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

The Bank of India Mid & Small Cap Equity & Debt Fund is a 9 yrs 3 m old fund and has delivered average annual returns of 15.27% since inception. Bank of India Mid & Small Cap Equity & Debt Fund Returns 1-Year 3-Year 5-Year Since Inception -4.67% 18.48% 21.98% 15.27%

Question 1

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

Accepted Answer

The current Net Asset Value (NAV) of the Bank of India Mid & Small Cap Equity & Debt Fund plan is approximately ₹37.37 as of Sep 29, 2025.

Question 2

What are the returns of this mutual fund scheme?

Accepted Answer

The Bank of India Mid & Small Cap Equity & Debt Fund is a 9 yrs 3 m old fund and has delivered average annual returns of 15.27% since inception.

Bank of India Mid & Small Cap Equity & Debt Fund Returns

1-Year	3-Year	5-Year	Since Inception
-4.67%	18.48%	21.98%	15.27%

Question 3

How much does this mutual fund charge as expense ratio?

Accepted Answer

The Bank of India Mid & Small Cap Equity & Debt Fund has an expense ratio of 2.15%, 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.

Question 4

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

Accepted Answer

The Bank of India Mid & Small Cap Equity & Debt Fund currently has assets under management (AUM) or fund size valued at approximately 1,253 Cr as on Aug 31, 2025.

Question 5

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

Accepted Answer

The Bank of India Mid & Small Cap Equity & Debt Fund's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
Coforge Ltd.	3.63%
Jindal Stainless Ltd.	3.45%
UNO Minda Ltd.	2.79%
Housing & Urban Development Corporation Ltd.	2.58%
Glenmark Pharmaceuticals Ltd.	2.3%
Lloyds Metals & Energy Ltd.	2.28%
PB Fintech Ltd.	2.26%
JK Cement Ltd.	2.11%
Bharat Dynamics Ltd.	2.06%
Eris Lifesciences Ltd.	1.98%

Question 6

What are the top sectors Bank of India Mid & Small Cap Equity & Debt Fund has invested in?

Accepted Answer

The Bank of India Mid & Small Cap Equity & Debt Fund's equity portion is primarily invested in the following sectors -

Company	Percentage of Portfolio
Coforge Ltd.	3.63%
Jindal Stainless Ltd.	3.45%
UNO Minda Ltd.	2.79%
Housing & Urban Development Corporation Ltd.	2.58%
Glenmark Pharmaceuticals Ltd.	2.3%
Lloyds Metals & Energy Ltd.	2.28%
PB Fintech Ltd.	2.26%
JK Cement Ltd.	2.11%
Bharat Dynamics Ltd.	2.06%
Eris Lifesciences Ltd.	1.98%

Question 7

To whom does Bank of India Mid & Small Cap Equity & Debt Fund lend to?

Accepted Answer

The top 3 debt holdings of Bank of India Mid & Small Cap Equity & Debt Fund are as follows

Holding Name	Percentage of Portfolio
Indian Railway Finance Corporation Ltd.	2.52%
GOI	2.47%
Canara Bank	1.96%

Question 8

What is the quality of borrowers this mutual fund scheme lends to?

Accepted Answer

The credit rating of the instruments in which the fund invests represents the quality of the borrower. The Bank of India Mid & Small Cap Equity & Debt Fund's debt portion's allocation by credit quality is given below

Holding Name	Percentage of Portfolio
Indian Railway Finance Corporation Ltd.	2.52%
GOI	2.47%
Canara Bank	1.96%

Question 9

What is risk level of Bank of India Mid & Small Cap Equity & Debt Fund?

Accepted Answer

This is a Aggressive Hybrid fund comes with Very High risk.

Question 10

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

Accepted Answer

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

Question 11

How can I redeem my investments in Bank of India Mid & Small Cap Equity & Debt Fund?

Accepted Answer

Redeeming your investments in the Bank of India Mid & Small Cap Equity & Debt 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.

AUM (Fund size)	₹1,253 Cr
Exit load	1.0% Exit load of 1%, if redeemed within 3 months.!
Lock-in Period	Nil
Age	9 yrs 3 m since Jun 29, 2016
Benchmark	NA
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	2.15% as on Aug 31, 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%

Period	This fund	Category average
1 Month	-0.35%	0.33%
3 Months	-3.81%	-1.83%
6 Months	7.32%	6.47%
1 Year	-4.67%	-1.75%
2 Years	14.93%	14.37%
3 Years	18.48%	14.79%
4 Years	13.33%	10.83%
5 Years	21.98%	17.5%
7 Years	16.91%	13.03%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bank of India Mid & Small Cap Equity & Debt Fund	-0.35%	7.32%	-4.67%	18.48%	21.98%	N.A.
ICICI Prudential Equity & Debt Fund	0.89%	7.72%	2.07%	20.01%	25.92%	15.93%
Edelweiss Aggressive Hybrid Fund	0.11%	5.7%	-1.24%	17.37%	19.78%	12.4%
Mahindra Manulife Aggressive Hybrid Fund	-0.43%	6.5%	-1.07%	17.03%	19.69%	10.43%
UTI Aggressive Hybrid Fund	0.19%	4.53%	-3.29%	16.45%	19.76%	12.15%
Franklin India Aggressive Hybrid Fund	-0.36%	4.53%	-1.24%	14.7%	17.93%	11.43%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bank of India Mid & Small Cap Equity & Debt Fund	14.01	1.04	0.83	1.09
ICICI Prudential Equity & Debt Fund	9.33	0.78	1.23	2.16
Edelweiss Aggressive Hybrid Fund	9.86	0.86	0.96	1.5
Mahindra Manulife Aggressive Hybrid Fund	10.3	0.91	0.88	1.45
UTI Aggressive Hybrid Fund	9.66	0.85	0.87	1.47
Franklin India Aggressive Hybrid Fund	8.97	0.78	0.83	1.23

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bank of India Mid & Small Cap Equity & Debt Fund	N.A.	1,253 Cr	9 yrs 3 m	2.15%
ICICI Prudential Equity & Debt Fund	N.A.	45,168 Cr	26 yrs	1.56%
Edelweiss Aggressive Hybrid Fund	N.A.	3,045 Cr	16 yrs 1 m	1.87%
Mahindra Manulife Aggressive Hybrid Fund	N.A.	1,837 Cr	6 yrs 3 m	2.02%
UTI Aggressive Hybrid Fund	N.A.	6,302 Cr	30 yrs 8 m	1.87%
Franklin India Aggressive Hybrid Fund	N.A.	2,187 Cr	25 yrs 10 m	2.05%

Bank of India Mid & Small Cap Equity & Debt Fund

Historical NAV & returns

Bank of India Mid & Small Cap Equity & Debt Fund overview

Bank of India Mid & Small Cap Equity & Debt Fund Returns calculator

Trailing returns as on Sep 30, 2025

Asset allocationas on Aug 31, 2025

Peer comparison

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

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About this fund

About Bank of India Mid & Small Cap Equity & Debt Fund

Fund managers

Investment objective

Bank of India Mutual Fund details

More funds from Bank of India Mutual Fund

Frequently asked questions

Bank of India Mid & Small Cap Equity & Debt Fund Returns

ET Money rank

Alpha	4.62 vs. 5.39 Underperformed at beating benchmark
Sharpe	0.83 vs. 4.76 Poor risk-adjusted returns
Beta	1.04 vs. 0.97 More sensitive to market's ups & downs
Standard deviation	14.01 vs. 10.12 More volatile performance

Fund AUM	1,253 Cr as on Aug 31, 2025
Scheme document	View Scheme Document

No. of schemes	21 view all schemes
Total AUM	12,458 Cr as on Jun 30, 2025
Address	B/204-Tower 1, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai, 400013
Email	service@boiaxa-im.com

Fund name	ETM Rank	AUM	1Y	5Y
Bank of India Balanced Advantage Fund	N.A.	139 Cr	-3.74%	10.98%
Bank of India Conservative Hybrid Fund	N.A.	67 Cr	2.35%	10.89%
Bank of India Arbitrage Fund	N.A.	46 Cr	6.07%	4.63%

Sector	Percentage of Portfolio
Financial	11.18%
Capital Goods	10.49%
Metals & Mining	10.15%
Healthcare	8.11%
Services	5.31%
Technology	5.18%
Consumer Staples	4.95%
Automobile	4.55%
Chemicals	3.2800000000000002%
Materials	2.11%

Credit Quality	Percentage of Portfolio
AAA	11.58%
A1+	10.51%
Cash & Call Money	5.27%