Bank of India Consumption Fund vs Bank of India Multi Cap Fund
Direct Plan, Growth option · Data as on 30-10-2026
Bank of India Consumption Fund is a Thematic fund and Bank of India Multi Cap Fund is a Multi Cap fund. In the year to 30-10-2026, Bank of India Consumption Fund (Direct) returned −6.4% and Bank of India Multi Cap Fund (Direct) returned 3.5%. Bank of India Consumption Fund charges 1.53% a year and Bank of India Multi Cap Fund 1.16% (Direct plans). Their portfolios overlap 33.2%: they hold 28 of the same securities.
Bank of India Consumption Fund
Thematic
- 1 year return
- −6.4%
- Expense ratio
- 1.53%
- NAV
- ₹10.73
Bank of India Multi Cap Fund
Multi Cap
- 1 year return
- 3.5%
- Expense ratio
- 1.16%
- NAV
- ₹19.69
Which is better, Bank of India Consumption or Bank of India Multi Cap? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Bank of India Multi Cap returned more over 1 year: 3.5% against −6.4%.
- Bank of India Multi Cap costs less: 1.16% a year against 1.53% (Direct plans).
- Bank of India Consumption fell less in its worst fall since 23-12-2024: −15.2% against −16.6%.
- Bank of India Consumption holds more in large companies: 43.7% of the fund in large caps against 30.8%.
- Bank of India Multi Cap is the larger fund: ₹1,344 Cr against ₹346 Cr.
- Their portfolios overlap 33.2%: 28 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Bank of India Consumption Fund | Bank of India Multi Cap Fund |
|---|---|---|
| Fund house | Bank of India Mutual Fund | Bank of India Mutual Fund |
| Category | Thematic | Multi Cap |
| AUM | ₹346 Cr (30-09-2026) | ₹1,344 Cr (30-09-2026) |
| NAV | ₹10.73 (Direct) | ₹19.69 (Direct) |
| Expense ratio (Direct) | 1.53% | 1.16% |
| Expense ratio (Regular) | 2.73% | 2.48% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty India Consumption TRI | NIFTY 500 Multicap 50:25:25 Total Return Index |
| Launch date | 20-12-2024 | 03-03-2023 |
| Minimum investment | ₹5,000 | ₹5,000 |
| Lock in | None | None |
| Fund managers | Nitin Gosar | Nitin Gosar |
| Exit load | Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months. | Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months. |
Bank of India Consumption vs Bank of India Multi Cap: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Bank of India Consumption Fund (Direct) | −1.38% | −6.21% | +0.94% | −6.37% | -- | -- | -- |
| Bank of India Multi Cap Fund (Direct) | −2.43% | −4.14% | +1.81% | +3.52% | +16.70% | -- | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | -- | -- | -- |
| Multi Cap average | −2.65% | −3.95% | +1.99% | −1.14% | +13.54% | -- | -- |
Category average: the average of the 235 Thematic funds and the 33 Multi Cap funds, same plan type.
Bank of India Consumption vs Bank of India Multi Cap: Year-wise Returns
| Year | ConsumptionBank of India Consumption | Multi CapBank of India Multi Cap |
|---|---|---|
| 2026to date | −4.96% | +2.23% |
| 2025 | +12.67% | +8.51% |
| 2024 | -- | +23.69% |
Bank of India Consumption vs Bank of India Multi Cap: Rolling Returns
Every holding period of both funds, against Nifty India Consumption TRI, the benchmark of Bank of India Consumption Fund
Rolling returns
Every 1-year holding period, 209 of them, one for each trading day from 23-12-2025 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Bank of India Consumption Fund (Direct)
Bank of India Multi Cap Fund (Direct)
Nifty India Consumption TRI
to
Jan 2026Mar 2025
to
Mar 2026May 2025
to
May 2026Jun 2025
to
Jun 2026Aug 2025
to
Aug 2026Oct 2025
to
Oct 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bank of India Consumption | 18.7 | 35.9 | 27.3 | 13.9 | 4.3 | 0.0 | 0.0 | 4.7% | 4.1% | −8.1% | 16.8% | 96% |
| Bank of India Multi Cap | 0.0 | 5.3 | 24.9 | 41.6 | 25.4 | 2.9 | 0.0 | 12.3% | 12.1% | 2.0% | 22.2% | 95% |
| Nifty India Consumption TRI | 40.7 | 33.5 | 16.7 | 9.1 | 0.0 | 0.0 | 0.0 | 1.1% | 0.9% | −14.2% | 13.4% | -- |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. The benchmark is Nifty India Consumption TRI, over the same periods. "Beat benchmark" counts the periods in which the fund did better. Every fund is measured over the days all of them have, from 23-12-2024. Past returns do not promise future returns.
Bank of India Consumption vs Bank of India Multi Cap: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 23-12-2024 to 30-10-2026: 23 instalments, ₹2,30,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Bank of India ConsumptionBank of India Consumption Fund (Direct) | ₹2,30,000 | ₹2,34,245 | ₹4,245 | 1.9% |
| Bank of India Multi CapBank of India Multi Cap Fund (Direct) | ₹2,30,000 | ₹2,47,337 | ₹17,337 | 7.5% |
Bank of India ConsumptionBank of India Consumption Fund (Direct)
Bank of India Multi CapBank of India Multi Cap Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Bank of India Consumption vs Bank of India Multi Cap: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Bank of India Consumption Fund (Direct) | Bank of India Multi Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | −6.37% | +3.52% |
| Standard deviation | 13.24% | 13.88% |
| Sharpe ratio | -0.88 | -0.12 |
| Sortino ratio | -1.16 | -0.17 |
| Maximum drawdown | −15.1% (23-03-2026) | −11.7% (23-03-2026) |
| Beta | 0.82 | 0.90 |
| Alpha | +1.34% | +8.39% |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Bank of India Consumption Fund (Direct) | Bank of India Multi Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +3.77% | +20.35% |
| Standard deviation | 13.54% | 14.95% |
| Sharpe ratio | -0.13 | 0.95 |
| Sortino ratio | -0.18 | 1.27 |
| Maximum drawdown | −15.2% (23-03-2026) | −20.3% (03-03-2025) |
| Beta | 0.83 | 1.01 |
| Alpha | +2.81% | +5.82% |
From daily NAVs, 23-12-2024 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Bank of India Consumption Fund (Direct)
Bank of India Multi Cap Fund (Direct)
Nifty India Consumption TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Bank of India Consumption Fund (Direct) | −15.2% | 29-10-2025 | 23-03-2026 | 03-08-2026 | 4 months | −8.1% |
| Bank of India Multi Cap Fund (Direct) | −16.6% | 03-01-2025 | 03-03-2025 | 09-06-2025 | 3 months | −6.2% |
| Nifty India Consumption TRI | −18.1% | 20-10-2025 | 30-03-2026 | Not yet | -- | −11.6% |
From daily values since 23-12-2024, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Bank of India Consumption Fund (Direct)
Bank of India Multi Cap Fund (Direct)
Nifty India Consumption TRI
Against Nifty India Consumption TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Bank of India Consumption Fund (Direct) | 103% | 85% | 4.24% |
| Bank of India Multi Cap Fund (Direct) | 102% | 73% | 9.63% |
From month-end values since 23-12-2024. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
Bank of India Consumption vs Bank of India Multi Cap: Portfolio Overlap
From each fund's latest monthly portfolio: Bank of India Consumption Fund, September 2026; Bank of India Multi Cap Fund, September 2026
Holdings in common
- Overlap
- 33.2%
- Held by both
- 28
- Only in Bank of India Consumption
- 10
- Only in Bank of India Multi Cap
- 39
| Security | % of Bank of India Consumption | % of Bank of India Multi Cap |
|---|---|---|
| Entero Healthcare Solutions Ltd | 2.90% | 2.76% |
| Tips Music Limited | 3.07% | 2.54% |
| Dixon Technologies (India) Limited | 3.82% | 2.39% |
| Eris Lifesciences Limited | 2.60% | 2.01% |
| Stylam Industries Limited | 2.43% | 1.97% |
| ITC Limited | 8.85% | 1.68% |
| FSN E-Commerce Ventures Limited | 2.93% | 1.66% |
| Aditya Vision Ltd | 2.32% | 1.42% |
| One 97 Communications Limited | 1.59% | 1.37% |
| Abbott India Limited | 1.74% | 1.34% |
| Bharti Airtel Limited | 9.71% | 1.31% |
| Maruti Suzuki India Limited | 5.30% | 1.20% |
| NTPC Limited | 1.97% | 1.16% |
| Godfrey Phillips India Limited | 1.98% | 1.07% |
| Emami Limited | 2.36% | 1.05% |
| SBI Life Insurance Company Limited | 1.03% | 1.26% |
| Britannia Industries Limited | 6.48% | 0.98% |
| Endurance Technologies Limited | 2.17% | 0.88% |
| MRF Limited | 1.25% | 0.85% |
| Bayer Cropscience Limited | 1.55% | 0.78% |
| S.J.S. Enterprises Limited | 2.04% | 0.67% |
| Bharti Hexacom Limited | 2.34% | 0.57% |
| Senco Gold Limited | 1.10% | 0.54% |
| Sky Gold And Diamonds Limited | 0.66% | 0.52% |
| Mankind Pharma Limited | 0.51% | 1.36% |
| PB Fintech Limited | 0.56% | 0.50% |
| United Spirits Limited | 4.52% | 0.37% |
| 364 Days Tbill (MD 07/01/2027) | 0.07% | 0.09% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 33.2% means 33.2% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Bank of India Consumption Fund
| Security | % of fund |
|---|---|
| Mahindra & Mahindra Limited | 4.66% |
| Eternal Limited | 2.81% |
| Lalithaa Jewellery Mart Ltd | 2.43% |
| Hindustan Unilever Limited | 1.85% |
| Knack Packaging Limited | 1.16% |
Largest holdings only in Bank of India Multi Cap Fund
| Security | % of fund |
|---|---|
| HDFC Bank Limited | 5.48% |
| Reliance Industries Limited | 4.00% |
| Kotak Mahindra Bank Limited | 2.71% |
| Container Corporation of India Limited | 2.62% |
| Aurobindo Pharma Limited | 2.59% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Bank of India Consumption | Bank of India Multi Cap |
|---|---|---|
| Equity | 94.3% | 89.9% |
| Debt | 0.1% | 0.1% |
| Cash and others | 5.7% | 10.0% |
Market cap of stocks
| Market cap | Bank of India Consumption | Bank of India Multi Cap |
|---|---|---|
| Large Cap | 43.7% | 30.8% |
| Mid Cap | 23.4% | 28.8% |
| Small Cap | 23.5% | 27.3% |
| Not on AMFI's list | 3.6% | 3.0% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Bank of India Consumption | Bank of India Multi Cap |
|---|---|---|
| Banks | 0.0% | 14.8% |
| Pharmaceuticals & Biotechnology | 4.8% | 12.5% |
| Consumer Durables | 12.1% | 5.4% |
| Telecom - Services | 12.1% | 1.9% |
| Retailing | 11.0% | 5.8% |
| Diversified FMCG | 10.7% | 1.7% |
| Automobiles | 10.0% | 1.2% |
| Food Products | 6.5% | 1.0% |
| Auto Components | 5.5% | 4.1% |
| Petroleum Products | 0.0% | 4.0% |
The six largest sectors of each fund's stocks, % of the fund.
Bank of India Consumption vs Bank of India Multi Cap: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Bank of India Consumption Fund | Bank of India Multi Cap Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.53% | 1.16% |
| Base expense ratio (Direct) | 1.08% | 0.72% |
| Total expense ratio (Regular) | 2.73% | 2.48% |
| Base expense ratio (Regular) | 2.10% | 1.84% |
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, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Compare Bank of India Consumption with
Bank of India Consumption Fund vs Bank of India Multi Cap Fund: Frequently Asked Questions
What is the difference between Bank of India Consumption Fund and Bank of India Multi Cap Fund?
Bank of India Consumption Fund is a Thematic fund, Bank of India Multi Cap Fund is a Multi Cap fund, run by Bank of India Mutual Fund. Their portfolios overlap 33.2%. Bank of India Consumption Fund charges 1.53% a year and Bank of India Multi Cap Fund 1.16%.
Which has given higher returns, Bank of India Consumption Fund or Bank of India Multi Cap Fund?
Over 1 year: Bank of India Consumption Fund −6.37%, Bank of India Multi Cap Fund +3.52%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Bank of India Consumption Fund or Bank of India Multi Cap Fund?
Bank of India Multi Cap Fund charges less: 1.16% a year against 1.53%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Bank of India Consumption Fund and Bank of India Multi Cap Fund overlap?
33.2%. They hold 28 of the same securities, the largest shared ones being ENTERO, TIPSMUSIC, DIXON. From each fund's latest monthly portfolio.
Which is riskier, Bank of India Consumption Fund or Bank of India Multi Cap Fund?
On SEBI's riskometer, Bank of India Consumption Fund is rated Very High and Bank of India Multi Cap Fund Very High. Over 1 years, the standard deviation of daily returns was 13.24% and 13.88% a year.
Can I invest in both Bank of India Consumption Fund and Bank of India Multi Cap Fund?
Yes. 33.2% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Bank of India Consumption Fund and Bank of India Multi Cap Fund?
Bank of India Consumption Fund: Nitin Gosar. Bank of India Multi Cap Fund: Nitin Gosar.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
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.