Bank of India Flexi Cap Fund

Q: What are the returns of this mutual fund scheme?

The Bank of India Flexi Cap Fund is a 5 yrs 4 m old fund and has delivered average annual returns of 26.93% since inception. Bank of India Flexi Cap Fund Returns 1-Year 3-Year 5-Year Since Inception 3.75% 22.29% 25.28% 26.93%

Q: How much does this mutual fund charge as expense ratio?

The Bank of India Flexi Cap Fund has an expense ratio of 1.98% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹35.64+0.76% 1 day change	26.93% p.a.	App exclusive #NA View Ranked Funds	₹2,165 Cr

Historical NAV & returns

NAV: ₹35.64 as on Oct 20, 2025

This fund Category average

Bank of India Flexi Cap Fund overview

AUM (Fund size)	₹2,165 Cr
Exit load	1.0% Exit load of 1%, if redeemed within 3 months.!
Lock-in Period	Nil
Age	5 yrs 4 m since Jun 10, 2020
Benchmark	BSE 500 TRI
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	1.98% as on Sep 30, 2025
Plan type	Regular
Risk	Very High
Short term capital gains (STCG)	Returns taxed at 20% if you redeem before 1 year
Long term capital gains (LTCG)	After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%

Bank of India Flexi Cap Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Oct 17, 2025

Period	This fund	Category average
1 Month	2.17%	2.42%
3 Months	4.26%	3.18%
6 Months	12.72%	9.58%
1 Year	3.75%	5.26%
2 Years	25.24%	19.91%
3 Years	22.29%	17.23%
4 Years	16.44%	12.61%
5 Years	25.28%	20.68%

View returns in detail

Asset allocationas on Sep 30, 2025

Large Cap 47.95%

Mid Cap 19.49%

Small Cap 29.93%

Other Cap 0%

Top holdings

State Bank of India5.28%

Vedanta Ltd.4.61%

Hindustan Aeronautics Ltd.3.73%

ICICI Bank Ltd.3.67%

Top sectors

Financial 25.32%

Capital Goods 12.919999999999998%

Metals & Mining 9.86%

Energy 7.43%

Credit quality

Bifurcation by Credit Quality is not available for this fund

Top Debt Holdings

National Bank For Agriculture & Rural Development 0.22%

Reserve Bank of India 0.14%

Allocation by Instruments

Repo 2.44%

Certificate of Deposit 0.22%

Treasury Bills 0.14%

Other Holdings

Others 2.44%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bank of India Flexi Cap Fund	2.17%	12.72%	3.75%	22.29%	25.28%	N.A.
HDFC Flexi Cap Fund	2.38%	9.29%	10.8%	22.87%	29.18%	16.18%
JM Flexicap Fund	1.25%	5.81%	-2.43%	22.71%	25.86%	16.81%
Parag Parikh Flexi Cap Fund	2.27%	8.87%	9.93%	21.3%	22.5%	17.78%
Franklin India Flexi Cap Fund	2.9%	6.92%	4.41%	18.59%	24.14%	14.05%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bank of India Flexi Cap Fund	16.99	1.15	0.88	1.27
HDFC Flexi Cap Fund	10.92	0.8	1.42	2.36
JM Flexicap Fund	14.74	1.02	1.04	1.41
Parag Parikh Flexi Cap Fund	8.5	0.57	1.63	2.35
Franklin India Flexi Cap Fund	12.52	0.93	0.92	1.37

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bank of India Flexi Cap Fund	N.A.	2,165 Cr	5 yrs 4 m	1.98%
HDFC Flexi Cap Fund	N.A.	85,560 Cr	30 yrs 10 m	1.37%
JM Flexicap Fund	N.A.	5,990 Cr	17 yrs 2 m	1.79%
Parag Parikh Flexi Cap Fund	N.A.	1,19,723 Cr	12 yrs 5 m	1.28%
Franklin India Flexi Cap Fund	N.A.	18,912 Cr	31 yrs 1 m	1.69%

View all Flexi Cap funds

Key risk & return ratios Compared to other funds in the category

Alpha	3.84 vs. 4.14 Underperformed at beating benchmark
Sharpe	0.88 vs. 5.12 Poor risk-adjusted returns
Beta	1.15 vs. 0.73 More sensitive to market's ups & downs
Standard deviation	16.99 vs. 10.0 More volatile performance

Compare Bank of India Flexi Cap Fund in detail with

About this fund

About Bank of India Flexi Cap Fund

Bank of India Flexi Cap Fund is a Flexi Cap mutual fund scheme from Bank Of India Mutual Fund. This fund has been in existence for 5 yrs 4 m, having been launched on 10/06/2020. Bank of India Flexi Cap Fund has ₹2,165 Crores worth of assets under management (AUM) as on 30/09/2025 and is small fund of its category. The latest Net Asset Value (NAV) of Bank of India Flexi Cap Fund as of 20/10/2025 is ₹35.64. The fund has an expense ratio of 1.98%, which is higher than what most other Flexi Cap funds charge.

Bank of India Flexi Cap Fund returns of last 1-year are -1.75%. Since launch, it has delivered 27.03% average annual returns. The fund has doubled the money invested in it every 4 yrs.
Bank of India Flexi Cap Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is average.
The fund has the majority of its money invested in Financial, Capital Goods, Metals & Mining, Energy, Consumer Staples sectors. It has taken less exposure in Financial, Capital Goods sectors compared to other funds in the category.
The fund's top 5 holdings are in State Bank of India, Vedanta Ltd., Hindustan Aeronautics Ltd., ICICI Bank Ltd., Quality Power Electrical Equipments Ltd..

...

Fund AUM	2,165 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Alok Singh

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

Investment objective

The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity-related securities across various market capitalisation.

Bank of India Mutual Fund details

No. of schemes	21 view all schemes
Total AUM	13,428 Cr as on Sep 30, 2025
Address	B/204-Tower 1, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai, 400013
Email	service@boiaxa-im.com

More funds from Bank of India Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
Bank of India Manufacturing & Infrastructure Fund	N.A.	621 Cr	7.06%	29.0%
Bank of India Small Cap Fund	N.A.	1,925 Cr	-0.26%	28.02%
Bank of India ELSS Tax Saver Fund	N.A.	1,375 Cr	-1.1%	21.17%
Bank of India Large & Mid Cap Fund	N.A.	414 Cr	5.04%	20.39%
Bank of India Multi Cap Fund	N.A.	909 Cr	7.27%	N.A.

See all Equity funds from this AMC

Frequently asked questions

What is the current NAV of Bank of India Flexi Cap Fund?

The current Net Asset Value (NAV) of the Bank of India Flexi Cap Fund plan is approximately ₹35.64 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The Bank of India Flexi Cap Fund is a 5 yrs 4 m old fund and has delivered average annual returns of 26.93% since inception.

Bank of India Flexi Cap Fund Returns

1-Year	3-Year	5-Year	Since Inception
3.75%	22.29%	25.28%	26.93%

How much does this mutual fund charge as expense ratio?

The Bank of India Flexi Cap Fund has an expense ratio of 1.98%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The Bank of India Flexi Cap Fund currently has assets under management (AUM) or fund size valued at approximately 2,165 Cr as on Sep 30, 2025.

What are the top stock holdings of Bank of India Flexi Cap Fund?

The Bank of India Flexi Cap Fund has invested the majority of its money in the stocks of the following companies -

Company	Percentage of Portfolio
State Bank of India	5.28%
Vedanta Ltd.	4.61%
Hindustan Aeronautics Ltd.	3.73%
ICICI Bank Ltd.	3.67%
Quality Power Electrical Equipments Ltd.	3.36%
Lloyds Metals & Energy Ltd.	3.28%
Netweb Technologies India Ltd.	3.2%
ITC Ltd.	3.19%
Bharti Airtel Ltd.	3.14%
CreditAccess Grameen Ltd.	2.99%

What are the top sectors Bank of India Flexi Cap Fund has invested in?

The Bank of India Flexi Cap Fund has primarily invested in the following sectors

Sector	Percentage of Portfolio
Financial	25.32%
Capital Goods	12.919999999999998%
Metals & Mining	9.86%
Energy	7.43%
Consumer Staples	6.89%
Technology	6.51%
Automobile	5.67%
Healthcare	4.27%
Services	3.78%
Construction	3.5%

What is risk level of Bank of India Flexi Cap Fund?

This is a Flexi Cap fund comes with Very High risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How can I redeem my investments in Bank of India Flexi Cap Fund?

Redeeming your investments in the Bank of India Flexi Cap Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Flexi Cap

#NA

Return Consistency: This fund is one of the best in generating consistent return in it's category.
Return Outperformance: This fund has generated highest return amongst Flexi Cap funds in the last 5 Years.
Chance: This fund has generated a 24.89% annual return in 70% of times for investors holding for at least 5 years.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load of 1%, if redeemed within 3 months.