Bank of India Small Cap Fund · Regular · Growth
NAV
₹58.4100
as of 29 Sept 2026
Expense Ratio
2.17%
AUM
₹1,356 Cr
Lumpsum returns (CAGR)
- 1Y
- +27.98%
- 3Y
- +19.87%
- 5Y
- +18.28%
- Since Inception
- +25.54%
SIP returns (XIRR)
- 1Y
- +41.21%
- 3Y
- +19.12%
- 5Y
- +20.59%
- Since Inception
- +25.61%
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 (Sept 2021 – Sept 2026)
A ₹5,000 monthly SIP for the last 5 years (Sept 2021 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹4,97,306 today — ₹3,00,000 invested, 20.5% XIRR.
₹3,00,000
Invested
₹4,97,306
Value today
20.5%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 5 years (Sept 2021 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 5 years ago would be ₹2,31,510 today (18.3% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2021 would still hold ₹18,17,795.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹4,97,306 in this fund vs ₹4,29,853 in the benchmark — outperformance of ₹67,453.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 5 years (Sept 2021 – Sept 2026) (3 Jun 2024) would be ₹1,38,020 today (1.38×).
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, annualised1.29
Sharpe Ratio
+0.25
Alpha
0.51
Beta
1.25
Sortino
16.43%
Std Dev
-17.80%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Auto Components7.05%
- Consumer Durables6.83%
- Electrical Equipment6.76%
- Pharmaceuticals & Biotechnology6.51%
- Industrial Products6.29%
- Capital Markets5.59%
- Banks4.84%
- Textiles & Apparels4.02%
- Food Products3.83%
- Healthcare Services3.48%
- Leisure Services2.72%
- Aerospace & Defense2.71%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Sky Gold And Diamonds Limited3.01%
- 2Quality Power Electrical Eqp Ltd2.45%
- 3City Union Bank Limited2.37%
- 4Sterlite Technologies Limited2.21%
- 5Balrampur Chini Mills Limited2.17%
- 6Eid Parry India Limited2.09%
- 7Computer Age Management Services Limited2.02%
- 8Wockhardt Limited1.99%
- 9Arvind Limited1.85%
- 10Tbo Tek Limited1.82%
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 ₹1,356 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY Smallcap 250 TRI. The current expense ratio is 2.17%.
Who Should Invest?
- •Small-cap stocks can swing sharply in both directions — the category is built for money that can stay invested for years