Bank of India Small Cap Fund Direct Growth

Bank of India Small Cap Fund Direct Growth

NAV as on 28-03-2025

₹ 46.35

1.2%

1D

Inception Returns

27.8%

/yr

Historical NAV & Returns

Absolute

zero opening, trading, fund transfer fee
7414 people have invested ₹ 4.2Cr 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

  1. Bank of India Small Cap Fund Direct Growth has ₹1390 Cr worth of assets under management (AUM) as on Feb 2025 and is less than category average.
  2. The fund has an expense ratio 0.5.

Returns

Bank of India Small Cap Fund Direct Growth has given a CAGR return of 27.77% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 12.57%, 19.37% and 38.53% respectively.

Holdings

Bank of India Small Cap Fund Direct Growth has allocated its funds majorly in Cash Equivalent, Industrial, Basic Materials, Financial Services, Health, Consumer Cyclical, Tech, Consumer Defensive, Government, Utilities, Energy, Communication. Its top holdings are Lloyds Metals & Energy Ltd, Ami Organics Ltd, Vijaya Diagnostic Centre Ltd, CarTrade Tech Ltd, PG Electroplast 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 benefit
Dividends 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 ratio0.48%
Benchmark
S&P BSE Smallcap TR INR
AUM₹1390 Cr
Inception Date19 December, 2018
Min Lumpsum/SIP₹5000/₹1000
Exit Load
1.0%
Lock InNo Lock-in
TurnOver
67.21%
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

INDmoney Rank for Bank of India Small Cap Fund Direct Growth

Powered by IND quant engine
IND ranking is not available for this fund.
img
5Y returns in the top 25% of the category
img
Beats FD returns for both 3Y & 5Y duration
img
No bad points found for this fund.

Trailing Returns

as on (28-Mar-25)

Period
Bank of India Small Cap Fund Direct Growth
Nifty Smallcap 250
small-cap
1M
8.5%
9.1%
5.5%
3M
-15%
-14.7%
-14.4%
6M
-16.5%
-17.9%
-16.9%
1Y
12.6%
5.4%
7.7%
3Y
19.4%
17.7%
17.9%
5Y
38.5%
36.6%
35.8%

Fund Distribution

as on (28-Feb-25)

  • Equity 94.7%

  • Debt & Cash 5.3%

Small cap
79.6%

Mid cap
11.6%

Large cap
2.3%

Sector Allocation

Feb'25

Jan'25

Dec'24

Industrial
19.6%
Basic Materials
18.5%
Financial Services
16.4%
Health
12.5%
Consumer Cyclical
11.5%
Tech
9%
Consumer Defensive
6.2%
Utilities
2.5%
Energy
2.2%
Communication
1.7%
All changes are between Dec'24 and Feb'25
Dec'24
Fund Returns
-1.22%
Nifty Smallcap 250
-0.49%
Parameters
Feb'25
Jan'25
Dec'24
AUM
₹ 1.4K Cr
₹ 1.6K Cr
₹ 1.7K Cr
  • AUM of the fund stands at 1.4K Cr as of Feb'25
  • AUM decreased by 165.9 Cr between Feb'25 and Jan'25
Top Stocks bought last month
PG Electroplast Ltd's allocation increased from 0.77% to 2.52%
PG Electroplast Ltd's allocation increased from 0.77% to 2.52%
Castrol India Ltd's allocation increased from 1.54% to 2.07%
Castrol India Ltd's allocation increased from 1.54% to 2.07%
Suven Pharmaceuticals Ltd's allocation increased from 1.25% to 1.77%
Suven Pharmaceuticals Ltd's allocation increased from 1.25% to 1.77%
Top Stocks sold last month
Lloyds Metals & Energy Ltd's allocation decreased from 3.19 % to 3.12 %
Lloyds Metals & Energy Ltd's allocation decreased from 3.19 % to 3.12 %
Ami Organics Ltd's allocation decreased from 3.27 % to 2.96 %
Ami Organics Ltd's allocation decreased from 3.27 % to 2.96 %
Vijaya Diagnostic Centre Ltd's allocation decreased from 2.75 % to 2.72 %
Vijaya Diagnostic Centre Ltd's allocation decreased from 2.75 % to 2.72 %
Small Cap allocation has gone down from 81.1% to 79.6%
Small Cap allocation has gone down from 81.1% to 79.6%
Mid Cap allocation has gone down from 12.3% to 11.6%
Mid Cap allocation has gone down from 12.3% to 11.6%
Large Cap allocation has gone down from 2.7% to 2.3%
Large Cap allocation has gone down from 2.7% to 2.3%
Cash allocation has gone up from 3.7% to 5.1%
Cash allocation has gone up from 3.7% to 5.1%
Debt allocation has gone up from 0.2% to 0.2%
Debt allocation has gone up from 0.2% to 0.2%

Top 3 Sectors in February were Industrial, Basic Materials & Financial Services

Feb'25
Industrial
20%
Basic Materials
18%
Financial Services
16%
Jan'25
Industrial
19%
Basic Materials
19%
Financial Services
16%
  • Gainers

  • Losers

Top Growth Drivers
1M Return
Cholamandalam Financial Holdings Ltd
Cholamandalam Financial Holdings Ltd
4.7%
Fund
Feb'25
Jan'25
Dec'24
No of Holdings
72
71
72
Top 5 Company Concentration
14%
14.5%
14.4%
Company having highest exposure
Lloyds Metals & Energy Ltd (3.1%)
Ami Organics Ltd (3.3%)
Kaynes Technology India Ltd (3.1%)
No of Sectors
11
11
10
Top 5 Sectors Concentration
78.4%
78.9%
78.7%
Sector having highest exposure
Industrial (19.6%)
Industrial (19.2%)
Industrial (21.4%)
Loading...
We are taking more time than usual
Fund House
Bank of India Investment Managers Private Limited
Total AUM
₹11.5K Cr
as on 28-Feb-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 5 years, Quant Small Cap Fund Growth Option Direct Plan has given 52.71% return, outperforming this fund by 14.19% per annum.
Insights icon
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 1.21%.
Insights icon
Over the last 3 months, this fund has experienced a 13.9% drop in AUM moving from 1.61K Cr to 1.38K Cr.
Insights icon
In the last 3 years, Bandhan Small Cap Fund Direct Growth has given 27.11% return, outperforming this fund by 7.74% per annum.
Insights icon
In the last 1 year, Motilal Oswal Small Cap Fund Direct Growth has given 21.82% return, outperforming this fund by 9.25%.

Bank of India Small Cap 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 27.77% since inception which is more than its category average return of 17.09%
Fund Allocations

Fund Allocations

This fund has an allocation of 94.69% in Equity, 0.2% in Debt and 5.11% in Cash related instruments
AUM size ₹1390 Cr

AUM size ₹1390 Cr

This fund has AUM of ₹1390 Cr which is less than its category average of ₹ 9338 Cr
Expense Ratio 0.48%

Expense Ratio 0.48%

This fund has an expense ratio of 0.48% which is less than its category average expense ratio of 1.29%
Most Popular Comparisons
    • Bank of India Small Cap Fund
      Bank of India Small Cap Fund
      Vs
    • Nippon India Small Cap Fund Direct Growth
      Nippon India Small Cap Fund Direct Growth
    Compare
    • Bank of India Small Cap Fund
      Bank of India Small Cap Fund
      Vs
    • SBI Small Cap Fund Direct Growth
      SBI Small Cap Fund Direct Growth
    Compare
    • Bank of India Small Cap Fund
      Bank of India Small Cap Fund
      Vs
    • HDFC Small Cap Fund Direct Growth
      HDFC Small Cap Fund Direct Growth
    Compare
    • Bank of India Small Cap Fund
      Bank of India Small Cap Fund
      Vs
    • Quant Small Cap Fund Direct Growth
      Quant Small Cap Fund Direct Growth
    Compare
    • Bank of India Small Cap Fund
      Bank of India Small Cap Fund
      Vs
    • Canara Robeco Small Cap Fund Direct Growth
      Canara Robeco Small Cap Fund Direct Growth
    Compare

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 ₹46.35 as on 28-Mar-2025.
Existing (Absolute + CAGR) as on 28-Mar-2025.
Bank of India Small Cap Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
8.5%
8.5%
6 Month Returns
-16.5%
-16.5%
1 Year Returns
12.57%
12.57%
3 Years Returns
70.1%
19.37%
5 Years Returns
410.1%
38.53%
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 February 2025
₹1390 Cr as on February 2025
Lloyds Metals & Energy Ltd(3.12%), Ami Organics Ltd(2.96%), Vijaya Diagnostic Centre Ltd(2.72%), CarTrade Tech Ltd(2.66%), PG Electroplast Ltd(2.52%) as on February 2025
Industrial(18.58%), Basic Materials(17.48%), Financial Services(15.52%) as on February 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
8.14
1.44
6.08
As on February 2025
The alpha for Bank of India Small Cap Fund Direct Growth is calculated against S&P BSE Smallcap 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
0.98
0.85
0.81
As on February 2025
The Beta for Bank of India Small Cap Fund Direct Growth is calculated with S&P BSE Smallcap 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
-0.12
0.61
1.01
As on February 2025
The sharpe ratio for Bank of India Small Cap Fund Direct Growth is calculated with S&P BSE Smallcap 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
24.18
18.15
22.39
As on February 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 0.93 as on February 2025. Sortino ratio tells the downside risk-adjusted-returns of the mutual fund.
Information ratio is 0.02 as on February 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%