Bank of India Flexi Cap Fund
Flexi CapVery HighOPEN-ENDED
- NAV as on 9 Nov 2026
- ₹38.70+1.28%1 day
- Return since launch
- 23.4%
- 52-week range
- ₹31.79 — ₹39.00
- AUM
- ₹3,137 Cr
Bank of India Flexi Cap Fund is a Flexi Cap equity fund from Bank of India Mutual Fund with ₹3,137 Cr under management, launched in 2020. Over three years it has returned 9.8% a year, against 12.4% for its category. The expense ratio is 2.27% 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 +8.0% against -0.6% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 13.9% | +11.1 pts | 2.8% | 6.2% |
| 2Y | 10.8% | +4.3 pts | 6.4% | 4.0% |
| 3Y | 9.8% | −2.6 pts | 12.4% | 4.8% |
| 5Y | 15.4% | +5.5 pts | 9.9% | 9.5% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 2.9% | −2.9 pts | 5.8% | 5.9% |
| 3M | -0.2% | +0.3 pts | -0.5% | -0.7% |
| 6M | 6.1% | 0.0 pts | 6.0% | 5.4% |
| 1Y | 8.3% | +5.5 pts | 2.8% | -0.3% |
| 2Y | 4.8% | +1.5 pts | 3.3% | 1.6% |
| 3Y | 17.0% | +4.6 pts | 12.4% | 10.9% |
| 5Y | 14.0% | +4.1 pts | 9.9% | 8.7% |
Since launch (10 Jun 2020): 23.4%
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
2.29%
Expense ratio as on 6 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.66%
- Brokerage
- 0.11%
- Transaction charges
- 0.01%
- Statutory levies
- 0.51%
- 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 | 5.87 | 5.33 | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 1.08 | 0.99 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.61 | 0.63 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.93 | 0.82 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 18.80 | 16.70 | 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 30 Sep 2026
Asset allocation
- Equity90.7%
- Debt4.8%
- Other4.5%
Market cap split
- Large44.7%
- Mid17.9%
- Small37.3%
- P/E
- 26.25
- P/B
- 3.52
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| State Bank of India | Financial | 5.05% | ₹156 Cr | +4.48% | +4.62% | +5.28% |
| Others | Others | 4.48% | ₹137 Cr | +4.66% | +8.94% | -0.34% |
| ICICI Bank Ltd. | Financial | 3.41% | ₹106 Cr | +3.68% | +3.23% | +3.67% |
| Quality Power Electrical Equipments Ltd. | Capital Goods | 2.78% | ₹86.10 Cr | +2.73% | +2.52% | +3.36% |
| Hindustan Aeronautics Ltd. | Capital Goods | 2.77% | ₹85.89 Cr | +3.08% | +3.16% | +3.73% |
| Mankind Pharma Ltd. | Healthcare | 2.67% | ₹82.63 Cr | +2.45% | — | — |
| Sigma Advanced Systems Ltd. | Technology | 2.62% | ₹81.09 Cr | — | — | — |
| Sky Gold And Diamonds Ltd. | Consumer Discretionary | 2.62% | ₹81.07 Cr | +3.12% | +2.40% | +1.92% |
| Sterlite Technologies Ltd. | Communication | 2.61% | ₹80.98 Cr | — | — | — |
| Balrampur Chini Mills Ltd. | Consumer Staples | 2.51% | ₹77.82 Cr | +1.89% | +1.93% | +1.22% |
| Dr. Reddy's Laboratories Ltd. | Healthcare | 2.51% | ₹77.80 Cr | +2.57% | +1.97% | +2.26% |
| HDFC Bank Ltd. | Financial | 2.35% | ₹73.01 Cr | +10.29% | +8.37% | +8.70% |
| Bharti Airtel Ltd. | Communication | 2.27% | ₹70.28 Cr | +2.56% | +3.17% | +3.14% |
| Entero Healthcare Solutions Ltd. | Healthcare | 2.26% | ₹70.00 Cr | +1.80% | — | — |
| Adani Ports and Special Economic Zone Ltd. | Services | 2.21% | ₹68.34 Cr | +2.63% | +2.27% | +2.28% |
| Netweb Technologies India Ltd. | Technology | 2.20% | ₹68.22 Cr | +0.24% | +0.21% | +3.20% |
| Bank Of Baroda | Financial | 2.07% | ₹64.23 Cr | +1.43% | +1.67% | +2.02% |
| Indian Bank | Financial | 1.89% | ₹58.43 Cr | +2.04% | +2.13% | +1.80% |
| UNO Minda Ltd. | Automobile | 1.89% | ₹58.51 Cr | +2.08% | +2.54% | +2.70% |
| ICICI Prudential Asset Management Company Ltd. | Financial | 1.79% | ₹55.43 Cr | — | — | — |
| Optiemus Infracom Ltd. | Services | 1.56% | ₹48.39 Cr | — | — | — |
| Mahindra & Mahindra Ltd. | Automobile | 1.54% | ₹47.79 Cr | +1.64% | +1.48% | — |
| HDB Financial Services Ltd. | Financial | 1.48% | ₹45.92 Cr | — | — | — |
| Acutaas Chemicals Ltd. | Healthcare | 1.43% | ₹44.27 Cr | +2.69% | +2.51% | +2.01% |
| NTPC Ltd. | Energy | 1.38% | ₹42.60 Cr | +1.80% | +2.41% | +1.74% |
| Powerica Ltd. | Capital Goods | 1.35% | ₹41.74 Cr | +1.64% | — | — |
| Coromandel International Ltd. | Chemicals | 1.34% | ₹41.37 Cr | +1.55% | +1.65% | +1.71% |
| Reliance Industries Ltd. | Energy | 1.34% | ₹41.55 Cr | +1.73% | +2.31% | +1.17% |
| Tata Technologies Ltd | Services | 1.30% | ₹40.33 Cr | — | — | — |
| Lloyds Metals & Energy Ltd. | Metals & Mining | 1.26% | ₹39.14 Cr | +2.62% | +3.07% | +3.28% |
| Bharat Electronics Ltd. | Capital Goods | 1.25% | ₹38.83 Cr | +1.57% | +2.38% | +2.26% |
| Larsen & Toubro Ltd. | Construction | 1.21% | ₹37.60 Cr | — | — | — |
| Britannia Industries Ltd. | Consumer Staples | 1.18% | ₹36.71 Cr | +1.50% | +2.03% | — |
| Vedanta Aluminium Metal Ltd. | Metals & Mining | 1.13% | ₹35.10 Cr | +1.54% | — | — |
| Adani Power Ltd. | Energy | 1.10% | ₹34.17 Cr | +1.43% | — | — |
| Bosch Home Comfort India Ltd. | Consumer Discretionary | 1.09% | ₹33.78 Cr | — | — | — |
| Filatex India Ltd. | Textiles | 1.07% | ₹33.26 Cr | — | — | — |
| Titagarh Rail Systems Ltd. | Automobile | 1.03% | ₹31.91 Cr | +0.88% | +0.73% | +0.52% |
| JSW Steel Ltd. | Metals & Mining | 1.01% | ₹31.34 Cr | — | — | — |
| Asian Paints Ltd. | Materials | 0.99% | ₹30.75 Cr | +1.29% | +1.36% | — |
| Hitachi Energy India Ltd. | Capital Goods | 0.99% | ₹30.63 Cr | +1.34% | +0.95% | — |
| Hindustan Copper Ltd. | Metals & Mining | 0.98% | ₹30.51 Cr | +0.66% | +1.63% | — |
| Bajaj Auto Ltd. | Automobile | 0.91% | ₹28.27 Cr | +0.97% | +0.78% | — |
| CreditAccess Grameen Ltd. | Financial | 0.91% | ₹28.11 Cr | +1.26% | +0.52% | +2.99% |
| Swan Corp Ltd. | Construction | 0.91% | ₹28.30 Cr | +1.21% | +1.49% | +2.12% |
| Gujarat Themis Biosyn Ltd. | Healthcare | 0.88% | ₹27.37 Cr | — | — | — |
| Ultratech Cement Ltd. | Materials | 0.88% | ₹27.39 Cr | +1.08% | — | — |
| Tata Motors Ltd. | Automobile | 0.87% | ₹26.99 Cr | +1.04% | +1.25% | — |
| Union Bank of India | Financial | 0.81% | ₹24.96 Cr | — | — | — |
| Sona BLW Precision Forgings Ltd. | Automobile | 0.80% | ₹24.90 Cr | — | — | — |
| Bharat Forge Ltd. | Automobile | 0.78% | ₹24.08 Cr | +1.43% | +1.44% | +1.01% |
| HEG Graphite Ltd. | Capital Goods | 0.77% | ₹23.88 Cr | — | — | — |
| LEAP India Ltd. | Services | 0.73% | ₹22.52 Cr | — | — | — |
| Cemindia Projects Ltd. | Construction | 0.69% | ₹21.46 Cr | +1.78% | — | — |
| Siemens Energy India Ltd. | Energy | 0.68% | ₹21.12 Cr | +1.13% | +0.50% | +1.21% |
| Bharat Petroleum Corporation Ltd. | Energy | 0.64% | ₹19.76 Cr | — | — | — |
| Skyways Air Services Ltd. | Services | 0.63% | ₹19.59 Cr | — | — | — |
| SBI Life Insurance Company Ltd. | Insurance | 0.62% | ₹19.34 Cr | +0.50% | +0.65% | — |
| SJS Enterprises Ltd. | Automobile | 0.62% | ₹19.31 Cr | +0.73% | +0.56% | — |
| Radico Khaitan Ltd. | Consumer Staples | 0.61% | ₹18.77 Cr | +0.65% | +0.56% | +1.47% |
| Jash Engineering Ltd. | Capital Goods | 0.59% | ₹18.13 Cr | +0.59% | — | — |
| Torrent Power Ltd. | Energy | 0.56% | ₹17.44 Cr | +0.76% | +0.90% | +0.97% |
| Turtlemint Fintech Solutions Ltd. | Financial | 0.56% | ₹17.25 Cr | +0.69% | — | — |
| Mazagon Dock Shipbuilders Ltd. | Capital Goods | 0.51% | ₹15.85 Cr | +0.72% | +1.02% | — |
| Zaggle Prepaid Ocean Services Ltd. | Technology | 0.51% | ₹15.88 Cr | +0.72% | +0.85% | +1.47% |
| National Bank For Agriculture & Rural Development | Financial | 0.39% | ₹12.11 Cr | +0.46% | — | +0.22% |
| Small Industries Devp. Bank of India Ltd. | Financial | 0.30% | ₹9.37 Cr | — | +0.23% | — |
| Triveni Power Transmission Ltd. | Capital Goods | 0.30% | ₹9.28 Cr | — | — | — |
| Eternal Ltd. | Services | 0.26% | ₹8.00 Cr | — | — | — |
| Reserve Bank of India | Financial | 0.02% | ₹0.49 Cr | +0.02% | +0.02% | +0.14% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| HDFC Bank Ltd. | 2.04% | 0.02% | -2.02% |
| Optiemus Infracom Ltd. | 0.00% | 1.56% | +1.56% |
| Krishna Institute of Medical Sciences Ltd | 1.28% | 0.00% | -1.28% |
| Nuvama Wealth Management Ltd. | 1.28% | 0.00% | -1.28% |
| HEG Advanced Materials Ltd. | 1.26% | 0.00% | -1.26% |
| Netweb Technologies India Ltd. | 0.98% | 2.20% | +1.22% |
| Larsen & Toubro Ltd. | 0.00% | 1.21% | +1.21% |
| ICICI Prudential Asset Management Company Ltd. | 0.71% | 1.79% | +1.08% |
| Filatex India Ltd. | 0.00% | 1.07% | +1.07% |
| JSW Steel Ltd. | 0.00% | 1.01% | +1.01% |
| HDB Financial Services Ltd. | 0.63% | 1.48% | +0.85% |
| Sona BLW Precision Forgings Ltd. | 0.00% | 0.80% | +0.80% |
| HEG Graphite Ltd. | 0.00% | 0.77% | +0.77% |
| MRF Ltd. | 0.76% | 0.00% | -0.76% |
| Sigma Advanced Systems Ltd. | 1.95% | 2.62% | +0.67% |
| Bharat Petroleum Corporation Ltd. | 0.00% | 0.64% | +0.64% |
| ICICI Bank Ltd. | 3.94% | 3.41% | -0.53% |
| Bank Of Baroda | 1.55% | 2.07% | +0.52% |
| Triveni Engineering & Industries Ltd. | 0.51% | 0.00% | -0.51% |
| Bosch Home Comfort India Ltd. | 0.59% | 1.09% | +0.50% |
| Sterlite Technologies Ltd. | 2.12% | 2.61% | +0.49% |
| Turtlemint Fintech Solutions Ltd. | 1.02% | 0.56% | -0.46% |
| company:5652 | 0.42% | 0.00% | -0.42% |
| Lloyds Metals & Energy Ltd. | 0.94% | 1.26% | +0.32% |
| Tata Technologies Ltd | 1.60% | 1.30% | -0.30% |
| Union Bank of India | 0.51% | 0.81% | +0.30% |
| Sky Gold And Diamonds Ltd. | 2.90% | 2.62% | -0.28% |
| UNO Minda Ltd. | 2.16% | 1.89% | -0.27% |
| Mahindra & Mahindra Ltd. | 1.80% | 1.54% | -0.26% |
| Balrampur Chini Mills Ltd. | 2.76% | 2.51% | -0.25% |
| Vedanta Aluminium Metal Ltd. | 0.88% | 1.13% | +0.25% |
| Syrma SGS Technology Ltd. | 0.24% | 0.00% | -0.24% |
| Hindustan Aeronautics Ltd. | 2.99% | 2.77% | -0.22% |
| Titagarh Rail Systems Ltd. | 0.82% | 1.03% | +0.21% |
| LEAP India Ltd. | 0.93% | 0.73% | -0.20% |
| Bharti Airtel Ltd. | 2.45% | 2.27% | -0.18% |
| Skyways Air Services Ltd. | 0.81% | 0.63% | -0.18% |
| Coromandel International Ltd. | 1.52% | 1.34% | -0.18% |
| Entero Healthcare Solutions Ltd. | 2.43% | 2.26% | -0.17% |
| Britannia Industries Ltd. | 1.35% | 1.18% | -0.17% |
| Reliance Industries Ltd. | 1.51% | 1.34% | -0.17% |
| Adani Ports and Special Economic Zone Ltd. | 2.05% | 2.21% | +0.16% |
| Bajaj Auto Ltd. | 1.07% | 0.91% | -0.16% |
| Asian Paints Ltd. | 1.15% | 0.99% | -0.16% |
| Tata Motors Ltd. | 1.02% | 0.87% | -0.15% |
| Bharat Electronics Ltd. | 1.40% | 1.25% | -0.15% |
| Hitachi Energy India Ltd. | 1.14% | 0.99% | -0.15% |
| Powerica Ltd. | 1.22% | 1.35% | +0.13% |
| Gujarat Themis Biosyn Ltd. | 1.01% | 0.88% | -0.13% |
| Hindustan Copper Ltd. | 0.86% | 0.98% | +0.12% |
| Mazagon Dock Shipbuilders Ltd. | 0.63% | 0.51% | -0.12% |
| Bharat Forge Ltd. | 0.89% | 0.78% | -0.11% |
| CreditAccess Grameen Ltd. | 1.02% | 0.91% | -0.11% |
| Jash Engineering Ltd. | 0.48% | 0.59% | +0.11% |
| Indian Bank | 1.99% | 1.89% | -0.10% |
| SJS Enterprises Ltd. | 0.72% | 0.62% | -0.10% |
| Others | 0.07% | -0.02% | -0.09% |
| Swan Corp Ltd. | 1.00% | 0.91% | -0.09% |
| Ultratech Cement Ltd. | 0.97% | 0.88% | -0.09% |
| NTPC Ltd. | 1.46% | 1.38% | -0.08% |
| Cemindia Projects Ltd. | 0.75% | 0.69% | -0.06% |
| Quality Power Electrical Equipments Ltd. | 2.84% | 2.78% | -0.06% |
| Zaggle Prepaid Ocean Services Ltd. | 0.57% | 0.51% | -0.06% |
| SBI Life Insurance Company Ltd. | 0.67% | 0.62% | -0.05% |
| Radico Khaitan Ltd. | 0.65% | 0.61% | -0.04% |
| State Bank of India | 5.01% | 5.05% | +0.04% |
| Siemens Energy India Ltd. | 0.72% | 0.68% | -0.04% |
| Dr. Reddy's Laboratories Ltd. | 2.47% | 2.51% | +0.04% |
| Mankind Pharma Ltd. | 2.70% | 2.67% | -0.03% |
| Brigade Enterprises Ltd. | 0.03% | 0.00% | -0.03% |
| Adani Power Ltd. | 1.12% | 1.10% | -0.02% |
| Eternal Ltd. | 0.28% | 0.26% | -0.02% |
| Small Industries Devp. Bank of India Ltd. | 0.32% | 0.30% | -0.02% |
| National Bank For Agriculture & Rural Development | 0.41% | 0.39% | -0.02% |
| Torrent Power Ltd. | 0.58% | 0.56% | -0.02% |
| Acutaas Chemicals Ltd. | 1.44% | 1.43% | -0.01% |
| Triveni Power Transmission Ltd. | 0.31% | 0.30% | -0.01% |
| 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 | ₹32,267 Cr | 1.94% | 15.5% | 10.2% | 14.9% |
 HDFC Flexi Cap Fund | ₹1,08,547 Cr | 1.36% | 10.6% | 9.6% | 15.2% |
 Motilal Oswal Flexi Cap Fund | ₹13,446 Cr | 1.97% | 15.3% | 9.0% | 14.7% |
 Invesco India Flexi Cap Fund | ₹5,488 Cr | 2.08% | 15.3% | 9.7% | — |
 ITI Flexi Cap Fund | ₹1,588 Cr | 2.33% | 21.0% | 12.6% | — |
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 months6.06% absolute | ₹60,000 | ₹63,636 | 6.06% | |
| 1 year8.28% annualised | ₹1,20,000 | ₹1,25,521 | 4.60% | |
| 3 years16.97% annualised | ₹3,60,000 | ₹4,71,779 | 31.05% | |
| 5 years14.02% annualised | ₹6,00,000 | ₹8,72,495 | 45.42% |
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 ₹38.70 as on 9 Nov 2026.
What is the expense ratio of Bank of India Flexi Cap Fund?
The expense ratio of Bank of India Flexi Cap Fund is 2.27% 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 13.9% over 1 year, 9.8% over 3 years and 15.4% 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 ₹17,978 Cr under management.