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Bank of India Mid & Small Cap Equity & Debt Fund

Q: What is the NAV of Bank of India Mid & Small Cap Equity & Debt Fund?

As of 21 Aug 2026, the NAV of Bank of India Mid & Small Cap Equity & Debt Fund is ₹43.13 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

Q: What returns has Bank of India Mid & Small Cap Equity & Debt Fund delivered?

Bank of India Mid & Small Cap Equity & Debt Fund has returned +13.50% over 1 year, +17.59% per year over 3 years, +14.92% per year over 5 years and +15.48% 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.

Q: What is the expense ratio of Bank of India Mid & Small Cap Equity & Debt Fund?

Bank of India Mid & Small Cap Equity & Debt Fund charges an expense ratio of 2.27% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

Q: What are the top holdings of Bank of India Mid & Small Cap Equity & Debt Fund?

Its largest holdings are Abbott India Ltd (2.3%), Aurobindo Pharma Ltd (2.2%), UNO Minda Ltd (2.1%), Bank of Maharashtra (2.1%) and Nippon Life India Asset Management Ltd (2.1%). Holdings are disclosed monthly and change over time.

Q: How risky is Bank of India Mid & Small Cap Equity & Debt Fund?

It is rated high on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 15.0% and its worst peak-to-trough fall in our sample was -37.8%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

Q: What does the Sharpe ratio of 0.74 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. Bank of India Mid & Small Cap Equity & Debt Fund's 0.74 means it has rewarded its volatility with excess return. Higher is better.

Q: What is the benchmark of Bank of India Mid & Small Cap Equity & Debt Fund?

Bank of India Mid & Small Cap Equity & Debt Fund is benchmarked against the Groww Equity Hybrid. Its alpha and beta on this page are measured against that index.

Q: Who manages Bank of India Mid & Small Cap Equity & Debt Fund?

Bank of India Mid & Small Cap Equity & Debt Fund is managed by Alok Singh at Bank of India.

Q: How is Bank of India Mid & Small Cap Equity & Debt Fund taxed?

Bank of India Mid & Small Cap Equity & Debt 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.

Bank of India Mutual Fund · Best Aggressive Hybrid Mutual Funds

This is the Regular plan of Bank of India Mid & Small Cap Equity & Debt Fund — bought through a distributor, whose commission is paid out of its expense ratio. Income is retained in the fund, so it shows up as NAV rather than as a payout.

NAV

₹43.13

+0.12% 1D

as of 21 Aug 2026

Compare SIP calculator

Performance

+13.47%CAGR

52-week rangePrev NAV ₹43.08

Latest ₹43.13

Low ₹35.41100th percentile of its 52-week rangeHigh ₹43.13

Scorecard

★★★★☆4/5 vs 29 of 28 Aggressive Hybrid Fund peers

Performance 60%
Risk 15%
Cost 10%
Downside 15%

How 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. The stars weight the same ground 60/15/10/15 (performance/risk/cost/downside) across every fund in the peer group. Ranked within Aggressive Hybrid Fund (same plan and option). 29 of the 28 Aggressive Hybrid Funds in this cohort carry the full record the stars need, so they are the ones ranked against.

PerformanceStrong

3Y CAGR +17.59% · ranks 1 of 28 Aggressive Hybrid Funds

RiskHigh

Volatility 15.0% vs 10.6% category avg

CostAverage

2.3% expense vs 2.3% category avg

ConsistencyHigh

94% 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

Ahead of the Aggressive Hybrid Fund average on 1M/3M/6M/1Y — 1Y by 10.90pp
3-year return (+17.59%) beats the Aggressive Hybrid Fund average (+11.22%)
5-year return (+14.92%) beats the Aggressive Hybrid Fund average (+10.26%)
Ranks #1 of 28 on 1-year return in its Aggressive Hybrid Fund cohort
Stronger risk-adjusted returns — Sharpe 0.74 vs 0.44 Aggressive Hybrid Fund average

Concerns

More volatile than its Aggressive Hybrid Fund peers (15.0% vs 10.6%)

Key Metrics

Annual fee charged by the fund, already deducted from NAV

Category 2.25%

Portfolio-weighted harmonic mean P/E across the fund's equity holdings

Category 23.54

Excess return per unit of total volatility (rf = 6.5%)

0.74

Category 0.44▲0.30

Scheme Info

Definitions

Plan

Regular · Growth

Period before units can be redeemed — 3 years for ELSS, none for most open-ended funds

Exit Load

Statutory levy on every mutual-fund purchase since 1 Jul 2020 (SEBI / Govt of India) — the same for every scheme

0.005%

SIP Inv.

Smallest recurring SIP instalment the scheme accepts

Smallest one-time (lumpsum) investment the scheme accepts

Benchmark

Start of our NAV history for this plan. Direct plans begin 1 Jan 2013, so this is the plan's inception — not necessarily the scheme's original launch date.

27 Jul 2016

Period returns (<1Y, absolute — not annualized)

Definitions

Absolute return over the last 1 month (not annualized)

+2.54%

Absolute return over the last 3 months (not annualized)

+6.55%

Absolute return over the last 6 months (not annualized)

+12.82%

Absolute return since 1 Jan of this year (not annualized)

+11.71%

Annualized returns (≥1Y — CAGR)

Definitions

1-year point-to-point return, annualized (CAGR)

+13.50%

3-year annualized return (CAGR)

+17.59%

5-year annualized return (CAGR)

+14.92%

10-year annualized return (CAGR)

+15.26%

Annualized return (CAGR) since the fund's inception

+15.48%

Advanced metrics — risk and benchmark ratios

Risk (trailing 3Y)

Definitions

Annualized standard deviation of daily returns

15.01%

Excess return per unit of total volatility (rf = 6.5%)

0.74

Excess return per unit of downside deviation — upside swings aren't penalized (rf = 6.5%)

0.99

Largest peak-to-trough decline over full history

-37.83%

Benchmark ratios (vs Nifty Smallcap 250 · 36 monthly returns)

Definitions

Jensen's alpha (annualized): return above what CAPM predicts for the fund's beta vs Nifty Smallcap 250

3.25%

Sensitivity to Nifty Smallcap 250 moves; 1 = moves with the index

0.70

How much of the fund's movement Nifty Smallcap 250 explains

92.3%

Excess return per unit of beta (market risk)

14.88

Active return over the benchmark per unit of tracking error

0.16

Annualized std dev of fund-minus-benchmark returns

7.93%

Fund's share of benchmark gains in up months (100 = matches index)

74.3%

Fund's share of benchmark losses in down months (lower is better)

53.0%

Computed vs the Nifty Smallcap 250 price index — the closest match to this fund's mandate. Needs ~3 years of history; a low R² means the fund tracks the index loosely.

Fund vs category average (Aggressive Hybrid Fund)

Period	Fund	Category avg.	Diff
1M abs	+2.54%	+1.24%	+1.30%
3M abs	+6.55%	+4.80%	+1.75%
6M abs	+12.82%	+1.73%	+11.09%
1Y CAGR	+13.50%	+2.60%	+10.90%
3Y CAGR	+17.59%	+11.22%	+6.37%
5Y CAGR	+14.92%	+10.26%	+4.66%

Category average across peers in Aggressive Hybrid Fund (up to 28 funds with data), 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.

Category rank

Vs 28 peers in Aggressive Hybrid Fund

1Y return🏆

+13.50%

Beats 100% · rank #1

3Y return🏆

+17.59%

Beats 100% · rank #1

5Y return

+14.92%

Beats 95.8% · rank #2

Sharpe

0.74

Beats 96.3% · rank #2

Sortino

0.99

Beats 96.3% · rank #2

Rolling returns

Return for every possible 1Y holding period, not just today’s

This fundNifty Smallcap 250

Average

+17.4%

Median

+13.5%

Best

+82.0%

Worst

-22.5%

Positive periods

71.6%

109 overlapping 1Y windows, sampled monthly across the fund’s history.

Backtest this fund

What a SIP or one-time investment would have grown to over this fund’s real NAV history.

Monthly investment (₹)

Period

Invested

₹6.00L

Current value

₹8.83L

Absolute

+47.11%

XIRR

+15.93%

Value vs. invested

60 monthly installments of ₹10,000 into Bank of India Mid & Small Cap Equity & Debt 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 Smallcap 250	Diff
2026part	+11.71%	+10.37%	+1.34%
2025	-0.92%	-6.01%	+5.09%
2024	+25.79%	+26.43%	-0.64%
2023	+33.71%	+48.10%	-14.39%
2022	-4.77%	-3.65%	-1.12%
2021	+54.48%	+61.94%	-7.46%
2020	+31.14%	+25.09%	+6.05%
2019	-4.68%	-8.27%	+3.59%
2018	-14.17%	-26.80%	+12.63%
2017	+47.09%	+57.28%	-10.19%

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.

History points

2,481

Expense ratio

AUM

Portfolio turnover

Exit load

P/E ratio

P/B ratio

Avg market cap

Taxation

Taxed as equity

This 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.

Short-term (STCG)

20%

Held under 1 year

Flat, on the whole gain

Long-term (LTCG)

12.5%

Held 1 year or more

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.

Peer comparison · Aggressive Hybrid Fund

Compare all


Bank of India Mid & Small Cap Equity & Debt FundThis fund Bank of India	★★★★☆	+13.50%	+17.59%	+14.92%	29.23	2.27%	₹1,841Cr
ICICI Prudential Equity & Debt Fund ICICI Prudential	★★★★★	+2.74%	+14.48%	+16.08%	—	1.57%	—
Bandhan Aggressive Hybrid Fund Bandhan	★★★☆☆	+7.97%	+14.46%	+11.40%	22.83	2.26%	₹1,976Cr
HSBC Aggressive Hybrid Fund HSBC	★★★★☆	+6.94%	+13.67%	—	33.62	1.95%	₹5,460Cr
Edelweiss Aggressive Hybrid Fund Edelweiss	★★★★☆	+3.25%	+13.20%	+12.91%	21.47	2.13%	₹3,643Cr
SBI Equity Hybrid Fund SBI	★★★★★	+5.56%	+13.10%	+10.74%	25.18	1.38%	₹79,290Cr

Market-cap allocation · AMFI bands, Jul 2026

Equity holdings by company size — 100% of the equity sleeve priced.

Large cap6.3%
Mid cap53.9%
Small cap39.8%

🚩Holdings under NSE surveillance (ASM)

4 holdings — 4.67% of the portfolio — sit in stocks NSE currently lists under its Additional Surveillance Measure. ASM is an exchange response to unusual price or volume activity (higher margins, and trade-for-trade settlement at stage II), not a view on the company or on this fund.

Sterlite Technologies LimitedLong-term · Stage IV1.83%
KRN Heat Exchanger and Refrigeration LimitedShort-term · Stage I1.05%
Turtlemint Fintech Solutions LimitedShort-term · Stage I0.92%
KSH International LimitedLong-term · Stage I0.87%

Source: NSE ASM list, matched to holdings by company name — a holding whose name differs from NSE's spelling may not be matched. BSE's separate list is not covered.

Worst falls, and the wait to get back

How far this fund has dropped from a high, and how long it took to reclaim it.

-37.8%15 Jan 2018 → 23 Mar 2020
Fell over 2.2 years, back to the old high on 16 Dec 2020 — 9 months under water after the low.
-21.8%17 Jan 2022 → 20 Jun 2022
Fell over 5 months, back to the old high on 11 Jul 2023 — 13 months under water after the low.
-20.2%11 Dec 2024 → 03 Mar 2025
Fell over 3 months, back to the old high on 27 Apr 2026 — 14 months under water after the low.

Measured on this fund’s own NAV history, peak to trough to the day it regained the peak. Falls shallower than 5% are left out. A recovery date is when the NAV got back, not when any particular investor did — that depends on when they bought.

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.

Run SIP calculator Add to compare

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 Aggressive Hybrid funds

Aggressive hybrid funds hold roughly 65–80% equity and the rest in debt. The bond sleeve cushions falls, making them a gentler entry into equities than a pure equity fund.

Frequently asked questions

What is the NAV of Bank of India Mid & Small Cap Equity & Debt Fund?

As of 21 Aug 2026, the NAV of Bank of India Mid & Small Cap Equity & Debt Fund is ₹43.13 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

What returns has Bank of India Mid & Small Cap Equity & Debt Fund delivered?

Bank of India Mid & Small Cap Equity & Debt Fund has returned +13.50% over 1 year, +17.59% per year over 3 years, +14.92% per year over 5 years and +15.48% 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 Mid & Small Cap Equity & Debt Fund?

Bank of India Mid & Small Cap Equity & Debt Fund charges an expense ratio of 2.27% 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 Mid & Small Cap Equity & Debt Fund?

Its largest holdings are Abbott India Ltd (2.3%), Aurobindo Pharma Ltd (2.2%), UNO Minda Ltd (2.1%), Bank of Maharashtra (2.1%) and Nippon Life India Asset Management Ltd (2.1%). Holdings are disclosed monthly and change over time.

How risky is Bank of India Mid & Small Cap Equity & Debt Fund?

It is rated high on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 15.0% and its worst peak-to-trough fall in our sample was -37.8%. 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 0.74 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. Bank of India Mid & Small Cap Equity & Debt Fund's 0.74 means it has rewarded its volatility with excess return. Higher is better.

What is the benchmark of Bank of India Mid & Small Cap Equity & Debt Fund?

Bank of India Mid & Small Cap Equity & Debt Fund is benchmarked against the Groww Equity Hybrid. Its alpha and beta on this page are measured against that index.

Who manages Bank of India Mid & Small Cap Equity & Debt Fund?

Bank of India Mid & Small Cap Equity & Debt Fund is managed by Alok Singh at Bank of India.

How is Bank of India Mid & Small Cap Equity & Debt Fund taxed?

Bank of India Mid & Small Cap Equity & Debt 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.