Sharpe ratio
1.11Return earned for the risk taken.
Good
Good risk-adjusted returns. The fund has delivered strong returns for its level of risk.
+11.34%1Y Absolute Return
-0.39%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 Flexi Cap Fund Direct Plan -GrowthFund 5Y annualised return | ₹10,94,670 | ₹7,32,612 | ₹3,62,058 | +16.06% |
| 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₹1.26
₹1 Lakh since launch₹1.26 Lakh
Fund age6.4 yrs
Fund information
Scheme code148404
ISININF761K01FF5
BenchmarkBSE 500 TRI
CategoryEquity Scheme - Flexi Cap Fund
Expense ratio0.85%
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
5th / 175 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +67.18% | — | — |
| 3M | +7.16% | — | — |
| 6M | +21.72% | — | — |
| 1Y | +11.34% | — | +2.11% |
| 3Y | +18.71% | — | +11.41% |
| 5Y | +16.06% | — | +8.78% |
| Since Launch | +25.80% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.51Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
14.90%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
1.09How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
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%
Equity93.86%
Cash3.78%
Debt2.36%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 72 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| State Bank of India | Financial | Equity | 4.48% |
| ICICI Bank Ltd | Financial | Equity | 3.68% |
| HDFC Bank Ltd | Financial | Equity | 3.43% |
| Sky Gold Ltd | Consumer Discretionary | Equity | 3.12% |
| Hindustan Aeronautics Ltd | Industrials | Equity | 3.08% |
| Quality Power Electrical Equipments Ltd. | Industrials | Equity | 2.73% |
| Ami Organics Ltd | Healthcare | Equity | 2.69% |
| Adani Ports and Special Economic Zone Ltd | Industrials | Equity | 2.63% |
| Lloyds Metals and Energy Ltd | Materials | Equity | 2.62% |
| Dr. Reddy's Laboratories Ltd | Healthcare | Equity | 2.57% |
Fund management
AL
Alok Singh
Since 2020 · 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 equity scheme - flexi cap fund. Ahead of its category average over 3Y by 7.3 points.
Strengths
- Ahead of its category average over 3Y by 7.3 points.
- Turned every ₹1 into ₹4.3 since launch — compounding at 25.8% a year.
- Same fund manager for 6+ years — the strategy has not chopped and changed.
- Ranks 5 of 175 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 5–7+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 14.9% volatility.
Risk drivers
- None