Bank of India mutual funds - A detailed overview 2025
Mutual funds have become a point of entry to financial growth, diversification and professional management to Indian investors of all ages and profile. Bank of India Mutual Fund (BOI MF) is one of the renowned investment firms that has been establishing its presence, based on the deep-rooted banking background, innovative plans, and emphasis on customer oriented strategies in the changing Indian mutual funds landscape. This paper will discuss the BOI Mutual Funds in detail, the nature of funds offered, investment process, advantages, disadvantages and the comparison of the same in 2025 with others.
Why is Bank of India Mutual Funds a Reliable option?
The Bank of India Mutual Fund is a venture that was initiated due to the union of a strong local and international investment experience as a joint venture between Bank of India and AXA Investment Managers. The fund house runs a wide range of investment solutions that fit the needs of various investors like wealth accumulation, tax saving, retirement planning, and short-term liquidity till 2025.
Key Features or Highlights
- Strong parentage and management supported by Bank of India Group.
- Diversity of equity, debt, hybrid and solution based funds.
- Proactive fund management that is disclosed transparently.
- Onboarding and tracking tools, based on technology.
- Education and market insights of the investors regularly to make better decisions.
Did you know?
AMFI data show that Indian mutual funds hit over Rs 60 lakh crore in AUM in March 2025 with BOI MF reporting a steady increase of assets under management by over 10 percent year after year.
What are the Mutual Fund Schemes BOI MF will be offering in 2025?
BOI Mutual Funds serves almost all investment categories so that investors are able to match their preferences to risk tolerance, time horizon and financial objectives. Top trends in 2025 will be:
Equity Funds
- Large Cap
- Mid and Small Cap
- Multicap and Flexicap
- Sectoral and Thematic
Debt Funds
- Liquid and Overnight
- Short Duration
- Corporate Bond
- Gilt Funds
Hybrid Funds
- Aggressive Hybrid
- Conservative Hybrid
- Balanced Advantage
Solution Oriented Funds
- Children’s Gift
- Retirement Fund
Tax Planning
- ELSS in which there is a tax deduction under Section 80C.
Pros:
- Extensive selection of risk-return profiles.
- Entry is easy, with only SIP of as little as Rs 500 per month.
- Investment monitors by professional fund managers.
Cons:
- There are not many actively-managed funds that are smaller than popular large AMCs.
- Poor awareness among direct investors versus other banks.
People Also Ask
What kind of BOI mutual fund is most suitable among beginners?
Bank of India ELSS Tax Saver or Balanced Advantage Fund can be deemed as convenient to first-time investors since they are diversified with low minimum SIP requirement.
Expert’s Insight:
In 2024, SEBI introduced new rules of reclassification of mutual funds that increased the level of transparency regarding the risk and return. All scheme documentation is also updated by BOI MF and assists investors to make more informed decisions.
What to do in 2025 in Bank of India mutual funds?
Investment in BOI Mutual Funds continues to be more accessible than ever before, be it of new or experienced investor. The online portal, mobile application, third-party platforms, or the traditional branches provide ease of access to the investors.
Steps to Invest
- Finish e-KYC process online in minutes, through Aadhaar OTP check.
- Compare funds based on performance, rating, as well as using suitability tools on the BOI MF site.
- Select mode of investment: lump sum or SIP.
- Full internet payment through UPI, netbanking, debit card or mandate.
FAQs:
Do the BOI MF schemes have a direct plan?
Yes. Direct plans also have lower expense ratio than regular plans when it comes to distributors or agents.
Did you know?
Recent investor data show that over 65 percent of the total BOI MF retail customers in 2025 would prefer to use online mode with UPI to make SIPs.
How are the performance and returns of BOI Mutual Funds in the recent years?
The market cycles, expertise of fund managers and underlying portfolio selection affect performance of any mutual fund. By 2025, the best equity and hybrid funds by BOI MF have been placed in the industry top quartile in terms of 3 and 5 year returns.
Table: BOI MF Flagship Funds compared to Category Average (April 2025)
| Name of fund | 3 yr CAGR | 5 yr CAGR | Category Avg (3 yr) |
|---|---|---|---|
| BOI AXA Bluechip Fund | 15.3% | 13.8% | 13.5% |
| BOI AXA Midcap Fund | 18.5% | 17.2% | 16.9% |
| BOI AXA Balanced Advantage Fund | 11.6% | 11.4% | 10.5% |
| BOI AXA Ultra short duration fund | 5.9 percent | 6.3 percent | 5.7 percent. |
| BOI AXA Tax Advantage ELSS | 16.1% | 14.9% | 14.5% |
Pros:
- Risk-adjusted major category returns are competitive.
- A number of funds do better on three-year rolling basis.
Cons:
- The fund size is smaller than giants such as SBI MF or HDFC MF and at times liquidity to large ticket changes is limited.
People Also Ask
Should one invest in mutual funds in bank of India?
market risk Investment in mutual funds is subject to market risks regardless of the sponsor. All assets are held by third-party custodians and BOI MF is SEBI registered, meaning that the investor safety is high.
Expert’s Insight:
It is not only on previous returns that investors choose a fund. The consistency of returns, risk measures and fund management stability yield the best results.
What Are the Fees and the Costs Percentages at BOI Mutual Fund in 2025?
Expense ratio This is the yearly charge to manage your mutual fund assets. It is subtracted to your fund NAV thereby giving you more net returns because the expense is less.
- The expense ratios of direct plans in BOI MF are one of the least competitive as they vary between 0.35 percent on debt funds and 1.15 percent on equity funds in Q1 2025.
- None of the open-ended schemes has an entry load. Most equity funds have an exit load of 1 percent when units are redeemed prior to 1 year.
- There are no fees of registering SIP or investing online.
Pros:
- Transparent cost structure
- The ratio of expenses is gradually declining following the cost caps of regulators in 2023.
Cons:
- The cost of limited sector-specific equity funds is a little more because of the active management.
People Also Ask
Is there a fee to open an account at BOI MF?
All investors will be free to open their accounts and e-KYC in 2025.
Did you know?
This has caused savings of more than Rs 70 crores that have been given back to investors in BOI MF since 2023 according to disclosures.
In comparison to other mutually funded funds sponsored by the bank, how does BOI Mutual Fund perform?
Potential investors in India consider bank-sponsored fund houses as more stable and trusted and one-stop financial solutions. Here is a comparison as of 2025:
| Criteria | BOI MF | SBI MF | Axis MF | ICICI Pru MF |
|---|---|---|---|---|
| No of Open Schemes | 23 | 84 | 41 | 95 |
| Total AUM (Rs Cr) | 18,000 | 930,000 | 345,000 | 680,000 |
| Avg Expense Ratio | 0.89% | 1.02% | 0.99% | 1.01% |
| Digital Service Score | 4.6/5 | 4.5/5 | 4.8/5 | 4.7/5 |
| Customer Complaints | 0.11% | 0.15% | 0.09% | 0.13% |
| (of total investors in FY 24-25) |
Pros:
- Individualized assistance by the virtue of leaner operations.
- Cost-effective competition and advanced digital.
Cons:
- Less variety of choices of the schemes than in older AMCs.
People Also Ask
What is the reason why Bank of India MF is not popular as SBI MF?
SBI MF is older and the biggest in terms of asset in India. As it expands, BOI MF specializes in niche personalized strategies hence the scale is still small currently.
Expert’s Insight:
In 2024 and 2025, tier 2 and tier 3 cities have registered the highest growth rates in terms of the number of investors in BOI Mutual Fund due to the increased awareness of digital awareness and simplified process of onboarding.
The Question is What Are the Advantages and Disadvantages of BOI Mutual Funds as an Investment in 2025?
Pros
- Raised by a large nationalized bank whose credibility had been proven.
- Creative products and technology change.
- Plans and schemes to all profiles: salaried, business, senior citizens, tax savers, etc.
- SEBI-compliant and global ESG responsible investing.
Cons
- Small brand name presence compared to certain urban market privatised AMCs.
- The schemes have not all had a long track record.
TL;DR or Quick Recap
- BOI Mutual Fund is an experienced, bank-sponsored mutual fund provider in India that has a growing portfolio of equity, debt, hybrid and solution-based funds.
- Perfectly suitable when the new investor wants to be digital, cheap funds and SIP investments.
- Better or equal than category average returns on top funds in 2025.
- Direct plan pricing is transparent and less expensive than direct plans at most of the bigger competitors.
- BOI MF is a safer choice, but look at the risk, returns and appropriateness of each fund to your objectives.
People Also Ask (FAQs)
What is my BOI Mutual Fund balance or status?
Access all the details on transactions and portfolio immediately through visiting the official BOI MF online portal, log in with PAN or folio number.
Bank of India mutual funds are safe in retirement planning?
Although every mutual fund is associated with a certain risk, the solution-oriented retirement funds of BOI MF are long-term wealth-driven, and the allocations are also relative in this case. Don’t risk more than you are comfortable with.
Is it possible to change or get money any time?
Yes, in most open-ended schemes, you have the flexibility of swapping between funds or redemption of units at current NAV, but must pay exit loads as imposed.
How much do you require to open up an SIP in BOI MF?
In most of the schemes, you can begin a monthly SIP as low as Rs 500 as at 2025.
But how long is it advised to be held in a BOI equity mutual fund?
Preferably 5 years or above to enable the compounding effect and minimize the risks of volatility associated with the short term fluctuations of the market.
What is better in BOI Mutual Fund schemes lump sum or SIP?
Both are useful. Typically, SIP is safer in the case of ordinary investors because it diversifies market instances, although when markets are not volatile, lump sum can be employed in long-term investment.
What is the contact number of BOI Mutual Fund to complain?
The toll-free helpline can be called, the customer service email may be written or any registered branch may be visited. Unresolved complaints can also be obtained using the SCORES platform of SEBI.
Sources
- Referred data as per official BOI MF site.
- Association of mutual funds of India [AMFI].
- Moneycontrol
- April 2025 media disclosures.
