BOI SIP Investment

Bank of India Investment Manager Pvt Ltd. (formerly called BOI AXA Investment Managers Pvt. Ltd.) is a fully owned BOI’s subsidiary. Bank of India, a renowned name in the banking sector, offers SIP Investment options that cater to a wide range of investors. BOI's SIP Investment is the best way to to start your journey towards financial growth and security. Whether you are a seasoned investor or just starting, It is a  powerful and convenient investment processthat can help you achieve your financial goals.

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What is BOI SIP Investment?

BOI SIP Investment is an investment strategy that allows individuals to invest a fixed amount regularly in selected funds and schemes. Investors can choose from a wide range of BOI-approved funds, aligning their investments with their risk appetite and financial goals.

BOI SIP Investment enables investors to participate in the stock market while minimizing risks through regular investments over a period of time. This investment approach suits both seasoned investors and those new to the world of finance, providing them with a reliable avenue to attain their financial objectives.

What are the Key Benefits of BOI SIP Investment?

They key benefits of Bank of India SIP investments are:

  1. Affordability:

    BOI SIP Investment helps you decide how much to invest. You can start investing through Systematic Investment Plan (SIP) for as low as Rs. 500. 

  2. Flexibility:

    BOI SIP Investment offers flexibility in terms of investment amounts. Additionally, investors have the freedom to increase or decrease their SIP amount or opt-out of the investment plan at any time without incurring heavy penalties.

  3. Convenience:

    Investors can easily provide a 1-time intruction to their banks in order to invest a pre-specified amount on a regular basis towards your the contribution of your SIP. 

  4. Rupee Cost Averaging:

    One of the primary benefits of BOI SIP Investment is the concept of rupee cost averaging. With regular investments at different market levels, investors buy more units when prices are lower and fewer units when prices are higher. This averaging smoothens out market fluctuations, reducing the overall impact of volatility and potentially enhancing returns over the long term.

  5. Disciplined Investing:

    BOI SIP Investment encourages discipline among investors. It inculcates a regular savings habit, as the pre-determined investment amount is automatically deducted from the investor's account each month. This consistent approach helps investors stay committed to their financial goals and avoid impulsive decisions based on market sentiments.

  6. Power of Compounding:

    The power of compounding plays a significant role in SIP investments. By reinvesting the returns generated from previous investments, investors can witness their wealth grow exponentially over time. The longer the investment tenure, the more impactful the compounding effect becomes.

Who Should You Opt for BOI SIP Investment?

BOI SIP Investment is suitable for a broad spectrum of individuals, including:

  1. Young Professionals:

    For young professionals who are starting their careers, BOI SIP Investment provides an excellent opportunity to begin their wealth-building journey with minimal financial commitments. It helps them harness the power of compounding and achieve their long-term financial objectives.

  2. Risk-Averse Investors:

    Investors who prefer a conservative approach and are averse to high-risk investments can benefit from BOI SIP Investment. SIPs provide the advantage of gradual exposure to the equity markets while reducing the impact of market fluctuations.

  3. Long-Term Financial Goals:

    Whether it's saving for a dream home, children's education, or retirement, BOI SIP Investment allows investors to align their financial goals with a disciplined investment strategy. The long-term horizon of SIPs ensures that the compounding effect aids in realizing these objectives.

Best BOI Fund Schemes to Invest in 2023

Fund name AUM NAV 3Y Returns

Bank of India Tax Advantage Fund (G)
₹791.83 Cr ₹112.18 27.3%

Bank of India Manufacturing & Infra fund (G)
₹107.73 Cr ₹35.32 33.8%

Bank of India Small Cap Fund (G)
₹541.12 Cr ₹30.99 41.4%

Bank of India Mid & Small Cap Equity & Debt Fund (G)
₹418.52 Cr ₹25.33 28.8%

Bank of India Large & Mid Cap Equity Fund (G)
₹220.76 Cr ₹62.37 23.9%

Bank of India Liquid Fund (G)
₹761.50 Cr ₹2621.77 4.5%

Bank of India Short Term Income Fund (G)
₹76.05 Cr ₹23.00 11.4%

Bank of India Ultra Short Duration Fund (G)
₹154.38 Cr ₹2790.87 4.2%

Bank of India Balanced Advantage fund (G)
₹100.24 Cr ₹20.51 12.4%

Bank of India Conservative Hybrid Fund (G)
₹56.40 Cr ₹29.29 14.4%

Bank of India Overnight Fund (G)
₹43.31 Cr ₹1155.85 4.3%

Bank of India Bluechip Fund (G)
₹114.40 Cr ₹11.73 -

Bank of India Arbitrage Fund (G)
₹13.57 Cr ₹12.17 3.2%

Bank of India Flexi Cap Fund (G)
₹369.35 Cr ₹21.90 28.3%

How to Start a SIP with Bank Of India? 

Starting a SIP with the Bank of India is a simple process. Here is a step-to-step guide: 

  • Choose Your SIP: Select the best SIP plan or mutual fund scheme that aligns with your investment goals and risk appetite.

  • KYC Compliance: Ensure that you complete the necessary Know Your Customer (KYC) formalities, as mandated by regulatory authorities.

  • Open a Bank of India Account: If you don't have an account with Bank of India, open a savings account to facilitate seamless SIP transactions.

  • Submit SIP Application: Fill out the SIP application form and provide the necessary details, including the investment amount and frequency.

  • Set Auto-Debit Mandate: To automate your SIP contributions, set up an auto-debit mandate from your Bank of India account.

  • Monitor and Review: Regularly monitor your SIP investments and review their performance. While SIPs are designed for the long term, periodic reviews can help ensure that your investment strategy remains aligned with your financial goals.


Bank of India's SIP Investment is a reliable and flexible way to participate in the financial markets while achieving long-term financial goals. It is crucial to remember that all investments carry inherent risks, and it is advisable to consult with financial experts of Policybazaar to tailor the SIP approach according to individual risk profiles and objectives.


  • How can I invest in SIP in BOI?

    • Select a mutual fund scheme matching your investment goals and risk appetite. You can use SIP calculator online tool to get the estimate of returns.

    • Complete mandatory Know Your Customer (KYC) formalities.

    • If you don't have one, open a savings account for seamless SIP transactions.

    • Fill out the form with investment amount and frequency details.

    • Automate SIP contributions by setting up auto-debit from BOI account.

    • Regularly review SIP performance to align with your financial goals.

  • Can I start an SIP at Bank of India?

    Yes, Bank of India offers SIP investment facilities. As one of the leading banks in India, BOI provides various fund schemes from reputed asset management companies that allow investors to start a Systematic Investment Plan.
  • Can I invest Rs. 1000 per month in SIP?

    Yes, you can invest Rs. 1000 per month in a SIP. Many fund schemes, including those offered by Bank of India, allow investors to start SIPs with relatively low monthly contributions like Rs. 1000. This flexibility in investment amount makes SIPs accessible to a wide range of individuals.

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