Bank of India Banking & Financial Services Fund is a Thematic fund run by Bank of India Mutual Fund. On 30-09-2026, it managed ₹249 Cr of investors' money.
NAV (Direct plan)
₹8.96
▼ 0.99% · 30-10-2026
NAV (Regular plan)
₹8.88
▼ 1.11% · 30-10-2026
Expense ratio
1.68%Direct2.77%Regular
1.68%
A year
Riskometer
Very High
Set by the fund house
6 month return
−6.8%Direct−7.3%Regular
−6.8%
Total
Bank of India Banking & Financial Services Fund NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹8.96 (down 0.99% that day); Regular Plan Growth ₹8.88 (down 1.11% that day).
This fund (Direct plan)
₹8.96
Bank of India Banking & Financial Services Fund Returns vs Nifty Financial Services TRI
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
Trailing returns
Period
1M
3M
6M
1Y
3Y
5Y
10Y
This fund (Direct)
−2.71%
−8.29%
−6.76%
--
--
--
--
This fund (Regular)
−2.84%
−8.55%
−7.31%
--
--
--
--
Nifty Financial Services TRI
+0.30%
−5.63%
−2.88%
−8.88%
+9.77%
+6.64%
+12.73%
Thematic average
−2.09%
−4.52%
+0.86%
--
--
--
--
Best in Thematic
+11.54%
+11.27%
+22.16%
--
--
--
--
Worst in Thematic
−16.05%
−11.74%
−13.97%
--
--
--
--
Rank in Thematic
135/235
211/232
200/232
--
--
--
--
Category rows compare the Direct plans of 235 Thematic funds. Rank 1 is the highest return.
Bank of India Banking & Financial Services Fund vs Other Thematic Funds
The five Thematic funds with the best three year return, and this fund. Direct plans.
AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.
Bank of India Banking & Financial Services Fund Expense Ratio and Costs
What each plan charges a year, in force from 15-09-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
Thematic median
Cost rank (1 = cheapest)
Direct
1.17%
0.10%
0.01%
0.40%
1.68%
1.18%
198/235
Regular
2.10%
0.10%
0.01%
0.56%
2.77%
2.41%
195/235
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Thematic funds' plans of the same type are sorted from the lowest total expense ratio to the highest.
Bank of India Banking & Financial Services Fund Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
95.1%Equity
Asset
Fund
Category
Equity
95.1%
94.5%
Cash and others
4.9%
4.0%
Market cap of stocks
Market cap
Fund
Category
Large Cap
61.6%
45.7%
Mid Cap
12.5%
19.6%
Small Cap
19.9%
24.1%
Not on AMFI's list
1.1%
2.3%
Share of the whole fund. Category: the average of the Thematic funds that hold stocks. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Bank of India Banking & Financial Services Fund Sector Allocation
Sector allocation of the fund's stocks as on 30-09-2026
Largest sectors
Banks52.1%
Capital Markets20.8%
Finance15.9%
Financial Technology (Fintech)4.9%
Insurance1.4%
Sector changes
Sector
July 2026
August 2026
September 2026
Change
Banks
51.7%
53.2%
52.1%
+0.4%
Capital Markets
17.3%
17.3%
20.8%
+3.5%
Finance
16.9%
16.1%
15.9%
−0.9%
Financial Technology (Fintech)
5.6%
7.6%
4.9%
−0.7%
Insurance
4.6%
4.4%
1.4%
−3.2%
Each sector's share of the fund at the end of each month. The five largest sectors of September 2026. Change: from July 2026 to September 2026, in % of the fund.
Bank of India Banking & Financial Services Fund Portfolio Holdings
As on 30-09-2026 · 35 holdings · from the fund house's monthly portfolio
Holdings
Sector
Weight%
Holdings trend
1M change
HDFC Bank Limited
Banks
11.54%
0.0%
ICICI Bank Limited
Banks
10.41%
−21.9%
State Bank of India
Banks
8.77%
0.0%
Shriram Finance Limited
Finance
4.83%
0.0%
One 97 Communications Limited
Financial Technology (Fintech)
4.04%
0.0%
ICICI Prudential Asset Management Company Limited
Capital Markets
3.60%
0.0%
Bank of Baroda
Banks
3.56%
0.0%
Indian Bank
Banks
3.15%
0.0%
City Union Bank Limited
Banks
3.14%
0.0%
Kotak Mahindra Bank Limited
Banks
3.08%
0.0%
HDFC Asset Management Company Limited
Capital Markets
2.96%
0.0%
Computer Age Management Services Limited
Capital Markets
2.69%
0.0%
Angel One Limited
Capital Markets
2.52%
0.0%
CreditAccess Grameen Limited
Finance
2.50%
0.0%
BSE Limited
Capital Markets
2.48%
0.0%
Bajaj Finance Limited
Finance
2.47%
−36.9%
Axis Bank Limited
Banks
2.39%
0.0%
Multi Commodity Exchange of India Limited
Capital Markets
2.15%
+97.0%
Bank of Maharashtra
Banks
2.06%
0.0%
HDB Financial Services Limited
Finance
1.86%
+89.0%
Ujjivan Small Finance Bank Limited
Banks
1.62%
0.0%
Onemi Technology Solutions Limited
Finance
1.40%
+4.7%
Canara HSBC Life Insurance company Ltd
Insurance
1.37%
0.0%
Karur Vysya Bank Limited
Banks
1.33%
0.0%
Cholamandalam Investment and Finance Company Ltd
Finance
1.31%
0.0%
Nuvama Wealth Management Limited
Capital Markets
1.23%
0.0%
Housing & Urban Development Corporation Limited
Finance
1.20%
0.0%
National Stock Exchange Of India Ltd
Capital Markets
1.08%
New
Nippon Life India Asset Management Limited
Capital Markets
1.07%
0.0%
Canara Bank
Banks
1.03%
0.0%
Anand Rathi Wealth Limited
Capital Markets
1.02%
New
Turtlemint Fintech Solutions Limited
Financial Technology (Fintech)
0.88%
0.0%
Aye Finance Limited
Finance
0.25%
New
SBI Cards and Payment Services Limited
Finance
0.10%
0.0%
Power Finance Corporation Limited
Finance
0.03%
0.0%
Bank of India Banking & Financial Services Fund Stocks Bought and Sold
All changes are between August 2026 and September 2026
More
Stocks bought and sold in September 2026
ICICI Bank Limited
↓Reduced
−21.9%
10.41%
Bajaj Finance Limited
↓Reduced
−36.9%
2.47%
PB Fintech Limited
↓Sold out
−100%
was 2.27%
Max Financial Services Limited
↓Sold out
−100%
was 2.16%
Multi Commodity Exchange of India Limited
↑Added
+97.0%
2.15%
HDB Financial Services Limited
↑Added
+89.0%
1.86%
Turtlemint Fintech Solutions Limited
↓Reduced
0.0%
0.88%
Onemi Technology Solutions Limited
↑Added
+4.7%
1.40%
National Stock Exchange Of India Ltd
↑New
New
1.08%
Anand Rathi Wealth Limited
↑New
New
1.02%
SBI Life Insurance Company Limited
↓Sold out
−100%
was 0.95%
Aye Finance Limited
↑New
New
0.25%
No stocks in this group for September 2026.
A change is counted by the number of shares the fund holds, not by price. A stock can become a smaller part of the fund in a month when the fund bought more of it, if its price fell. Debt papers are left out.
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
Bank of India Banking & Financial Services Fund Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
1.68%
Expense ratio (Regular)
2.77%
Category
Thematic
Risk
Very High
Benchmark
Nifty Financial Services TRI
Launch date
30-01-2026
Minimum investment
₹5,000
Minimum additional investment
₹1,000
AUM
₹249.41 Cr (30-09-2026)
Lock in
None
Scheme code (Direct)
154093
ISIN (Direct)
INF761K01HE4
Scheme code (Regular)
154095
ISIN (Regular)
INF761K01HH7
NAV history
From 02-02-2026, 0.7 years
Exit load
Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months.
Tax on Bank of India Banking & Financial Services Fund returns
Bank of India Banking & Financial Services Fund is taxed as an equity fund: 65% or more of it is in Indian stocks.
Units sold within 1 year: the gain is taxed at 20%.
Units held longer: gains above ₹1.25 lakh in a financial year, across all your equity funds and shares, are taxed at 12.5%.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
All plans and options
Plan
Option
NAV
As on
direct
Growth
₹8.96
30-10-2026
direct
IDCW
₹8.95
30-10-2026
regular
Growth
₹8.88
30-10-2026
regular
IDCW
₹8.88
30-10-2026
About Bank of India Banking & Financial Services Fund
Bank of India Banking & Financial Services Fund is a mutual fund from Bank of India Mutual Fund. Its category is Thematic. It was launched on 30-01-2026. Its benchmark is Nifty Financial Services TRI. At the end of September 2026 it held 35 securities.
Fund Manager
and for Direct Plan
Fund manager of Bank of India Banking & Financial Services Fund, since 30-01-2026
Frequently Asked Questions for Bank of India Banking & Financial Services Fund
What is the current NAV of Bank of India Banking & Financial Services Fund?
The Direct plan NAV is ₹8.96. The Regular plan NAV is ₹8.88, as on 30-10-2026.
What is the expense ratio of Bank of India Banking & Financial Services Fund?
The Direct plan charges 1.68% a year. The Regular plan charges 2.77% a year. This is the figure the fund house reported to AMFI, in force from 15-09-2026.
What is the AUM of Bank of India Banking & Financial Services Fund?
Bank of India Banking & Financial Services Fund managed ₹249.41 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of Bank of India Banking & Financial Services Fund?
At the end of September 2026 the largest holdings were HDFCBANK (11.54%), ICICIBANK (10.41%), SBIN (8.77%), SHRIRAMFIN (4.83%), PAYTM (4.04%). The fund held 35 securities in all.
What did Bank of India Banking & Financial Services Fund buy and sell in September 2026?
It bought 3 new stocks: Anand Rathi Wealth Limited, Aye Finance Limited, National Stock Exchange Of India Ltd. It sold out of 3: SBI Life Insurance Company Limited, Max Financial Services Limited, PB Fintech Limited. It added shares in 3. It reduced 3.
How do I invest in Bank of India Banking & Financial Services Fund?
Through Bank of India Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹5,000. You can invest once or through a monthly SIP.
Who is the fund manager of Bank of India Banking & Financial Services Fund?
and for Direct Plan (since 30-01-2026).
What is the exit load of Bank of India Banking & Financial Services Fund?
Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months.
Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.
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