Mutual Funds
AMC
Bank of India Small Cap Fund - Direct (IDCW)

Bank of India Small Cap Fund - Direct (IDCW)

NAV
37.71(0.45%)
Fund Size (CR)
₹1,938.92
Expense Ratio
0.59
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
0%
Return Since Launch
25.30%

Absolute Return: -3.83%

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 Smallcap 250 TRI

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	2 February 2026	10634.55	6.35%	-	5.07%	14/136
1 Month	9 January 2026	10223.31	2.23%	-	1.58%	28/132
3 Month	7 November 2025	9561.88	-4.38%	-	-2.72%	106/126
6 Month	8 August 2025	9965.48	-0.35%	-	0.75%	82/126
1 Year	7 February 2025	10162.41	1.62%	1.62%	4.33%	84/122
3 Year	9 February 2023	17808.31	78.08%	21.19%	19.95%	29/100
5 Year	9 February 2021	28067.04	180.67%	22.91%	21.54%	27/92
Since Inception	19 December 2018	50138.40	401.38%	25.30%	15.64%	6/136

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 March 2025	1,20,000	163471.34	36.23%	36.23%
3 Year	1 March 2023	3,60,000	562782.27	56.33%	16.06%
5 Year	1 March 2021	6,00,000	1178732.47	96.46%	14.46%
10 Year	-	-	-	-	-

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

5.19%

Standard Deviation

0.87%

Beta

0.82%

Sharpe Ratio

-0.01%

Treynor's Ratio

0.95%

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
Indian Bank	3.64%	731000	66.65	Equity	Banks
Wockhardt	3.32%	440000	60.82	Equity	Pharmaceuticals
Acutaas Chemical	3.22%	308000	58.91	Equity	Pharmaceuticals
City Union Bank	2.74%	1660000	50.09	Equity	Banks
Cams Services	2.57%	677315	47.08	Equity	Financial Services
Lloyds Metals	2.56%	425000	46.91	Equity	Mining & Mineral products
Fiem Industries	2.54%	214000	46.44	Equity	Auto Ancillaries
Sky Gold & Diam.	2.23%	1340080	40.70	Equity	Diamond, Gems and Jewellery
ERIS Lifescience	2.15%	286444	39.40	Equity	Pharmaceuticals
H U D C O	2.10%	2000000	38.33	Equity	Finance

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Bank of India Small Cap Fund - Direct (IDCW)	1938.92	2.23%	-4.38%	-0.35%	1.62%	21.19%
Mirae Asset Small Cap Fund - Direct (IDCW)	3037.66	1.74%	-1.42%	4.31%	15.34%	-
Mirae Asset Small Cap Fund - Direct (G)	3037.66	1.74%	-1.42%	4.31%	15.34%	-
TRUSTMF Small Cap Fund - Direct (G)	1325.12	2.28%	-2.80%	6.52%	10.45%	-
TRUSTMF Small Cap Fund - Direct (IDCW)	1325.12	2.28%	-2.80%	6.52%	10.45%	-
Aditya Birla SL Small Cap Fund - Direct (G)	4937.52	3.95%	-0.84%	4.91%	10.41%	19.99%

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	12.65%	0	₹989.01
Bank of India Large Cap Fund	Equity	Very High	15.28%	3	₹206.75
Bank of India Large & Mid Cap Fund	Equity	Very High	11.94%	2	₹445.91
Bank of India Mid Cap Fund	Equity	Very High	0%	0	₹666.84
Bank of India Small Cap Fund	Equity	Very High	1.66%	3	₹1,829.19
Bank of India Manufacturing & Infrastructure Fund	Equity	Very High	15.73%	4	₹661.33
Bank of India Business Cycle Fund	Equity	Very High	1.58%	0	₹463.92
Bank of India Consumption Fund	Equity	Very High	8.35%	0	₹377.95
Bank of India ELSS Tax Saver	Equity	Very High	6.54%	2	₹1,373.70
Bank of India Midcap Tax Fund - Series 1	Equity	Very High	7.5%	0	₹58.79
Bank of India Midcap Tax Fund - Series 2	Equity	Very High	5.39%	0	₹30.61
Bank of India Overnight Fund	Debt	Low	5.76%	5	₹75.59
Bank of India Liquid Fund	Debt	Moderately Low	6.46%	3	₹1,843.40
Bank of India Ultra Short Duration Fund	Debt	Moderate	6.75%	1	₹167.56
Bank of India Money Market Fund	Debt	Moderately Low	7.29%	0	₹380.71
Bank of India Short Term Income Fund	Debt	Moderately Low	6.96%	0	₹285.94
Bank of India Credit Risk Fund	Debt	Moderately High	11.99%	2	₹105.96
Bank of India Conservative Hybrid Fund	Hybrid	Moderate	5.75%	3	₹63.92
Bank of India Mid & Small Cap Equity & Debt Fund	Hybrid	Very High	7.66%	4	₹1,329.20
Bank of India Balanced Advantage Fund	Hybrid	Very High	11.17%	2	₹143.75
Bank of India Multi Asset Allocation Fund	Hybrid	Very High	16.06%	0	₹350.23
Bank of India Arbitrage Fund	Hybrid	Low	6.28%	1	₹47.24
Bank of India Flexi Cap Fund	Equity	Very High	9.22%	4	₹2,167.16

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

28 November 2018

Total AUM (Cr)

₹1829.19

Bank of India Small Cap Fund - Direct (IDCW) is an Small Cap Fund-oriented fund from the renowned AMC, Bank of India Mutual Fund. Launched in 28 November 2018, this fund is managed by Alok Singh. With assets under management (AUM) worth ₹1,829.19 (Cr), as of 10 February 2026, Bank of India Small Cap Fund - Direct (IDCW) is categorized as a Small Cap Fund within its segment. The fund has generated a return of 25.30% since its launch.
The current NAV of Bank of India Small Cap Fund - Direct (IDCW) is ₹37.71, as on 10 February 2026. The fund's benchmark index is Nifty Smallcap 250 TRI. You can invest in Bank of India Small Cap Fund - Direct (IDCW) 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 21.19% and 22.91% 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 90.64% in Equity, 3.96% in Debt and 5.40% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 11.43% in Electrical Equipments, 10.87% in Debt, 9.31% in Pharmaceuticals & Biotech, 7.67% in Finance, 5.76% in Industrial Products