Source:Above illustration is based on AFMI Industry Classification for the Financial Services Sector. Banking & Financial Services Sector (BFSI Sector)
Source:Bloomberg. Data for the financial year end of respective years, Motilal Oswal Institutional Research
BFSI's faster growth showcases sectoral leverage to GDP expansion over the last 20 years
Source:Bloomberg. Data for the financial year end of respective years, Motilal Oswal Research
Source:ACEMF. Returns are Compounded Annualised Growth Rate (CAGR).
Source:Bloomberg, Elara Equity Research. Data as on Nov 30, 2025. Above data is P/B for respective index. BFSI Sector – Nifty Financial Services TRI, Nifty 50 TRI.
Note:The above framework represents the investment approach for the scheme. This approach is dynamic and may evolve based on market conditions and the Fund Manager’s view while evaluating businesses and broader market opportunities. For detailed asset allocation, please refer to the Scheme Information Document.
3-Pronged Investment Approach
Brand distribution advantage, relatively stable RoE and cashflow generation, relatively resilient in downturn.
Niche business with potential large scale opportunity e.g. Fintech, Tech based Wealth Managers / Digital Only Lending / Distribution Model.
Businesses in growth phase, operating leverage beneficiary of rising per capita income such as Capital Markets, Insurance, Asset Management etc.
Note:The above framework represents the investment approach for the scheme. This approach is dynamic and may evolve based on market conditions and the Fund Manager's view while evaluating businesses and broader market opportunities. For detailed asset allocation, please refer to the Scheme Information Document.
| Scheme | Bank of India Banking & Financial Services Fund |
| Type | An open ended equity scheme investing in Banking & Financial Services Sector |
| Investment Objective | The investment objective of the scheme is to generate long-term capital appreciation by investing predominantly in equity and equity related instruments of banking and financial services companies. However, there is no assurance that the investment objective of the scheme will be achieved. |
| Benchmark | Nifty Financial Services Total Return Index |
| Fund Manager | Mr. Nilesh Jethani |
| Plan & Options |
Plans: Direct Plan and Regular Plan Options under each
Plans / Growth / Income Distribution cum Capital Withdrawal (IDCW)
(Reinvestment of IDCW & payout of IDCW option)
|
| Exit Load |
|
| Minimum Investment | Rs. 5,000 and multiples of Re. 1 thereafter |
Note: Derivative instruments to the extent of 50% of the equity component of the Scheme.
Equity related instruments also include REITs. For more details about the scheme, please refer the Scheme
Information Document.
* Money market instruments include Tri-party Repo on government securities or T-bills/Repo/Reverse Repo
(including corporate bond Repo), certificate of deposit, commercial papers, commercial bills, treasury bills,
Government securities issued by Central & State Government/corporate bonds having an unexpired maturity up to
one year, call or notice money, Term Deposits, unsecured loans (B/BB) and any other similar instruments as specified
by the RBI/SEBI from time to time. $ The debt and money market instruments may include cash and cash equivalents.
The below table includes asset allocation giving the broad classification of assets and indicative exposure level in percentage terms. The Asset Allocation Pattern of the Scheme under normal circumstances would be as under:
| Instruments | Indicative allocation (% of total assets) | Risk Profile | |
|---|---|---|---|
| Minimum | Maximum | ||
| Equity & Equity related instruments of companies engaged in Banking & Financial Services Sector@# | 80% | 100% | Very High |
| Equity & Equity related instruments of companies other than those engaged Banking & Financial Services Sector | 0% | 20% | Very High |
| Debt and Money Market instruments**$ | 0% | 20% | Low to Medium |
| Units issued by InvITs | 0% | 10% | Very High |
Note:
@ Derivative instruments to the extent of 50% of the equity component of the Scheme.
# Equity related instruments also include REITs.
For more details about the scheme, please refer the Scheme Information Document.
** Money market instruments include Tri-party Repo on government securities or T-bills / Repo / Reverse Repo (including corporate bond Repo), certificate of deposit, commercial papers, commercial bills, treasury bills, Government securities issued by Central & State Government / corporate bonds having an unexpired maturity up to one year, call or notice money, Term Deposits, usance bills (BRDS) and any other similar instruments as specified by the RBI / SEBI from time to time.
$ The debt and money market instruments may include cash and cash equivalents.
Investors understand that their principal will be at very high risk
Benchmark riskometer is at very high risk
As per AMFI – Tier I Benchmark is Nifty Financial Services TRI.
The above product labelling assigned during the New Fund Offer (NFO) is based on internal assessment of the scheme characteristics or model portfolio and the same may vary post NFO when the actual investments are made.
This presentation is for information purpose only and is not intended to be any investment advice. Please make independent research/ obtain professional help before taking any decision of investment. Bank of India Investment Managers Private Limited (AMC) makes no representation as to the quality, liquidity or market perception of any securities/ issuer/ borrower, if described in the report above, nor does it provide any guarantee whatsoever. Information and material used in this report are believed to be from reliable sources. However, AMC does not warrant the accuracy, reasonableness and/or completeness of any information. AMC does not undertake to update any information or material in this presentation. Decisions taken by you based on the information provided in this report are to your own account and risk. AMC and any of its officers, directors and employees shall not be liable for any loss or damage of any nature, as also any loss or profit in any way arising from the use of this material in any manner. This presentation, or any part of it, should not be duplicated, or contents altered/ modified, in whole or in part in any form and or re-distributed without AMC’s prior written consent.
The material includes statements/opinions which contain words or phrases such as "will", "believe", and similar expressions or variations of such expressions, that are forward looking statements. Actual results may differ materially from those suggested by the forward looking statements due to risk or uncertainties associated with the statements mentioned with respect to but not limited to exposure to market risks, general economic and political conditions in India and other countries globally, which have an impact on investments, the monetary and interest policies of India, inflation, deflation, unanticipated turbulence in interest rates, foreign exchange rates, equity prices or other rates or prices etc. Past performance may or may not be sustained in future. This is not intended for distribution or use by any person in any jurisdiction where such distribution would be contrary to local law or regulation. The distribution of it, in certain jurisdictions may be restrictions. The sector(s) referred, should not be construed as any kind of recommendation and are for general information only.
