Banking)  ยท  Expense Ratio: 0.93%  (median: 0.79%)  ยท  Turnover: 0.7%
Expense Ratio
โ€” (cat avg: 0.93%)
Portfolio Turnover
โ€” (cat avg: 0.7%)
CRISIL Rating
โ€”
Kuvera Rating
โ€”
Investment Rules
Min Lumpsum
โ€”
Min Additional
โ€”
Min SIP
โ€”
SIP Available
โœ… Yes
Lock-in Period
None
Redemption Allowed
โœ… Yes
Tax Treatment
Equity Fund Tax Rules
• STCG (held <12 months): 20% flat
• LTCG (held >12 months): 12.5% on gains above โ‚น1.25 lakh
• ELSS: 3-year lock-in applies; LTCG rules apply
Benchmark
NIFTY BANK
SEBI-assigned category benchmark for this fund type.
Source: database
โš ๏ธ Data shown is Price Index, not TRI. TRI returns are typically 1-2% higher annually.
Named manager data is not exposed by the available on-demand sources for this fund.
Management Context
Fund HouseBank of India Mutual Fund
Inception / First NAVFeb. 2, 2026
AUM-
Expense Ratio-
Portfolio Turnover-
Rating-
BenchmarkNIFTY BANK
Data Sourcecaptnemo
Portfolio Managed
Holdings Used
38
mstarpy
Sectors
2
Portfolio view
3Y Sharpe
-0.54
NAV computed
3Y Drawdown
-13.9%
NAV computed
Investment objective is not exposed by the current metadata provider for this fund.
Computing fund scorecard & factor breakdownโ€ฆ
Loading peer funds in the same categoryโ€ฆ
Loading NAV history for analysisโ€ฆ