Bank of India Flexi Cap Fund · Regular · Growth
NAV
₹37.8300
as of 15 Jul 2026
Expense Ratio
1.98%
AUM
₹2,167 Cr
Lumpsum returns (CAGR)
- 1Y
- +8.04%
- 3Y
- +20.17%
- 5Y
- +15.72%
- Since Inception
- +24.45%
SIP returns (XIRR)
- 1Y
- +14.02%
- 3Y
- +12.01%
- 5Y
- +16.09%
- Since Inception
- +18.40%
What history actually did — last 6 years (Jul 2020 – Jul 2026)
A ₹5,000 monthly SIP for the last 6 years (Jul 2020 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹6,05,707 today — ₹3,60,000 invested, 17.6% XIRR.
₹3,60,000
Invested
₹6,05,707
Value today
17.6%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 6 years (Jul 2020 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 6 years ago would be ₹3,69,990 today (24.4% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2020 would still hold ₹30,94,194.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹6,05,707 in this fund vs ₹5,20,669 in the benchmark — outperformance of ₹85,038.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 6 years (Jul 2020 – Jul 2026) (3 Jun 2024) would be ₹1,08,012 today (1.08×).
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, annualised0.11
Sharpe Ratio
+0.03
Alpha
0.31
Beta
0.10
Sortino
17.25%
Std Dev
-16.12%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 May 2026- Banks14.72%
- Electrical Equipment6.58%
- Pharmaceuticals & Biotechnology5.48%
- Auto Components5.20%
- Consumer Durables5.12%
- Aerospace & Defense4.89%
- Power4.55%
- Finance3.82%
- Minerals & Mining3.60%
- Non - Ferrous Metals3.33%
- Automobiles2.84%
- Transport Infrastructure2.79%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1State Bank Of India4.04%
- 2Lloyds Metals And Energy Limited3.60%
- 3Sky Gold And Diamonds Limited3.24%
- 4Hindustan Aeronautics Limited3.22%
- 5Icici Bank Limited3.06%
- 6Adani Ports And Special Economic Zone Limited2.79%
- 7Bharti Airtel Limited2.69%
- 8Hdfc Bank Limited2.65%
- 9Acutaas Chemicals Limited2.54%
- 10Quality Power Electrical Eqp Ltd2.52%
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 ₹2,167 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