Bank of India Small Cap Fund

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

The Bank of India Small Cap Fund is a 7 yrs 2 m old fund and has delivered average annual returns of 22.32% since inception. Bank of India Small Cap Fund Returns 1-Year 3-Year 5-Year Since Inception -3.12% 16.86% 20.14% 22.32%

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

The Bank of India Small Cap Fund has an expense ratio of 2.02% , 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 Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹41.94-0.85% 1 day change	22.32% p.a.	App exclusive #NA View Ranked Funds	₹1,939 Cr

Historical NAV & returns

NAV: ₹41.94 as on Feb 02, 2026

This fund Category average

Bank of India Small Cap Fund overview

AUM (Fund size)	₹1,939 Cr
Exit load	1.0% Exit load of 1% if redeemed within 1 year for units beyond 10% of the investment.!
Lock-in Period	Nil
Age	7 yrs 2 m since Nov 28, 2018
Benchmark	NIFTY Smallcap 250 TRI
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	2.02% as on Feb 02, 2026
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 Small 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 Feb 03, 2026

Period	This fund	Category average
1 Month	-7.5%	-6.85%
3 Months	-11.95%	-9.89%
6 Months	-10.02%	-7.68%
1 Year	-3.12%	-1.32%
2 Years	3.46%	3.92%
3 Years	16.86%	16.42%
4 Years	11.53%	11.19%
5 Years	20.14%	18.36%
7 Years	22.92%	17.57%

View returns in detail

Asset allocationas on Dec 31, 2025

Large Cap 4.14%

Mid Cap 18.46%

Small Cap 72.32%

Other Cap 0%

Top holdings

Wockhardt Ltd.3.28%

Indian Bank3.11%

CreditAccess Grameen Ltd.2.99%

Lloyds Metals & Energy Ltd.2.9%

Top sectors

Financial 17.11%

Capital Goods 15.160000000000002%

Healthcare 12.79%

Consumer Staples 7.649999999999999%

Credit quality

Bifurcation by Credit Quality is not available for this fund

Top Debt Holdings

Bank Of Baroda 1.22%

Small Industries Devp. Bank of India Ltd. 1.21%

Union Bank of India 0.64%

Kotak Mahindra Bank Ltd. 0.38%

Allocation by Instruments

Certificate of Deposit 3.45%

Repo 1.43%

Treasury Bills 0.15%

Net Receivables 0.05%

Other Holdings

Others 0.05%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bank of India Small Cap Fund	-7.5%	-10.02%	-3.12%	16.86%	20.14%	N.A.
Nippon India Small Cap Fund	-6.13%	-6.79%	0.64%	20.02%	24.49%	20.47%
Bandhan Small Cap Fund	-6.95%	-5.33%	3.83%	28.37%	23.1%	15.96%
Invesco India Smallcap Fund	-7.53%	-5.7%	1.58%	22.16%	22.21%	14.53%
Tata Small Cap Fund	-7.45%	-15.05%	-7.57%	13.88%	20.43%	13.1%
Edelweiss Small Cap Fund	-6.21%	-4.55%	0.66%	18.27%	21.16%	15.42%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bank of India Small Cap Fund	18.27	0.9	0.64	0.85
Nippon India Small Cap Fund	16.81	0.85	0.82	1.18
Bandhan Small Cap Fund	18.25	0.92	1.14	1.83
Invesco India Smallcap Fund	16.88	0.82	0.92	1.13
Tata Small Cap Fund	16.8	0.81	0.49	0.71
Edelweiss Small Cap Fund	16.09	0.81	0.78	1.11

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bank of India Small Cap Fund	N.A.	1,939 Cr	7 yrs 2 m	2.02%
Nippon India Small Cap Fund	N.A.	68,287 Cr	15 yrs 5 m	1.41%
Bandhan Small Cap Fund	N.A.	18,990 Cr	6 yrs	1.63%
Invesco India Smallcap Fund	N.A.	9,225 Cr	7 yrs 3 m	1.71%
Tata Small Cap Fund	N.A.	11,324 Cr	7 yrs 3 m	1.69%
Edelweiss Small Cap Fund	N.A.	5,459 Cr	7 yrs	1.82%

View all Small Cap funds

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

Alpha	0.01 vs. 4.89 Underperformed at beating benchmark
Sharpe	0.64 vs. 5.4 Poor risk-adjusted returns
Beta	0.9 vs. 0.67 More sensitive to market's ups & downs
Standard deviation	18.27 vs. 12.32 More volatile performance

Compare Bank of India Small Cap Fund in detail with

About this fund

About Bank of India Small Cap Fund

Bank of India Small Cap Fund is a Small Cap mutual fund scheme from Bank Of India Mutual Fund. This fund has been in existence for 7 yrs 2 m, having been launched on 28/11/2018. Bank of India Small Cap Fund has ₹1,939 Crores worth of assets under management (AUM) as on 31/12/2025 and is small fund of its category. The latest Net Asset Value (NAV) of Bank of India Small Cap Fund as of 02/02/2026 is ₹41.94. The fund has an expense ratio of 2.02%, which is higher than what most other Small Cap funds charge.

Bank of India Small Cap Fund returns of last 1-year are -4.51%. Since launch, it has delivered 22.33% average annual returns. The fund has doubled the money invested in it every 5 yrs.
Bank of India Small 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 below average.
The fund has the majority of its money invested in Financial, Capital Goods, Healthcare, Consumer Staples, Automobile 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 Wockhardt Ltd., Indian Bank, CreditAccess Grameen Ltd., Lloyds Metals & Energy Ltd., Acutaas Chemicals Ltd..

...

Fund AUM	1,939 Cr as on Dec 31, 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 of small cap companies.

Bank of India Mutual Fund details

No. of schemes	21 view all schemes
Total AUM	13,871 Cr as on Dec 31, 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.	674 Cr	11.51%	22.79%
Bank of India Flexi Cap Fund	N.A.	2,244 Cr	6.82%	19.05%
Bank of India ELSS Tax Saver Fund	N.A.	1,402 Cr	4.73%	15.54%
Bank of India Large & Mid Cap Fund	N.A.	456 Cr	9.28%	15.3%
Bank of India Multi Cap Fund	N.A.	1,013 Cr	9.35%	N.A.

See all Equity funds from this AMC

Frequently asked questions

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

The current Net Asset Value (NAV) of the Bank of India Small Cap Fund plan is approximately ₹41.94 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The Bank of India Small Cap Fund is a 7 yrs 2 m old fund and has delivered average annual returns of 22.32% since inception.

Bank of India Small Cap Fund Returns

1-Year	3-Year	5-Year	Since Inception
-3.12%	16.86%	20.14%	22.32%

How much does this mutual fund charge as expense ratio?

The Bank of India Small Cap Fund has an expense ratio of 2.02%, 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 Small Cap Fund currently has assets under management (AUM) or fund size valued at approximately 1,939 Cr as on Dec 31, 2025.

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

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

Company	Percentage of Portfolio
Wockhardt Ltd.	3.28%
Indian Bank	3.11%
CreditAccess Grameen Ltd.	2.99%
Lloyds Metals & Energy Ltd.	2.9%
Acutaas Chemicals Ltd.	2.71%
Fiem Industries Ltd.	2.49%
TD Power Systems Ltd.	2.44%
Housing & Urban Development Corporation Ltd.	2.35%
Sky Gold And Diamonds Ltd.	2.31%
City Union Bank Ltd.	2.23%

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

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

Sector	Percentage of Portfolio
Financial	17.11%
Capital Goods	15.160000000000002%
Healthcare	12.79%
Consumer Staples	7.649999999999999%
Automobile	6.69%
Metals & Mining	6.619999999999999%
Services	4.27%
Materials	3.73%
Chemicals	3.68%
Textiles	3.64%

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

This is a Small 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 Small Cap Fund?

Redeeming your investments in the Bank of India Small 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 Small Cap

#NA

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 1 year for units beyond 10% of the investment.