BOI SIP Investment

Key Information About Bank of India Mutual Funds

Here is some of the key information about Bank of India Mutual Funds:

List of Best BOI Funds to Invest in 2025

Below are the best SIP plans by BOI Mutual Funds:

Details of Bank Of India Mutual Funds

1. Bank of India Manufacturing & Infrastructure Fund Regular-Growth (10854)

   The objective of Bank of India Manufacturing & Infrastructure Fund Regular-Growth is to seek long term capital appreciation through equity and equity-related securities. It mainly focuses on companies engaged in infrastructure and manufacturing-related sectors.

   Parameters	Details
   Fund Name	Bank of India Manufacturing & Infrastructure Fund Regular-Growth
   NAV	₹ 59.13 (as on 4th November, 2025)
   AUM	₹608.04 Crs
   Expense Ratio	2.34%
   Return 10 Years	17.05%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	5th March, 2010
   Asset Allocation	Equity: 95.86%, Debt: 0.02%, Others: 4.12%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Healthcare Materials Real Estate Technology
   Top Holdings	Larsen & Toubro Ltd Reliance Industries Ltd NTPC Ltd Hero Motocorp Ltd Repo Lloyds Metals and Energy Ltd Vedanta Ltd Quality Power Electrical Equipments Ltd. Bharti Airtel Ltd Eris Lifesciences Ltd
   Fund Managers	NA
   Fund Type	Open-ended

2. Bank of India Small Cap Fund Regular-Growth

   Bank of India Small Cap Funds' main objective is to invest in equity and equity-related securities of small cap companies to generate long-term capital appreciation.

   Parameters	Details
   Fund Name	Bank of India Small Cap Fund Regular-Growth
   NAV	₹ 47.36 (as on 4th November, 2025)
   AUM	₹1,937.49 Crs
   Expense Ratio	2.05%
   Return 10 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	19th December, 2018
   Asset Allocation	Equity: 90.92%, Debt: 1.68%, Others: 7.4%
   Top Sectors	Diversified Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo Quality Power Electrical Equipments Ltd. Lloyds Metals and Energy Ltd CreditAccess Grameen Ltd Kaynes Technology India Ltd Ami Organics Ltd Eris Lifesciences Ltd Syrma SGS Technology Ltd Housing & Urban Development Corporation Ltd Siemens Energy India Ltd
   Fund Managers	Alok Singh Nav Bhardwaj
   Fund Type	Open-ended

3. Bank of India Mid & Small Cap Equity & Debt Fund Regular-Growth

   The primary objective of the Bank of India Mid & Small Cap Equity & Debt Fund is to generate capital appreciation for investors. To fulfil the objective, the fund managers focus on mid and small-cap equity and equity-related securities, along with fixed income securities.

   Parameters	Details
   Fund Name	Bank of India Mid & Small Cap Equity & Debt Fund Regular-Growth
   NAV	₹ 38.33 (as on 4th November, 2025)
   AUM	₹1,257.61 Crs
   Expense Ratio	2.15%
   Return 10 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	20th July, 2016
   Asset Allocation	Equity: 75.32%, Debt: 21.96%, Others: 2.72%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Coforge Ltd Jindal Stainless Ltd Repo UNO Minda Ltd Net Receivables Housing & Urban Development Corporation Ltd Hindustan Copper Ltd Lloyds Metals and Energy Ltd Glenmark Pharmaceuticals Ltd Indian Bank
   Fund Managers	NA
   Fund Type	Open-ended

   

4. Bank of India Conservative Hybrid Fund Regular-Growth

   The main objective of the Bank of India Conservative Hybrid Fund is to generate regular income through long-term capital appreciation and investment in fixed-income securities. 

   Parameters	Details
   Fund Name	Bank of India Conservative Hybrid Fund Regular-Growth
   NAV	₹ 34.73 (as on 4th November, 2025)
   AUM	₹67.82 Crs
   Expense Ratio	2.27%
   Return 10 Years	7.38%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹10,000
   Risk Level	Principal at moderately high risk
   Launch Date	18th March, 2009
   Asset Allocation	Equity: 22.72%, Debt: 64.55%, Others: 12.73%
   Top Sectors	Energy & Utilities Financial Healthcare Consumer Discretionary Industrials Consumer Staples Diversified Materials Technology
   Top Holdings	Repo CENTRAL GOVERNMENT LOAN 31568 GOI 18AP29 7.10 FV RS 100 INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 175 7.57 BD 18AP29 FVRS1LAC NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR F24 7.68 BD 30AP29 FVRS1LAC AU SMALL FINANCE BANK LIMITED CD 01OCT25 AXIS BANK LIMITED CD 04FEB26 GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 TATA CAPITAL HOUSING FINANCE LIMITED SR F 7.73 NCD 14JN30 FVRS1LAC GOI Sec 7.18 14/08/2033 MUTHOOT FINANCE LIMITED 8.90 NCD 07OT27 FVRS1LAC
   Fund Managers	NA
   Fund Type	Open-ended

5. Bank of India Manufacturing & Infrastructure Fund Regular-IDCW Quarterly

   Bank of India Manufacturing & Infrastructure Fund seeks to generate long-term capital gains by investing predominantly in equity and equity-related securities of companies specifically engaged in manufacturing and infrastructure.

   Parameters	Details
   Fund Name	Bank of India Manufacturing & Infrastructure Fund Regular-IDCW Quarterly
   NAV	₹ 38.39 (as on 4th November, 2025)
   AUM	₹608.04 Crs
   Expense Ratio	2.34%
   Return 10 Years	17.05%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	5th March, 2010
   Asset Allocation	Equity: 95.86%, Debt: 0.02%, Others: 4.12%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Healthcare Materials Real Estate Technology
   Top Holdings	Larsen & Toubro Ltd Reliance Industries Ltd NTPC Ltd Hero Motocorp Ltd Repo Lloyds Metals and Energy Ltd Vedanta Ltd Quality Power Electrical Equipments Ltd. Bharti Airtel Ltd Eris Lifesciences Ltd
   Fund Managers	NA
   Fund Type	Open-ended

6. Bank of India Arbitrage Fund Regular-Growth

   Bank of India Arbitrage Fund scheme generally generates income through arbitrage opportunities that may arise in the equity market's cash and derivative segments. Additionally, the scheme invests surplus cash in debt securities and money market instruments.

   Parameters	Details
   Fund Name	Bank of India Arbitrage Fund Regular-Growth
   NAV	₹ 14.04 (as on 4th November, 2025)
   AUM	₹42.15 Crs
   Expense Ratio	0.95%
   Return 10 Years	N/A
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at low risk
   Launch Date	18th June, 2018
   Asset Allocation	Equity: -0.48%, Debt: 25.17%, Others: 75.31%
   Top Sectors	NA
   Top Holdings	Net Receivables BOI AXA Liquid Fund Direct-Growth Repo Reliance Industries Ltd JSW Steel Ltd Mahindra & Mahindra Ltd Sun Pharmaceutical Industries Ltd Max Healthcare Institute Ltd Kotak Mahindra Bank Ltd CG Power & Industrial Solutions Ltd
   Fund Managers	NA
   Fund Type	Open-ended

   

7. Bank of India Large & Mid Cap Fund Regular-Growth

   Bank of India Large & Mid Cap Fund seeks to generate long-term capital through a diversified portfolio. It predominantly invests in large and mid-cap equity and equity-related securities and equity derivatives.

   Parameters	Details
   Fund Name	Bank of India Large & Mid Cap Fund Regular-Growth
   NAV	₹ 89.80 (as on 4th November, 2025)
   AUM	₹409.79 Crs
   Expense Ratio	2.43%
   Return 10 Years	12.46%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	21st October, 2008
   Asset Allocation	Equity: 97.18%, Debt: 0.11%, Others: 2.71%
   Top Sectors	Real Estate Consumer Discretionary Industrials Consumer Staples Diversified Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	HDFC Bank Ltd Repo Reliance Industries Ltd Hero Motocorp Ltd Lloyds Metals and Energy Ltd FSN E-Commerce Ventures Ltd Indian Bank ICICI Lombard General Insurance Company Ltd Larsen & Toubro Ltd PB Fintech Ltd
   Fund Managers	NA
   Fund Type	Open-ended

8. Bank of India Ultra Short Duration Fund Regular-Growth

   The main objective of the Bank of India Ultra Short Duration Fund scheme is to deliver reasonable returns with low risk and high liquidity through a portfolio of debt and money market instruments.

   Parameters	Details
   Fund Name	Bank of India Ultra Short Duration Fund Regular-Growth
   NAV	₹ 3,224.39 (as on 4th November, 2025)
   AUM	₹212.51 Crs
   Expense Ratio	0.9%
   Return 10 Years	6.43%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at low to moderate risk
   Launch Date	16th July, 2008
   Asset Allocation	Debt: 88.56%, Others: 11.44%
   Top Sectors	NA
   Top Holdings	Repo REC LIMITED SR 225 7.64 BD 30JU26 FVRS1LAC HDFC BANK LIMITED CD 04FEB26 POWER FINANCE CORPORATION LTD. SR BS 230 7.37 BD 22MY26 FVRS1LAC LIC HOUSING FINANCE LIMITED TR 426 7.7201 LOA 12FB26 FVRS10LAC AXIS BANK LIMITED CD 05SEP25 NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 23 G 7.57 LOA 19MR26 FVRS1LAC MANAPPURAM FINANCE LIMITED 9.10 NCD 19AG26 FVRS1LAC 360 ONE PRIME LIMITED 9.30 NCD 28FB26 FVRS1LAC KOTAK MAHINDRA BANK LIMITED CD 09JAN26
   Fund Managers	NA
   Fund Type	Open-ended

9. Bank of India Balanced Advantage Fund Regular-Growth

   Bank of India Balanced Advantage Fund Scheme provides long-term capital appreciation by investing in a mix of dynamic equity and debt-related investments.

   Parameters	Details
   Fund Name	Bank of India Balanced Advantage Fund Regular-Growth
   NAV	₹ 25.48 (as on 4th November, 2025)
   AUM	₹140.43 Crs
   Expense Ratio	2.47%
   Return 10 Years	7.1%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	14th March, 2014
   Asset Allocation	Equity: 69.31%, Debt: 22.64%, Others: 5.72%
   Top Sectors	Diversified Real Estate Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	Repo HDFC Bank Ltd Reliance Industries Ltd ICICI Bank Ltd NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR F24 7.68 BD 30AP29 FVRS1LAC SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR II 7.47 BD 05SP29 FVRS1LAC AU SMALL FINANCE BANK LIMITED CD 01OCT25 ITC Ltd State Bank of India 364 Days TBill (MD 11/06/2026)
   Fund Managers	NA
   Fund Type	Open-ended

What are the Key Benefits of BOI SIP Investment?

The key benefits of Bank of India SIP investments are:

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

• Flexibility: BOI SIP Investment offers flexibility in terms of investment amounts. Additionally, investors can increase or decrease their SIP amount or opt out of the investment plan without incurring heavy penalties.

• Convenience: Investors can easily provide one-time instructions to their bank in order to invest a pre-specified amount on a regular basis towards the SIP.

• 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.

• Disciplined Investing: BOI SIP Investment encourages discipline among investors. It builds a habit of regular savings, as the predetermined 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.

• 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.

SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

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I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Total Wealth ₹22.4 L

View Plans

I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

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Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

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Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

12.61%

Equity Pension

16.14%

Global Equity Index Funds Strategy

17.8%

High Growth Fund

15.5%

Pension India Consumption Fund

20.59%

Multi Cap Fund

14.53%

Accelerator Mid-Cap Fund II

15.97%

Multiplier

14.37%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

10.83%

Equity II Fund

13.87%

US Equity Fund

14.72%

Growth Opportunities Plus Fund

11.61%

Equity Top 250 Fund

13.74%

Future Apex Fund

11.47%

Pension Dynamic Equity Fund

14.02%

Accelerator Fund

How to Start an SIP with the Bank Of India?

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

• Choose Your SIP: Select the best SIP plan that aligns with your investment goals and risk appetite. You can also use an SIP Calculator to make goal-based investments.

• KYC Compliance: Ensure 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 the 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 aligns with your financial goals.

Conclusion

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 important to remember that all investments carry inherent risks, and it is advisable to consult with the financial experts of Policybazaar to tailor the SIP approach according to individual risk profiles and objectives.