Bank of India Mid and Small Cap Equity and Debt Fund · Regular · Growth
NAV
₹41.4400
as of 17 Jun 2026
Expense Ratio
2.13%
AUM
₹1,329 Cr
Lumpsum returns (CAGR)
- 1Y
- +8.25%
- 3Y
- +19.10%
- 5Y
- +15.77%
- Since Inception
- +15.43%
SIP returns (XIRR)
- 1Y
- +15.93%
- 3Y
- +12.73%
- 5Y
- +15.20%
- Since Inception
- +16.63%
SIP since inception — what ₹500/month became
Real NAV backtest from day one
₹59,500
Invested
₹1,35,002
Value today
15.9%
XIRR (p.a.)
₹500/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹1,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹1,000
Invested
₹3,979
Value today
15.0%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹5,95,000
Withdrawn
₹26,28,976
Corpus left
+₹22,23,976 net gain — withdrew ₹5,95,000 AND corpus grew
Plan your SWP with real NAV₹6L corpus via 12-month STP from a liquid fund at inception
₹50K/month transferred from HDFC Liquid → this fund at launch
₹6,00,000
Invested
₹22,34,218
Value today
-6.4%
vs lumpsum
Direct lumpsum would have beaten STP by 6.4% — but STP reduced timing risk
Model your own STP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹4,17,524
Value today
4.2×
Multiple
Staying invested through that crash turned ₹1L into ₹4,17,524 — a 4.2× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised-0.06
Sharpe Ratio
—
Alpha
—
Beta
-0.05
Sortino
16.09%
Std Dev
-18.41%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Apr 2026- Pharmaceuticals & Biotechnology11.00%
- Electrical Equipment7.00%
- Auto Components6.00%
- Industrial Products5.00%
- Finance5.00%
- Banks4.00%
- Non - Ferrous Metals4.00%
- Minerals & Mining3.00%
- Capital Markets3.00%
- Ferrous Metals3.00%
- Insurance3.00%
- Industrial Manufacturing3.00%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1Lloyds Metals And Energy Limited2.64%
- 2Abbott India Limited2.58%
- 3Uno Minda Limited2.49%
- 4Glenmark Pharmaceuticals Limited2.44%
- 5Indian Bank2.33%
- 6Aurobindo Pharma Limited2.25%
- 7Bharat Dynamics Limited2.23%
- 8Quality Power Electrical Eqp Ltd2.11%
- 9Bank Of Maharashtra2.07%
- 10Nippon Life India Asset Management Limited2.05%
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 9 years. It manages assets worth ₹1,329 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