Bank of India Aggressive Hybrid Fund Direct Growth Review 2026: NAV, Returns, Portfolio & Should You Invest?

Bank of India Aggressive Hybrid Fund Direct Growth Plan has a NAV of ₹47.96 as of 10 Sep 2026 and a scheme AUM of ₹2,050 Cr. Its 1-year, 3-year and 5-year returns are 15.71%, 17.16% and 14.99%, and the fund sits in the High Risk category.

Our view is that the fund has delivered a steady medium-term growth profile, but it is still suited to investors who are comfortable with sharper swings than a plain equity-oriented core holding. The portfolio mix and aggressive-hybrid structure suggest it can play a role for long-horizon investors who want equity-led growth with some debt and cash support.

Quick facts

Particular	Details
NAV	₹47.96 as of 10 Sep 2026
AUM	₹2,050 Cr
Expense Ratio	0.66%
Launch Date	20 Jul 2016
Min SIP	₹1,000
Risk Category	High Risk
Benchmark	Nifty 50
Fund Category	Hybrid
Exit Load	NIL for 10% of investments and 1% for remaining investments on or before 3M, NIL after 3M
Fund Managers	Alok Singh

The fund is managed by Alok Singh.

Source data date: as of 10 Sep 2026

Performance

Period	Fund return	Benchmark return
1M	1.87%	-4.06%
3M	9.27%	1.37%
1Y	15.71%	-7.31%
3Y	17.16%	6.07%
5Y	14.99%	5.91%

The recent pattern is stronger than the benchmark across every period shown. The 1-month return is modest, but it still stayed positive while the benchmark was negative, which points to relative resilience over a short, choppy stretch. The 3-month return is also clearly ahead of the benchmark, so the fund has not relied only on the longer-run record to look competitive.

The longer-term picture is more important for this scheme. The 3-year return is ahead of the 5-year return, which tells us the fund has gone through uneven phases rather than a smooth upward climb, yet the medium-term outcome remains solid. The 5-year return is also ahead of the benchmark by a wide margin, which supports the view that the strategy has added value over a full market cycle.

What stands out is that the fund did not merely benefit from one recent stretch of strength. Its 1-year result is also positive and it remains well ahead of the benchmark, so the recent run has been consistent with the broader 3-year and 5-year trend. That combination is usually more useful for investors than one isolated good quarter, although the risk label still reminds us that drawdowns can be meaningful.

Source data date: as of 10 Sep 2026

Should you BUY or HOLD Bank of India Aggressive Hybrid?

A fund's past returns alone don't tell you whether you should buy it today or continue holding it.

The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.

Already holding Bank of India Aggressive Hybrid? Thinking of investing now?

Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium

Peer comparison

Fund	1Y return	3Y return	5Y return
Bank of India Aggressive Hybrid Fund Direct Growth Plan	15.71%	17.16%	14.99%
HSBC Multi Asset Active FOF Direct Growth Plan	15.45%	15.43%	12.38%
Quant Aggressive Hybrid Fund Direct Growth Plan	10.68%	12.75%	13.04%
Navi Aggressive Hybrid Fund Direct Growth Plan	9.83%	11.99%	11.51%
HSBC Aggressive Hybrid Active FOF Direct Growth Plan	9.12%	12.58%	11.02%

This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.

The fund’s 1-year return is slightly ahead of HSBC Multi Asset Active FOF Direct Growth Plan and clearly ahead of the other peer entries shown here. Its 3-year result is also the strongest among the listed peers, and the 5-year return is ahead of each peer with available data in this set. On the available return figures, the fund shows both better recent momentum and better long-term compounding than the peer group shown.

The more important takeaway is that the short-term and longer-term stories are aligned. Some peers are competitive over one period or another, but this fund has held a lead across 1 year, 3 years and 5 years. That makes the comparison more balanced than a single-period snapshot, and it supports a view that the scheme has combined return consistency with a stronger medium-term trend.

Source data date: as of 10 Sep 2026

Portfolio: where your money goes

Holding	Sector	Weight
TREPS	Cash & Cash Equivalents and Net Assets	6.55%
Bank of Maharashtra	Bank	2.44%
Balrampur Chini Mills Limited	Agri	2.27%
Sterlite Technologies Limited	Electricals	2.1%
Uno Minda Limited	Automobile & Ancillaries	2.06%
7.6% Power Finance Corporation Limited (13/04/2029) **	Corporate Debt	2.04%
Aurobindo Pharma Limited	Healthcare	2.01%
The Federal Bank Limited	Bank	2%
Abbott India Limited	Healthcare	1.89%
Mankind Pharma Limited	Healthcare	1.89%

The top 10 holdings account for approximately 25.25% of the portfolio.

To see all holdings, visit the Bank of India Aggressive Hybrid Fund Direct Growth Plan page

The largest holding is TREPS at 6.55%, which is meaningful but not dominant on its own. The next nine positions each sit in a fairly tight band between 2.44% and 1.89%, so weight falls away gradually rather than sharply after the first line item.

That shape suggests the visible book is spread across multiple individual positions instead of being driven by a single very large exposure. The top 10 together account for 25.25% of the portfolio, while the scheme discloses 79 holdings in total, so the displayed slice looks relatively diversified and the longer tail may still matter for overall behaviour.

In our view, this structure may reduce reliance on any one holding, but it does not remove equity-market sensitivity because the disclosed names still include banks, healthcare, industrials and a debt holding alongside cash equivalents.

Source data date: as of 10 Sep 2026

Who should invest

This fund is best suited to investors who can tolerate a High Risk label and want a long enough horizon for the 3-year and 5-year pattern to matter more than short-term swings. The returns profile shows stronger outcomes over 1 year, 3 years and 5 years than the benchmark, so it may appeal to investors looking for an equity-led hybrid option rather than a conservative stabiliser.

The main trade-off is that the strategy can be uneven in shorter stretches even when the broader trend remains positive. That makes it more appropriate for investors who are comfortable with volatility and who want a diversified hybrid fund with a meaningful equity orientation and some debt and cash support in the mix.

Tax and exit load

Holding period	Tax rate	Description
Units held less than 1 year	20%	Short-term capital gains tax
Units held more than 1 year	12.5%	Long-term capital gains tax

Exit load: NIL for 10% of investments and 1% for remaining investments on or before 3M, NIL after 3M.

Source data date: as of 10 Sep 2026

Frequently asked questions

What is the current NAV of Bank of India Aggressive Hybrid Fund Direct Growth Plan?

The current NAV is ₹47.96 as of 10 Sep 2026.

What are the fund’s 1-year, 3-year and 5-year returns?

The 1-year return is 15.71%, the 3-year return is 17.16% and the 5-year return is 14.99%.

How does the fund compare with the benchmark?

It has outpaced the NIFTY 50 across 1 month, 3 months, 1 year, 3 years and 5 years. The gap is especially visible over the 1-year and 5-year periods.

How does it compare with the peer funds shown here?

Its 1-year, 3-year and 5-year returns are stronger than the peer returns shown in the comparison table. The same pattern holds across both recent and longer-term periods.

Who manages the fund?

The fund is managed by Alok Singh.

What is the exit load and tax treatment?

The exit load is NIL for 10% of investments and 1% for remaining investments on or before 3M, and NIL after 3M. Units held for less than 1 year are taxed at 20%, while units held for more than 1 year are taxed at 12.5%.

Bottom line

Bank of India Aggressive Hybrid Fund Direct Growth Plan has shown a stronger return profile over 1 year, 3 years and 5 years than its benchmark, and that strength also carries through the peer table shown here. The recent trend is broadly in line with the longer-term record, which matters for a fund in the High Risk bucket. Its biggest visible holding is not excessive on its own, and the disclosed top holdings are spread across a range of sectors. This makes it a relevant choice for long-horizon investors who can accept volatility in exchange for equity-led growth within a hybrid structure.

Published on 11 September 2026 at 6:17 PM IST

Explore mutual funds with Univest

Review mutual fund data, compare performance and explore fund insights on Univest.

Explore Univest

RIA disclosure

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.