Bank of India Multi Asset Allocation Fund
Bank of India Mutual Fund · Multi Asset Allocation · Regular plan, growth option
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -3.0% | -4.0% |
| 3 months | -0.4% | -2.0% |
| 6 months | 6.4% | 3.2% |
| Year to date | 4.1% | -0.8% |
| 1 year | 7.7% | 5.6% |
| 3 years (CAGR) | n/a | 12.8% |
| 5 years (CAGR) | n/a | 11.7% |
| 7 years (CAGR) | n/a | 12.6% |
| 10 years (CAGR) | n/a | 10.4% |
| Since first NAV (CAGR) | 8.9% | – |
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 9.0% | 10.9% |
| 3Y rolling median | n/a | 13.0% |
| 3Y rolling worst | n/a | 3.7% |
| 3Y periods positive | n/a | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | n/a | 9.9% |
| 5Y rolling worst | n/a | 0.9% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | n/a | 9.9% |
| Sharpe ratio | n/a | 0.67 |
| Sortino ratio | n/a | 0.96 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −9.6% | −12.3% |
| Maximum drawdown, last 10Y | n/a | −27.3% |
| Maximum drawdown, last 5Y | n/a | −10.7% |
| Current drawdown | −4.2% | −6.1% |
| Recovery time of worst fall | 94 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
This scheme hold only part of their money in each of these markets; the mix is set by the scheme and changes over time.
- P/E 19.2: higher than 0% of days since 2023 (median 22.1)
- 1Y −9.0% · 3Y +5.4% p.a. · 5Y +5.9% p.a. (index fund NAV, after costs)
- −14.8% from its 52-week high
- 1Y +25.6% · 3Y +35.9% p.a. · 5Y +25.2% p.a. (index fund NAV, after costs)
- −15.0% from its 52-week high (proxy NAV)
Index levels and P/E: NSE daily index closing values; gold and silver: IBJA rates; returns: growth NAV of an index fund or ETF tracking the market (AMFI), so they are after that fund's costs. Context only: a market's level or valuation does not tell you how any scheme will perform. Explore all markets.
The Regular plan's expense ratio is 2.22% a year and the Direct plan's 1.08%, a gap of 1.14%. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹25,61,650.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
- 30 Sep 2026: TER reduced from 2.26% to 2.22% (AMFI TER disclosure)
| Fund manager | Role | Managing since |
|---|---|---|
| Mithraem Bharucha | 15 years of experience in Fixed Income market domain | n/a |
| amp | n/a | |
| Nilesh Jethani | With over 9 years of experience in equity research across BFSI | 23 Apr 2024 |
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 2.22% | 2.16% |
| AUM, whole scheme (₹ crore) | 369 | 1,913 |
| Riskometer | Very High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 9.0% | 2.6% TRI |
Official benchmark: 40% Nifty500 TRI + 40% Nifty Composite Debt Index + 15% Domestic Prices of Gold + 5% Domestic Prices of Silver (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Multi Asset Allocation Regular plans; how it is calculated.
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 4.1% | n/a | – |
| 2025 | 10.2% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,22,936 | 4.6% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Mirae Asset Multi Asset Allocation Fund | Multi Asset Allocation | 0.94 | n/a |
| Baroda BNP Paribas Multi Asset Fund | Multi Asset Allocation | 0.94 | 12.1% |
| Union Multi Asset Allocation Fund | Multi Asset Allocation | 0.94 | n/a |
| Aditya Birla Sun Life Multi Asset Allocation Fund | Multi Asset Allocation | 0.93 | 13.6% |
| Nippon India Multi Asset Allocation Fund | Multi Asset Allocation | 0.93 | 16.7% |
| Axis Multi Asset Allocation Fund | Multi Asset Allocation | 0.92 | 11.9% |
- What is the latest NAV of Bank of India Multi Asset Allocation Fund?
- The NAV of the Regular plan (growth option) was ₹12.4978 on 1 Oct 2026, as published by AMFI.
- Which category is Bank of India Multi Asset Allocation Fund in?
- It is classified as Multi Asset Allocation in AMFI's daily NAV file. MFIC compares it with 37 Multi Asset Allocation schemes (Regular plans).
- What was the largest fall in Bank of India Multi Asset Allocation Fund's NAV?
- The largest peak-to-trough fall in its available history was 9.6%.
- What is the expense ratio (TER) of Bank of India Multi Asset Allocation Fund?
- The total expense ratio of the Regular plan is 2.22% a year, as disclosed to AMFI (median of Multi Asset Allocation Regular plans: 2.16%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is Bank of India Multi Asset Allocation Fund?
- Assets under management of the whole scheme were ₹369 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Bank of India Multi Asset Allocation Fund?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- Who manages Bank of India Multi Asset Allocation Fund?
- According to its Scheme Summary Document, Bank of India Multi Asset Allocation Fund is managed by Mithraem Bharucha, amp, Nilesh Jethani (since 23 Apr 2024).
- What is the exit load of Bank of India Multi Asset Allocation Fund?
- As stated in its scheme documents: • If redeemed/ switched-out within 3 months from the date of allotment: - For 10% of investments: Nil - For remaining investments:1% • If redeemed/ switched-out after 3 months from the date of allotment: Nil Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in Bank of India Multi Asset Allocation Fund?
- The minimum application amount is ₹5,000. SIP details: SIP - 250, SWP - 1000 & STP - 1000.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 8.9% and the Regular plan's by 7.7%. The Regular plan includes the services of a distributor.
Every Monday: this scheme's NAV, 1-month and 1-year return beside its category median, 3-year CAGR and how far it is below its peak. Add more schemes from their pages or from your MFIC watchlist. Free; unsubscribe from any email.