Bank of India Multi Asset Allocation Fund Direct-Growth
Hybrid: Multi Asset Allocation - Growth (Open ended) Factsheet
SEBI Riskometer: HighCategory: Hybrid: Multi Asset Allocation
NAV: ₹12.82-0.15%
24 Jul 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for Bank of India Multi Asset Allocation Fund Direct-Growth.
Market Cap Distribution
Large Cap (61.0%)
Mid Cap (8.6%)
Small Cap (30.4%)
Historical Asset Allocation
| Asset | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 | 28 Feb 2026 | 31 Jan 2026 |
|---|---|---|---|---|---|---|
| Equity | 42.50% | 36.16% | 39.67% | 35.14% | 35.91% | 36.29% |
| Debt | 39.87% | 43.55% | 43.16% | 45.22% | 43.16% | 42.49% |
| Others (incl. cash) | 5.62% | 6.73% | 4.10% | 6.03% | 7.00% | 4.46% |
| Commodities | 12.01% | 13.56% | 13.07% | 13.61% | 13.93% | 16.76% |
| Real Estate | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Portfolio Snapshot
No. of Securities
66
P/E Ratio
22.22
P/B Ratio
3.34
Top Holding %
6.91%
Top 5 Holdings %
30.27%
Top 10 Holdings %
49.29%
Modified Duration
2.63 yrs
Avg. Maturity
3.41 yrs
Yield to Maturity
7.33%
AUM
₹365 Cr
Expense Ratio
1.04%
Since Inception
10.89%
Max Drawdown
-0.09%
Top Portfolio Holdings by Weight
Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.
| Instrument | Sector | No. of Shares | Value (Rs. Cr) | Weight | Change |
|---|---|---|---|---|---|
| ICICI Bank Ltd. | Financial | 83,335 | 11.46 | 3.14% | 1.41%↑ |
| State Bank of India | Financial | 1,02,617 | 10.54 | 2.89% | 1.07%↑ |
| Quality Power Electrical Equipments Ltd. | Capital Goods | 55,000 | 6.73 | 1.84% | 0.21%↑ |
| Sky Gold And Diamonds Ltd. | Consumer Discretionary | 1,17,000 | 6.23 | 1.71% | 0.01%↑ |
| HDFC Asset Management Company Ltd. | Financial | 21,000 | 5.57 | 1.53% | 1.05%↑ |
| Dr. Reddys Laboratories Ltd. | Healthcare | 40,000 | 5.43 | 1.49% | 0.04%↑ |
| CreditAccess Grameen Ltd. | Financial | 35,551 | 5.3 | 1.45% | 0.17%↑ |
| HDFC Bank Ltd. | Financial | 63,000 | 5.03 | 1.38% | 0.07%↑ |
| Tata Steel Ltd. | Metals & Mining | 2,50,000 | 4.7 | 1.29% | -0.16%↓ |
| Ultratech Cement Ltd. | Materials | 3,845 | 4.33 | 1.19% | -0.04%↓ |
| ICICI Prudential Asset Management Company Ltd. | Financial | 12,800 | 4.25 | 1.16% | -0.10%↓ |
| Fiem Industries Ltd. | Automobile | 17,600 | 3.98 | 1.09% | -0.01%↓ |
| Adani Ports and Special Economic Zone Ltd. | Services | 21,000 | 3.8 | 1.04% | -0.02%↓ |
| Bank Of Baroda | Financial | 1,35,000 | 3.68 | 1.01% | 0.26%↑ |
| Prudent Corporate Advisory Services Ltd. | Financial | 12,157 | 3.64 | 1.00% | 0.08%↑ |
| KRN Heat Exchanger And Refrigeration Ltd. | Capital Goods | 28,867 | 3.62 | 0.99% | 0.68%↑ |
| Goodluck India Ltd. | Metals & Mining | 24,000 | 3.57 | 0.98% | 0.11%↑ |
| Mahindra & Mahindra Ltd. | Automobile | 11,000 | 3.38 | 0.93% | 0.00% |
| Acutaas Chemicals Ltd. | Healthcare | 8,500 | 3 | 0.82% | 0.08%↑ |
| Housing & Urban Development Corporation Ltd. | Financial | 1,31,000 | 2.69 | 0.74% | 0.00% |
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Sector-wise Portfolio Allocation
Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.
| Sector | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 | 28 Feb 2026 | 31 Jan 2026 |
|---|---|---|---|---|---|---|
| Financial | 15.39% | 11.24% | 12.40% | 10.77% | 10.70% | 11.27% |
| Capital Goods | 4.28% | 3.33% | 3.53% | 2.63% | 2.80% | 2.85% |
| Metals & Mining | 3.52% | 3.56% | 3.57% | 3.08% | 3.60% | 3.94% |
| Automobile | 3.39% | 3.02% | 3.24% | 3.31% | 3.51% | 3.53% |
| Healthcare | 2.99% | 2.84% | 2.71% | 2.39% | 2.14% | 1.94% |
| Services | 2.94% | 3.07% | 2.21% | 1.90% | 1.80% | 1.78% |
| Consumer Discretionary | 2.43% | 2.38% | 2.23% | 1.80% | 1.91% | 1.69% |
| Technology | 1.31% | 1.35% | 1.25% | 1.98% | 1.92% | 3.02% |
| Energy | 1.24% | 1.36% | 1.98% | 2.12% | 2.27% | 1.03% |
| Materials | 1.19% | 1.23% | 1.25% | 0.99% | 1.10% | 1.02% |
| Communication | 1.13% | 0.61% | 1.43% | 1.43% | 1.42% | 1.52% |
| Consumer Staples | 0.94% | 0.91% | 1.40% | 1.38% | 1.36% | 1.34% |
| Construction | 0.59% | - | - | - | - | - |
| Chemicals | - | - | 1.29% | 0.51% | 0.49% | 0.49% |
Debt Holdings — Credit Quality Profile
Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.
| Rating | Fund | Category |
|---|---|---|
| AAA | 27.28% | 6.52% |
| AA+ | 6.84% | 1.41% |
| Cash & Call Money | 5.39% | 5.25% |
| SOV | 4.65% | 7.36% |
| AA | 1.10% | 0.61% |
| A | - | 0.02% |
| A+ | - | 0.12% |
| A1+ | - | 1.68% |
| AA- | - | 0.19% |
| Cash | - | 2.00% |
| Others | - | 0.06% |
| Term Deposits | - | 0.00% |
Equity Insights
A detailed look at the equity holdings of this scheme — aggregated scores on value, momentum, quality parameters along with diversification and performance analysis.
Style Analysis
Value score
47.2 / 100
Weighted average Value score is 47.2. This indicates that portfolio is relatively reasonably valued using composite of value measures.
Price Momentum score
66.6 / 100
Weighted average Price Momentum score is 66.6. This indicates that portfolio has average momentum using composite of momentum measures.
Quality score
68.9 / 100
Weighted average Quality score is 68.9. This indicates that portfolio has average quality using composite of quality measures.
QVM score
70.0 / 100
Weighted average QVM score is 70.0. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.
Red Flags
Debt Insights
A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.
SEBI PRC matrix
Credit risk
| Interest risk | |||
|---|---|---|---|
| Low | Moderate | High | |
| Low | |||
| Moderate | |||
| High | |||
Instruments
| Full name | Description | Coupon rate | Maturity | Rating raw | Weight |
|---|---|---|---|---|---|
| Indian Railway Finance Corporation Ltd. | Bonds | 7.44% | 28/02/2034 | CRISIL AAA | 6.91% |
| LIC Housing Finance Ltd. | Debenture | 7.84% | 11/05/2027 | CRISIL AAA | 6.88% |
| Muthoot Finance Ltd. | Debenture | 8.05% | 25/11/2027 | CRISIL AA+ | 5.47% |
| Bajaj Finance Ltd. | Non Convertible Debenture | 8.12% | 10/05/2027 | CRISIL AAA | 4.95% |
| Tata Capital Housing Finance Ltd. | Debenture | 7.73% | 14/01/2030 | CRISIL AAA | 4.39% |
| GOI | GOI Securities | 6.48% | 06/10/2035 | SOV | 3.28% |
| Small Industries Devp. Bank of India Ltd. | Bonds | 7.49% | 11/06/2029 | CRISIL AAA | 2.76% |
| National Bank For Agriculture & Rural Development | Debenture | 7.68% | 30/04/2029 | CRISIL AAA | 1.39% |
| Torrent Pharmaceuticals Ltd. | Non Convertible Debenture | 7.60% | 19/01/2029 | ICRA AA+ | 1.37% |
| GOI | GOI Securities | 6.94% | 11/05/2036 | SOV | 0.93% |
| Vedanta Ltd. | Debenture | 8.95% | 16/03/2029 | CRISIL AA | 0.55% |
| Manappuram Finance Ltd. | Non Convertible Debenture | 9.10% | 19/08/2026 | CRISIL AA | 0.55% |
| GOI | GOI Securities | 7.10% | 18/04/2029 | SOV | 0.28% |
| Reserve Bank of India | Treasury Bills | 0.00% | 364-D 07/01/2027 | SOV | 0.16% |
Frequently Asked Questions
What are the top holdings of Bank of India Multi Asset Allocation Fund Direct-Growth?
The top holdings of Bank of India Multi Asset Allocation Fund Direct-Growth as of 30 Jun 2026 are Indian Railway Finance Corporation Ltd. (6.91%), LIC Housing Finance Ltd. (6.88%), ICICI Prudential Gold Exchange Traded Fund (5.62%), Muthoot Finance Ltd. (5.47%), Others (5.39%). These top 5 stocks together account for 30.27% of the total portfolio. You can view the complete holdings breakdown above.
How many stocks does Bank of India Multi Asset Allocation Fund Direct-Growth hold in its portfolio?
Bank of India Multi Asset Allocation Fund Direct-Growth holds 66 stocks in its portfolio as of 30 Jun 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.
What is the sector allocation of Bank of India Multi Asset Allocation Fund Direct-Growth?
As of 30 Jun 2026, Bank of India Multi Asset Allocation Fund Direct-Growth's top sector allocations are Financial (15.39%), Capital Goods (4.28%), Metals & Mining (3.52%). You can find detailed sector allocation above.
What is the equity and debt allocation of Bank of India Multi Asset Allocation Fund Direct-Growth?
As of 30 Jun 2026, Bank of India Multi Asset Allocation Fund Direct-Growth has 42.50% allocated to equity, and 39.87% to debt. You can also check the historical trends above.
What is the market cap allocation of Bank of India Multi Asset Allocation Fund Direct-Growth?
As of 30 Jun 2026, Bank of India Multi Asset Allocation Fund Direct-Growth's market cap allocation is 60.96% in large caps, 8.59% in mid caps, and 30.45% in small caps.
What is the PE ratio of Bank of India Multi Asset Allocation Fund Direct-Growth's portfolio?
The portfolio PE ratio of Bank of India Multi Asset Allocation Fund Direct-Growth is 22.22 as of 30 Jun 2026. The portfolio PE ratio tells you how expensive or cheap the fund's holdings are relative to their earnings.
What is the credit quality of Bank of India Multi Asset Allocation Fund Direct-Growth?
As of 30 Jun 2026, Bank of India Multi Asset Allocation Fund Direct-Growth's debt portfolio has 27.28% in AAA-rated instruments, 1.10% in AA-rated, and 4.65% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.
When is the latest portfolio disclosure for Bank of India Multi Asset Allocation Fund Direct-Growth?
The latest portfolio disclosure for Bank of India Multi Asset Allocation Fund Direct-Growth is as of 30 Jun 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.