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.

Category : Aggressive Hybrid Fund

Fund House : Bank of India Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 40.85 -1.78%
(as on 26th September, 2025)

Crisil Rating

Average performance among peers

Fund Size

: ₹ 1252.81 Cr

(0.53% of Investment in Category)

Expense Ratio

: 0.67%

(0.82% Category average)

Risk-O-Meter

Very High Risk

Aggressive Hybrid Fund :Aggressive Hybrid Fund : The fund has 69.94% investment in domestic equities of which , 13.67% is in Mid Cap stocks, 30.74% in Small Cap stocks.The fund has 24.79% investment in Debt, of which 2.7% in Government securities, 22.09% is in Low Risk securities.

Crisil Rank Change : Fund Crisil rank was updated from 2 to 3 in the previous quarter.

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This Scheme

VS

70% Nifty MidSmall cap 400 TRI Index & 30% CRISIL Short Term Bond Index

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NA
0.19%

-1.2%

7.42%

-1.6%

15.75%

19.09%

14.07%

NA
Gold

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SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 26th September, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	19-Sep-25	9700.80	-2.99%	-	-2.28%	27/29
1 Month	26-Aug-25	9958.60	-0.41%	-	0.19%	27/28
3 Month	26-Jun-25	9754.10	-2.46%	-	-1.20%	28/29
6 Month	26-Mar-25	10852.80	8.53%	-	7.42%	5/29
YTD	01-Jan-25	9627.60	-3.72%	-	3.18%	29/29
1 Year	26-Sep-24	9680.10	-3.20%	-3.20%	-1.60%	24/29
2 Year	26-Sep-23	13861.60	38.62%	17.71%	15.75%	6/29
3 Year	26-Sep-22	17412.60	74.13%	20.29%	16.28%	3/29
5 Year	25-Sep-20	29388.50	193.88%	24.03%	19.09%	2/28
Since Inception	20-Jul-16	40850.00	308.50%	16.54%	14.07%	4/27

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 26th September, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	26-Sep-24	12000	12274.86	2.29 %	4.26 %
2 Year	26-Sep-23	24000	26299.48	9.58 %	9.05 %
3 Year	26-Sep-22	36000	46103.43	28.07 %	16.71 %
5 Year	25-Sep-20	60000	95157.99	58.6 %	18.48 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

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%.

Portfolio (Updated on 31st Aug,2025)

Portfolio Turnover Ratio : 96.00% | Category average turnover ratio is 142.20%

Fund manager updated portfolio less frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for longer duration than peers)

Equity Holding : 69.94% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 69.94%

No of Stocks : 53 (Category Avg - 58.52) | Large Cap Investments : 0%| Mid Cap Investments : 13.67% | Small Cap Investments : 30.74% | Other : 25.53%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
Coforge Ltd.	Computers - software & consulting	455.2	3.63%	-0.04%	4.07% (Jun 2025)	1.26% (Sep 2024)	2.64 L	0.00
Jindal Stainless Ltd.	Iron & steel products	431.8	3.45%	0.33%	3.45% (Aug 2025)	2.59% (Dec 2024)	5.66 L	0.00
UNO Minda Ltd.	Auto components & equipments	349.2	2.79%	0.93%	2.79% (Aug 2025)	1.63% (Apr 2025)	2.73 L	48.00 k
Housing & Urban Development Corporation Ltd.	Financial institution	323.1	2.58%	-0.09%	3.22% (Apr 2025)	0.67% (Oct 2024)	15.80 L	0.00
Glenmark Pharmaceuticals Ltd.	Pharmaceuticals	288.6	2.30%	-0.25%	2.55% (Jul 2025)	0% (Sep 2024)	1.50 L	0.00
Lloyds Metals And Energy Ltd.	Sponge iron	286.1	2.28%	-0.38%	2.82% (Jun 2025)	0% (Sep 2024)	2.22 L	0.00
PB Fintech Ltd.	Financial technology (fintech)	283.3	2.26%	0.17%	2.38% (Jan 2025)	1.47% (Sep 2024)	1.60 L	15.00 k
J.K. Cement Ltd.	Cement & cement products	264	2.11%	0.42%	2.11% (Aug 2025)	1.3% (Nov 2024)	38.00 k	6.00 k
Bharat Dynamics Ltd.	Aerospace & defense	258.4	2.06%	0.01%	2.67% (May 2025)	0.45% (Feb 2025)	1.80 L	21.00 k
Eris Lifesciences Ltd.	Pharmaceuticals	248.4	1.98%	0.01%	1.98% (Aug 2025)	1.61% (Jan 2025)	1.38 L	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 32 (Category Avg - 35.24) | Modified Duration 1.53 Years (Category Avg - 3.65)| Yield to Maturity 6.36% (Category Avg - 6.87%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	2.47%	8.81%
CD	7.41%	0.55%
T-Bills	0.23%	0.55%
CP	3.10%	0.54%
NCD & Bonds	11.58%	11.36%
PTC	0.00%	0.26%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	2.70%	9.36%
Low Risk	22.09%	12.34%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	4.90%
Net Receivables	Net Receivables	0.37%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 29th August, 2025)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

13.99vs9.65

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

1.68vs1.18

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Better risk adjusted returns

0.88vs0.75

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Better risk adjusted returns

0.07vs0.07

Category Avg
Jensen's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Better risk adjusted returns

4.08vs1.12

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
SBI Equity Hybrid Fund - Direct Plan - Growth	3	77255.73	0.39	-1.84	7.39	3.46	14.80
PGIM India Aggressive Hybrid Equity Fund - Direct Plan - Growth	5	214.74	0.37	0.26	8.33	2.23	15.63
ICICI Prudential Equity & Debt Fund - Direct Plan - Growth	4	45151.97	0.71	0.84	8.31	1.84	21.15
Bandhan Aggressive Hybrid Fund - Direct plan - Growth	3	1139.28	0.01	0.82	9.47	1.37	17.11
Mahindra Manulife Aggressive Hybrid Fund - Direct Plan - Growth	4	1837.33	-0.33	-1.32	7.62	-0.03	19.23
HSBC Aggressive Hybrid Fund - Direct - Growth	1	5475.24	0.56	0.87	14.09	-0.26	17.14
DSP Aggressive Hybrid Fund - Direct Plan - Growth	4	11332.68	0.06	-2.25	4.53	-0.35	17.17
Navi Aggressive Hybrid Fund - Direct Plan - Growth	3	122.34	0.10	0.66	8.28	-0.37	15.54
Edelweiss Aggressive Hybrid Fund - Direct Plan - Growth	5	3044.72	0.00	-1.22	7.02	-0.49	19.78
Kotak Aggressive Hybrid Fund - Direct Plan - Growth	3	7853.42	0.32	-0.56	9.85	-0.52	17.23

Detailed Comparison

More Funds from Bank of India Mutual Fund

Out of 23 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 2 is/are ranked 4 * , 4 is/are ranked 3 * , 1 is/are ranked 2 * , 5 is/are ranked 1 * , and 10 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Bank of India Flexi Cap Fund - Direct Plan - Growth	3	2111.94	1.91	-0.27	9.60	-5.66	23.69
Bank of India Small Cap Fund - Direct Plan - Growth	3	1879.23	0.61	-2.04	10.93	-8.26	21.65
Bank of India Liquid Fund - Direct Plan - Growth	4	1824.27	0.46	1.44	3.23	6.90	7.11
Bank of India ELSS Tax Saver - Direct Plan - Growth	1	1354.96	0.31	-2.75	5.34	-9.73	18.58
Bank of India Mid & Small Cap Equity & Debt Fund - Direct Plan - Growth	3	1252.81	-0.41	-2.46	8.53	-3.20	20.29
Bank of India Multicap Fund - Direct Plan - Growth	NA	890.92	-0.06	-1.75	9.43	-4.51	0.00
Bank of India Mid Cap Fund - Direct Plan - Growth	NA	630.99	-0.40	0.00	0.00	0.00	0.00
Bank of India Manufacturing & Infrastructure Fund - Direct Plan - Growth	5	597.85	1.97	-0.05	13.37	-4.24	26.81
Bank of India Business Cycle Fund - Direct Plan - Growth	NA	543.11	1.31	-0.75	9.85	-8.50	0.00
Bank of India Large & Mid Cap Fund - Direct Plan - Growth	2	407.93	-0.67	-3.26	7.65	-6.89	17.49