Mutual Funds
AMC
Bank of India Mid & Small Cap Equity & Debt Fund-Dir (G)

Bank of India Mid & Small Cap Equity & Debt Fund-Dir (G)

NAV
40.39(-1.89%)
Fund Size (CR)
₹1,349.38
Expense Ratio
0.77
Scheme Type
Active Fund
Value Research
-

Min. investment
₹5,000
Minimum Additional Investment
₹1,000
Minimum SIP Investment
₹1,000
Minimum Withdrawal
₹1,000
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
1%
Return Since Launch
16.05%

Absolute Return: -3.00%

Annualized Return: 0%

1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment

Basic Details

Scheme Manager

Alok Singh

Bench Mark

NIFTY MidSmallcap 400 Total Return Index (TRI): 70%; CRISIL Short Term Bond Fund Index: 30%

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	12 January 2026	9961.29	-0.39%	-	-0.50%	77/199
1 Month	19 December 2025	9987.87	-0.12%	-	-1.27%	6/199
3 Month	17 October 2025	9925.27	-0.75%	-	-1.65%	55/199
6 Month	18 July 2025	9760.55	-2.39%	-	-0.27%	154/199
1 Year	17 January 2025	10236.20	2.36%	2.36%	6.19%	188/199
3 Year	19 January 2023	16804.08	68.04%	18.87%	13.95%	13/199
5 Year	19 January 2021	24741.59	147.42%	19.85%	13.26%	9/199
Since Inception	20 July 2016	41170.00	311.70%	16.05%	12.25%	13/199

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	3 February 2025	1,20,000	121084.64	0.90%	0.90%
3 Year	1 February 2023	3,60,000	422948.77	17.49%	5.52%
5 Year	1 February 2021	6,00,000	860203.53	43.37%	7.47%
10 Year	1 August 2016	11,40,000	2601382.27	128.19%	8.60%

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Minimum value allowed is 500

Expected Returns Rate (%)

Minimum value allowed is 1

Time Period (in Years)

Minimum value allowed is 1

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

4.05%

Standard Deviation

0.89%

Beta

0.97%

Sharpe Ratio

-0.01%

Treynor's Ratio

8.13%

Jension's Alpha

Asset Allocation

Sector Allocation

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
Hindustan Copper	4.23%	1101000	57.06	Equity	Non Ferrous Metals
Jindal Stain.	3.52%	566000	47.50	Equity	Steel
Indian Bank	3.13%	505000	42.28	Equity	Banks
Uno Minda	2.99%	314000	40.37	Equity	Auto Ancillaries
PB Fintech.	2.73%	202000	36.88	Equity	IT - Software
H U D C O	2.67%	1580000	36.04	Equity	Finance
TD Power Systems	2.50%	480000	33.70	Equity	Capital Goods - Electrical Equipment
Lloyds Metals	2.37%	242000	31.98	Equity	Mining & Mineral products
ERIS Lifescience	2.26%	202783	30.53	Equity	Pharmaceuticals
Glenmark Pharma.	2.26%	150000	30.53	Equity	Pharmaceuticals

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Bank of India Mid & Small Cap Equity & Debt Fund-Dir (G)	1349.38	-0.12%	-0.75%	-2.39%	2.36%	18.87%
ICICI Pru Equity & Debt Fund - Direct (IDCW-M)	49640.80	-0.91%	-0.28%	3.90%	13.17%	19.48%
ICICI Pru Equity & Debt Fund - Direct (G)	49640.80	-0.92%	-0.29%	3.90%	13.16%	19.35%
ICICI Pru Equity & Debt Fund - Direct (IDCW-H)	49640.80	-0.94%	-0.29%	3.89%	13.16%	19.35%
ICICI Pru Equity & Debt Fund - Direct (IDCW-A)	49640.80	-0.93%	-0.31%	3.87%	13.13%	19.35%
SBI Equity Hybrid Fund - Direct (IDCW)	82846.63	-1.42%	-1.48%	1.20%	13.09%	14.86%

List of Schemes under Bank of India Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
Bank of India Multi Cap Fund	Equity	Very High	8.65%	0	₹1,013.29
Bank of India Large Cap Fund	Equity	Very High	11.04%	3	₹209.59
Bank of India Large & Mid Cap Fund	Equity	Very High	7.87%	2	₹456.41
Bank of India Mid Cap Fund	Equity	Very High	0%	0	₹683.84
Bank of India Small Cap Fund	Equity	Very High	-6.6%	3	₹1,938.92
Bank of India Manufacturing & Infrastructure Fund	Equity	Very High	8.09%	4	₹673.53
Bank of India Business Cycle Fund	Equity	Very High	-5.91%	0	₹503.00
Bank of India Consumption Fund	Equity	Very High	7.21%	0	₹415.19
Bank of India ELSS Tax Saver	Equity	Very High	-0.03%	2	₹1,401.86
Bank of India Midcap Tax Fund - Series 1	Equity	Very High	1.65%	0	₹62.46
Bank of India Midcap Tax Fund - Series 2	Equity	Very High	2.26%	0	₹32.49
Bank of India Overnight Fund	Debt	Low	5.85%	5	₹81.41
Bank of India Liquid Fund	Debt	Moderately Low	6.5%	3	₹1,107.10
Bank of India Ultra Short Duration Fund	Debt	Moderate	6.82%	1	₹158.66
Bank of India Money Market Fund	Debt	Moderately Low	0%	0	₹368.88
Bank of India Short Term Income Fund	Debt	Moderately Low	7.19%	0	₹290.76
Bank of India Credit Risk Fund	Debt	Moderately High	12.01%	2	₹106.96
Bank of India Conservative Hybrid Fund	Hybrid	Moderate	5.07%	3	₹65.30
Bank of India Mid & Small Cap Equity & Debt Fund	Hybrid	Very High	2.36%	4	₹1,349.38
Bank of India Balanced Advantage Fund	Hybrid	Very High	10.71%	2	₹146.37
Bank of India Multi Asset Allocation Fund	Hybrid	Very High	13.89%	0	₹344.16
Bank of India Arbitrage Fund	Hybrid	Low	6.4%	1	₹42.86
Bank of India Flexi Cap Fund	Equity	Very High	3.45%	4	₹2,243.99

News

Bank of India Mutual Fund announces change in Key Personnel
Bank of India Mutual Fund Mr. Anand Padavale has been appointed as CISO and designed as Key Personnel of the Company with effect from December 09, 2025. Accordingly, the following details of Mr. Anand Padavale shall be added under section titled 'Information of Key Personnel' in Section II (F) of SAI:
Details of Mr. Anand Padavale
Age: 38 years
Designation: Chief Information Security Officer
Qualification: ' Bachelor of Computer Applications
' Diploma in Computer Engineering
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Bank of India Mutual Fund the cessation of key personnel
Bank of India Mutual Fund the cessation of key personnel Mr. Ashok Kumar Pathak has ceased to be the Associate Director from the Board of Bank of India Trustee Services Private Limited (Trustee Company) with effect from close of business hours of November 07, 2025.
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Bank of India Mutual Fund announces change in Key Personnel
Bank of India Mutual Fund has announced the Mr. Mukesh Sharma has been appointed as an Associate Director on the Board of the Trustee Company with effect from November 07, 2025.
Details of Mr. Mukesh Sharma
Age: 55 years
Designation: Associate Director
Qualification: ' Bachelor of Arts
' Certified Associate of Indian to Institute of Bankers (CAIIB)
' IDRBT- Certification Program in IT and Cyber Security for Senior Management
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Fund House Details & Investment Objective

Date of Incorporation

29 June 2016

Total AUM (Cr)

₹1349.38

Bank of India Mid & Small Cap Equity & Debt Fund-Dir (G) is an Aggressive Hybrid Fund-oriented fund from the renowned AMC, Bank of India Mutual Fund. Launched in 29 June 2016, this fund is managed by Alok Singh. With assets under management (AUM) worth ₹1,349.38 (Cr), as of 20 January 2026, Bank of India Mid & Small Cap Equity & Debt Fund-Dir (G) is categorized as a Aggressive Hybrid Fund within its segment. The fund has generated a return of 16.05% since its launch.
The current NAV of Bank of India Mid & Small Cap Equity & Debt Fund-Dir (G) is ₹40.39, as on 20 January 2026. The fund's benchmark index is NIFTY MidSmallcap 400 Total Return Index (TRI): 70%; CRISIL Short Term Bond Fund Index: 30%. You can invest in Bank of India Mid & Small Cap Equity & Debt Fund-Dir (G) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹1,000 while the minimum lumpsum investment is ₹5,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
The fund has generated 18.87% and 19.85% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 76.22% in Equity, 23.39% in Debt and 0.39% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 24.07% in Debt, 8.34% in Pharmaceuticals & Biotech, 5.89% in Electrical Equipments, 5.34% in Banks, 5.08% in Ferrous Metals