Bank of India Mid and Small Cap Equity and Debt Fund · Regular · Growth
NAV
₹42.0600
as of 15 Jul 2026
Expense Ratio
2.13%
AUM
₹1,329 Cr
Lumpsum returns (CAGR)
- 1Y
- +8.47%
- 3Y
- +18.55%
- 5Y
- +14.12%
- Since Inception
- +15.43%
SIP returns (XIRR)
- 1Y
- +16.96%
- 3Y
- +12.35%
- 5Y
- +15.12%
- Since Inception
- +16.61%
What history actually did — last 10 years (Jul 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹14,18,815 today — ₹6,00,000 invested, 16.6% XIRR.
₹6,00,000
Invested
₹14,18,815
Value today
16.6%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹4,18,700 today (15.4% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2016 would still hold ₹27,68,185.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Jul 2016 – Jul 2026) (22 Mar 2020) would be ₹4,39,349 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, annualised0.20
Sharpe Ratio
—
Alpha
—
Beta
0.18
Sortino
15.52%
Std Dev
-13.41%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 May 2026- Pharmaceuticals & Biotechnology10.43%
- Electrical Equipment6.75%
- Auto Components5.69%
- Industrial Products4.38%
- Banks4.16%
- Capital Markets4.10%
- Finance3.99%
- Non - Ferrous Metals3.53%
- Ferrous Metals3.14%
- Industrial Manufacturing2.96%
- Insurance2.75%
- Minerals & Mining2.57%
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 - DIRECT PLAN IDCW
- 1Abbott India Limited2.59%
- 2Lloyds Metals And Energy Limited2.57%
- 3Uno Minda Limited2.35%
- 4Aurobindo Pharma Limited2.20%
- 5Glenmark Pharmaceuticals Limited2.20%
- 6Indian Bank2.17%
- 7Nippon Life India Asset Management Limited2.12%
- 8Max Financial Services Limited2.06%
- 9Bank Of Maharashtra1.99%
- 10Bharat Dynamics Limited1.88%
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