Sharpe ratio
1.09Return earned for the risk taken.
Good
Good risk-adjusted returns. The fund has delivered strong returns for its level of risk.
+26.58%1Y Absolute Return
-0.29%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 Small Cap Fund Direct Plan GrowthFund 5Y annualised return | ₹11,74,973 | ₹7,32,612 | ₹4,42,361 | +18.71% |
| 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₹1.27
₹1 Lakh since launch₹1.27 Lakh
Fund age7.9 yrs
Fund information
Scheme code145678
ISININF761K01EP7
BenchmarkNIFTY Smallcap 250 TRI
CategoryEquity Scheme - Small Cap Fund
Expense ratio0.69%
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
2nd / 126 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | -11.71% | — | — |
| 3M | +6.57% | — | — |
| 6M | +42.60% | — | — |
| 1Y | +26.58% | — | +8.28% |
| 3Y | +18.88% | — | +11.58% |
| 5Y | +18.71% | — | +11.96% |
| Since Launch | +27.08% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.49Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
17.83%How much the fund’s returns fluctuate over time.
High volatility
Returns can swing significantly.
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
0.84How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative 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%
Equity91.14%
Cash5.47%
Debt3.39%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 87 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Repo | Unspecified | Repo | 3.99% |
| Ami Organics Ltd | Healthcare | Equity | 2.92% |
| Quality Power Electrical Equipments Ltd. | Industrials | Equity | 2.69% |
| Sky Gold Ltd | Consumer Discretionary | Equity | 2.67% |
| Wockhardt Ltd | Healthcare | Equity | 2.64% |
| Arvind Ltd | Consumer Discretionary | Equity | 2.51% |
| ITD Cementation India Ltd | Industrials | Equity | 2.43% |
| Computer Age Management Services Ltd | Financial | Equity | 2.33% |
| City Union Bank Ltd | Financial | Equity | 2.3% |
| Krishna Institute Of Medical Sciences Ltd | Healthcare | Equity | 2.13% |
Fund management
NA
Nav Bhardwaj
Since 2025 · Prior to joining the Bank of India , he was associated with Invesco Asset Management (India) Private Limited, Anand Rathi Shares and stock brokers Ltd, Sunflower Capital.
PhD - Business Management (Finance), Masters in Commerce, B.A. (Hons.) - Economics
AL
Alok Singh
Since 2024 · 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 - small cap fund. Ahead of its category average over 3Y by 7.3 points. Heavily invested in small-cap stocks (76%) — expect sharper swings and slower recovery after a fall.
Strengths
- Ahead of its category average over 3Y by 7.3 points.
- Turned every ₹1 into ₹6.6 since launch — compounding at 27.1% a year.
- Recovered from its worst fall in 4 months.
- Well spread out — top 10 holdings are only 25% of the portfolio.
- Ranks 2 of 126 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 17.8% volatility.
Risk drivers
- Heavily invested in small-cap stocks (76%) — expect sharper swings and slower recovery after a fall.