Bank of India Small Cap Fund · Regular · Growth
NAV
₹58.2000
as of 13 Nov 2026
Expense Ratio
2.22%
AUM
₹3,105 Cr
Lumpsum returns (CAGR)
- 1Y
- +24.79%
- 3Y
- +17.15%
- 5Y
- +16.92%
- Since Inception
- +25.03%
SIP returns (XIRR)
- 1Y
- +36.27%
- 3Y
- +17.35%
- 5Y
- +19.69%
- Since Inception
- +24.84%
Returns calculated from 19 December 2018 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 5 years (Nov 2021 – Nov 2026)
A ₹5,000 monthly SIP for the last 5 years (Nov 2021 – Nov 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹4,83,693 today — ₹3,00,000 invested, 19.7% XIRR.
₹3,00,000
Invested
₹4,83,693
Value today
19.7%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 5 years (Nov 2021 – Nov 2026)
Real NAV backtest
₹1,00,000 invested 5 years ago would be ₹2,18,468 today (16.9% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Nov 2021 would still hold ₹17,00,992.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹4,83,693 in this fund vs ₹4,26,038 in the benchmark — outperformance of ₹57,655.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 5 years (Nov 2021 – Nov 2026) (4 Jun 2024) would be ₹1,47,379 today (1.47×).
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, annualised0.79
Sharpe Ratio
—
Alpha
—
Beta
0.73
Sortino
15.96%
Std Dev
-17.80%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Sept 2026- Auto Components8.11%
- Electrical Equipment7.03%
- Pharmaceuticals & Biotechnology5.98%
- Consumer Durables5.59%
- Banks5.43%
- Industrial Manufacturing5.39%
- Capital Markets5.02%
- Industrial Products4.99%
- Telecom - Equipment & Accessories4.71%
- Aerospace & Defense3.96%
- Textiles & Apparels3.61%
- Food Products3.35%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Hero Motors Ltd2.82%
- 2Sky Gold And Diamonds Limited2.72%
- 3City Union Bank Limited2.72%
- 4Sterlite Technologies Limited2.53%
- 5Quality Power Electrical Eqp Ltd2.51%
- 6Raymond Limited2.51%
- 7Optiemus Infracom Ltd2.18%
- 8Sigma Advanced Systems Limited2.15%
- 9Anand Rathi Wealth Limited2.08%
- 10Wockhardt Limited2.02%
What this fund does
Bank of India Small Cap Fund · Regular · Growth aims to generate long-term capital appreciation by investing in small-cap companies — ranked 251st and below by market capitalisation. Small-cap funds carry wider price swings than large-cap and mid-cap funds.
About This Fund
Bank of India Small Cap Fund · Regular · Growth is a Small Cap mutual fund offered by Bank of India Mutual Fund. The fund has been operational for over 7 years. It manages assets worth ₹3,105 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY Smallcap 250 TRI. The current expense ratio is 2.22%.
Who Should Invest?
- •Small-cap stocks can swing sharply in both directions — the category is built for money that can stay invested for years