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

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

NAV as on 22-04-2025

₹ 39.08

1.5%

1D

Inception Returns

16.7%

/yr

Historical NAV & Returns

Absolute

zero opening, trading, fund transfer fee
1303 people have invested ₹ 71.3L in Bank of India Mid & Small Cap Equity & Debt Fund Direct Growth in the last three months

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

Bank of India Mid & Small Cap Equity & Debt Fund Direct Growth is a hybrid fund. This fund was started on 20 July, 2016. The fund is managed by Alok Singh. This fund gives you the benefit of diversification.

Key Parameters

  1. Bank of India Mid & Small Cap Equity & Debt Fund Direct Growth has ₹1068 Cr worth of assets under management (AUM) as on Mar 2025 and is less than category average.
  2. The fund has an expense ratio 0.8.

Returns

Bank of India Mid & Small Cap Equity & Debt Fund Direct Growth has given a CAGR return of 16.74% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 7.78%, 16.23% and 28.12% respectively.

Holdings

Bank of India Mid & Small Cap Equity & Debt Fund Direct Growth has allocated its funds majorly in Government, Cash Equivalent, Corporate, Financial Services, Basic Materials, Industrial, Consumer Cyclical, Tech, Health, Consumer Defensive, Energy, Utilities.

Taxation

As it is a aggressive allocation mutual fund the taxation is as follows:
If the fund is equity oriented i.e. asset allocation of more than 65% in equity instruments:
For short term (less than a year) capital gains will be taxed at 20%
For long term (more than 1 year) capital gains will be taxed at 12.5% without indexation benefit
Long term gains up to Rs 1 lakh are exempt from taxation (more than 12 months).

Investment objective of Bank of India Mid & Small Cap Equity & Debt Fund Direct Growth

The scheme's 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.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 5000.00 and for SIP is INR 1000.00. Bank of India Mid & Small Cap Equity & Debt Fund Direct Growth has no lock in period.

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

Expense ratio0.78%
Benchmark
NIFTY MidSmallcap 400 TR INR
AUM₹1068 Cr
Inception Date20 July, 2016
Min Lumpsum/SIP₹5000/₹1000
Exit Load
1.0%
Lock InNo Lock-in
TurnOver
131.26%
STCGSelling mutual fund before 1 year, returns taxed at 20%.
LTCGAfter 1 year, 12.5% tax on returns over ₹1.25 lakh/year.
Risk
Risk meter
pointer
Very High Risk

Trailing Returns

as on (22-Apr-25)

Period
Bank of India Mid & Small Cap Equity & Debt Fund Direct Growth
Aggressive Allocation Index
1M
1.6%
2.7%
3M
-1.9%
2%
6M
-6.6%
-3.5%
1Y
7.8%
10%
3Y
16.2%
13.7%
5Y
28.1%
21.1%

Fund Distribution

as on (31-Mar-25)

  • Equity 74.1%

  • Debt & Cash 25.9%

Mid cap
41.3%

Small cap
32.8%

Sector Allocation

Mar'25

Feb'25

Jan'25

Dec'24

Nov'24

Oct'24

Financial Services
19.2%
Basic Materials
19.2%
Industrial
14.4%
Consumer Cyclical
13.8%
Tech
13.1%
Health
10.8%
Consumer Defensive
5.2%
Energy
2.6%
Utilities
1.7%
All changes are between Oct'69 and Dec'69
Parameters
Mar'25
Feb'25
Jan'25
AUM
₹ 1.1K Cr
₹ 974.2 Cr
₹ 1.1K Cr
  • AUM of the fund stands at 1.1K Cr as of Mar'25
  • AUM increased by 93.4 Cr between Mar'25 and Feb'25
Top Stocks bought last month
National Bank For Agriculture And Rural Development's allocation increased from 0.73% to 1.82%
National Bank For Agriculture And Rural Development's allocation increased from 0.73% to 1.82%
Power Grid Corporation Of India Limited's allocation increased from 0.2% to 1.23%
Power Grid Corporation Of India Limited's allocation increased from 0.2% to 1.23%
HEG Ltd's allocation increased from 1.74% to 1.86%
HEG Ltd's allocation increased from 1.74% to 1.86%
Top Stocks sold last month
Small Industries Development Bank Of India's allocation decreased from 3.59 % to 1.62 %
Small Industries Development Bank Of India's allocation decreased from 3.59 % to 1.62 %
Power Finance Corporation Ltd.'s allocation decreased from 5.26 % to 1.35 %
Power Finance Corporation Ltd.'s allocation decreased from 5.26 % to 1.35 %
Indian Bank's allocation decreased from 5.26 % to 1.2 %
Indian Bank's allocation decreased from 5.26 % to 1.2 %

Top 3 Sectors in March were Government, Corporate & Financial Services

Mar'25
Government
41%
Corporate
28%
Financial Services
19%
Feb'25
Government
46%
Corporate
29%
Financial Services
20%
  • Equity

  • Debt & Cash

  • Returns %

  • Fund Ratios

  • Overview

Funds
1Y Returns
3Y Returns
5Y Returns
Since Inception
Bank of India Mid & Small Cap Equity & Debt Fund Direct Growth
Bank of India Mid & Small Cap Equity & Debt Fund Direct Growth
7.78%
16.23%
28.12%
16.74%
DSP Aggressive Hybrid Fund Direct Plan Growth
DSP Aggressive Hybrid Fund Direct Plan Growth
20.12%
16.72%
21.64%
14.69%
SBI Equity Hybrid Fund Direct Growth
SBI Equity Hybrid Fund Direct Growth
15.11%
12.77%
19.31%
15.03%
Axis Aggresive Hybrid Fund Direct Growth
Axis Aggresive Hybrid Fund Direct Growth
13.64%
10.55%
18.09%
12.23%
Fund
Mar'25
Feb'25
Jan'25
No of Holdings
77
81
81
Top 5 Company Concentration
14.7%
15%
14.8%
Company having highest exposure
Coforge Ltd (4%)
Coforge Ltd (4%)
Coforge Ltd (4%)
No of Sectors
11
11
11
Top 5 Sectors Concentration
122%
128.4%
112%
Sector having highest exposure
Government (40.9%)
Government (45.9%)
Government (36.4%)
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Alok Singh
Alok Singh
Fund Manager of Bank of India Mid & Small Cap Equity & Debt Fund Direct Growth, since 16 February 2017
Fund House
Bank of India Investment Managers Private Limited
Total AUM
₹10.84K Cr
as on 31-Mar-2025
Address
Bank of India Investment Managers Private Limited,B/204, Tower 1, Peninsula Corporate Park,,Ganpatrao Kadam Marg,,Lower Parel, Mumba
Phone
+912240479000
Website
service@boimf.in

Mutual Fund Insights

Insights icon
In the last 3 years, JM Aggressive Hybrid Fund (Direct) - Growth Option has given 22.07% return, outperforming this fund by 5.84% per annum.
Insights icon
In the last 5 years, JM Aggressive Hybrid Fund (Direct) - Growth Option has given 29.82% return, outperforming this fund by 1.7% per annum.
Insights icon
Over the last 1 month, this fund has experienced a 9.6% growth in AUM moving from 974.2 Cr to 1.06K Cr.
Insights icon
In the last 1 year, DSP Aggressive Hybrid Fund Direct Plan Growth has given 20.12% return, outperforming this fund by 12.33%.
Insights icon
This fund has one of the lowest expense ratio in the category (aggressive allocation). Its expense ratio is 0.78% which is lower than the category average expense ratio of 1.25%.

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

Risk meter
pointer

Very High Risk

Investors understand that their principal will be at Very High Risk
About the fund

About the fund

This fund has delivered an average annual returns of 16.74% since inception which is more than its category average return of 12.81%
Fund Allocations

Fund Allocations

This fund has an allocation of 74.08% in Equity, 15.23% in Debt and 10.69% in Cash related instruments
AUM size ₹1068 Cr

AUM size ₹1068 Cr

This fund has AUM of ₹1068 Cr which is less than its category average of ₹ 6337 Cr
Expense Ratio 0.78%

Expense Ratio 0.78%

This fund has an expense ratio of 0.78% which is less than its category average expense ratio of 1.46%

Frequently Asked Questions for Bank of India Mid & Small Cap Equity & Debt Fund Direct Growth

The current NAV of Bank of India Mid & Small Cap Equity & Debt Fund Direct Growth is ₹39.08 as on 22-Apr-2025.
Existing (Absolute + CAGR) as on 22-Apr-2025.
Bank of India Mid & Small Cap Equity & Debt Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
1.6%
1.6%
6 Month Returns
-6.56%
-6.56%
1 Year Returns
7.78%
7.78%
3 Years Returns
57.03%
16.23%
With INDmoney, the process of investing is very simple and involves zero commission.
  • Click Buy on the fund name.
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  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.
0.78% as on March 2025
₹1068 Cr as on March 2025
Coforge Ltd(4.01%), Jindal Stainless Ltd(2.95%), Housing & Urban Development Corp Ltd(2.95%), Dixon Technologies (India) Ltd(2.59%), PB Fintech Ltd(2.16%) as on March 2025
Financial Services(14.25%), Basic Materials(14.22%), Industrial(10.65%) as on March 2025
AAA
97.78
AA
2.22
Alok Singh is the fund manager of Bank of India Mid & Small Cap Equity & Debt Fund Direct Growth
The Exit load of Bank of India Mid & Small Cap Equity & Debt Fund Direct Growth is 1%