Bank of India Small Cap Fund Direct-Growth
(Scheme Rating)
NAV as of Jun 12, 2026
58.592.50%
- Growth - Direct
(Earn upto 1.48% Extra Returns with Direct Plan)
Fund Category:
Equity: Small Cap
Expense Ratio:
0.56%(0.71% Category
average)Fund Size:
Rs. 2,318.41 Cr(0.56% of Investment in Category)
Bank of India Small Cap Fund Direct-Growth
(Scheme Rating)
NAV as of Jun 12, 2026
58.592.50%
Expense Ratio:
0.56%
Fund Size:
Rs. 2,318.41 Cr
Fund Category:
Equity: Small Cap
1. Current NAV: The Current Net Asset Value of the Bank of India Small Cap Fund - Direct Plan as of Jun 12, 2026 is Rs 58.59 for Growth option of its Direct plan.
2. Returns: Its trailing returns over different time periods are: 13.7% (1yr), 22.82% (3yr), 20.55% (5yr) and 26.71% (since launch). Whereas, Category returns for the same time duration are: 1.58% (1yr), 17.8% (3yr) and 16.18% (5yr).
3. Fund Size: The Bank of India Small Cap Fund - Direct Plan currently holds Assets under Management worth of Rs 2318.41 crore as on May 31, 2026.
4. Expense ratio: The expense ratio of the fund is 0.56% for Direct plan as on Jun 12, 2026.
5. Exit Load: Bank of India Small Cap Fund - Direct Plan shall attract an Exit Load, "Exit load of 1% if redeemed within 1 year for units beyond 10% of the investment."
6. Minimum Investment: Minimum investment required is Rs 5000 and minimum additional investment is Rs 1000. Minimum SIP investment is Rs 1000.
Bank of India Small Cap Fund Direct-Growth Returns
Trailing Returns
Rolling Returns
Discrete Period
SIP Returns
1M 3M 6M 1Y 3Y 5Y Annualized Returns 5.61 23.92 17.39 13.70 22.82 20.55 Category Avg 2.40 12.57 4.65 1.58 17.80 16.18 Rank within Category 3 1 1 3 8 4 No. of funds within Category 59 57 56 49 34 25 - Loading...
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Return Comparison
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Bank of India Small Cap Fund Direct-Growth Fund Details
Investment Objective - The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity-related securities of small cap companies.
| Fund House | Bank of India Mutual Fund |
| Launch Date | Dec 19, 2018 |
| Benchmark | NIFTY Smallcap 250 Total Return Index |
| Return Since Launch | 26.71% |
| Riskometer | Very High |
| Type | Open-ended |
| Risk Grade | Above Average |
| Return Grade | Above Average |
Bank of India Small Cap Fund Direct-Growth Investment Details
| Minimum Investment (Rs.) | 5,000.00 |
| Minimum Additional Investment (Rs.) | 1,000.00 |
| Minimum SIP Investment (Rs.) | 1,000.00 |
| Minimum Withdrawal (Rs.) | 1,000.00 |
| Exit Load Exit load of 1% if redeemed within 1 year for units beyond 10% of the investment. | |
Portfolio Allocation
Asset Allocation
Asset Allocation History
Sector Allocation
Market Cap Allocation
Concentration & Valuation Analysis
| MAY 2026 | APR 2026 | MAR 2026 | FEB 2026 | JAN 2026 | DEC 2025 | |
|---|---|---|---|---|---|---|
| Number of Holdings | 81 | 87 | 88 | 90 | 82 | 80 |
| Top 5 Company Holdings | 15.04% | 14.73% | 13.7% | 13.23% | 15.49% | 14.99% |
| Top 10 Company Holdings | 26.63% | 25.93% | 25.34% | 24.87% | 27.07% | 26.81% |
| Company with Highest Exposure | Wockhardt (3.86%) | Quality Power Electrical Equipments (3.6%) | Ami Organics (3.08%) | Wockhardt (3.15%) | Indian Bank (3.64%) | Wockhardt (3.28%) |
| Number of Sectors | 15 | 15 | 15 | 15 | 15 | 15 |
| Top 3 Sector Holdings | 43.74% | 43.36% | 42.41% | 37.08% | 43.2% | 46.07% |
| Top 5 Sector Holdings | 63.8% | 61.87% | 60.21% | 51.11% | 57.0% | 60.41% |
| Sector with Highest Exposure | Capital Goods (17.26%) | Capital Goods (19.06%) | Capital Goods (17.02%) | Capital Goods (13.14%) | Capital Goods (15.29%) | Financial (17.11%) |
Top Stock Holdings
Sector Holdings in MF
Company Sector Assest(%) P/E EPS-TTM(₹) RETURN 1 YR(%) Wockhardt Healthcare 3.86 - - 1.03 Sky Gold And Diamonds Consumer Discretionary 2.9 - - 0.20 Ami Organics Healthcare 2.88 - - 0.33 Lloyds Metals & Energy Metals & Mining 2.81 - - -0.14 Quality Power Electrical Equipments Capital Goods 2.59 - - -1.01 CAMS Services 2.57 - - 0.26 City Union Bank Financial 2.35 - - -0.30 Arvind Textiles 2.25 - - 0.60 Cemindia Projects Construction 2.22 - - 0.41 Krishna Institute Healthcare 2.2 - - 0.80
Peer Comparison
Cumulative Returns
SIP returns
Discrete Returns
Quant Measures
Asset Allocation
Scheme Name NAV(Rs./Unit) Scheme Rating AUM(Rs. Cr) 1M 1Y 3Y 5Y Bank of India Small Cap Fund Direct-Growth 58.59 2,318.41 5.61 13.70 22.82 20.55 Invesco India Smallcap Fund Direct - Growth 49.08 11,716.88 4.16 7.02 23.80 21.02 Bandhan Small Cap Fund Direct-Growth 52.88 27,219.13 1.31 4.00 28.93 21.27 Axis Small Cap Fund Direct-Growth 125.19 27,840.05 1.40 2.75 16.47 17.57 Axis Nifty Smallcap 50 Index Fund Direct-Growth 19.07 638.56 1.81 1.06 22.92 -
Risk Ratios
Ratios are calculated using the calendar month returns for the last 3 years
Standard Deviation
Standard Deviation
Standard deviation is the deviation of the fund's return around mean.
High Volatality
21.88VS20.38Fund Vs Category Avg
Beta
Beta
Beta shows the portfolio risk in relation to the market. A beta of less than 1 means that the fund returns are less volatile compared to the broader market. A beta of more than 1 means that the fund returns are more volatile than the broader markets. A beta equal to 1 means that fund's volatility is in line with the broader market.
High Volatality
0.94VS0.90Fund Vs Category Avg
Sharpe Ratio
Sharpe Ratio
Sharpe ratio is a risk adjusted performance measure. A fund with a higher Sharpe ratio is considered better than a fund with a lower Sharpe ratio.
Better risk-adjusted returns
0.81VS0.70Fund Vs Category Avg
Treynor's Ratio
Treynor's Ratio
Treynor is a risk adjusted performance measure. A fund with a higher Treynor ratio is considered better than a fund with a lower Treynor ratio.
Better risk-adjusted returns
18.87VS15.99Fund Vs Category Avg
Jensen's Alpha
Jensen's Alpha
Alpha shows the ability of the fund manager to outperform the market. A higher Alpha is preferred.
Better risk-adjusted returns
4.77VS2.02Fund Vs Category Avg
Mean Return
Mean Return
Average return generated by the fund during a specified period.
Better average monthly returns
23.61VS20.24Fund Vs Category Avg
Risk Ratio Chart
- Risk Ratio
- Category Average
Bank of India Mutual Fund News
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Fund Manager
- A.S.Alok SinghSince Oct 20249 schemes
- N.B.Nav BhardwajSince Jul 20250 schemes
Mr. Singh is a CFA and PGDBA from ICFAI Business School. Prior to joining Bank of India AMC he has worked with BNP Paribas Asset Management and Axis Bank
Scheme Name Category Nav(Rs./Unit) Scheme Rating Asset(Rs. Cr) 1Y Bank of India Large Cap Fund Direct-Growth Large Cap 17.33 213.25 4.59 Bank of India Flexi Cap Fund Direct-Growth Flexi Cap 39.48 2,459.86 6.79 Bank of India Mid & Small Cap Equity & Debt Fund Direct-Growth Aggressive Hybrid 44.72 1,554.32 6.96 Bank of India Conservative Hybrid Fund Direct-Growth Conservative Hybrid 37.65 64.12 3.10 Bank of India ELSS Tax Saver Direct-Growth ELSS 189.32 1,380.17 1.53 Bank of India Balanced Advantage Fund Direct-Growth Dynamic Asset Allocation 27.99 156.03 4.95 Bank of India Credit Risk Fund Direct-Growth Credit Risk 14.63 87.95 17.27 Bank of India Mid Cap Fund Direct-Growth Mid Cap 10.06 Unrated 721.56 - Bank of India Business Cycle Fund Direct-Growth Thematic-Business Cycle 9.28 Unrated 457.56 0.87 PhD - Business Management (Finance), Masters in Commerce, B.A. (Hons.) - Economics Prior to joining the Bank of India , he was associated with Invesco Asset Management (India) Private Limited, Anand Rathi Shares and stock brokers Ltd, Sunflower Capital.
No schemes for the Fund Manager
More Bank of India Mutual Fund
| Scheme Name | Rating | Asset Size(Cr) | 1M | 3M | 6M | 1Y | 3Y |
|---|---|---|---|---|---|---|---|
| Bank of India Flexi Cap Fund Direct-Growth | 2,387.56 | -4.04 | 5.41 | 3.59 | 3.43 | 21.32 | |
| Bank of India Small Cap Fund Direct-Growth | 2,167.57 | 0.16 | 20.64 | 15.98 | 9.86 | 22.06 | |
| Bank of India Liquid Fund Direct-Growth | 1,720.03 | 0.55 | 1.73 | 3.24 | 6.23 | 6.99 | |
| Bank of India Mid & Small Cap Equity & Debt Fund Direct-Growth | 1,481.51 | -2.19 | 7.65 | 8.20 | 4.15 | 19.80 | |
| Bank of India ELSS Tax Saver Direct-Growth | 1,402.59 | -3.41 | 2.31 | 1.71 | -1.56 | 15.76 | |
| Bank of India Multi Cap Fund Direct-Growth | 1,074.39 | -2.68 | 5.25 | 2.61 | 5.60 | 19.96 | |
| Bank of India Manufacturing & Infrastructure Fund Direct-Growth | 755.26 | -2.40 | 8.26 | 9.60 | 12.54 | 24.85 | |
| Bank of India Mid Cap Fund Direct-Growth | 719.78 | -4.06 | 5.41 | 3.44 | - | - | |
| Bank of India Large & Mid Cap Fund Direct-Growth | 468.30 | -3.84 | 0.56 | -2.00 | 0.24 | 15.26 | |
| Bank of India Business Cycle Fund Direct-Growth | 466.61 | -4.20 | 5.19 | 0.77 | -2.36 | - |
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1. Bank of India Small Cap Fund - Direct Plan is Open-ended Small Cap Equity scheme which belongs to Bank of India Mutual Fund House.
2. The fund was launched on Dec 19, 2018.
Investment objective & Benchmark
1. The investment objective of the fund is that " The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity-related securities of small cap companies. "
2. It is benchmarked against NIFTY Smallcap 250 Total Return Index.
Asset Allocation & Portfolio Composition
1. The asset allocation of the fund comprises around 96.86% in equities, 0.91% in debts and 2.23% in cash & cash equivalents.
2. While the top 10 equity holdings constitute around 26.63% of the assets, the top 3 sectors constitute around 43.74% of the assets.
3. The fund largely follows a Growth oriented style of investing and invests across market capitalisations - around 0.0% in giant & large cap companies, 0.0% in mid cap and 0.0% in small cap companies.
Tax Implications on Bank of India Small Cap Fund Direct-Growth
1. Gains are taxed at a rate of 15% (Short-term Capital Gain Tax - STCG) if units are redeemed within 1 year of investment.
2. For units redeemed after 1 year of investment, gains of upto Rs. 1 lakh accruing from those units in a financial year shall be exempted from tax.
3. Gains of more than Rs. 1 lakh will be taxed at a rate of 10% (Long-term Capital Gain Tax - LTCG).
4. For Dividend Distribution Tax, the dividend income from this fund will get added to the income of an investor and taxed according to his/her respective tax slabs.
5. Also, for dividend income in excess of Rs 5,000 in a financial year; the fund house shall deduct a TDS of 10% on such income.
This Might Catch Your Interest
FAQs about Bank of India Small Cap Fund Direct-Growth
- Is it safe to invest in Bank of India Small Cap Fund - Direct Plan?As per SEBI’s latest guidelines to calculate risk grades, investment in the Bank of India Small Cap Fund - Direct Plan comes under Very High risk category.
- What is the category of Bank of India Small Cap Fund - Direct Plan?Bank of India Small Cap Fund - Direct Plan belongs to the Equity : Small Cap category of funds.
- How Long should I Invest in Bank of India Small Cap Fund - Direct Plan?The suggested investment horizon of investing into Bank of India Small Cap Fund - Direct Plan is >3 years. The suggested investment horizon is the minimum time required for holding investments in the fund to reduce its downside risk and ensure that the returns become more predictable.
- Who manages the Bank of India Small Cap Fund - Direct Plan?The Bank of India Small Cap Fund - Direct Plan is managed by Alok Singh (Since Oct 01, 2024) and Nav Bhardwaj (Since Jul 14, 2025).
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