Bank of India Small Cap Fund Direct Growth
Equity
Direct
Small-Cap
NAV as on 13-03-2025
₹ 43.22
1D
Inception Returns
26.5%
/yr
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 ₹1390 Cr worth of assets under management (AUM) as on Jan 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 26.48% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 11.13%, 17.39% and 31.91% 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 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.
Historical NAV & Returns
Absolute
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7478 people have invested ₹ 4.4Cr in Bank of India Small Cap Fund Direct Growth in the last three months
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.
Bank of India Small Cap Fund Direct Growth Overview
| Expense ratio | 0.48% |
Benchmark | S&P BSE Smallcap TR INR |
| AUM | ₹1390 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 |
Trailing Returns
as on (13-Mar-25)
Fund Distribution
as on (31-Jan-25)
Small cap
79.6%
Mid cap
11.6%
Large cap
2.3%
Sector Allocation
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 Nov'24 and Jan'25
- 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
Housing & Urban Development Corp Ltd's allocation increased from 1.56% to 2.55%
PG Electroplast Ltd's allocation increased from 0.77% to 1.61%
Wockhardt Ltd's allocation increased from 1.28% to 1.82%
Top Stocks sold last month
NTPC Green Energy Ltd's allocation decreased from 2.85 % to 2.74 %
Kaynes Technology India Ltd's allocation decreased from 3.13 % to 2.31 %
Radico Khaitan Ltd's allocation decreased from 2.48 % to 2.21 %
Large Cap allocation has gone down from 2.7% to 2.3%
Small Cap allocation has gone down from 81.1% to 79.6%
Mid Cap allocation has gone down from 12.3% to 11.6%
Cash allocation has gone up from 3.7% to 5.1%
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%
See all
Top Growth Drivers | 1M Return |
|---|---|
 Castrol India Ltd | 11% |
 Cholamandalam Financial Holdings Ltd | 9.5% |
 Suven Pharmaceuticals Ltd | 2.6% |
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Fund House
Bank of India Investment Managers Private Limited
Total Schemes
Total AUM
₹11.83K Cr
as on 31-Jan-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 1 year, Motilal Oswal Small Cap Fund Direct Growth has given 24.89% return, outperforming this fund by 13.76%.
In the last 5 years, Quant Small Cap Fund Growth Option Direct Plan has given 45.75% return, outperforming this fund by 13.83% per annum.
In the last 3 years, Bandhan Small Cap Fund Direct Growth has given 25.48% return, outperforming this fund by 8.09% per annum.
Over the last 3 months, this fund has experienced a 13.9% drop in AUM moving from 1.61K Cr to 1.38K Cr.
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 26.48% since inception which is more than its category average return of 15.58%
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
This fund has AUM of ₹1390 Cr which is less than its category average of ₹ 9338 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%
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 ₹43.22 as on 13-Mar-2025.
Existing (Absolute + CAGR) as on 13-Mar-2025.
Bank of India Small Cap Fund Direct Growth | Absolute Returns | CAGR Returns |
1 Month Returns | -5.59% | -5.59% |
6 Month Returns | -22.54% | -22.54% |
1 Year Returns | 11.13% | 11.13% |
3 Years Returns | 61.75% | 17.39% |
5 Years Returns | 299.45% | 31.91% |
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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 January 1
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%