Historical NAV & Returns
Absolute
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6966 people have invested ₹ 3.9Cr in Bank of India Small Cap Fund Direct Growth in the last three months
About Bank of India Small Cap Fund Direct Growth
Bank of India Small Cap Fund Direct Growth is an equity fund. This fund was started on 19 December, 2018. The fund is managed by . The fund could potentially beat inflation in the long-run.
Key Parameters
- Bank of India Small Cap Fund Direct Growth has ₹1574 Cr worth of assets under management (AUM) as on Mar 2025 and is less than category average.
- The fund has an expense ratio 0.5.
Returns
Bank of India Small Cap Fund Direct Growth has given a CAGR return of 28.12% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 10.99%, 19.47% and 37.11% respectively.
Holdings
Bank of India Small Cap Fund Direct Growth has allocated its funds majorly in Cash Equivalent, Industrial, Basic Materials, Financial Services, Health, Tech, Consumer Cyclical, Government, Consumer Defensive, Utilities, Energy, Communication. Its top holdings are Lloyds Metals & Energy Ltd, Ami Organics Ltd, Vijaya Diagnostic Centre Ltd, PG Electroplast Ltd, Housing & Urban Development Corp Ltd
Taxation
As it is a small-cap mutual fund the taxation is as follows: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 benefitDividends will always be taxed at slab rate. Long term gains upto Rs 1 lakh are exempt capital gains tax.
Investment objective of Bank of India Small Cap Fund Direct Growth
The investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity-related securities of small cap companies. However, there can be no assurance that 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 Small Cap Fund Direct Growth has no lock in period.
Bank of India Small Cap Fund Direct Growth Overview
| Expense ratio | 0.48% |
Benchmark | Nifty Smallcap 250 TR INR |
| AUM | ₹1574 Cr |
| Inception Date | 19 December, 2018 |
| Min Lumpsum/SIP | ₹5000/₹1000 |
Exit Load | 1.0% |
| Lock In | No Lock-in |
TurnOver | 67.21% |
| STCG | Selling mutual fund before 1 year, returns taxed at 20%. |
| LTCG | After 1 year, 12.5% tax on returns over ₹1.25 lakh/year. |
| Risk |   Very High Risk |
INDmoney Rank for Bank of India Small Cap Fund Direct Growth
Powered by IND quant engine
IND ranking is not available for this fund.
5Y returns in the top 25% of the category
Beats FD returns for both 3Y & 5Y duration
No bad points found for this fund.
Trailing Returns
as on (17-Apr-25)
Fund Distribution
as on (31-Mar-25)
Small cap
78.2%
Mid cap
13%
Large cap
4.1%
Sector Allocation
Industrial
20.1%
Basic Materials
19.8%
Financial Services
16.4%
Health
12.9%
Tech
9.7%
Consumer Cyclical
9.1%
Consumer Defensive
6.1%
Utilities
2.4%
Energy
1.8%
Communication
1.5%
All changes are between Jan'25 and Mar'25
- This fund’s returns stands at 9.89% whereas the fund’s underlying benchmark Nifty Smallcap 250 returns stands at 9.80% as on Mar'25
- This fund outperformed Nifty Smallcap 250 by 0.09% in Mar'25
- AUM of the fund stands at 1.6K Cr as of Mar'25
- AUM increased by 184.3 Cr between Mar'25 and Feb'25
Top Stocks bought last month
Prudent Corporate Advisory Services Ltd's allocation increased from 1.17% to 1.81%
HEG Ltd's allocation increased from 1.08% to 1.64%
Lloyds Metals & Energy Ltd's allocation increased from 3.12% to 3.48%
Top Stocks sold last month
Ami Organics Ltd's allocation decreased from 2.96 % to 2.91 %
Vijaya Diagnostic Centre Ltd's allocation decreased from 2.72 % to 2.64 %
CarTrade Tech Ltd's allocation decreased from 2.66 % to 2.53 %
Small Cap allocation has gone down from 79.6% to 78.2%
Mid Cap allocation has gone up from 11.6% to 13%
Large Cap allocation has gone up from 2.3% to 4.1%
Cash allocation has gone down from 5.1% to 2.4%
Debt allocation has gone down from 0.2% to 0.2%
Top 3 Sectors in March were Industrial, Basic Materials & Financial Services
Mar'25
Industrial
20%
Basic Materials
20%
Financial Services
16%
Feb'25
Industrial
20%
Basic Materials
18%
Financial Services
16%
Holdings | Weight% | 1M Change | |
|---|---|---|---|
 Lloyds Metals & Energy Ltd | 3.48% | 0% | |
 Ami Organics Ltd | 2.91% | -1.3% | |
 Vijaya Diagnostic Centre Ltd | 2.64% | 0% | |
 PG Electroplast Ltd | 2.56% | 0% | |
 CarTrade Tech Ltd | 2.53% | 0% |
See all
Funds | 1Y Returns | 3Y Returns | 5Y Returns | Since Inception |
|---|---|---|---|---|
 Bank of India Small Cap Fund Direct Growth | 10.99% | 19.47% | 37.11% | 28.12% |
 Bandhan Small Cap Fund Direct Growth | 17.6% | 26.52% | 37.4% | 34.34% |
 UTI Small Cap Fund Direct Growth | 11.77% | 15.73% | - | 23.61% |
 Axis Small Cap Fund Direct Growth | 11.59% | 17.54% | 31.36% | 23.71% |
See all
Top Growth Drivers | 1M Return |
|---|---|
 Lloyds Metals & Energy Ltd | 7.5% |
 Prudent Corporate Advisory Services Ltd | 7.5% |
 Jyoti CNC Automation Ltd | 1.8% |
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Fund House
Bank of India Investment Managers Private Limited
Total Schemes
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
This fund has one of the lowest expense ratio in the category (small-cap). Its expense ratio is 0.48% which is lower than the category average expense ratio of 1.19%.
In the last 5 years, Quant Small Cap Fund Growth Option Direct Plan has given 49.22% return, outperforming this fund by 12.11% per annum.
In the last 1 year, Motilal Oswal Small Cap Fund Direct Growth has given 19.09% return, outperforming this fund by 8.1%.
Over the last 1 month, this fund has experienced a 13.3% growth in AUM moving from 1.38K Cr to 1.57K Cr.
In the last 3 years, Bandhan Small Cap Fund Direct Growth has given 26.52% return, outperforming this fund by 7.05% per annum.
Bank of India Small Cap Fund Direct Growth Highlights
Very High Risk
Investors understand that their principal will be at Very High Risk
About the fund
This fund has delivered an average annual returns of 28.12% since inception which is more than its category average return of 17.38%
Fund Allocations
This fund has an allocation of 97.4% in Equity, 0.18% in Debt and 2.42% in Cash related instruments
AUM size ₹1574 Cr
This fund has AUM of ₹1574 Cr which is less than its category average of ₹ 9875 Cr
Expense Ratio 0.48%
This fund has an expense ratio of 0.48% which is less than its category average expense ratio of 1.28%
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Frequently Asked Questions for Bank of India Small Cap Fund Direct Growth
The current NAV of Bank of India Small Cap Fund Direct Growth is ₹47.97 as on 17-Apr-2025.
Existing (Absolute + CAGR) as on 17-Apr-2025.
Bank of India Small Cap Fund Direct Growth | Absolute Returns | CAGR Returns |
1 Month Returns | 10.4% | 10.4% |
6 Month Returns | -12.91% | -12.91% |
1 Year Returns | 10.99% | 10.99% |
3 Years Returns | 70.53% | 19.47% |
With INDmoney, the process of investing is very simple and involves zero commission.
- Click Buy on the fund name.
- Input the amount you are looking to invest.
- Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
- Select your bank account and proceed with Payment.
0.48% as on March 2025
₹1574 Cr as on March 2025
Lloyds Metals & Energy Ltd(3.48%), Ami Organics Ltd(2.91%), Vijaya Diagnostic Centre Ltd(2.64%), PG Electroplast Ltd(2.56%), Housing & Urban Development Corp Ltd(2.53%) as on March 2025
Industrial(19.62%), Basic Materials(19.33%), Financial Services(16%) as on March 2025
The alpha ratio for the Bank of India Small Cap Fund Direct Growth for various period is as follows:
Fund Name | Alpha 1 Year | Alpha 3 Years | Alpha 5 Years |
Bank of India Small Cap Fund Direct Growth | 4.92 | 1.82 | 5.21 |
As on March 2025
The alpha for Bank of India Small Cap Fund Direct Growth is calculated against Nifty Smallcap 250 TR INR. Higher alpha indicates that this fund has generated extra returns compared to the benchmark index. An alpha of 1.0 means the fund has outperformed its benchmark index by 1%.
The Beta ratio for the Bank of India Small Cap Fund Direct Growth for various period is as follows:
Fund Name | Beta 1 Year | Beta 3 Years | Beta 5 Years |
Bank of India Small Cap Fund Direct Growth | 1.01 | 0.86 | 0.84 |
As on March 2025
The Beta for Bank of India Small Cap Fund Direct Growth is calculated with Nifty Smallcap 250 TR INR. Beta tells the volatility of the mutual fund relative to its benchmark. If the beta of a mutual fund is more than 1, then the mutual fund is more volatile than its benchmark. If beta is less than 1, then the mutual fund is less volatile than the benchmark.
The sharpe ratio for the Bank of India Small Cap Fund Direct Growth for various period is as follows:
Fund Name | Sharpe Ratio 1 Year | Sharpe Ratio 3 Years | Sharpe Ratio 5 Years |
Bank of India Small Cap Fund Direct Growth | 0.27 | 0.66 | 1.56 |
As on March 2025
The sharpe ratio for Bank of India Small Cap Fund Direct Growth is calculated with Nifty Smallcap 250 TR INR. Sharpe ratio tells risk-adjusted-returns of the mutual fund. The higher a fund's Sharpe ratio, the better a fund's returns have been relative to the risk it has taken on.
The standard deviation for the Bank of India Small Cap Fund Direct Growth for various period is as follows:
Fund Name | Standard Deviation 1 Year | Standard Deviation 3 Years | Standard Deviation 5 Years |
Bank of India Small Cap Fund Direct Growth | 25.99 | 18.62 | 18.97 |
As on March 2025
Standard deviation tells the volatility of the returns of the mutual fund. The higher a fund's Standard deviation, the higher the volatility of the fund's returns.
Sortino ratio is 1.03 as on March 2025. Sortino ratio tells the downside risk-adjusted-returns of the mutual fund.
Information ratio is 0.09 as on March 2025. It tells the consistency of the fund in generating superior risk-adjusted performance
The Exit load of Bank of India Small Cap Fund Direct Growth is 1%