Bank of India Small Cap Fund · Regular · Growth
NAV
₹56.0600
as of 03 Aug 2026
Expense Ratio
2.02%
AUM
₹1,340 Cr
Lumpsum returns (CAGR)
- 1Y
- +20.66%
- 3Y
- +21.21%
- 5Y
- +18.38%
- Since Inception
- +25.38%
SIP returns (XIRR)
- 1Y
- +41.10%
- 3Y
- +18.29%
- 5Y
- +20.01%
- Since Inception
- +25.47%
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 (Aug 2021 – Aug 2026)
A ₹5,000 monthly SIP for the last 5 years (Aug 2021 – Aug 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹4,78,828 today — ₹2,95,000 invested, 19.9% XIRR.
₹2,95,000
Invested
₹4,78,828
Value today
19.9%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 5 years (Aug 2021 – Aug 2026)
Real NAV backtest
₹1,00,000 invested 5 years ago would be ₹2,32,518 today (18.4% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2021 would still hold ₹18,46,348.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹4,78,828 in this fund vs ₹4,39,712 in the benchmark — outperformance of ₹39,116.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 5 years (Aug 2021 – Aug 2026) (3 Jun 2024) would be ₹1,32,467 today (1.32×).
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, annualised0.60
Sharpe Ratio
+0.15
Alpha
0.51
Beta
0.57
Sortino
19.21%
Std Dev
-17.80%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Jun 2026- Electrical Equipment8.52%
- Pharmaceuticals & Biotechnology8.06%
- Capital Markets7.60%
- Auto Components6.84%
- Industrial Products6.29%
- Consumer Durables6.14%
- Textiles & Apparels5.28%
- Industrial Manufacturing4.41%
- Banks3.98%
- Finance3.74%
- Healthcare Services3.39%
- Leisure Services2.88%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1Acutaas Chemicals Limited2.92%
- 2Quality Power Electrical Eqp Ltd2.69%
- 3Sky Gold And Diamonds Limited2.67%
- 4Wockhardt Limited2.64%
- 5Arvind Limited2.51%
- 6Cemindia Projects Ltd2.43%
- 7Computer Age Management Services Limited2.33%
- 8City Union Bank Limited2.30%
- 9Krishna Institute Of Medical Sciences Limited2.13%
- 10Icici Bank Limited (15/09/2026) #1.92%
Investment Objective
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 offer higher growth potential but also carry higher volatility and risk compared to 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 ₹1,340 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY Smallcap 250 TRI. The current expense ratio is 2.02%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •Investors who understand that small-cap stocks can be highly volatile and are willing to stay invested for the long term
- •SIP investors who can benefit from rupee cost averaging during market fluctuations