Bank of India Mid and Small Cap Equity and Debt Fund · Regular · Growth
NAV
₹41.8400
as of 31 Jul 2026
Expense Ratio
2.13%
AUM
₹1,485 Cr
Lumpsum returns (CAGR)
- 1Y
- +9.85%
- 3Y
- +16.75%
- 5Y
- +13.77%
- Since Inception
- +15.34%
SIP returns (XIRR)
- 1Y
- +15.40%
- 3Y
- +11.94%
- 5Y
- +14.83%
- Since Inception
- +16.47%
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹13,97,308 today — ₹5,95,000 invested, 16.5% XIRR.
₹5,95,000
Invested
₹13,97,308
Value today
16.5%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹4,09,794 today (15.2% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹27,00,635.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹4,39,035 today (4.39×).
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, annualised0.34
Sharpe Ratio
—
Alpha
—
Beta
0.31
Sortino
14.79%
Std Dev
-10.84%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Jun 2026- Pharmaceuticals & Biotechnology11.32%
- Electrical Equipment6.72%
- Auto Components5.34%
- Banks4.89%
- Industrial Products4.35%
- Finance3.93%
- Capital Markets3.92%
- Industrial Manufacturing3.17%
- Financial Technology (Fintech)2.94%
- Ferrous Metals2.48%
- Insurance2.40%
- Agricultural Food & other Products2.09%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
portfolio shared with BANK OF INDIA MID & SMALL CAP EQUITY & DEBT FUND - REGULAR PLAN IDCW
- 1Abbott India Limited2.25%
- 2Aurobindo Pharma Limited2.23%
- 3Uno Minda Limited2.12%
- 4Bank Of Maharashtra2.11%
- 5Nippon Life India Asset Management Limited2.06%
- 6Bharat Dynamics Limited1.95%
- 7Indian Bank1.95%
- 8Glenmark Pharmaceuticals Limited1.95%
- 9Quality Power Electrical Eqp Ltd1.89%
- 10Lloyds Metals And Energy Limited1.84%
Investment Objective
Bank of India Mid and Small Cap Equity and Debt Fund · Regular · Growth aims to generate long-term capital appreciation with moderate income by investing 65-80% in equity and 20-35% in debt instruments. This asset allocation provides equity upside with a debt cushion during market downturns.
About This Fund
Bank of India Mid and Small Cap Equity and Debt Fund · Regular · Growth is a Aggressive Hybrid mutual fund offered by Bank of India Mutual Fund. The fund has been operational for over 10 years. It manages assets worth ₹1,485 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY 50 Hybrid Composite Debt 65:35 Index. The current expense ratio is 2.13%.
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