Bank of India Midcap Tax Fund - Series 2 - Regular 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 : ELSS

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

: ₹ 33.1 0.42%
(as on 16th October, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 32.45 Cr

(0.01% of Investment in Category)

Expense Ratio

: -

(0% Category average)

Risk-O-Meter

Very High Risk

Close Ended Fund. New investments not allowed in this fund.

ELSS :ELSS : The fund has 98.7% investment in domestic equities of which 12.05% is in Large Cap stocks, 24.64% is in Mid Cap stocks, 20.83% in Small Cap stocks.

Suitable For : Investors who are looking to invest money for at least 3 years and looking for additional benefits of income tax saving apart from higher returns expectations. At the same time, these investors should also be ready for possibility of moderate losses in their investments and 3 year lock-in period.

1M
3M
6M
1Y
2Y
5Y
ALL

This Scheme

VS

Benchmark
BSE 500 TRI

0.67%

-0.05%

9.84%

-0.47%

16.74%

20.62%

12.34%
NA
0.23%

-0.11%

10.75%

-1.64%

16.82%

22.18%

14.93%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

Amount

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Investment Value

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Profit/Loss

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Annualised Returns

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Returns (NAV as on 15th October, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	08-Oct-25	10039.60	0.40%	-	0.88%	55/57
1 Month	15-Sep-25	9990.90	-0.09%	-	0.23%	45/57
3 Month	15-Jul-25	9883.10	-1.17%	-	-0.64%	42/57
6 Month	15-Apr-25	11725.40	17.25%	-	10.74%	5/57
YTD	01-Jan-25	10226.50	2.27%	-	2.31%	26/56
1 Year	15-Oct-24	9797.90	-2.02%	-2.02%	-2.55%	31/56
2 Year	13-Oct-23	13942.50	39.42%	18.00%	16.42%	16/56
3 Year	14-Oct-22	16447.10	64.47%	18.00%	18.07%	28/53
5 Year	15-Oct-20	26602.10	166.02%	21.60%	22.26%	23/52
Since Inception	19-Oct-18	32960.00	229.60%	18.59%	14.89%	6/56

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 15th October, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	15-Oct-24	12000	12843.32	7.03 %	13.29 %
2 Year	13-Oct-23	24000	26534.55	10.56 %	9.97 %
3 Year	14-Oct-22	36000	45806.27	27.24 %	16.27 %
5 Year	15-Oct-20	60000	90307.43	50.51 %	16.36 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

You can not sell your investments in this fund for 3 years from the purchase date. Long term capital gain tax will be applicable when you sell your investments after 3 years. Current tax rate is 12.5%, if your total long term capital gain exceeds 1.25 lakhs in a financial year. Any cess/surcharge is not included. However, you can claim a deduction on your taxable income under section 80c for your investments in this fund. (Current tax deductions are capped at 1.5 lakh per year).

Portfolio (Updated on 30th Sep,2025)

Equity Holding : 98.70% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 98.70%

No of Stocks : 52 (Category Avg - 53.58) | Large Cap Investments : 12.05%| Mid Cap Investments : 24.64% | Small Cap Investments : 20.83% | Other : 41.18%

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
Indian Bank	Public sector bank	18.1	5.57%	0.70%	5.57% (Sep 2025)	3.14% (Dec 2024)	24.07 k	0.00
HDFC Bank Ltd.	Private sector bank	14	4.33%	-0.02%	4.69% (Apr 2025)	3.2% (Oct 2024)	14.76 k	0.00
Dixon Technologies (India) Ltd.	Consumer electronics	13.2	4.05%	-0.12%	5.14% (Apr 2025)	2.61% (Jun 2025)	806.00	0.00
UNO Minda Ltd.	Auto components & equipments	13.1	4.03%	-0.99%	5.02% (Aug 2025)	4.03% (Sep 2025)	10.08 k	-2.60 k
Coforge Ltd.	Computers - software & consulting	12.9	3.97%	-0.36%	4.55% (Jun 2025)	2.26% (Oct 2024)	8.10 k	0.00
Lloyds Metals And Energy Ltd.	Sponge iron	12.9	3.96%	-0.23%	4.19% (Aug 2025)	0% (Oct 2024)	10.50 k	0.00
Bank of Maharashtra	Public sector bank	11.7	3.61%	0.65%	3.61% (Sep 2025)	1.53% (Dec 2024)	2.09 L	25.00 k
PB Fintech Ltd.	Financial technology (fintech)	11.1	3.42%	-0.16%	3.6% (Jul 2025)	2.28% (Oct 2024)	6.53 k	0.00
Quality Power Electrical Equipments Ltd.	Heavy electrical equipment	10.9	3.37%	0.89%	3.37% (Sep 2025)	0% (Oct 2024)	10.23 k	0.00
Oberoi Realty Ltd.	Residential, commercial projects	10.1	3.11%	-0.08%	3.55% (Jun 2025)	2.91% (Oct 2024)	6.39 k	0.00

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

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	1.20%
Net Receivables	Net Receivables	0.10%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th September, 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

14.2vs11.71

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

1.11vs0.92

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.

Poor risk adjusted returns

0.78vs0.92

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.

Poor risk adjusted returns

0.1vs0.12

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
HDFC ELSS Tax saver - Growth	5	16644.54	1.16	2.63	10.52	5.56	23.25
Parag Parikh ELSS Tax Saver Fund - Regular Plan - Growth	4	5638.79	-0.73	0.61	8.46	3.96	18.37
Mirae Asset ELSS Tax Saver Fund - Regular Plan - Growth	3	25910.64	0.96	1.00	12.90	3.46	18.50
ICICI Prudential ELSS Tax Saver Fund - Growth	3	14425.23	0.55	2.83	10.03	2.71	17.81
Navi ELSS Tax Saver Nifty 50 Index Fund - Regular Plan - Growth	NA	102.15	1.31	1.56	9.55	2.67	0.00
PGIM India ELSS Tax Saver Fund - Growth	3	757.48	0.45	0.45	8.82	2.51	14.41
Aditya Birla Sun Life ELSS Tax Saver Fund - Regular Plan - Growth	3	15174.87	0.71	1.85	13.51	2.12	15.89
Sundaram ELSS Tax Saver Fund - Growth	3	1356.01	0.04	0.47	9.46	2.03	15.87
WhiteOak Capital ELSS Tax Saver Fund - Regular Plan - Growth	NA	414.27	0.58	0.54	11.35	1.73	21.04
ICICI Prudential Long Term Wealth Enhancement Fund - Growth	NA	41.11	1.44	5.33	13.34	1.68	20.83

Detailed Comparison

More Funds from Bank of India Mutual Fund

Out of 26 mutual fund schemes offered by this AMC, 2 is/are ranked 5 * , 2 is/are ranked 4 * , 4 is/are ranked 3 * , 2 is/are ranked 2 * , 5 is/are ranked 1 * , and 11 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 - Regular Plan - Growth	3	2164.81	1.47	0.97	13.30	-3.24	22.46
Bank of India Small Cap Fund - Regular Plan - Growth	2	1925.38	-0.96	-3.60	9.46	-8.52	19.67
Bank of India ELSS Tax Saver - Regular Plan - Growth	1	1374.63	-0.42	-2.16	8.17	-8.06	17.63
Bank of India Liquid Fund - Regular Plan - Growth	4	1360.19	0.49	1.42	3.03	6.80	7.07
Bank of India Mid & Small Cap Equity & Debt Fund - Growth	3	1280.28	-0.42	-2.37	9.24	-3.36	19.07
Bank of India Mid & Small Cap Equity & Debt Fund - Growth	3	1280.28	0.00	0.00	0.00	0.00	0.00
Bank of India Multicap Fund - Regular Plan - Growth	NA	909.49	0.73	-0.77	12.09	-1.53	0.00
Bank of India Mid Cap Fund - Regular Plan - Growth	NA	667.76	0.30	0.00	0.00	0.00	0.00
Bank of India Manufacturing & Infrastructure Fund - Growth	5	620.50	0.00	0.00	0.00	0.00	0.00
Bank of India Manufacturing & Infrastructure Fund - Growth	5	620.50	0.61	-0.81	15.66	-2.09	25.07

All funds

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NITINPIMPALE
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7 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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19 days ago

View more

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The Fixed Income
Bonds
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20 hrs ago

Park Your Money in a Safe & High-Return PSU Bond POWER FINANCE CORPORATION LIMITED 2029 ✔️ Coupon: 9.10% ✔️ Rating: CRISIL AAA Stable, ICRA AAA Stable, CARE AAA Stable ✔️ Tenor: 3y 5m (Maturity: 23/Mar/2029) PSU Bond | High Return Bond | Listed Invest with confidence in a highly-rated PSU bond offering steady returns and strong credibility. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dlJTdg-tfi/910-power-finance-corporation-limited-2029?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Park Your Money in a Safe & High-Return PSU Bond POWER FINANCE CORPORATION LIMITED 2029 ✔️ Coupon: 9.10% ✔️ Rating: CRISIL AAA Stable, ICRA AAA Stable, CARE AAA Stable ✔️ Tenor: 3y 5m (Maturity: 23/Mar/2029) PSU Bond | High Return Bond | Listed Invest with confidence in a highly-rated PSU bond offering steady returns and strong credibility. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dlJTdg-tfi/910-power-finance-corporation-limited-2029?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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shravanashok
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69 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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82 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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120 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

Posted by : sunny85deol
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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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