Sharpe ratio
0.69Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+14.18%1Y Absolute Return
-0.04%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| BANK OF INDIA MID & SMALL CAP EQUITY & DEBT FUND - DIRECT PLAN GROWTHFund 5Y annualised return | ₹10,39,130 | ₹7,32,612 | ₹3,06,518 | +14.08% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.16
₹1 Lakh since launch₹1.16 Lakh
Fund age10.3 yrs
Fund information
Scheme code139527
ISININF761K01DM6
BenchmarkGROWWEH
CategoryHybrid Scheme - Aggressive Hybrid Fund
Expense ratio0.87%
Exit loadExit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months.
Minimum SIP₹1,000 SIP
Return comparison
1st / 159 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +10.53% | — | — |
| 3M | +2.48% | — | — |
| 6M | +15.34% | — | — |
| 1Y | +14.18% | — | -0.13% |
| 3Y | +15.23% | — | +8.78% |
| 5Y | +14.08% | — | +7.29% |
| 10Y | +16.62% | — | — |
| Since Launch | +16.22% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.94Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
13.73%How much the fund’s returns fluctuate over time.
Moderate volatility
Returns can move up and down noticeably.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.44How well the fund rewarded investors relative to its biggest decline.
Low
Returns have been modest compared to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Equity76.15%
Debt20.86%
Cash2.99%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 108 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Repo | Unspecified | Repo | 2.29% |
| Abbott India Ltd | Healthcare | Equity | 2.25% |
| Aurobindo Pharma Ltd | Healthcare | Equity | 2.23% |
| UNO Minda Ltd | Consumer Discretionary | Equity | 2.12% |
| Bank of Maharashtra | Financial | Equity | 2.11% |
| Nippon Life India Asset Management Ltd | Financial | Equity | 2.06% |
| Glenmark Pharmaceuticals Ltd | Healthcare | Equity | 1.95% |
| Indian Bank | Financial | Equity | 1.95% |
| Bharat Dynamics Ltd | Industrials | Equity | 1.95% |
| Quality Power Electrical Equipments Ltd. | Industrials | Equity | 1.89% |
Fund management
AL
Alok Singh
Since 2017 · Prior to joining Bank of India AMC he has worked with BNP Paribas Asset Management and Axis Bank
Mr. Singh is a CFA and PGDBA from ICFAI Business School.
Compare similar funds
No comparable category funds are available yet.
Summary
A very high-risk hybrid scheme - aggressive hybrid fund. Ahead of its category average over 3Y by 6.4 points. Has fallen sharply before — down -36.6% at its worst.
Strengths
- Ahead of its category average over 3Y by 6.4 points.
- Well spread out — top 10 holdings are only 20% of the portfolio.
- Same fund manager for 10+ years — the strategy has not chopped and changed.
- Ranks 1 of 159 in its category over 1 year.
Weaknesses
- Has fallen sharply before — down -36.6% at its worst.
Ideal investor
- Needs a 4–5+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 13.7% volatility.
Risk drivers
- None