Bank of India Flexi Cap Fund Direct-Growth
(Scheme Rating)
NAV as of May 12, 2025
34.884.37%
- Growth - Direct
(Earn upto 1.48% Extra Returns with Direct Plan)
Fund Category:
Equity: Flexi Cap
Expense Ratio:
0.53%(0.71% Category
average)Fund Size:
Rs. 1,981.91 Cr(0.31% of Investment in Category)
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Bank of India Flexi Cap Fund Direct-Growth
(Scheme Rating)
NAV as of May 12, 2025
34.884.37%
Expense Ratio:
0.53%
Fund Size:
Rs. 1,981.91 Cr
Fund Category:
Equity: Flexi Cap
Bank of India Flexi Cap Fund - Direct Plan, launched on Jun 29, 2020 is benchmarked to BSE 500 Total Return Index. The riskometer of this fundType is set at Very High. Asset Allocation is Equity ( 27.0%), Debt ( 0.27%) and Cash and Others ( 2.4%). The Current NAV of the Bank of India Flexi Cap Fund - Direct Plan as of Mar 17, 2025 is Rs 31.96. The AUM of Bank of India Flexi Cap Fund - Direct Plan is Rs 1786.77 crore as on Feb 28, 2025. Minimum investment required is Rs 1000 and minimum additional investment is Rs 1000. Minimum SIP investment is Rs 1000.
Bank of India Flexi Cap Fund Direct-Growth Fund Key Highlights
1. Current NAV: The Current Net Asset Value of the Bank of India Flexi Cap Fund - Direct Plan as of May 12, 2025 is Rs 34.88 for Growth option of its Direct plan.
2. Returns: Its trailing returns over different time periods are: 0.75% (1yr), 21.68% (3yr) and 28.16% (since launch). Whereas, Category returns for the same time duration are: 6.83% (1yr), 16.56% (3yr) and 22.39% (5yr).
3. Fund Size: The Bank of India Flexi Cap Fund - Direct Plan currently holds Assets under Management worth of Rs 1962.03 crore as on Mar 31, 2025.
4. Expense ratio: The expense ratio of the fund is 0.53% for Direct plan as on May 08, 2025.
5. Exit Load: Bank of India Flexi Cap Fund - Direct Plan shall attract an Exit Load, "Exit load of 1%, if redeemed within 3 months."
6. Minimum Investment: Minimum investment required is Rs 5000 and minimum additional investment is Rs 1000. Minimum SIP investment is Rs 1000.
1. Current NAV: The Current Net Asset Value of the Bank of India Flexi Cap Fund - Direct Plan as of May 12, 2025 is Rs 34.88 for Growth option of its Direct plan.
2. Returns: Its trailing returns over different time periods are: 0.75% (1yr), 21.68% (3yr) and 28.16% (since launch). Whereas, Category returns for the same time duration are: 6.83% (1yr), 16.56% (3yr) and 22.39% (5yr).
3. Fund Size: The Bank of India Flexi Cap Fund - Direct Plan currently holds Assets under Management worth of Rs 1962.03 crore as on Mar 31, 2025.
4. Expense ratio: The expense ratio of the fund is 0.53% for Direct plan as on May 08, 2025.
5. Exit Load: Bank of India Flexi Cap Fund - Direct Plan shall attract an Exit Load, "Exit load of 1%, if redeemed within 3 months."
6. Minimum Investment: Minimum investment required is Rs 5000 and minimum additional investment is Rs 1000. Minimum SIP investment is Rs 1000.
Bank of India Flexi Cap Fund Direct-Growth Returns
Trailing Returns
Rolling Returns
Discrete Period
SIP Returns
1M 3M 6M 1Y 3Y 5Y Annualized Returns 7.13 4.78 -6.64 4.81 25.63 - Category Avg 7.96 6.24 -1.46 9.91 19.27 23.31 Rank within Category 80 81 86 78 9 - No. of funds within Category 104 101 99 90 70 52 - Loading...
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Return Comparison
- This Fund
- BenchmarkBSE 500 Total Return Index
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- 3M
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Bank of India Flexi Cap Fund Direct-Growth Fund Details
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 House | Bank of India Mutual Fund |
| Launch Date | Jun 29, 2020 |
| Benchmark | BSE 500 Total Return Index |
| Return Since Launch | 29.24% |
| Riskometer | Very High |
| Type | Open-ended |
| Risk Grade | Above Average |
| Return Grade | High |
Bank of India Flexi Cap Fund Direct-Growth Investment Details
| Minimum Investment (Rs.) | 5,000.00 |
| Minimum Additional Investment (Rs.) | 1,000.00 |
| Minimum SIP Investment (Rs.) | 1,000.00 |
| Minimum Withdrawal (Rs.) | 1,000.00 |
| Exit Load Exit load of 1%, if redeemed within 3 months. | |
Portfolio Allocation
Asset Allocation
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Asset Allocation History
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EquityDebtCash
Sector Allocation
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Market Cap Allocation
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Concentration & Valuation Analysis
| APR 2025 | MAR 2025 | FEB 2025 | JAN 2025 | DEC 2024 | NOV 2024 | |
|---|---|---|---|---|---|---|
| Number of Holdings | 60 | 59 | 61 | 62 | 64 | 75 |
| Top 5 Company Holdings | 22.15% | 22.61% | 21.72% | 20.53% | 20.91% | 18.63% |
| Top 10 Company Holdings | 37.24% | 36.9% | 33.84% | 33.64% | 33.55% | 28.63% |
| Company with Highest Exposure | State Bank of India (5.21%) | State Bank of India (5.15%) | HDFC Bank (5.09%) | State Bank of India (4.91%) | HDFC Bank (5.5%) | HDFC Bank (5.7%) |
| Number of Sectors | 15 | 14 | 14 | 14 | 14 | 15 |
| Top 3 Sector Holdings | 49.22% | 48.6% | 46.52% | 46.66% | 45.44% | 42.88% |
| Top 5 Sector Holdings | 63.74% | 66.34% | 63.26% | 62.97% | 60.53% | 57.88% |
| Sector with Highest Exposure | Financial (26.67%) | Financial (25.36%) | Financial (22.98%) | Financial (23.06%) | Financial (22.21%) | Financial (24.24%) |
Top Stock Holdings
Sector Holdings in MF
Company Sector Assest(%) P/E EPS-TTM(₹) RETURN 1 YR(%) HDFC Bank Financial 5.64 20.87 92.51 34.49 Vedanta Metals & Mining 3.86 11.39 38.33 5.31 State Bank of India Financial 3.38 9.23 86.91 -0.88 Kotak Mahindra Bank Financial 2.21 18.96 111.29 30.70 NTPC Energy 2.18 15.18 22.67 -0.67 General Insurance Corporation of India Insurance 2.15 - - - Hindustan Aero Capital Goods 2.0 35.62 130.03 13.21 Reliance Industries Energy 1.92 26.47 53.84 2.41 Nuvama Wealth Management Financial 1.83 24.94 253.38 18.37 Netweb Technologies India Technology 1.83 - - -
Peer Comparison
Cumulative Returns
SIP returns
Discrete Returns
Quant Measures
Asset Allocation
Scheme Name NAV(Rs./Unit) Scheme Rating AUM(Rs. Cr) 1M 1Y 3Y 5Y Bank of India Flexi Cap Fund Direct-Growth 34.88 1,981.91 7.13 4.81 25.63 - JM Flexicap Fund Direct Plan-Growth 108.01 5,625.21 6.55 6.59 28.85 30.12 ICICI Prudential India Equity FOF Direct - Growth 30.21 168.32 5.68 10.86 22.15 31.01 HDFC Retirement Savings Fund Equity Plan Direct-Growth 56.23 6,244.00 8.31 13.52 24.65 31.31 HDFC Focused 30 Fund Direct-Growth 253.98 18,559.82 6.98 19.73 28.29 33.69
Risk Ratios
Ratios are calculated using the calendar month returns for the last 3 years
Standard Deviation
Standard Deviation
Standard deviation is the deviation of the fund's return around mean.
High Volatality
18.31VS14.35Fund Vs Category Avg
Beta
Beta
Beta shows the portfolio risk in relation to the market. A beta of less than 1 means that the fund returns are less volatile compared to the broader market. A beta of more than 1 means that the fund returns are more volatile than the broader markets. A beta equal to 1 means that fund's volatility is in line with the broader market.
High Volatality
1.13VS0.92Fund Vs Category Avg
Sharpe Ratio
Sharpe Ratio
Sharpe ratio is a risk adjusted performance measure. A fund with a higher Sharpe ratio is considered better than a fund with a lower Sharpe ratio.
Better risk-adjusted returns
0.74VS0.71Fund Vs Category Avg
Treynor's Ratio
Treynor's Ratio
Treynor is a risk adjusted performance measure. A fund with a higher Treynor ratio is considered better than a fund with a lower Treynor ratio.
Better risk-adjusted returns
12.02VS11.08Fund Vs Category Avg
Jensen's Alpha
Jensen's Alpha
Alpha shows the ability of the fund manager to outperform the market. A higher Alpha is preferred.
Better risk-adjusted returns
3.40VS1.75Fund Vs Category Avg
Mean Return
Mean Return
Average return generated by the fund during a specified period.
Better average monthly returns
19.82VS16.25Fund Vs Category Avg
Risk Ratio Chart
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- Risk Ratio
- Category Average
Size of Bubbles represents the Fund Size
Fund Manager
- A.S.Alok SinghSince Jun 20208 schemes
Mr. 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
Scheme Name Category Nav(Rs./Unit) Scheme Rating Asset(Rs. Cr) 1Y Bank of India Small Cap Fund Direct-Growth Small Cap 48.11 1,638.51 8.80 Bank of India Mid & Small Cap Equity & Debt Fund Direct-Growth Aggressive Hybrid 39.23 1,095.18 8.14 Bank of India Bluechip Fund Direct-Growth Large Cap 16.10 189.11 3.39 Bank of India ELSS Tax Saver Direct-Growth ELSS 178.61 1,323.87 1.14 Bank of India Conservative Hybrid Fund Direct-Growth Conservative Hybrid 35.55 68.13 4.93 Bank of India Balanced Advantage Fund Direct-Growth Dynamic Asset Allocation 26.31 134.23 5.73 Bank of India Credit Risk Fund Direct-Growth Credit Risk 12.39 109.76 5.84 Bank of India Business Cycle Fund Direct-Growth Thematic 8.87 Unrated 533.91 -
More Bank of India Mutual Fund
| Scheme Name | Rating | Asset Size(Cr) | 1M | 3M | 6M | 1Y | 3Y |
|---|---|---|---|---|---|---|---|
| Bank of India Flexi Cap Fund Direct-Growth | 1,786.77 | -6.51 | -19.82 | -17.13 | 0.15 | 18.45 | |
| Bank of India Liquid Fund Direct-Growth | 1,740.74 | 0.52 | 1.73 | 3.54 | 7.36 | 6.74 | |
| Bank of India Small Cap Fund Direct-Growth | 1,389.85 | -7.61 | -22.67 | -19.71 | 5.64 | 18.44 | |
| Bank of India ELSS Tax Saver Direct-Growth | 1,182.15 | -6.55 | -20.37 | -17.40 | -6.26 | 16.09 | |
| Bank of India Mid & Small Cap Equity & Debt Fund Direct-Growth | 974.20 | -6.41 | -17.36 | -14.75 | 1.89 | 15.80 | |
| Bank of India Multi Cap Fund Direct-Growth | 695.25 | -5.83 | -16.12 | -15.72 | 1.61 | - | |
| Bank of India Business Cycle Fund Direct-Growth | 472.19 | -7.16 | -22.99 | -19.76 | - | - | |
| Bank of India Manufacturing & Infrastructure Direct-Growth | 462.95 | -6.41 | -17.87 | -18.34 | 1.63 | 21.92 | |
| Bank of India Consumption Fund Direct-Growth | 373.01 | -7.67 | - | - | - | - | |
| Bank of India Multi Asset Allocation Fund Direct-Growth | 339.19 | -3.11 | -7.38 | -4.60 | 4.12 | - |
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About Bank of India Flexi Cap Fund Direct-Growth
1. Bank of India Flexi Cap Fund - Direct Plan is Open-ended Flexi Cap Equity scheme which belongs to Bank of India Mutual Fund House.
2. The fund was launched on Jun 29, 2020.
Investment objective & Benchmark
1. The investment objective of the fund is that " The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity-related securities across various market capitalisation. "
2. It is benchmarked against BSE 500 Total Return Index.
Asset Allocation & Portfolio Composition
1. The asset allocation of the fund comprises around 99.16% in equities, 0.15% in debts and 0.69% in cash & cash equivalents.
2. While the top 10 equity holdings constitute around 27.0% of the assets, the top 3 sectors constitute around 48.6% of the assets.
3. The fund largely follows a Growth oriented style of investing and invests across market capitalisations - around 0.0% in giant & large cap companies, 0.0% in mid cap and 0.0% in small cap companies.
Tax Implications on Bank of India Flexi Cap Fund Direct-Growth
1. Gains are taxed at a rate of 15% (Short-term Capital Gain Tax - STCG) if units are redeemed within 1 year of investment.
2. For units redeemed after 1 year of investment, gains of upto Rs. 1 lakh accruing from those units in a financial year shall be exempted from tax.
3. Gains of more than Rs. 1 lakh will be taxed at a rate of 10% (Long-term Capital Gain Tax - LTCG).
4. For Dividend Distribution Tax, the dividend income from this fund will get added to the income of an investor and taxed according to his/her respective tax slabs.
5. Also, for dividend income in excess of Rs 5,000 in a financial year; the fund house shall deduct a TDS of 10% on such income.
1. Bank of India Flexi Cap Fund - Direct Plan is Open-ended Flexi Cap Equity scheme which belongs to Bank of India Mutual Fund House.
2. The fund was launched on Jun 29, 2020.
Investment objective & Benchmark
1. The investment objective of the fund is that " The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity-related securities across various market capitalisation. "
2. It is benchmarked against BSE 500 Total Return Index.
Asset Allocation & Portfolio Composition
1. The asset allocation of the fund comprises around 99.16% in equities, 0.15% in debts and 0.69% in cash & cash equivalents.
2. While the top 10 equity holdings constitute around 27.0% of the assets, the top 3 sectors constitute around 48.6% of the assets.
3. The fund largely follows a Growth oriented style of investing and invests across market capitalisations - around 0.0% in giant & large cap companies, 0.0% in mid cap and 0.0% in small cap companies.
Tax Implications on Bank of India Flexi Cap Fund Direct-Growth
1. Gains are taxed at a rate of 15% (Short-term Capital Gain Tax - STCG) if units are redeemed within 1 year of investment.
2. For units redeemed after 1 year of investment, gains of upto Rs. 1 lakh accruing from those units in a financial year shall be exempted from tax.
3. Gains of more than Rs. 1 lakh will be taxed at a rate of 10% (Long-term Capital Gain Tax - LTCG).
4. For Dividend Distribution Tax, the dividend income from this fund will get added to the income of an investor and taxed according to his/her respective tax slabs.
5. Also, for dividend income in excess of Rs 5,000 in a financial year; the fund house shall deduct a TDS of 10% on such income.
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FAQs about Bank of India Flexi Cap Fund Direct-Growth
- Is it safe to invest in Bank of India Flexi Cap Fund - Direct Plan?As per SEBI’s latest guidelines to calculate risk grades, investment in the Bank of India Flexi Cap Fund - Direct Plan comes under Very High risk category.
- What is the category of Bank of India Flexi Cap Fund - Direct Plan?Bank of India Flexi Cap Fund - Direct Plan belongs to the Equity : Flexi Cap category of funds.
- How Long should I Invest in Bank of India Flexi Cap Fund - Direct Plan?The suggested investment horizon of investing into Bank of India Flexi Cap Fund - Direct Plan is >3 years. The suggested investment horizon is the minimum time required for holding investments in the fund to reduce its downside risk and ensure that the returns become more predictable.
- Who manages the Bank of India Flexi Cap Fund - Direct Plan?The Bank of India Flexi Cap Fund - Direct Plan is managed by Alok Singh (Since Jun 10, 2020).
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