Bank of India Flexi Cap Fund · Regular · Growth
NAV
₹39.2700
as of 13 Nov 2026
Expense Ratio
2.28%
AUM
₹2,876 Cr
Lumpsum returns (CAGR)
- 1Y
- +9.82%
- 3Y
- +17.01%
- 5Y
- +14.34%
- Since Inception
- +23.94%
SIP returns (XIRR)
- 1Y
- +17.62%
- 3Y
- +10.94%
- 5Y
- +16.08%
- Since Inception
- +18.12%
What history actually did — last 6 years (Nov 2020 – Nov 2026)
A ₹5,000 monthly SIP for the last 6 years (Nov 2020 – Nov 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹5,87,031 today — ₹3,60,000 invested, 16.5% XIRR.
₹3,60,000
Invested
₹5,87,031
Value today
16.5%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 6 years (Nov 2020 – Nov 2026)
Real NAV backtest
₹1,00,000 invested 6 years ago would be ₹3,15,929 today (21.1% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Nov 2020 would still hold ₹25,72,261.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹5,87,031 in this fund vs ₹5,02,183 in the benchmark — outperformance of ₹84,848.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 6 years (Nov 2020 – Nov 2026) (4 Jun 2024) would be ₹1,26,270 today (1.26×).
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, annualised0.39
Sharpe Ratio
+0.08
Alpha
0.92
Beta
0.35
Sortino
13.57%
Std Dev
-12.28%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Sept 2026- Banks14.36%
- Pharmaceuticals & Biotechnology7.49%
- Aerospace & Defense6.64%
- Electrical Equipment5.80%
- Consumer Durables4.70%
- Telecom - Equipment & Accessories4.17%
- Auto Components4.09%
- IT - Services4.01%
- Power3.04%
- Retailing2.52%
- Agricultural Food & other Products2.51%
- Automobiles2.45%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1State Bank Of India5.05%
- 2Icici Bank Limited3.41%
- 3Quality Power Electrical Eqp Ltd2.78%
- 4Hindustan Aeronautics Limited2.77%
- 5Mankind Pharma Limited2.67%
- 6Sky Gold And Diamonds Limited2.62%
- 7Sigma Advanced Systems Limited2.62%
- 8Sterlite Technologies Limited2.61%
- 9Dr. Reddy'S Laboratories Limited2.51%
- 10Balrampur Chini Mills Limited2.51%
What this fund does
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 ₹2,876 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY 500 TRI. The current expense ratio is 2.28%.