Bank of India Mid & Small Cap Equity & Debt Fund - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Aggressive Hybrid Fund

Fund House : Bank of India Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 38.79 0.88%
(as on 07th January, 2025)

Crisil Rating

Very good performance among peers

Fund Size

: ₹ 1053.73 Cr

(0.47% of Investment in Category)

Expense Ratio

: 2.1%

(2% Category average)

Risk-O-Meter

Very High Risk

Aggressive Hybrid Fund :Aggressive Hybrid Fund : The fund has 73.09% investment in domestic equities of which 3.65% is in Large Cap stocks, 18.05% is in Mid Cap stocks, 32.42% in Small Cap stocks.The fund has 23.95% investment in Debt, of which 3.46% in Government securities, 20.49% is in Low Risk securities.

1M
3M
6M
1Y
2Y
5Y
ALL

This Scheme

VS

70% Nifty MidSmall cap 400 TRI Index & 30% CRISIL Short Term Bond Index

%

%

%

%

%

%

%
NA
-0.57%

-1.02%

0.63%

16.39%

19.75%

16.26%

13.73%

NA
Gold

Compare with

Date : -
NAV : -

1M
3M
6M
9M
1Y
2Y
3Y
5Y
ALL

Date : -
Investment : -
Value on selected date : -

Returns Calculator
SIP Calculator
VIP (Value Avg)

Amount

₹

Investment Date
Sell Date

Investment Value

-
Sell Value

-
Profit/Loss

-
Annualised Returns

-

Date : -
Investment : -
Value on selected date : -

Returns (NAV as on 07th January, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	31-Dec-24	9953.80	-0.46%	-	-0.07%	27/30
1 Month	06-Dec-24	9736.40	-2.64%	-	-0.58%	4/30
3 Month	07-Oct-24	10289.10	2.89%	-	-1.03%	1/30
6 Month	05-Jul-24	10109.50	1.09%	-	0.62%	14/30
YTD	01-Jan-25	9892.90	-1.07%	-	-0.07%	27/30
1 Year	05-Jan-24	12298.70	22.99%	22.78%	16.37%	2/30
2 Year	06-Jan-23	16835.90	68.36%	29.66%	19.75%	2/30
3 Year	07-Jan-22	15800.40	58.00%	16.46%	12.80%	3/30
5 Year	07-Jan-20	32406.00	224.06%	26.48%	16.26%	1/28
Since Inception	20-Jul-16	38790.00	287.90%	17.35%	13.76%	4/29

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 07th January, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	05-Jan-24	12000	13005.43	8.38 %	15.77 %
2 Year	06-Jan-23	24000	31515.14	31.31 %	28.52 %
3 Year	07-Jan-22	36000	52238.33	45.11 %	25.66 %
5 Year	07-Jan-20	60000	113383.16	88.97 %	25.72 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 12.5%, if your total long term capital gain exceeds 1.25 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 20%. Any cess/surcharge is not included in the 20%.

Portfolio (Updated on 30th Nov,2024)

Portfolio Turnover Ratio : 119.00% | Category average turnover ratio is 180.76%

Fund manager updated portfolio less frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for longer duration than peers)

Equity Holding : 73.09% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 73.09%

No of Stocks : 66 (Category Avg - 54.23) | Large Cap Investments : 3.65%| Mid Cap Investments : 18.05% | Small Cap Investments : 32.42% | Other : 18.97%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
Jindal Stainless Ltd.	Iron & steel products	280.1	2.66%	-0.08%	4.73% (Nov 2023)	2.74% (Oct 2024)	4.10 L	0.00
Coforge Ltd.	Computers - software & consulting	251.9	2.39%	0.46%	1.93% (Oct 2024)	0.54% (Mar 2024)	29.00 k	3.40 k
Swan Energy Ltd.	Other textile products	216.9	2.06%	0.67%	2.14% (Jul 2024)	0% (Nov 2023)	3.55 L	75.00 k
Nippon Life India Asset Management Ltd.	Asset management company	215.9	2.05%	-0.16%	2.21% (Oct 2024)	0% (Nov 2023)	3.15 L	0.00
Minda Industries Ltd.	Auto components & equipments	210.3	2.00%	0.05%	3.14% (Nov 2023)	1.95% (Oct 2024)	2.00 L	0.00
Castrol (india) Ltd.	Lubricants	200.9	1.91%	-0.17%	2.85% (Jul 2024)	0% (Nov 2023)	10.01 L	0.00
Eris Lifesciences Ltd.	Pharmaceuticals	198.7	1.89%	0.08%	1.84% (Sep 2024)	1.23% (Jun 2024)	1.38 L	0.00
- Oil India Ltd.	Oil exploration & production	191.4	1.82%	0.00%	4.02% (Aug 2024)	0.86% (Nov 2023)	3.90 L	0.00
PB Fintech Ltd.	Financial technology (fintech)	191.3	1.82%	0.29%	1.53% (Oct 2024)	0% (Nov 2023)	1.01 L	10.00 k
Deepak Nitrite Ltd.	Specialty chemicals	182.7	1.73%	-0.02%	1.95% (Sep 2024)	0% (Nov 2023)	67.00 k	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 28 (Category Avg - 32.74) | Modified Duration 1.83 Years (Category Avg - 4.11)| Yield to Maturity 7.38% (Category Avg - 7.21%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	2.19%	9.05%
CD	4.13%	0.95%
T-Bills	1.27%	0.67%
CP	4.46%	0.30%
NCD & Bonds	11.90%	13.04%
PTC	0.00%	0.21%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	3.46%	9.72%
Low Risk	20.49%	11.26%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	2.44%
Net Receivables	Net Receivables	0.52%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st December, 2024)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

13.68vs9.96

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

0.13vs1.03

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Better risk adjusted returns

0.69vs0.53

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Better risk adjusted returns

0.7vs0.07

Category Avg
Jensen's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Better risk adjusted returns

9.3vs1.37

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Invesco India Aggressive Hybrid Fund - Growth	5	574.00	0.68	1.55	4.92	24.48	14.93
JM Aggressive Hybrid Fund - Growth	5	719.68	-1.28	-1.63	-2.04	22.21	21.08
HSBC Aggressive Hybrid Fund - Growth	2	5719.93	0.33	2.39	0.74	21.59	12.86
Kotak Equity Hybrid Fund - Growth	4	6815.47	-0.44	0.04	2.31	21.19	14.61
Bandhan Hybrid Equity Fund - Regular Plan - Growth	3	809.77	0.91	1.38	6.61	19.90	12.63
Edelweiss Aggressive Hybrid Fund - Growth	4	2267.39	1.27	-0.77	2.48	19.50	16.19
UTI Aggressive Hybrid Fund - Growth	4	6107.34	-0.49	-1.28	1.97	18.75	15.85
Mahindra Manulife Aggressive Hybrid Fund - Regular Plan - Growth	3	1502.95	-1.06	-1.60	0.34	18.65	14.67
Baroda BNP Paribas Aggressive Hybrid Fund - Growth	3	1179.67	-0.84	-1.29	0.50	18.37	13.75
DSP Aggressive Hybrid Fund - Regular Plan - Growth	3	10379.44	-0.50	-0.63	3.57	17.42	12.30

Detailed Comparison

More Funds from Bank of India Mutual Fund

Out of 27 mutual fund schemes offered by this AMC, 5 is/are ranked 5 * , 7 is/are ranked 4 * , 3 is/are ranked 3 * , 3 is/are ranked 2 * , 1 is/are ranked 1 * , and 8 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Bank of India Flexi Cap Fund - Regular Plan - Growth	5	2048.16	-0.70	1.11	-2.34	26.47	20.05
Bank of India Liquid Fund - Regular Plan - Growth	4	1699.08	0.72	1.76	3.58	7.40	6.48
Bank of India Liquid Fund - Regular Plan - Growth	4	1699.08	0.70	1.75	3.56	7.34	6.56
Bank of India Small Cap Fund - Regular Plan - Growth	4	1613.36	-0.64	3.31	3.76	27.93	21.11
Bank of India ELSS Tax Saver - Regular Plan - Growth	3	1453.01	-1.69	-0.20	-5.75	19.10	16.74
Bank of India Mid & Small Cap Equity & Debt Fund - Growth	5	1053.73	0.67	2.89	1.09	22.78	16.46
Bank of India Mid & Small Cap Equity & Debt Fund - Growth	5	1053.73	0.00	0.00	0.00	0.00	0.00
Bank of India Multicap Fund - Regular Plan - Growth	NA	758.12	-1.75	-1.30	-0.96	20.33	0.00
Bank of India Business Cycle Fund - Regular Plan - Growth	NA	636.39	-3.47	-0.92	0.00	0.00	0.00
Bank of India Manufacturing & Infrastructure Fund - Growth	5	538.80	0.00	0.00	0.00	0.00	0.00