Bank of India Small Cap Fund · Regular · Growth
NAV
₹53.2800
as of 17 Jun 2026
Expense Ratio
2.02%
AUM
₹1,121 Cr
Lumpsum returns (CAGR)
- 1Y
- +15.10%
- 3Y
- +21.38%
- 5Y
- +19.60%
- Since Inception
- +25.01%
SIP returns (XIRR)
- 1Y
- +31.63%
- 3Y
- +16.83%
- 5Y
- +18.89%
- Since Inception
- +24.91%
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 —.
Beat the benchmark — ₹500/month SIP
Same SIP in this fund vs the benchmark index
This fund
₹1,10,254
Benchmark
₹96,717
+₹13,537 extra wealth vs the benchmark index
Backtest this SIP yourselfSIP since inception — what ₹500/month became
Real NAV backtest from day one
₹45,000
Invested
₹1,10,254
Value today
23.6%
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
₹5,060
Value today
24.2%
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
₹4,50,000
Withdrawn
₹39,57,465
Corpus left
+₹34,07,465 net gain — withdrew ₹4,50,000 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
₹30,22,383
Value today
-0.5%
vs lumpsum
Direct lumpsum would have beaten STP by 0.5% — 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
₹6,17,073
Value today
6.2×
Multiple
Staying invested through that crash turned ₹1L into ₹6,17,073 — a 6.2× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised0.04
Sharpe Ratio
+0.07
Alpha
0.55
Beta
0.04
Sortino
21.09%
Std Dev
-25.15%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Mar 2026- Auto Components9.00%
- Electrical Equipment9.00%
- Industrial Products9.00%
- Pharmaceuticals & Biotechnology9.00%
- Consumer Durables8.00%
- Capital Markets7.00%
- Banks5.00%
- Finance4.00%
- Textiles & Apparels4.00%
- Industrial Manufacturing4.00%
- Minerals & Mining3.00%
- Leisure Services3.00%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1Acutaas Chemicals Limited3.08%
- 2Wockhardt Limited2.92%
- 3Lloyds Metals And Energy Limited2.60%
- 4Quality Power Electrical Eqp Ltd2.57%
- 5Indian Bank2.53%
- 6City Union Bank Limited2.52%
- 7Computer Age Management Services Limited2.39%
- 8Sky Gold And Diamonds Limited2.32%
- 9Fiem Industries Limited2.31%
- 10Eris Lifesciences Limited2.10%
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 ₹1,121 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