Bank of India Consumption Fund vs ITI Banking and Financial Services Fund
Bank of India Consumption Fund and ITI Banking and Financial Services Fund are both Banking & Financial Services Funds. As of 6 Nov 2026 (Direct plan, Growth option): 3-year CAGR — vs +13.45%, 5-year CAGR — vs —, volatility 16.62% vs 16.76%, maximum drawdown −15.16% vs −16.72%. Their portfolios overlap by 0.6% (1 stocks held by both).
Showing the Direct plan, Growth option. Portfolio, sector and market-cap figures are the same for every plan and option of a fund.
Key facts
| Bank of India Consumption | ITI Banking and Financial Services | |
|---|---|---|
| Fund house | Bank of India Mutual Fund | ITI Mutual Fund |
| Compared as | Banking & Financial Services Funds | Banking & Financial Services Funds |
| NAV | ₹11.4200 | ₹17.5702 |
| NAV date | 6 Nov 2026 | 6 Nov 2026 |
| Launched (first NAV) | 23 Dec 2024 | 8 Dec 2021 |
| Track record | 1.9 yrs | 4.9 yrs |
| Fund size (AUM) | ₹346 Cr | ₹362 Cr |
| Securities held | 38 | 33 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| Bank of India Consumption | ITI Banking and Financial Services | |
|---|---|---|
| 1 month | +4.87% | +5.39% |
| 3 months | −1.21% | −0.79% |
| 6 months | +5.74% | +2.83% |
| 1 year | +0.88% | +3.41% |
| 3 years (CAGR) | — | +13.45% |
| 5 years (CAGR) | — | — |
| 7 years (CAGR) | — | — |
| 10 years (CAGR) | — | — |
| Since launch (CAGR) | +7.24% | +11.46% |
| SIP return (XIRR, 5 years) ⓘ | — | — |
Up to one year: absolute return. Beyond one year: CAGR. Computed from each fund's own NAV history (AMFI), measured to the latest NAV.
Calendar-year returns
| Bank of India Consumption | ITI Banking and Financial Services | |
|---|---|---|
| 2026 (year to date) | +1.15% | +0.17% |
| 2025 | +12.67% | +22.69% |
| 2024 | — | +8.76% |
| 2023 | — | +16.85% |
| 2022 | — | +11.83% |
Risk
| Bank of India Consumption | ITI Banking and Financial Services | |
|---|---|---|
| Volatility (annualised) ⓘ | 16.62% | 16.76% |
| Downside volatility ⓘ | 12.04% | 11.32% |
| Sharpe ratio ⓘ | 0.04 | 0.42 |
| Sortino ratio ⓘ | 0.06 | 0.61 |
| Maximum drawdown ⓘ | −15.16% | −16.72% |
| Recovery from that fall | 4 months | — |
| Current fall from peak | −2.23% | −2.87% |
| Rolling 1-year return: worst | −8.07% | −6.57% |
| Rolling 1-year return: median | +3.68% | +14.65% |
| Rolling 1-year return: best | +16.83% | +33.64% |
| Share of 1-year periods with a loss | 20.47% | 1.25% |
Against each fund's benchmark
| Bank of India Consumption | ITI Banking and Financial Services | |
|---|---|---|
| Beta ⓘ | 0.90 | 0.94 |
| Alpha (Jensen's, annualised) ⓘ | +3.47% | +1.16% |
| R² ⓘ | 85.18 | 80.74 |
| Upside capture | 106.38% | 97.99% |
| Downside capture | 87.26% | 90.75% |
| Tracking error | 6.52% | 7.23% |
| Information ratio | 0.63 | 0.11 |
| Treynor ratio | -2.98 | 4.82 |
Portfolio
Asset mix
| Bank of India Consumption | ITI Banking and Financial Services | |
|---|---|---|
| Equity | 94.26% | 91.00% |
| Cash & equivalents | 5.67% | 9.00% |
| Debt | 0.07% | 0.00% |
Market-cap split (share of fund assets)
| Bank of India Consumption | ITI Banking and Financial Services | |
|---|---|---|
| Large Cap | 43.73% | 59.37% |
| Mid Cap | 23.41% | 12.78% |
| Small Cap | 23.53% | 16.56% |
| Unclassified | 3.59% | 2.29% |
Concentration
| Bank of India Consumption | ITI Banking and Financial Services | |
|---|---|---|
| Top 10 holdings | 52.24% | 59.20% |
| Effective number of stocks ⓘ | 24.6 | 21 |
| Securities held | 38 | 33 |
Portfolio overlap: 0.6%
1 companies are held by both funds; by weight, 0.6% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | Bank of India Consumption | ITI Banking and Financial Services |
|---|---|---|
| PB Fintech Limited | 0.56% | 0.88% |
Top 10 holdings
Bank of India Consumption
- Bharti Airtel Limited9.71%
- ITC Limited8.85%
- Britannia Industries Ltd.6.48%
- Maruti Suzuki India Limited5.30%
- Mahindra & Mahindra Limited4.66%
- United Spirits Limited4.52%
- Dixon Technologies (India) Limited3.82%
- Tips Music Limited3.07%
- FSN E-Commerce Ventures Limited2.93%
- Entero Healthcare Solutions Ltd2.90%
ITI Banking and Financial Services
- ICICI Bank Limited10.97%
- HDFC Bank Limited9.19%
- Axis Bank Limited7.66%
- State Bank of India6.66%
- Bajaj Finance Limited6.30%
- Kotak Mahindra Bank Limited5.80%
- Shriram Finance Limited4.91%
- Cholamandalam Investment and Finance Company Ltd3.30%
- RBL Bank Limited2.24%
- Multi Commodity Exchange of India Limited2.17%
Sector exposure
| Bank of India Consumption | ITI Banking and Financial Services | |
|---|---|---|
| Banks | 0.00% | 57.66% |
| Finance | 0.00% | 22.66% |
| Consumer Durables | 12.12% | 0.00% |
| Telecom - Services | 12.05% | 0.00% |
| Retailing | 11.03% | 0.00% |
| Diversified FMCG | 10.70% | 0.00% |
| Automobiles | 9.96% | 0.00% |
| Food Products | 6.48% | 0.00% |
| Capital Markets | 0.00% | 5.60% |
| Auto Components | 5.46% | 0.00% |
| Pharmaceuticals & Biotechnology | 4.85% | 0.00% |
| Beverages | 4.52% | 0.00% |
| Entertainment | 3.07% | 0.00% |
| Financial Technology (Fintech) | 2.15% | 3.02% |
Questions people ask
What is the difference between Bank of India Consumption and ITI Banking and Financial Services returns?
As of 6 Nov 2026, Direct plan Growth option: 1-year return +0.88% vs +3.41%; 3-year CAGR — vs +13.45%; 5-year CAGR — vs —; 10-year CAGR — vs —. Past returns do not indicate future returns.
How do Bank of India Consumption and ITI Banking and Financial Services compare on risk?
Volatility (36 monthly returns, annualised) 16.62% vs 16.76%; Sharpe ratio 0.04 vs 0.42; Sortino ratio 0.06 vs 0.61; maximum drawdown −15.16% vs −16.72%; beta 0.90 vs 0.94.
How much do Bank of India Consumption and ITI Banking and Financial Services overlap?
By weight, 0.6% of the two portfolios is invested in the same companies; 1 stocks are held by both, the largest shared positions being PB Fintech Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of Bank of India Consumption and ITI Banking and Financial Services?
Bank of India Consumption: large cap 43.7%, mid cap 23.4%, small cap 23.5%. ITI Banking and Financial Services: large cap 59.4%, mid cap 12.8%, small cap 16.6% (share of the fund's assets, from its latest disclosed portfolio).
Is this a recommendation to choose one of these funds?
No. This page places the published figures of both funds side by side. It does not rank, rate or recommend either fund; which one suits an investor depends on their goals, horizon and risk tolerance.
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Sources: NAV from AMFI; returns, risk and ratios computed by MF Analyser from each fund's NAV history (risk on 36 monthly returns, risk-free rate 6.5%); benchmark ratios against each fund's benchmark total-return index; portfolios from each fund house's monthly disclosure. Returns and ratios as of 6 Nov 2026. IDCW options show no return or risk figures because payouts reduce the NAV and AMFI's file carries no payout history to add back. This page compares published figures only — it does not rank, rate or recommend either fund. Past performance does not indicate future returns; mutual fund investments are subject to market risks.