❌ Poor Equity Scheme - Sectoral/ Thematic

Bank of India Banking & Financial Services Fund

by Bank of India Mutual Fund · Direct Plan · Growth
3.7 / 10
BullWiser Honest Score
-3.3%
1Y Return
-1.1%
3Y CAGR
--
Exp. Ratio
Bank of India Banking & Financial Services Fund is one of the lower-rated funds in its category with a BullWiser Honest Score of 3.7/10 — below the Equity Scheme - Sectoral/ Thematic category median of 5.2/10 across 255 funds. Its 3-year CAGR of -1.1% underperforms the Equity Scheme - Sectoral/ Thematic category average of 11.4% by -12.5 percentage points. As a Direct plan, Bank of India Banking & Financial Services Fund eliminates the distributor commission built into Regular plans, maximising the net return to the investor.

Fund Details

Fund Name
Bank of India Banking & Financial Services Fund
AMC
Bank of India Mutual Fund
Category
Equity Scheme - Sectoral/ Thematic
Plan Type
Direct · Growth
Expense Ratio
--
Verdict
❌ Poor
1Y Return
-3.3%
3Y CAGR
-1.1%

vs Category Average — Equity Scheme - Sectoral/ Thematic

3Y CAGR
This fund
-12.5% vs category avg
Expense Ratio (lower is better)
TER data not available
Honest Score
This fund
-1.5 vs category avg

Category: Equity Scheme - Sectoral/ Thematic · 255 Direct-plan funds compared · 1% are High Quality

Frequently Asked Questions

What is the BullWiser Honest Score of Bank of India Banking & Financial Services Fund?
Bank of India Banking & Financial Services Fund has a BullWiser Honest Score of 3.7/10 (POOR QUALITY). The score rates the fund across four pillars: returns quality, expense ratio, risk-adjusted performance (Sharpe ratio & max drawdown), and overall fund quality (AUM, age, consistency).
What is the expense ratio of Bank of India Banking & Financial Services Fund?
The Total Expense Ratio (TER) of Bank of India Banking & Financial Services Fund Direct Plan is --. Choosing the Direct plan saves you the distributor commission baked into Regular plans — typically 0.5–1% per year — which compounds significantly over time.
What are the returns of Bank of India Banking & Financial Services Fund?
Bank of India Banking & Financial Services Fund has delivered -3.3% 1-year returns and -1.1% 3-year CAGR. For a full NAV history and comparison with category peers, use BullWiser's MF Analyser. Past performance is not a guarantee of future returns.
Is Bank of India Banking & Financial Services Fund a good investment?
BullWiser rates Bank of India Banking & Financial Services Fund as POOR QUALITY (Honest Score 3.7/10). Always match a fund to your own risk profile and investment horizon. Use the MF Analyser to compare it with peers in the Equity Scheme - Sectoral/ Thematic category.
How does Direct Plan differ from Regular Plan for Bank of India Banking & Financial Services Fund?
The Direct plan of Bank of India Banking & Financial Services Fund has a lower expense ratio than the Regular plan because no distributor commission is paid. On a ₹10 lakh investment over 20 years, even a 0.5% lower TER can save ₹5–10 lakh in compounded wealth. BullWiser always recommends Direct plans for cost-conscious investors.

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⚠️ Disclaimer: BullWiser is an independent analysis platform, not a SEBI-registered investment advisor. Honest Scores and verdicts are algorithmic assessments based on publicly available data. They are not buy/sell recommendations. Please consult a financial advisor before investing. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.