Bank of India Large & Mid Cap Fund
Bank of India Mutual Fund · Best Large & Mid Cap Mutual Funds
This is the Regular plan of Bank of India Large & Mid Cap Fund — bought through a distributor, whose commission is paid out of its expense ratio. Income is distributed quarterly, which is why this NAV sits below the growth plan of the same fund.
Performance
Scorecard
Not ratedHow this is computed
Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. Not rated — too few comparable Equity funds (same plan and option) to rank against yet.
Not enough Large & Mid Cap Fund peers to rank yet
Volatility 15.6% (no category average yet)
2.8% expense (no category average yet)
68% of rolling 3Y windows were positive
Strengths & concerns
Generated from this fund's own numbers against its sub-category — each point names the figure behind it.
Strengths
No standout strengths identified.
Concerns
- Positive in only 68% of rolling 3-year windows
Key Metrics
Scheme Info
DefinitionsPeriod returns (<1Y, absolute — not annualized)
DefinitionsAnnualized returns (≥1Y — CAGR)
DefinitionsAdvanced metrics — risk and benchmark ratios
Fund vs category average (Large & Mid Cap Fund)
| Period | Fund | Category avg. | Diff |
|---|---|---|---|
| 1M abs | -6.00% | — | — |
| 3M abs | -4.23% | — | — |
| 6M abs | +5.62% | — | — |
| 1Y CAGR | +2.19% | — | — |
| 3Y CAGR | +10.58% | — | — |
| 5Y CAGR | +9.88% | — | — |
Category average across peers in Large & Mid Cap Fund, same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).
Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.
Backtest this fund
What a SIP or one-time investment would have grown to over this fund’s real NAV history.
60 monthly installments of ₹10,000 into Bank of India Large & Mid Cap Fund, valued at the latest NAV. XIRR annualizes for each installment’s timing.
Calendar-year returns
What the fund actually returned in each year, not the smoothed average.
| Year | Fund | Nifty Midcap 150 TRI | Diff | |
|---|---|---|---|---|
| 2026part | -4.09% | -1.81% | -2.28% | |
| 2025 | +6.82% | +6.24% | +0.58% | |
| 2024 | +16.62% | +24.74% | -8.12% | |
| 2023 | +29.34% | +45.27% | -15.93% | |
| 2022 | +1.91% | +4.09% | -2.18% | |
| 2021 | +25.77% | +48.31% | -22.54% | |
| 2020 | +17.45% | +26.10% | -8.65% | |
| 2019 | +8.48% | — | — | |
| 2018 | -15.75% | — | — | |
| 2017 | +42.14% | — | — |
January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in; those years show no benchmark comparison.
Taxation
Taxed as equityThis is an equity-oriented fund (≥65% in Indian equities), so gains get the concessional capital-gains rates below — they do not add to your income-tax slab.
Flat, on the whole gain
On gains above ₹1.25 L per financial year
Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.
Asset allocation
As on 31 Aug 2026 · AMC disclosure- Equity96.94%
- Cash & Equivalents3.05%
- Debt0.01%
AMC Profile
Bank of India Mutual Fund is run by Bank of India Investment Managers, wholly owned by the bank since its former joint-venture partner AXA Investment Managers exited — the house was branded BOI AXA until then. It runs a compact equity, hybrid and debt line-up.
Fund Managers
NGNitin GosarStart date not disclosed
B.M.S and MS Finance (ICFAI, Dehradun)
More than 20 years of Research and Fund Management. His experience is given below: 1. Bank of India Investment Managers Private Limited (September 27, 2022 – present) 2. Invesco Asset Management (India) Private Ltd. (February 16, 2011 – September 26, 2022) 3. IFCI Financial Services Ltd. (May 18, 2009 - February 15, 2011)
Fund manager, benchmark and dealing terms from this scheme's SEBI-filed Scheme Information Document on AMFI. Each manager's qualifications and role are reconciled across every filing this fund house makes for them, including its Statement of Additional Information. Total AUM via AMFI.
Explore from here
Bank of India in the news
Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.
Mutual funds now offer nearly 2,000 schemes; passive funds account for one-third of the shelf
Cafemutual · 2d ago
Bank of India Short Term Fund Regular-IDCW Monthly
The Economic Times · 4d ago
BOI MF - Dollar Strength Challenges FPI flows into India outlook
Alice Blue · 6d ago
Daily Voice | Strong dollar may cap FPI flows into EMs, including India: Bank of India MF CIO
Moneycontrol.com · 6d ago
Bank of India Large & Mid Cap Fund
CNBC TV18 · 10d ago
Bank Of Baroda Shareholding Pattern – Promoters, FIIs & DIIs
Value Research · 13d ago
Bank of India MF CIO Alok Singh sees banks poised for a re-rating. Here’s what could trigger it
inkl · 16d ago
Glass Wall Systems raises $14M from anchors before India IPO
Dealroom · 27d ago
Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.
About Large & Mid Cap funds
Large & mid cap funds keep at least 35% each in large-cap and mid-cap stocks. They aim to blend the stability of big companies with the higher growth — and higher swings — of mid caps.
Frequently asked questions
What is the NAV of Bank of India Large & Mid Cap Fund?
As of 01 Oct 2026, the NAV of Bank of India Large & Mid Cap Fund is ₹32.13 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.
What returns has Bank of India Large & Mid Cap Fund delivered?
Bank of India Large & Mid Cap Fund has returned +2.19% over 1 year, +10.58% per year over 3 years, +9.88% per year over 5 years and +6.99% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.
What is the expense ratio of Bank of India Large & Mid Cap Fund?
Bank of India Large & Mid Cap Fund charges an expense ratio of 2.79% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.
What are the top holdings of Bank of India Large & Mid Cap Fund?
Bank of India Large & Mid Cap Fund's largest holdings are HDFC Bank Limited (7.5%), Reliance Industries Limited (6.3%), Dixon Technologies (India) Limited (4.4%), FSN E-Commerce Ventures Limited (4.3%) and Kotak Mahindra Bank Limited (3.7%). Holdings are disclosed monthly and change over time.
How risky is Bank of India Large & Mid Cap Fund?
Bank of India Large & Mid Cap Fund is rated very high on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 15.6% and its worst peak-to-trough fall in our sample was -51.0%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.
What does the Sharpe ratio of 0.26 mean?
The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. Bank of India Large & Mid Cap Fund's 0.26 means it has rewarded its volatility with excess return. Higher is better.
What is the benchmark of Bank of India Large & Mid Cap Fund?
Bank of India Large & Mid Cap Fund is benchmarked against the BSE 250 LargeMidCap (TRI). Its alpha and beta on this page are measured against that index.
Who manages Bank of India Large & Mid Cap Fund?
Bank of India Large & Mid Cap Fund is managed by Nitin Gosar at Bank of India.
How is Bank of India Large & Mid Cap Fund taxed?
Bank of India Large & Mid Cap Fund is an equity-oriented fund, so its capital gains get concessional rates: short-term gains (units held under 1 year) are taxed at 20%, and long-term gains (held 1 year or more) at 12.5% above a ₹1.25 lakh per-year exemption. These rates apply on redemption and don't add to your income-tax slab.