BOI SIP Investment
Bank of India Investment Managers Private Limited is a subsidiary of Bank of India. It offers a plethora of Mutual Fund investment options across various asset classes. BOI's Mutual Fund SIP Investment is the best way to start your journey towards financial growth and security. Check the top mutual funds offered by Bank of India and invest in the fund that suits you best.
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SIP Investment
- BOI SIP Investment
Key Information About Bank of India Mutual Funds
Here is some of the key information about Bank of India Mutual Funds:
| Company Name | Bank of India |
| Asset Management Company Name | Bank of India Investment Managers Private Limited |
| AMC Incorporation | August 13, 2007 |
| AMC SetUp | March 31, 2008 |
| MD and CEO | Mr. Mohit Bhatia |
| CIO | Mr. Alok Singh |
List of Best BOI Funds to Invest in 2026
Below are the best SIP plans by BOI Mutual Funds:
| Fund Name | AUM | Return 1 Year | Return 3 Years | Return 5 Years | Minimum Investment | Return Since Launch |
|---|---|---|---|---|---|---|
| Bank of India Manufacturing & Infrastructure Fund Regular-Growth | ₹836.52 Crs | 20.35% | 23.12% | 20.13% | ₹5,000 | 12.29% |
| Bank of India Small Cap Fund Regular-Growth | ₹2,572.40 Crs | 20.54% | 21.27% | 18.06% | ₹5,000 | 25.42% |
| Bank of India Mid & Small Cap Equity & Debt Fund Regular-Growth | ₹1,695.32 Crs | 12.34% | 17.35% | 13.71% | ₹5,000 | 15.44% |
| Bank of India Conservative Hybrid Fund Regular-Growth | ₹65.13 Crs | 3.59% | 6.39% | 9.37% | ₹5,000 | 7.52% |
| Bank of India Manufacturing & Infrastructure Fund Regular-IDCW Quarterly | ₹836.52 Crs | 20.35% | 23.12% | 20.13% | ₹5,000 | 12.29% |
| Bank of India Arbitrage Fund Regular-Growth | ₹47.83 Crs | 5.79% | 6.4% | 5.28% | ₹5,000 | 4.84% |
| Bank of India Large & Mid Cap Fund Regular-Growth | ₹491.08 Crs | 10.18% | 14.62% | 11.86% | ₹5,000 | 13.41% |
| Bank of India Ultra Short Duration Fund Regular-Growth | ₹147.88 Crs | 5.83% | 6.37% | 5.72% | ₹5,000 | 6.95% |
| Bank of India Balanced Advantage Fund Regular-Growth | ₹169.80 Crs | 8.5% | 9.66% | 10.41% | ₹5,000 | 8.2% |
Details of Bank Of India Mutual Funds
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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 AUM ₹836.52 Crs Expense Ratio 2.65% Return 10 Years 18.2% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at very high risk Launch Date 5th March, 2010 Asset Allocation Equity: 92.97%, Debt: 0.1%, Others: 6.93% Top Sectors - Consumer Discretionary
- Industrials
- Consumer Staples
- Diversified
- Energy & Utilities
- Healthcare
- Materials
- Real Estate
- Technology
Top Holdings - Repo
- Larsen & Toubro Ltd
- Net Receivables
- Reliance Industries Ltd
- NTPC Ltd
- Vedanta Ltd
- Hero Motocorp Ltd
- Bharti Airtel Ltd
- Lloyds Metals and Energy Ltd
- Aurobindo Pharma Ltd
Fund Managers NA Fund Type Open-ended -
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 AUM ₹2,572.40 Crs Expense Ratio 2.22% 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: 91.14%, Debt: 3.39%, Others: 5.47% Top Sectors - Diversified
- Consumer Discretionary
- Industrials
- Consumer Staples
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Technology
Top Holdings - Repo
- Net Receivables
- Wockhardt Ltd
- Indian Bank
- Quality Power Electrical Equipments Ltd.
- CreditAccess Grameen Ltd
- Lloyds Metals and Energy Ltd
- Ami Organics Ltd
- Sky Gold Ltd
- Kaynes Technology India Ltd
Fund Managers - Alok Singh
- Nav Bhardwaj
Fund Type Open-ended -
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 AUM ₹1,695.32 Crs Expense Ratio 2.29% Return 10 Years 15.38% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at very high risk Launch Date 20th July, 2016 Asset Allocation Equity: 76.15%, Debt: 20.86%, Others: 2.99% Top Sectors - Consumer Discretionary
- Industrials
- Consumer Staples
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Technology
Top Holdings - Net Receivables
- Repo
- Hindustan Copper Ltd
- Coforge Ltd
- Jindal Stainless Ltd
- Indian Bank
- UNO Minda Ltd
- Abbott India Ltd
- Housing & Urban Development Corporation Ltd
- PB Fintech Ltd
Fund Managers NA Fund Type Open-ended -
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 AUM ₹65.13 Crs Expense Ratio 2.25% Return 10 Years 6.9% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at moderate risk Launch Date 18th March, 2009 Asset Allocation Equity: 17.59%, Debt: 53.98%, Others: 28.43% Top Sectors - Energy & Utilities
- Financial
- Healthcare
- Consumer Discretionary
- Industrials
- Consumer Staples
- Diversified
- Materials
- Technology
Top Holdings - Repo
- Net Receivables
- GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100
- GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100
- 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
Fund Managers NA Fund Type Open-ended -
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 AUM ₹836.52 Crs Expense Ratio 2.65% Return 10 Years 18.2% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at very high risk Launch Date 5th March, 2010 Asset Allocation Equity: 92.97%, Debt: 0.1%, Others: 6.93% Top Sectors - Consumer Discretionary
- Industrials
- Consumer Staples
- Diversified
- Energy & Utilities
- Healthcare
- Materials
- Real Estate
- Technology
Top Holdings - Repo
- Larsen & Toubro Ltd
- Net Receivables
- Reliance Industries Ltd
- NTPC Ltd
- Vedanta Ltd
- Hero Motocorp Ltd
- Bharti Airtel Ltd
- Lloyds Metals and Energy Ltd
- Aurobindo Pharma Ltd
Fund Managers NA Fund Type Open-ended -
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 AUM ₹47.83 Crs Expense Ratio 2.93% 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: -0.42%, Debt: 22.28%, Others: 78.14% Top Sectors NA Top Holdings - Net Receivables
- BOI AXA Liquid Fund Direct-Growth
- Hindalco Industries Ltd
- JSW Steel Ltd
- National Aluminium Company Ltd
- Repo
- ITC Ltd
- Jio Financial Services Limited
- Indiabulls Housing Finance Ltd
- Grasim Industries Ltd
Fund Managers NA Fund Type Open-ended -
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 AUM ₹491.08 Crs Expense Ratio 2.86% Return 10 Years 12.57% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at very high risk Launch Date 21st October, 2008 Asset Allocation Equity: 96.92%, Debt: 0.01%, Others: 3.07% 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
- Net Receivables
- Vedanta Ltd
- Larsen & Toubro Ltd
- Kotak Mahindra Bank Ltd
- State Bank of India
- Hero Motocorp Ltd
- Lloyds Metals and Energy Ltd
Fund Managers NA Fund Type Open-ended -
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 AUM ₹147.88 Crs Expense Ratio 1.02% Return 10 Years 6.2% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at low to moderate risk Launch Date 16th July, 2008 Asset Allocation Debt: 94.43%, Others: 5.57% Top Sectors NA Top Holdings - GOVERNMENT OF INDIA 36734 182 DAYS TBILL 28MY26 FV RS 100
- HDFC BANK LIMITED CD 05MAR27
- POWER FINANCE CORPORATION LTD. SR BS233B 7.64 BD 25AG26 FVRS1LAC
- Repo
- HDFC BANK LIMITED CD 04FEB26
- REC LIMITED SR 225 7.64 BD 30JU26 FVRS1LAC
- POWER FINANCE CORPORATION LTD. SR BS 230 7.37 BD 22MY26 FVRS1LAC
- PUNJAB NATIONAL BANK CD 15SEP26
- CANARA BANK CD 03JUN26
- LIC HOUSING FINANCE LIMITED TR 426 7.7201 LOA 12FB26 FVRS10LAC
Fund Managers NA Fund Type Open-ended -
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 AUM ₹169.80 Crs Expense Ratio 2.64% Return 10 Years 7.17% Minimum Investment SIP ₹1000 & Lumpsum ₹5,000 Risk Level Principal at very high risk Launch Date 14th March, 2014 Asset Allocation Equity: 65.65%, Debt: 18.64%, Others: 10.71% Top Sectors - Diversified
- Real Estate
- Consumer Discretionary
- Industrials
- Consumer Staples
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Technology
Top Holdings - Net Receivables
- Repo
- NIFTY May 2026 Future
- NIFTY June 2026 Future
- NIFTY July 2026 Future
- NIFTY 25400 Put April 2026 Option
- Reliance Industries Ltd
- HDFC Bank Ltd
- ICICI Bank Ltd
- IRB InvIT Fund EQ
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:
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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.
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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.
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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.
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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.
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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.
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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.
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:
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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.
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KYC Compliance: Ensure you complete the necessary Know Your Customer (KYC) formalities as mandated by regulatory authorities.
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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.
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Submit SIP Application: Fill out the SIP application form and provide the necessary details, including the investment amount and frequency.
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Set Auto-Debit Mandate: To automate your SIP contributions, set up an auto-debit mandate from your Bank of India account.
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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.
FAQs
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What if I invest 1000 Rs in SIP for 20 years?
Investing Rs 1000 in a Systematic Investment Plan (SIP) for 20 years can potentially grow significantly due to compounding. The returns depend on factors like the SIP period, fund performance, and market conditions. However, investing Rs. 1000 per month for 20 years with an expected rate of 12% annually can give you returns up to 9.99L. This was calculated using the SIP calculator. -
How to calculate returns on my BOI SIP investment?
You can use the SIP calculator to calculate returns on your Bank of India (BOI) SIP investment. Input the SIP amount, duration, and expected rate of return to estimate your returns. -
How can I invest in SIP in BOI?
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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.
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Complete mandatory Know Your Customer (KYC) formalities.
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If you don't have one, open a savings account for seamless SIP transactions.
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Fill out the form with investment amount and frequency details.
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Automate SIP contributions by setting up auto-debit from BOI account.
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Regularly review SIP performance to align with your financial goals.
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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.
