Bank of India Flexi Cap Fund · Regular · Growth
NAV
₹37.7200
as of 31 Jul 2026
Expense Ratio
1.98%
AUM
₹2,412 Cr
Lumpsum returns (CAGR)
- 1Y
- +10.55%
- 3Y
- +18.72%
- 5Y
- +15.54%
- Since Inception
- +24.38%
SIP returns (XIRR)
- 1Y
- +14.08%
- 3Y
- +12.09%
- 5Y
- +16.07%
- Since Inception
- +18.35%
What history actually did — last 6 years (Aug 2020 – Jul 2026)
A ₹5,000 monthly SIP for the last 6 years (Aug 2020 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹5,92,487 today — ₹3,55,000 invested, 17.3% XIRR.
₹3,55,000
Invested
₹5,92,487
Value today
17.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 6 years (Aug 2020 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 6 years ago would be ₹3,58,896 today (23.8% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2020 would still hold ₹29,96,476.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹5,92,487 in this fund vs ₹5,13,764 in the benchmark — outperformance of ₹78,723.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 6 years (Aug 2020 – Jul 2026) (3 Jun 2024) would be ₹1,08,703 today (1.09×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised0.30
Sharpe Ratio
+0.07
Alpha
0.31
Beta
0.27
Sortino
16.37%
Std Dev
-12.74%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Jun 2026- Banks16.27%
- Pharmaceuticals & Biotechnology7.71%
- Electrical Equipment6.84%
- Auto Components5.06%
- Consumer Durables4.85%
- Aerospace & Defense4.65%
- Power4.21%
- Finance3.66%
- Industrial Manufacturing3.40%
- Agricultural Food & other Products2.72%
- Transport Infrastructure2.63%
- Minerals & Mining2.62%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1State Bank Of India4.48%
- 2Icici Bank Limited3.68%
- 3Hdfc Bank Limited3.43%
- 4Sky Gold And Diamonds Limited3.12%
- 5Hindustan Aeronautics Limited3.08%
- 6Quality Power Electrical Eqp Ltd2.73%
- 7Acutaas Chemicals Limited2.69%
- 8Adani Ports And Special Economic Zone Limited2.63%
- 9Lloyds Metals And Energy Limited2.62%
- 10Dr. Reddy'S Laboratories Limited2.57%
Investment Objective
Bank of India Flexi Cap Fund · Regular · Growth aims to generate long-term capital appreciation by investing across companies of all market capitalisations — large, mid, and small cap — without any restriction on allocation. The fund manager has the flexibility to dynamically shift between segments based on market conditions.
About This Fund
Bank of India Flexi Cap Fund · Regular · Growth is a Flexi Cap mutual fund offered by Bank of India Mutual Fund. The fund has been operational for over 6 years. It manages assets worth ₹2,412 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY 500 TRI. The current expense ratio is 1.98%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations