BANK OF INDIA CONSUMPTION FUND

(An open ended equity scheme following consumption theme)

NFO Opens:
29th November 2024

NFO Closes:
13th December 2024

Key Features

Balancing growth and stability

Dynamic top down and bottom-up approach

Market cap agnostic

Evolving per capita income
boosting non food consumption

Share of consumption toward non food increasing*

52%

in 2012

57%

in 2023

80%

in 2047

Source : PWC, Worldometers, various broker estimates, #Estimated to grow at 8.5% CAGR, Niti Aayog projects (India's GDP to reach $30 trn by 2047), *Avg of Rural and Urban consumption towards non-food

Gen Z Will Dominate Workforce In The Next Decade

At 377M, Gen Z is the largest generation to ever live in India

1 in 4 Gen Zs is already working; in 10 years, 1 in 2 will be earning

Gen Z drives 45-50% of India's consumer spending in auto, electronics, and entertainment

Gen Z work force participation to increase from 26% to 47%

Current

26%

2030E

36%

2035E

47%

Silent & Boomers

11%

Gen X

17%

Gen Y

25%

Gen Z

26%

Gen Alpha

21%

Source : The $2 trillion opportunity, How Gen Z is shaping the new India, Oct 2024

Why Consumption fund now?

Ability to participate in India's structural growth story - Rising disposable income, value migration and premiuimisation

Capitalize on one of the world's largest
middle-class advancement journey

Engage in growth and new
emerging opportunities

Pricing power and cash flow visibility

Relatively less prone to economic cycles
vis a vis broader market indices

Why Bank of India Consumption Fund?

Capitalize on evolving consumption trends driven by higher disposable incomes and lifestyle changes.

Blend of consumer staples, discretionary, e-commerce, consumption ecosystem and allied activities.

Agile portfolio management, balancing growth and stability across market conditions.

Participate in value shifts in mature businesses and growth trends in emerging companies.

Market capitalization agnostic

Portfolio strategy

Stable growth

Brand-distribution advantage, stable ROE and cashflow generation, relatively resilient in downturns

Extended potential for growth

Right to win , business in growth phase, operating leverage beneficiary of rising disposable income, unorganised to organised transition

Evolving business

Niche business with potential large scale
opportunities, agile and scalable businesses

Asset Allocation Framework

Equity & Equity related instruments of companies engaged in consumption and consumption related sectors or allied sectors 80% to 100%
Other Equity & Equity Related Instruments 0% to 20%
Debt and Money Market instruments 0% to 20%
Units issued by REITs and InVlTS 0% to 10%

Fund Facts

Type

(An open ended equity scheme following consumption theme)

Benchmark

Nifty India Consumption TRI

Fund Manager

Mr. Nitin Gosar

Plan & Options

Plans- Direct Plan and Regular Plan

Options under each Plan(s):

Growth
Income Distribution cum Capital Withdrawal (IDCW) (Reinvestment of IDCW & payout of IDCW option)

Load structure

Exit Load:

NIL— There will be no exit load within 3 months from the date of allotment for redemption/switch out upto 10% of the units allotted.
1% - Any redemption/switch out in excess of the above mentioned limit would be subject to an exit load of 1%, if the units are redeemed/ switched out within 3 months from the date of allotment of units.
NIL— There will be no exit load on any redemption/switch out after 3 months from the date of allotment of units.

Minimum Investment Amount

Rs. 5,000/- and in multiples of Re. 1/- thereafter.

Risk-o-meter

Bank of India Consumption fund

(An open ended equity scheme following consumption theme)

This Product is suitable for Investors who seeking*:

Long term capital appreciation
An equity scheme investing in equity & equity related securities of companies engaged in consumption and consumption related sector or allied sectors.

*Investor should consult their financial advisor if in doubt about whether the product is suitable for them

Scheme Riskometer#

Investor understand that their principal will be at very high risk.

BENCHMARK RISKOMETER#

Benchmark riskometer is at very high risk.

As per AMFI, Tier I Benchmark is Nifty India Consumption TRI

#It may be noted that the scheme risk-o-meter specified above is based on the internal assessment of scheme characteristics and may vary post NFO, when the actual investments are made.