Bank of India Multi Asset Allocation Fund

Primarily market-linked growth exposure

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/ Silver 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.

How the money may be invested

Equity & Equity related Instruments-10%-80%-Very HighDebt & Money Market Instruments-10%-80%-Low to MediumGold ETF/Silver ETF-10%-50%-HighUnits issueed by INVITs-0% -10%-Very High

SEBI category

Multi Asset Allocation

Fund type

An open-ended scheme investing in Equity, Debt and Gold ETF/ Silver ETF

Primary benchmark

40% of Nifty 500 TRI + 40% of Nifty Composite Debt Index + 15% of Domestic Prices of Gold + 5% of Domestic prices of Silver

Secondary benchmark

-

Use the latest monthly portfolio

Top holdings are the largest securities currently owned by the scheme. Names and weights can change every month, so a copied list can become misleading. Open the AMC's current official portfolio or factsheet below and look for this exact fund name.

Manager and scheme tenure

Fund manager(s)

Mr. Mithraem Bharucha & Mr. Nilesh Jethani

Manager tenure on this scheme

Since Mr. Mithraem Bharucha has been managing this scheme w.e.f. February 28, 2024 & Mr. Nilesh Jethani co-manages the fund (equity portion) w.e.f. April 23, 2024

Role / co-management

Mr. Mithraem Bharucha: 15 years of experience in Fixed Income market domain, Investment strategy development & Mr. Nilesh Jethani: With over 9 years of experience in equity research across BFSI, IT, and capital goods sectors.

The tenure above is experience managing this scheme, not the manager's total career experience. For education, qualifications and prior roles, open the latest official AMC factsheet or manager profile below.

Latest NAV records

NAV is a per-unit accounting value. Compare returns, portfolio, risk and cost — never choose a fund only because its NAV looks low.

What you pay and how money moves

Stated expense ratio

Regular 2.24%, Direct 1.10%

Exit load

• For redemption/switch out Upto 10% of the initial units allotted - within 1 year from the date of allotment: “NIL” • Any redemption/switch out in excess of the above mentioned limit would be subject to an exit load of 1%, if the units are redeemed/ switched out within 1 year from the date of allotment of units. • If the units are redeemed/switched out after 1 year from the date of allotment of units : “Nil”

Minimum application

5000 · multiples of 1

SIP frequency

SIP - Weekly & Monthly, SWP - Monthly & Quarterly, STP - Daily, Weekly & Monthly

Minimum SIP amount

SIP - 1000, SWP - 1000 & STP - 1000

Minimum instalments

SIP - Weekly 12 & Monthly 6, SWP - Monthly 6 & Quarterly 4, STP - Daily 30, Weekly 12 & Monthly 6

How a mutual-fund investment is paid

1. Complete KYCIdentity, PAN, bank and contact verification are required.
2. Choose route and optionUnderstand direct vs regular and growth vs IDCW before selecting.
3. Choose SIP or lump sumSIP uses an automated mandate; lump sum is a one-time payment.
4. Receive units at applicable NAVCut-off time, cleared funds and scheme rules determine the applicable NAV.
5. Review, do not chaseTrack goal fit, risk, manager/mandate changes, costs and portfolio — not daily noise.

Download and verify at source

The packaged Scheme Summary PDF is the official AMFI file, unchanged. Live AMC links are included for time-sensitive factsheets, top holdings and portfolios.

Source verification date: 06 September 2026. If a live document differs from this page, rely on the newer official document.