Bank of India Flexi Cap Fund
Flexi CapVery HighOPEN-ENDED
- NAV as on 25 Sep 2026
- ₹38.27+0.13%1 day
- Return since launch
- 23.9%
- 52-week range
- ₹31.79 — ₹39.00
- AUM
- ₹2,953 Cr
Bank of India Flexi Cap Fund is a Flexi Cap equity fund from Bank of India Mutual Fund with ₹2,953 Cr under management, launched in 2020. Over three years it has returned 10.6% a year, against 11.5% for its category. The expense ratio is 2.28% and the SEBI riskometer reading is Very High.
Performance
Bank of India Flexi Cap Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +11.3% against -0.2% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 14.0% | +11.2 pts | 2.8% | 0.4% |
| 2Y | 10.2% | +6.9 pts | 3.3% | 1.1% |
| 3Y | 10.6% | −0.9 pts | 11.5% | 3.7% |
| 5Y | 16.0% | +6.2 pts | 9.8% | 9.1% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -1.5% | +1.8 pts | -3.3% | -3.2% |
| 3M | 3.7% | +2.9 pts | 0.8% | 0.5% |
| 6M | 17.4% | +5.3 pts | 12.0% | 11.1% |
| 1Y | 11.3% | +8.6 pts | 2.8% | -0.2% |
| 2Y | 1.7% | +3.4 pts | -1.6% | -3.2% |
| 3Y | 17.7% | +6.2 pts | 11.5% | 9.9% |
| 5Y | 14.8% | +5.0 pts | 9.8% | 8.7% |
Since launch (10 Jun 2020): 23.9%
Calendar-year returns
Category average46.0%
-0.9%
37.9%
28.7%
-0.3%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | -0.3% | −4.5 pts | 4.2% |
| 2024 | 28.7% | +6.9 pts | 21.8% |
| 2023 | 37.9% | +8.2 pts | 29.7% |
| 2022 | -0.9% | −2.6 pts | 1.7% |
| 2021 | 46.0% | +11.6 pts | 34.4% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
2.25%
Expense ratio as on 25 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.67%
- Brokerage
- 0.09%
- Transaction charges
- 0.01%
- Statutory levies
- 0.48%
- Exit load
- Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months.
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- BSE 500 TRI
- Short-term capital gains
- Returns taxed at 20% if you redeem before 1 year
- Long-term capital gains
- After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Very High
Your principal is treated as being at very high risk — typically small cap, sectoral and thematic equity schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | 6.81 | 5.34 | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 1.11 | 1.02 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.77 | 0.73 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 1.14 | 0.94 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 18.78 | 16.96 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 4 category peers | |||
Portfolio
Bank of India Flexi Cap Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Equity88.9%
- Debt5.1%
- Other6.0%
Market cap split
- Large43.9%
- Mid17.7%
- Small38.4%
- P/E
- 27.84
- P/B
- 3.68
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 5.97% | ₹176 Cr | +0.18% | +11.50% | +0.02% |
| State Bank of India | Financial | 5.01% | ₹148 Cr | +4.04% | -2.22% | +4.98% |
| ICICI Bank Ltd. | Financial | 3.94% | ₹116 Cr | +3.06% | +3.44% | +3.90% |
| Hindustan Aeronautics Ltd. | Capital Goods | 2.99% | ₹88.35 Cr | +3.22% | +3.04% | +3.49% |
| Sky Gold And Diamonds Ltd. | Consumer Discretionary | 2.90% | ₹85.55 Cr | +3.24% | +2.53% | +2.16% |
| Quality Power Electrical Equipments Ltd. | Capital Goods | 2.84% | ₹83.79 Cr | +2.52% | +2.52% | +3.06% |
| Balrampur Chini Mills Ltd. | Consumer Staples | 2.76% | ₹81.42 Cr | +1.66% | +1.25% | +1.47% |
| Mankind Pharma Ltd. | Healthcare | 2.70% | ₹79.83 Cr | +0.98% | — | — |
| Dr. Reddy's Laboratories Ltd. | Healthcare | 2.47% | ₹72.84 Cr | +1.96% | +1.88% | +2.39% |
| Bharti Airtel Ltd. | Communication | 2.45% | ₹72.48 Cr | +2.69% | +3.11% | +2.77% |
| HDFC Bank Ltd. | Financial | 2.45% | ₹72.37 Cr | +5.30% | +6.30% | +5.94% |
| Entero Healthcare Solutions Ltd. | Healthcare | 2.43% | ₹71.78 Cr | +1.93% | — | — |
| UNO Minda Ltd. | Automobile | 2.16% | ₹63.81 Cr | +2.24% | +2.08% | +2.73% |
| Sterlite Technologies Ltd. | Communication | 2.12% | ₹62.47 Cr | — | — | — |
| Adani Ports and Special Economic Zone Ltd. | Services | 2.05% | ₹60.54 Cr | +2.79% | +2.44% | +1.90% |
| Indian Bank | Financial | 1.99% | ₹58.69 Cr | +2.21% | -0.95% | +1.36% |
| Sigma Advanced Systems Ltd. | Technology | 1.95% | ₹57.46 Cr | — | — | — |
| Mahindra & Mahindra Ltd. | Automobile | 1.80% | ₹53.17 Cr | +1.73% | — | — |
| Tata Technologies Ltd | Services | 1.60% | ₹47.37 Cr | — | — | — |
| Bank Of Baroda | Financial | 1.55% | ₹45.84 Cr | +1.50% | +1.35% | +1.64% |
| Coromandel International Ltd. | Chemicals | 1.52% | ₹44.85 Cr | +1.44% | +1.78% | +1.80% |
| Reliance Industries Ltd. | Energy | 1.51% | ₹44.70 Cr | +1.88% | +2.23% | +1.19% |
| NTPC Ltd. | Energy | 1.46% | ₹43.22 Cr | +2.08% | +1.93% | +1.71% |
| Acutaas Chemicals Ltd. | Healthcare | 1.44% | ₹42.67 Cr | +2.54% | +2.10% | +2.20% |
| Bharat Electronics Ltd. | Capital Goods | 1.40% | ₹41.45 Cr | +1.67% | +2.46% | +2.12% |
| Britannia Industries Ltd. | Consumer Staples | 1.35% | ₹39.90 Cr | +1.61% | +2.61% | — |
| Krishna Institute of Medical Sciences Ltd | Healthcare | 1.28% | ₹37.68 Cr | +1.54% | — | — |
| Nuvama Wealth Management Ltd. | Financial | 1.28% | ₹37.69 Cr | +1.36% | +0.26% | +1.21% |
| HEG Advanced Materials Ltd. | Capital Goods | 1.26% | ₹37.17 Cr | +1.38% | +1.32% | +1.09% |
| Powerica Ltd. | Capital Goods | 1.22% | ₹36.07 Cr | +1.24% | — | — |
| Asian Paints Ltd. | Materials | 1.15% | ₹33.97 Cr | +1.39% | +1.39% | — |
| Hitachi Energy India Ltd. | Capital Goods | 1.14% | ₹33.76 Cr | +1.56% | — | — |
| Adani Power Ltd. | Energy | 1.12% | ₹33.17 Cr | +1.66% | — | — |
| Bajaj Auto Ltd. | Automobile | 1.07% | ₹31.54 Cr | +1.11% | — | — |
| CreditAccess Grameen Ltd. | Financial | 1.02% | ₹30.13 Cr | +1.16% | +0.20% | +3.15% |
| Tata Motors Ltd. | Automobile | 1.02% | ₹30.15 Cr | +0.99% | +0.62% | — |
| Turtlemint Fintech Solutions Ltd. | Financial | 1.02% | ₹30.00 Cr | — | — | — |
| company:1390 | Healthcare | 1.01% | ₹29.82 Cr | — | — | — |
| Swan Corp Ltd. | Construction | 1.00% | ₹29.62 Cr | +1.35% | +1.77% | +2.13% |
| Netweb Technologies India Ltd. | Technology | 0.98% | ₹28.93 Cr | +0.27% | +0.25% | +1.99% |
| Ultratech Cement Ltd. | Materials | 0.97% | ₹28.63 Cr | — | — | — |
| Lloyds Metals & Energy Ltd. | Metals & Mining | 0.94% | ₹27.66 Cr | +3.60% | +2.69% | +3.54% |
| company:20765 | Services | 0.93% | ₹27.43 Cr | — | — | — |
| Bharat Forge Ltd. | Automobile | 0.89% | ₹26.31 Cr | +1.39% | +1.31% | +1.20% |
| Vedanta Aluminium Metal Ltd. | Metals & Mining | 0.88% | ₹26.11 Cr | +2.13% | — | — |
| Hindustan Copper Ltd. | Metals & Mining | 0.86% | ₹25.50 Cr | +1.88% | — | — |
| Titagarh Rail Systems Ltd. | Automobile | 0.82% | ₹24.13 Cr | +0.87% | +0.66% | +0.51% |
| company:20821 | Services | 0.81% | ₹23.87 Cr | — | — | — |
| MRF Ltd. | Automobile | 0.76% | ₹22.47 Cr | +0.84% | +1.08% | — |
| Cemindia Projects Ltd. | Construction | 0.75% | ₹22.06 Cr | +1.08% | — | — |
| SJS Enterprises Ltd. | Automobile | 0.72% | ₹21.29 Cr | +0.73% | — | — |
| Siemens Energy India Ltd. | Energy | 0.72% | ₹21.32 Cr | +1.26% | +0.54% | +1.21% |
| company:20391 | Unclassified | 0.71% | ₹20.84 Cr | — | — | — |
| SBI Life Insurance Company Ltd. | Insurance | 0.67% | ₹19.84 Cr | +0.55% | +0.48% | — |
| Radico Khaitan Ltd. | Consumer Staples | 0.65% | ₹19.28 Cr | +0.61% | +0.28% | +1.30% |
| Mazagon Dock Shipbuilders Ltd. | Capital Goods | 0.63% | ₹18.60 Cr | +0.75% | — | — |
| company:11622 | Financial | 0.63% | ₹18.59 Cr | — | — | — |
| company:190 | Consumer Discretionary | 0.59% | ₹17.32 Cr | — | — | — |
| Torrent Power Ltd. | Energy | 0.58% | ₹17.01 Cr | +0.81% | +0.67% | +1.00% |
| Zaggle Prepaid Ocean Services Ltd. | Technology | 0.57% | ₹16.91 Cr | +0.78% | +0.95% | +1.70% |
| Triveni Engineering & Industries Ltd. | Consumer Staples | 0.51% | ₹15.11 Cr | +0.78% | +0.92% | +0.85% |
| Union Bank of India | Financial | 0.51% | ₹14.97 Cr | — | — | — |
| Jash Engineering Ltd. | Capital Goods | 0.48% | ₹14.27 Cr | — | — | — |
| Canara Bank | Financial | 0.42% | ₹12.50 Cr | — | — | — |
| National Bank For Agriculture & Rural Development | Financial | 0.41% | ₹12.05 Cr | — | — | +0.23% |
| company:5536 | Financial | 0.32% | ₹9.32 Cr | — | +0.21% | — |
| Triveni Power Transmission Ltd. | Capital Goods | 0.31% | ₹9.28 Cr | — | — | — |
| Eternal Ltd. | Services | 0.28% | ₹8.20 Cr | — | — | — |
| Syrma SGS Technology Ltd. | Capital Goods | 0.24% | ₹7.19 Cr | +1.00% | +0.66% | +0.97% |
| Brigade Enterprises Ltd. | Construction | 0.03% | ₹0.87 Cr | +0.03% | +0.03% | +0.83% |
| Reserve Bank of India | Financial | 0.02% | ₹0.49 Cr | +0.02% | +0.77% | +0.14% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Power Finance Corporation Ltd. | 2.02% | 0.00% | -2.02% |
| Lloyds Metals & Energy Ltd. | 2.62% | 0.94% | -1.68% |
| Prudent Corporate Advisory Services Ltd. | 1.07% | 0.00% | -1.07% |
| company:1390 | 0.00% | 1.01% | +1.01% |
| company:20765 | 0.00% | 0.93% | +0.93% |
| company:20821 | 0.00% | 0.81% | +0.81% |
| Netweb Technologies India Ltd. | 0.23% | 0.98% | +0.75% |
| company:20391 | 0.00% | 0.71% | +0.71% |
| Entero Healthcare Solutions Ltd. | 1.77% | 2.43% | +0.66% |
| company:11622 | 0.00% | 0.63% | +0.63% |
| company:190 | 0.00% | 0.59% | +0.59% |
| Senco Gold Ltd. | 0.50% | 0.00% | -0.50% |
| Bharat Forge Ltd. | 1.38% | 0.89% | -0.49% |
| Balrampur Chini Mills Ltd. | 2.28% | 2.76% | +0.48% |
| Quality Power Electrical Equipments Ltd. | 2.37% | 2.84% | +0.47% |
| Hindustan Copper Ltd. | 0.40% | 0.86% | +0.46% |
| Turtlemint Fintech Solutions Ltd. | 0.57% | 1.02% | +0.45% |
| Sterlite Technologies Ltd. | 1.71% | 2.12% | +0.41% |
| Punjab National Bank | 0.36% | 0.00% | -0.36% |
| company:5536 | 0.00% | 0.32% | +0.32% |
| Sigma Advanced Systems Ltd. | 1.64% | 1.95% | +0.31% |
| Others | 0.38% | 0.07% | -0.31% |
| Tata Steel Ltd. | 0.29% | 0.00% | -0.29% |
| Adani Ports and Special Economic Zone Ltd. | 2.31% | 2.05% | -0.26% |
| CreditAccess Grameen Ltd. | 1.26% | 1.02% | -0.24% |
| HDFC Bank Ltd. | 2.28% | 2.04% | -0.24% |
| Coromandel International Ltd. | 1.75% | 1.52% | -0.23% |
| Mankind Pharma Ltd. | 2.92% | 2.70% | -0.22% |
| Siemens Energy India Ltd. | 0.93% | 0.72% | -0.21% |
| NTPC Ltd. | 1.65% | 1.46% | -0.19% |
| ICICI Bank Ltd. | 4.12% | 3.94% | -0.18% |
| Mahindra & Mahindra Ltd. | 1.98% | 1.80% | -0.18% |
| Acutaas Chemicals Ltd. | 1.61% | 1.44% | -0.17% |
| SBI Life Insurance Company Ltd. | 0.50% | 0.67% | +0.17% |
| Krishna Institute of Medical Sciences Ltd | 1.44% | 1.28% | -0.16% |
| Adani Power Ltd. | 1.27% | 1.12% | -0.15% |
| Cemindia Projects Ltd. | 0.88% | 0.75% | -0.13% |
| Torrent Power Ltd. | 0.71% | 0.58% | -0.13% |
| Britannia Industries Ltd. | 1.48% | 1.35% | -0.13% |
| Dr. Reddy's Laboratories Ltd. | 2.60% | 2.47% | -0.13% |
| Reliance Industries Ltd. | 1.64% | 1.51% | -0.13% |
| State Bank of India | 5.14% | 5.01% | -0.13% |
| Swan Corp Ltd. | 1.12% | 1.00% | -0.12% |
| Bank Of Baroda | 1.67% | 1.55% | -0.12% |
| Asian Paints Ltd. | 1.26% | 1.15% | -0.11% |
| Bharti Airtel Ltd. | 2.56% | 2.45% | -0.11% |
| Nuvama Wealth Management Ltd. | 1.39% | 1.28% | -0.11% |
| Powerica Ltd. | 1.32% | 1.22% | -0.10% |
| Ultratech Cement Ltd. | 1.07% | 0.97% | -0.10% |
| Zaggle Prepaid Ocean Services Ltd. | 0.67% | 0.57% | -0.10% |
| Triveni Engineering & Industries Ltd. | 0.41% | 0.51% | +0.10% |
| Vedanta Aluminium Metal Ltd. | 0.98% | 0.88% | -0.10% |
| Hindustan Aeronautics Ltd. | 3.07% | 2.99% | -0.08% |
| Jash Engineering Ltd. | 0.55% | 0.48% | -0.07% |
| Tata Technologies Ltd | 1.53% | 1.60% | +0.07% |
| HEG Advanced Materials Ltd. | 1.20% | 1.26% | +0.06% |
| OnEMI Technology Solutions Ltd. | 0.06% | 0.00% | -0.06% |
| Sky Gold And Diamonds Ltd. | 2.95% | 2.90% | -0.05% |
| Titagarh Rail Systems Ltd. | 0.77% | 0.82% | +0.05% |
| MRF Ltd. | 0.80% | 0.76% | -0.04% |
| UNO Minda Ltd. | 2.12% | 2.16% | +0.04% |
| Canara Bank | 0.45% | 0.42% | -0.03% |
| Indian Bank | 1.96% | 1.99% | +0.03% |
| National Bank For Agriculture & Rural Development | 0.43% | 0.41% | -0.02% |
| Radico Khaitan Ltd. | 0.67% | 0.65% | -0.02% |
| Tata Motors Ltd. | 1.00% | 1.02% | +0.02% |
| Triveni Power Transmission Ltd. | 0.33% | 0.31% | -0.02% |
| Union Bank of India | 0.53% | 0.51% | -0.02% |
| Bharat Electronics Ltd. | 1.39% | 1.40% | +0.01% |
| Eternal Ltd. | 0.27% | 0.28% | +0.01% |
| Hitachi Energy India Ltd. | 1.15% | 1.14% | -0.01% |
| Mazagon Dock Shipbuilders Ltd. | 0.64% | 0.63% | -0.01% |
| SJS Enterprises Ltd. | 0.73% | 0.72% | -0.01% |
| Syrma SGS Technology Ltd. | 0.25% | 0.24% | -0.01% |
| Bajaj Auto Ltd. | 1.07% | 1.07% | 0.00% |
| Brigade Enterprises Ltd. | 0.03% | 0.03% | 0.00% |
| Reserve Bank of India | 0.02% | 0.02% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹5,927 Cr | 2.21% | 12.6% | 9.7% | 14.8% |
 Motilal Oswal Flexi Cap Fund | ₹14,160 Cr | 2.05% | 12.8% | 9.3% | 14.8% |
 Invesco India Flexi Cap Fund | ₹5,709 Cr | 2.07% | 5.7% | 7.8% | — |
 360 ONE FlexiCap Fund | ₹2,250 Cr | 2.38% | 15.0% | 10.0% | — |
 ITI Flexi Cap Fund | ₹1,588 Cr | 2.34% | 16.8% | 11.6% | — |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity-related securities across various market capitalisation.
Fund managers
- Alok SinghMr. Singh is a CFA and PGDBA from ICFAI Business School.Prior to joining Bank of India AMC he has worked with BNP Paribas Asset Management and Axis Bank
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
₹
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months17.36% absolute | ₹60,000 | ₹70,416 | 17.36% | |
| 1 year11.35% annualised | ₹1,20,000 | ₹1,27,640 | 6.37% | |
| 3 years17.68% annualised | ₹3,60,000 | ₹4,77,325 | 32.59% | |
| 5 years14.79% annualised | ₹6,00,000 | ₹8,91,536 | 48.59% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.
What is the NAV of Bank of India Flexi Cap Fund?
The NAV of Bank of India Flexi Cap Fund is ₹38.27 as on 25 Sep 2026.
What is the expense ratio of Bank of India Flexi Cap Fund?
The expense ratio of Bank of India Flexi Cap Fund is 2.28% per year.
What is the minimum SIP amount for Bank of India Flexi Cap Fund?
You can start a SIP in Bank of India Flexi Cap Fund with ₹3,000 a month.
What returns has Bank of India Flexi Cap Fund given?
Bank of India Flexi Cap Fund has returned 14.0% over 1 year, 10.6% over 3 years and 16.0% over 5 years (annualised).
Is there a lock-in or exit load on Bank of India Flexi Cap Fund?
Lock-in: None. Exit load: Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months..
How risky is Bank of India Flexi Cap Fund?
Bank of India Flexi Cap Fund is rated Very High on the SEBI riskometer and belongs to the Flexi Cap category.
Which fund house manages Bank of India Flexi Cap Fund?
Bank of India Flexi Cap Fund is managed by Bank of India Mutual Fund, which runs 23 schemes with ₹15,446 Cr under management.