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bank of india small cap fund directgrowth
Bank of India Mutual Fund

Bank of India Small Cap Fund Direct-Growth

Equity: Small Cap - Growth (Open ended)
Bank of India Small Cap Fund Direct-GrowthNAV: 61.90 as on 23 Jul, 2026
Risk levelCategoryBenchmark
Copyright © 2026 sharpely. All rights reserved.
Factsheet
SEBI Riskometer: Very HighCategory: Equity: Small CapBenchmark: NIFTY Smallcap 250 Total Return Index
NAV: ₹61.9+0.34%
24 Jul 2026
1 Week returns: -0.34 %
Category rank: 2/52
1 Month returns: 1.73 %
Category rank: 2/52
1 Year CAGR: 15.16 %
Category rank: 3/44
3 Years CAGR: 22.60 %
Category rank: 4/34
5 Years CAGR: 19.73 %
Category rank: 3/25
52 week high/low
₹45.05
₹62.84
AUM
2572.40
Expense Ratio
0.69
Inception
1545868.00
P/E
36.17
P/B
4.75
Max Drawdown
-0.32
Return 1M
1.73
Return 1Y
15.16
Return 3Y
22.60
Return 5Y
19.73
Alpha
5.52
Sharpe
0.81

Key Talking Points

Important talking points about the scheme's performance, expense ratio and other factors — grouped by positive, negative, and neutral stance.
Positive
Scheme has outperformed the benchmark

The scheme has outperformed its benchmark (NIFTY Smallcap 250 Total Return Index) with an alpha of 5.52% in the last 3 years

This measures the risk-adjusted outperformance of the scheme with respect to the benchmark calculated based on last 3 years of performance. Higher alpha implies higher outperformance (in the last 3 years)

What is Alpha (3Y)?

3-year performance has been in the top 25th percentile

3-year CAGR of 22.6% is in the top 25th percentile in its category - Equity: Small Cap

This is measured by percentile rank of the scheme in its category based on 3-year CAGR. Lower rank implies that scheme was a relative outperformer in its category

What is CAGR (3Y)?

Relatively low expense ratio

Expense ratio of the scheme (0.69%) is lower than average expense ratio of the category (1.55%), excluding index funds and ETFs

This measures the relative expense of the scheme with respect to average expense ratio of the category. Investors should always prefer schemes with lower expense, everything else remaining the same

What is Expense ratio?

Negative
Relatively high volatility

Volatility of scheme returns is significantly higher than average volatility of the category

This measures the volatility of monthly returns of the scheme (in the last 3 years) with respect to average volatility of the category. Higher number implies that scheme has been riskier that average category risk

What is Volatility (3Y)?

Neutral
Moderate performance consistency

The scheme was a top-quartile (25%) performer in 8.0 out of last 12 quarters

This is measured as the number of quarters, in the last 12 quarters, that the scheme was in the top quartile (25th percentile). Higher number implies that scheme has been a consistent performer

What is Consistency (quarterly)?

Scheme Overview

The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity-related securities of small cap companies.

Scheme Category Overview →

Fund Managers

Alok Singh
Since: 1 Oct 2024
View details
Nav Bhardwaj
Since: 14 Jul 2025
View details
Education
PhD - Business Management (Finance), Masters in Commerce, B.A. (Hons.) - Economics
Past Experience
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.

Key Scheme Details

Inception
26 Dec 2018
Expense Ratio
0.69%
AUM
₹2,572.4 Cr
Lock in
No lock in
Taxation
Equity
Min. Investment
₹5,000
Min. Addl Investment
-
Min. SIP Investment
₹1,000
Exit load
Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months.

AMC Overview

Bank of India Mutual Fund background and AUM insights, category-wise distribution and historical AUM growth.

AUM Analysis

AUM distribution as on date:
Jun 30, 2026
Total AUM: ₹ 15,905 Cr
Equity
₹ 11,257 Cr
Hybrid
₹ 2,343 Cr
Debt
₹ 2,305 Cr
Dec 31, 2021Jan 31, 2022Feb 28, 2022Mar 31, 2022Apr 30, 2022May 31, 2022Jun 30, 2022Jul 31, 2022Aug 31, 2022Sep 30, 2022Oct 31, 2022Nov 30, 2022Dec 31, 2022Jan 31, 2023Feb 28, 2023Mar 31, 2023Apr 30, 2023May 31, 2023Jun 30, 2023Jul 31, 2023Aug 31, 2023Sep 30, 2023Oct 31, 2023Nov 30, 2023Dec 31, 2023Jan 31, 2024Feb 29, 2024Mar 31, 2024Apr 30, 2024May 31, 2024Jun 30, 2024Jul 31, 2024Aug 31, 2024Sep 30, 2024Oct 31, 2024Nov 30, 2024Dec 31, 2024Jan 31, 2025Feb 28, 2025Mar 31, 2025Apr 30, 2025May 31, 2025Jun 30, 2025Jul 31, 2025Aug 31, 2025Sep 30, 2025Oct 31, 2025Nov 30, 2025Dec 31, 2025Jan 31, 2026Feb 28, 2026Mar 31, 2026Apr 30, 2026May 31, 2026Jun 30, 2026
equity1,485 Cr1,498 Cr1,482 Cr1,621 Cr1,637 Cr1,586 Cr1,554 Cr1,740 Cr1,841 Cr1,872 Cr1,946 Cr1,991 Cr1,972 Cr1,934 Cr1,908 Cr2,142 Cr2,258 Cr2,329 Cr2,467 Cr2,640 Cr2,705 Cr2,860 Cr2,869 Cr3,217 Cr3,493 Cr3,768 Cr3,945 Cr4,124 Cr4,574 Cr4,829 Cr5,752 Cr6,309 Cr7,189 Cr7,462 Cr7,408 Cr7,722 Cr8,151 Cr7,718 Cr6,939 Cr7,684 Cr7,838 Cr8,441 Cr8,753 Cr8,646 Cr9,096 Cr9,321 Cr9,730 Cr9,696 Cr9,635 Cr9,271 Cr9,744 Cr8,986 Cr10,400 Cr10,653 Cr11,257 Cr
hybrid499 Cr489 Cr468 Cr512 Cr510 Cr481 Cr465 Cr497 Cr517 Cr534 Cr544 Cr561 Cr561 Cr556 Cr547 Cr540 Cr556 Cr568 Cr589 Cr618 Cr635 Cr667 Cr682 Cr756 Cr797 Cr838 Cr866 Cr1,154 Cr1,261 Cr1,316 Cr1,429 Cr1,525 Cr1,571 Cr1,588 Cr1,606 Cr1,648 Cr1,690 Cr1,632 Cr1,529 Cr1,643 Cr1,678 Cr1,806 Cr1,854 Cr1,850 Cr1,843 Cr1,875 Cr1,916 Cr1,913 Cr1,948 Cr1,934 Cr1,980 Cr1,868 Cr2,102 Cr2,182 Cr2,343 Cr
debt690 Cr811 Cr640 Cr831 Cr946 Cr816 Cr681 Cr744 Cr759 Cr746 Cr786 Cr851 Cr781 Cr871 Cr838 Cr1,087 Cr1,019 Cr1,553 Cr1,192 Cr1,523 Cr1,585 Cr1,698 Cr1,980 Cr1,928 Cr1,680 Cr1,732 Cr1,794 Cr1,730 Cr1,729 Cr2,077 Cr1,915 Cr2,573 Cr2,179 Cr1,941 Cr2,314 Cr2,172 Cr1,732 Cr2,377 Cr2,356 Cr2,103 Cr2,509 Cr2,500 Cr2,768 Cr2,768 Cr2,632 Cr2,114 Cr2,372 Cr2,254 Cr2,114 Cr2,859 Cr2,947 Cr2,570 Cr2,791 Cr2,819 Cr2,305 Cr
commodities-------------------------------------------------------
Total2,674 Cr2,798 Cr2,590 Cr2,964 Cr3,094 Cr2,883 Cr2,700 Cr2,980 Cr3,117 Cr3,152 Cr3,277 Cr3,404 Cr3,314 Cr3,362 Cr3,292 Cr3,769 Cr3,834 Cr4,450 Cr4,248 Cr4,781 Cr4,925 Cr5,225 Cr5,531 Cr5,901 Cr5,970 Cr6,339 Cr6,605 Cr7,009 Cr7,564 Cr8,223 Cr9,097 Cr10,407 Cr10,939 Cr10,991 Cr11,328 Cr11,542 Cr11,572 Cr11,727 Cr10,824 Cr11,430 Cr12,025 Cr12,747 Cr13,374 Cr13,264 Cr13,570 Cr13,310 Cr14,018 Cr13,863 Cr13,696 Cr14,065 Cr14,671 Cr13,424 Cr15,293 Cr15,654 Cr15,905 Cr

AMC Details

AMC
Bank of India Mutual Fund
CEO
Mohit Bhatia(Chief Executive Officer)
CIO
Alok Singh(Chief Investment Officer)
IRO
Roshni Pawar
Trustee
Bank of India Trustee Services Private Limited
Address
B/204-Tower 1, , Peninsula Corporate Park, Ganpatrao Kadam Marg,, Lower Parel,, Mumbai

Frequently Asked Questions

What is the current NAV of Bank of India Small Cap Fund Direct-Growth?
The current NAV of Bank of India Small Cap Fund Direct-Growth is ₹61.90 as of 23 Jul 2026. The NAV of a mutual fund reflects the per-unit market value of the fund's holdings and is updated at the end of every trading day.
What is the AUM of Bank of India Small Cap Fund Direct-Growth?
The AUM (Assets Under Management) of Bank of India Small Cap Fund Direct-Growth is ₹2,572.4 crore. AUM represents the total market value of assets the fund currently manages on behalf of its investors.
What is the expense ratio of Bank of India Small Cap Fund Direct-Growth?
The expense ratio of Bank of India Small Cap Fund Direct-Growth is 0.69% per annum. This is the annual fee charged by the fund house to manage your investment. A lower expense ratio means more of your returns stay with you — which is one reason direct plans have a lower expense ratio than regular plans.
Who is the fund manager of Bank of India Small Cap Fund Direct-Growth?
Bank of India Small Cap Fund Direct-Growth is managed by Alok Singh, Nav Bhardwaj. You can check the full list of fund managers in the "Fund Manager" section above.
What is the benchmark of Bank of India Small Cap Fund Direct-Growth?
The benchmark of Bank of India Small Cap Fund Direct-Growth is NIFTY Smallcap 250 Total Return Index. This is the index against which the fund's performance is measured. Consistently beating the benchmark over long periods is a key indicator of a fund manager's skill.
When was Bank of India Small Cap Fund Direct-Growth launched?
Bank of India Small Cap Fund Direct-Growth was launched on 26 Dec 2018. The fund has been in existence for 7 years. A longer track record gives investors more data to evaluate how the fund has performed across different market cycles.
What is the minimum investment in Bank of India Small Cap Fund Direct-Growth?
The minimum investment in Bank of India Small Cap Fund Direct-Growth is ₹5,000 for a lump sum and ₹1,000 per month for a SIP (Systematic Investment Plan). SIPs allow you to invest a fixed amount regularly, making it easier to build wealth over time without needing a large upfront amount.
What is the exit load on Bank of India Small Cap Fund Direct-Growth?
Bank of India Small Cap Fund Direct-Growth has an exit load — Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months.. Exit load is charged to discourage early withdrawals and protect long-term investors in the fund.
What category does Bank of India Small Cap Fund Direct-Growth belong to?
Bank of India Small Cap Fund Direct-Growth belongs to the Equity: Small Cap category. You can view other funds in this category.