Bank of India Multi Cap Fund Regular Plan - Growth
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Outperformed category benchmark in 100% of historical 3-year rolling periods.
- Generated +3.9% annualized alpha (excess return) over its benchmark.
- Equities carry market risk; returns fluctuate and recommended investment horizon is 5+ years.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +6.69% | +5.58% | +1.11% |
| 3 Months | +1.59% | +0.66% | +0.93% |
| 6 Months | +8.33% | +7.75% | +0.58% |
| 1 Year | +11.29% | +6.20% | +5.09% |
| 3 Years CAGR | +16.75% | +14.36% | +2.39% |
| Since Inception | +21.33% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in Bank of India Multi Cap Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +9.32% | +7.13% | +2.19% |
| 2025 | +7.18% | +2.69% | +4.49% |
| 2024 | +22.33% | +23.44% | -1.11% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -6.19% | +18.70% | +10.56% | +54.69% | 90.5% | 72.2% |
| 3-Year Rolling | +14.65% | +18.64% | +19.12% | +22.30% | 100.0% | 100.0% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2024-09-27 | 2025-03-03 | -20.7% | 5 months | 10 months |
| 2026-01-02 | 2026-03-23 | -12.0% | 3 months | 1 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity & Equity related securities: 75% to 100% VERY HIGH •Minimum investment in Equity & Equity related instruments of Large Cap companies-25% of total assets. •Minimum investment in Equity & Equity related instruments of Mid Cap companies-25% of total assets. •Minimum investment in Equity & Equity related instruments of Small Cap Debt and Money Market instruments# 0% 25% low to medium Units issued by REITs and INVITs 0% to 10% very high | Per Scheme Mandate |
Investment Objective & Strategy
The investment objective of the scheme is to generate long term capital appreciation by investing in equity and equity-related securities across various market capitalisation. However, there can be no assurance that the investment objectives of the Scheme will be realized.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 1,478 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as small relative to Multi Cap schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Multi Cap Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| LIC MF Multi Cap Fund | 6.1 | +16.69% | 2.14% | 106.9% | Rs 2,344 cr | Compare → |
| Mahindra Manulife Multi Cap Fund | 5.8 | +16.41% | 2.18% | 100.8% | Rs 7,968 cr | Compare → |
| WhiteOak Capital Multi Cap Fund | 7.6 | +16.99% | 2.21% | 91.2% | Rs 4,710 cr | Compare → |
| Kotak Multi Cap Fund | 7.0 | +16.08% | 1.79% | 108.0% | Rs 31,944 cr | Compare → |
| Axis Multicap Fund | 8.1 | +18.62% | 1.97% | 93.0% | Rs 13,106 cr | Compare → |
Frequently Asked Questions about Bank of India Multi Cap Fund
What is the expense ratio of Bank of India Multi Cap Fund?
Bank of India Multi Cap Fund has a total expense ratio (TER) of 2.44% with a base expense ratio of 1.82%, compared to the Multi Cap category median of 2.21%.
Who manages Bank of India Multi Cap Fund?
Bank of India Multi Cap Fund is managed by Nitin Gosar (tenure: 3.7 years since 2023-03-06).
What are the historical returns of Bank of India Multi Cap Fund?
Bank of India Multi Cap Fund delivered a 3-year CAGR of 16.75%. Its 1-year return stands at +11.29%.
How large is Bank of India Multi Cap Fund?
Bank of India Multi Cap Fund manages assets of Rs 1,478 cr, placing it in the 'small' size band relative to Multi Cap peers.
How is Bank of India Multi Cap Fund scored on MFIQ?
Bank of India Multi Cap Fund holds an MFIQ Score of 6.0/10 (Average), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is Bank of India Multi Cap Fund?
Bank of India Multi Cap Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 16.17% with a maximum historical drawdown of -20.69%.