Bank of India Flexi Cap Fund · Regular · Growth
NAV
₹37.8700
as of 30 Sept 2026
Expense Ratio
2.25%
AUM
₹2,414 Cr
Lumpsum returns (CAGR)
- 1Y
- +9.86%
- 3Y
- +16.71%
- 5Y
- +14.71%
- Since Inception
- +23.73%
SIP returns (XIRR)
- 1Y
- +11.48%
- 3Y
- +10.10%
- 5Y
- +15.23%
- Since Inception
- +17.59%
What history actually did — last 6 years (Oct 2020 – Sept 2026)
A ₹5,000 monthly SIP for the last 6 years (Oct 2020 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹5,71,706 today — ₹3,55,000 invested, 16.1% XIRR.
₹3,55,000
Invested
₹5,71,706
Value today
16.1%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 6 years (Oct 2020 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 6 years ago would be ₹3,27,595 today (21.9% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Oct 2020 would still hold ₹27,04,245.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹5,71,706 in this fund vs ₹4,68,969 in the benchmark — outperformance of ₹1,02,737.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 6 years (Oct 2020 – Sept 2026) (3 Jun 2024) would be ₹1,09,135 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, annualised0.86
Sharpe Ratio
+0.13
Alpha
0.23
Beta
0.81
Sortino
14.22%
Std Dev
-12.28%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks14.53%
- Pharmaceuticals & Biotechnology7.62%
- Aerospace & Defense6.34%
- Electrical Equipment5.92%
- Consumer Durables4.64%
- Auto Components4.53%
- Agricultural Food & other Products3.27%
- Power3.16%
- IT - Services3.15%
- Automobiles2.87%
- Retailing2.71%
- Industrial Manufacturing2.48%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1State Bank Of India5.01%
- 2Icici Bank Limited3.94%
- 3Hindustan Aeronautics Limited2.99%
- 4Sky Gold And Diamonds Limited2.90%
- 5Quality Power Electrical Eqp Ltd2.84%
- 6Balrampur Chini Mills Limited2.76%
- 7Mankind Pharma Limited2.70%
- 8Dr. Reddy'S Laboratories Limited2.47%
- 9Bharti Airtel Limited2.45%
- 10Entero Healthcare Solutions Ltd2.43%
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 ₹2,414 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY 500 TRI. The current expense ratio is 2.25%.