Bank of India Manufacturing and Infrastructure Fund Analyst Review: NAV, Returns and Key Insights 2026

The Bank of India Manufacturing and Infrastructure Fund Direct Growth plan has delivered a 1-year return of 19.54% and a 3-month return of 7.08%, offering investors steady exposure to its target segment. With a NAV of Rs 75.38 and AUM of Rs 755.26 crore, the fund maintains a solid footing in its category. This analyst review covers performance, costs, risks, and investment suitability for 2025.

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What Is the Bank of India Manufacturing & Infrastructure Fund?

The Bank of India Manufacturing & Infrastructure Fund is a Sectoral/Thematic equity fund concentrating its portfolio around a specific sector, industry, or investment theme. Thematic funds offer high-conviction, focused exposure that can generate outsized returns when the theme performs well but also amplifies drawdowns during adverse cycles. The fund carries a Very High risk rating and is best used as a satellite allocation within a diversified portfolio.

Bank of India Manufacturing & Infrastructure Fund NAV and AUM

The current NAV of the Bank of India Manufacturing & Infrastructure Fund Direct Growth plan is Rs 75.38. NAV is updated each trading day and reflects the closing market prices of the fund’s underlying securities. Always verify the most recent NAV on the AMC website or a registered mutual fund platform before placing any transaction.

With an AUM of Rs 755.26 crore, the fund is relatively nimble. This can be advantageous for portfolio agility and the ability to take positions without significant market impact. Investors should track AUM trends alongside performance metrics when evaluating this fund.

Bank of India Manufacturing & Infrastructure Fund Returns: Performance Snapshot

Period	Returns
1 Month	4.21%
3 Months	7.08%
1 Year	19.54%
3 Years (Annualised)	27.68%
5 Years (Annualised)	23.51%

The Bank of India Manufacturing & Infrastructure Fund has delivered a 1-year return of 19.54% and a 3-month return of 7.08%, reflecting steady conditions in the underlying market segment. While these numbers may appear modest, consistent compounding at this rate over 5 to 7 years can produce meaningful portfolio growth. Investors should compare returns against the fund’s benchmark and category average before drawing conclusions.

Expense Ratio and Cost Efficiency

The Bank of India Manufacturing & Infrastructure Fund Direct Growth plan carries an expense ratio of 0.68% per annum, a competitive figure for its fund category. A lower expense ratio means a larger proportion of gross returns is retained by the investor. Combined with the direct plan’s elimination of distributor commissions, this provides a strong cost-to-value proposition over a long investment horizon.

Who Should Invest in Bank of India Manufacturing & Infrastructure Fund?

The Bank of India Manufacturing & Infrastructure Fund suits investors with high conviction in the specific sector or theme the fund targets, combined with a Very High risk appetite and a minimum 5 to 7-year horizon. The minimum SIP is Rs 1000 and minimum lumpsum is Rs 5000. Thematic funds should be used as satellite allocations of 10 to 15 percent rather than as core holdings. Investors without a specific view on the underlying theme should avoid this fund.

Key Risks to Consider

Concentration Risk: Thematic funds invest in a narrow market segment. A structural or cyclical downturn in the specific sector or theme provides limited diversification away from the adverse impact.

Timing Risk: Entry at peak valuations during a theme’s popularity can result in extended periods of underperformance. Thematic funds are highly sensitive to investor entry and exit timing.

Regulatory Risk: Sectors such as defence, pharma, and energy can be significantly impacted by government policy changes or regulatory shifts that are difficult to predict in advance.

Valuation Risk: Elevated valuations in the underlying investment universe can reduce future return potential even if the fundamental business performance of portfolio companies remains strong.

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Conclusion

The Bank of India Manufacturing & Infrastructure Fund has delivered steady returns within its investment category. With an expense ratio of 0.68% and an AUM of Rs 755.26 crore, it offers a structured route to its target market segment. Investors with a long-term horizon who believe in the fund’s mandate should ensure it aligns with their overall portfolio strategy. Consult a SEBI-registered investment advisor before investing.

Investments in securities are subject to market risk. This content is for educational purposes only and does not constitute investment advice.

Frequently Asked Questions

What is the current NAV of Bank of India Manufacturing & Infrastructure Fund?

Ans. The current NAV of the Bank of India Manufacturing & Infrastructure Fund Direct Growth plan is Rs 75.38. NAV is updated each trading day and reflects the closing market value of the fund’s underlying holdings. Always verify the most recent NAV on the AMC website or a SEBI-registered mutual fund platform before transacting.

What are the returns of Bank of India Manufacturing & Infrastructure Fund?

Ans. The fund has delivered a 1-year return of 19.54% and a 3-month return of 7.08%. The 3-year annualised return is 27.68% and the 5-year annualised return is 23.51%. Past performance does not guarantee future results and should be evaluated alongside the fund’s risk profile and benchmark comparison.

What is the expense ratio of Bank of India Manufacturing & Infrastructure Fund Direct Growth?

Ans. The expense ratio of the Bank of India Manufacturing & Infrastructure Fund Direct Growth plan is 0.68% per annum. The direct plan eliminates distributor commissions and is more cost-efficient than the regular plan. Investors should always opt for the direct plan to maximise long-term net returns through the compounding advantage of lower costs.

Is this fund suitable for conservative investors?

Ans. No. This fund carries a Very High risk rating due to concentrated exposure to a specific market segment or investment theme. It is not suitable for conservative investors or those with short investment timelines. A minimum 5 to 7-year horizon and a high risk tolerance are required prerequisites. Consult a SEBI-registered investment advisor before investing.

What is the minimum SIP amount for this fund?

Ans. The minimum monthly SIP is Rs 1000 and the minimum lumpsum investment is Rs 5000. The low entry thresholds make the fund accessible across income levels. A regular SIP approach is recommended to average out entry costs over time, particularly given the high-volatility nature of this fund’s category.

What category and sub-category does this fund belong to?

Ans. This fund is a Sectoral/Thematic equity fund with a focused portfolio aligned to a specific sector or theme. It falls under the Sectoral / Thematic sub-category and is available as a direct growth plan, which eliminates distributor commissions and typically offers superior net returns compared to the regular plan.