Bank of India Mid & Small Cap Equity & Debt Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Scheme Objective

The scheme objective is to provide capital appreciation and income distribution to investors from a portfolio constituting of mid and small cap equity and equity related securities as well as fixed income securities. However there can be no assurance that the income can be generated, regular or otherwise, or the investment objectives of the Scheme will be realized.

Scheme Details

Fund manager(s) – Alok Singh
Launch date – 20-Jul-2016
Expense ratio – 0.67% as declared on 31-Aug-2025 (category average is 0.82%)
Benchmark - 70% Nifty MidSmall cap 400 TRI Index & 30% CRISIL Short Term Bond Index

Min SIP amount - ₹
Min investment amount (one time- first time) - ₹
Min investment amount (addtional purchase) - ₹
Type : Open Ended Fund. You can invest any time in this fund.

Exit Load

Bank of India Mid & Small Cap Equity & Debt Fund - Direct Plan - Growth charges 1.0% of sell value; if fund sold before 90 days. There are no other charges.

Asset Monitor

Total AUM for this Scheme (Cr)

Category Total AUM (Cr)

% of Assets in Category

2025

1252.81

0.00

0.00%

Aug - 2025	1252.81	0.00%
Jul - 2025	1257.61	0.00%
Jun - 2025	1249.57	0.00%
May - 2025	1198.04	0.00%
Apr - 2025	1095.18	0.00%
Mar - 2025	1067.62	0.00%
Feb - 2025	974.20	0.00%
Jan - 2025	1051.92	0.00%

2024

1107.71

0.00

0.00%

Dec - 2024	1107.71	0.00	0.00%
Nov - 2024	1053.73	0.00	0.00%
Oct - 2024	1009.82	0.00	0.00%
Sep - 2024	1000.31	0.00	0.00%
Aug - 2024	978.12	0.00	0.00%
Jul - 2024	921.20	0.00	0.00%
Jun - 2024	840.76	0.00	0.00%
May - 2024	754.01	203640.09	0.37%
Apr - 2024	724.24	202351.01	0.36%
Mar - 2024	665.29	197290.52	0.34%
Feb - 2024	656.95	193404.98	0.34%
Jan - 2024	636.06	191179.44	0.33%

2023

597.07

187979.79

0.32%

Dec - 2023	597.07	187979.79	0.32%
Nov - 2023	558.33	179065.45	0.31%
Oct - 2023	492.50	171216.35	0.29%
Sep - 2023	492.05	174607.91	0.28%
Aug - 2023	462.92	171778.08	0.27%
Jul - 2023	443.64	171749.13	0.26%
Jun - 2023	418.52	166627.77	0.25%
May - 2023	399.83	162156.76	0.25%
Apr - 2023	391.86	158647.20	0.25%
Mar - 2023	377.51	153986.98	0.25%
Feb - 2023	380.12	153756.02	0.25%
Jan - 2023	387.51	155710.32	0.25%

2022

392.05

158441.85

0.25%

Dec - 2022	392.05	158441.85	0.25%
Nov - 2022	392.35	161493.94	0.24%
Oct - 2022	385.52	158397.60	0.24%
Sep - 2022	381.97	153514.90	0.25%
Aug - 2022	363.57	155347.34	0.23%
Jul - 2022	349.95	150129.52	0.23%
Jun - 2022	322.07	139871.15	0.23%
May - 2022	337.01	144147.83	0.23%
Apr - 2022	363.21	146966.04	0.25%
Mar - 2022	366.93	147791.04	0.25%
Feb - 2022	341.18	143246.81	0.24%
Jan - 2022	361.44	145629.22	0.25%

2021

370.61

144067.11

0.26%

Dec - 2021	370.61	144067.11	0.26%
Nov - 2021	351.14	139422.45	0.25%
Oct - 2021	345.61	141803.50	0.24%
Sep - 2021	349.38	140932.75	0.25%
Aug - 2021	345.29	137613.60	0.25%
Jul - 2021	348.30	132500.97	0.26%
Jun - 2021	333.09	128615.70	0.26%
May - 2021	318.63	126625.97	0.25%
Apr - 2021	308.88	120715.16	0.26%
Mar - 2021	303.24	120232.68	0.25%
Feb - 2021	299.06	119942.11	0.25%
Jan - 2021	298.97	114001.31	0.26%

2020

316.71

118528.02

0.27%

Dec - 2020	316.71	118528.02	0.27%
Nov - 2020	322.43	115532.89	0.28%
Oct - 2020	320.29	108452.86	0.30%
Sep - 2020	332.68	108594.66	0.31%
Aug - 2020	323.78	112867.09	0.29%
Jul - 2020	307.25	111747.29	0.27%
Jun - 2020	294.99	109145.96	0.27%
May - 2020	290.33	104754.62	0.28%
Apr - 2020	298.50	107450.08	0.28%
Mar - 2020	269.44	98787.31	0.27%
Feb - 2020	342.85	124266.64	0.28%
Jan - 2020	348.63	130892.45	0.27%

Tax Rate

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 12.5%, if your total long term capital gain exceeds 1.25 lakh. Any cess/surcharge is not included. If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 20%. Any cess/surcharge is not included in the 20%.

Contact Details

Bank of India Investment Managers Private Limited

B/204, Tower 1, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai 400013
Tel no.: 022-61249000
Fax no.: 022-61249001
Website.: www.boimf.in

Forum

NITINPIMPALE
MF Investment Help
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1 days ago

purchase unit will adjust difference in NAV 10.263 View more

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  purchase unit will adjust difference in NAV 10.263
  
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krishna_ksvs
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13 days ago

View more

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The Fixed Income
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1 days ago

Lock in Stable Returns from a State-Backed PSU! TELANGANA STATE INDUSTRIAL INFRASTRUCTURE CORPORATION LIMITED – 2028 Bond ✔️ Coupon: 9.35% p.a. ✔️ Tenor: 3y 2m (Maturity: 29/Dec/2028) ✔️ Senior Secured | PSU Bond | High Return Bond | Listed Invest confidently in a state-backed PSU and watch your money grow steadily. Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJPdFpRPT0=/935-telangana-state-industrial-infrastructure-corporation-limited-2028?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Lock in Stable Returns from a State-Backed PSU! TELANGANA STATE INDUSTRIAL INFRASTRUCTURE CORPORATION LIMITED – 2028 Bond ✔️ Coupon: 9.35% p.a. ✔️ Tenor: 3y 2m (Maturity: 29/Dec/2028) ✔️ Senior Secured | PSU Bond | High Return Bond | Listed Invest confidently in a state-backed PSU and watch your money grow steadily. Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJPdFpRPT0=/935-telangana-state-industrial-infrastructure-corporation-limited-2028?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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shravanashok
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64 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

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  need your suggestion for sbi psu fund direct growth stay or switch
  
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ravisistla
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77 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

Posted by : ravisistla
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  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
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sunny85deol
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114 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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