BANK OF INDIA Large & Mid Cap Fund Direct Plan

Large & Mid CapEquity SEBI-regulated

NAV (Direct-Growth)

₹107.1600

As of 1 Jul 2026 · AMFI

AUM

₹472.53 Cr

Expense ratio

0.97%

1Y returns

+4.38%

cat 0.84%

3Y CAGR

+16.34%

cat 15.90%

5Y CAGR

+14.07%

cat 14.57%

Std deviation 3Y

+15.85%

cat 16.24%

In plain English

BANK OF INDIA Large & Mid Cap Fund Direct Plan is a Large & Mid Cap scheme from Bank of India. The portfolio is ~96% in equities. Long-run track record: about 14.1% CAGR over 5 years. Volatility is typical for equity — 20–30 % drawdowns happen during market stress. Worst historical drawdown: -38% in Mar 2020, recovered in 8 months. Wrong fit if you need this money in less than 5 years.

Auto-generated from holdings, returns and risk data. No paid placement, no copy-pasted boilerplate.

NAV history

NAV (Direct-Growth)

₹107.1600

Last 1Y

+4.38%

Jul 25Min ₹95.02 · Max ₹107.57 · 245 ptsJul 26

Drawdown stories

The crashes you should know about — and how long the fund took to recover.

Mar 2020

-37.9%

Peak ₹42.64 on 8 Jan 2018 → trough ₹26.50 on 23 Mar 2020 (27 months down).

Recovered in 8 months· 18 Nov 2020

Mar 2025

-21.2%

Peak ₹106.77 on 30 Aug 2024 → trough ₹84.14 on 3 Mar 2025 (6 months down).

Recovered in 10 months· 2 Jan 2026

Feb 2016

-21.1%

Peak ₹30.36 on 3 Mar 2015 → trough ₹23.96 on 25 Feb 2016 (12 months down).

Recovered in 6 months· 8 Aug 2016

Jun 2022

-19.6%

Peak ₹64.72 on 17 Jan 2022 → trough ₹52.02 on 20 Jun 2022 (5 months down).

Recovered in 5 months· 28 Nov 2022

Computed from the full NAV history. We show drawdowns deeper than 10%, sorted by depth.

Honesty score

A 1–5 grade on the dimensions other sites won't surface — expense bloat, AUM bloat, concentration, mandate compliance.

Honesty score

4 / 5

Solid scheme on the dimensions we check. No red flags.

Expense ratio
0.97% — typical for category.
AUM size
₹0.5K Cr — reasonable for a mid-cap fund.
Sector concentration
Top 3 sectors = 47.5% — diversified across sectors.
Style drift
Only 35% in mid caps — SEBI mandate is 65%+.

Computed from expense ratio, AUM, sector concentration and SEBI mandate compliance. No paid review.

Performance

Returns for various periods, with category average and peer rank.

Period	Returns	Category avg	Rank
1W	+0.39%	+0.15%	9/ 33
1M	+8.04%	+8.95%	24/ 33
3M	+2.70%	+2.25%	13/ 33
6M	+0.44%	-0.07%	13/ 33
YTD	+0.81%	+0.20%	15/ 33
1Y	+4.38%	+0.84%	11/ 32
2Y	+6.51%	+6.59%	25/ 29
3Y	+16.34%	+15.90%	15/ 26
5Y	+14.07%	+14.57%	20/ 26
7Y	+16.49%	+13.92%	14/ 22
10Y	+14.25%	+14.77%	16/ 20

Portfolio composition

Asset allocation

Equity95.85%
Debt0.01%
Cash4.14%

By market cap

Large cap39.82%
Mid cap35.42%
Small cap15.16%
Others9.60%

Concentration

Holdings

Avg market cap

₹1.12 L Cr

Top 10 stocks

40.56%

Top 5 stocks

24.79%

Top 3 sectors

47.54%

Top holdings

Top 15 positions by weight, latest disclosure.

#InstrumentSectorWeight

1
Reliance Industries Ltd
—6.68%
1
Reliance Industries Ltd
—6.66%
2
Net Receivables / (Payables)
—6.62%
2
HDFC Bank Ltd
—5.84%
3
HDFC Bank Ltd
—4.97%
3
Larsen & Toubro Ltd
—4.39%
4
Larsen & Toubro Ltd
—4.26%
4
Treps
—4.10%
5
Lloyds Metals & Energy Ltd
—4.08%
5
Kotak Mahindra Bank Ltd
—3.90%
6
Kotak Mahindra Bank Ltd
—3.81%
7
FSN E-Commerce Ventures Ltd
—3.64%
6
FSN E-Commerce Ventures Ltd
—3.59%
7
Aurobindo Pharma Ltd
—3.50%
8
Aurobindo Pharma Ltd
—3.35%

Fundamentals (vs category)

Portfolio-weighted ratios, compared with the category average.

MetricFundCategory avgDiff

P/E ratio23.1327.72-4.59
P/B ratio3.323.90-0.58
Price / Sales2.793.27-0.48
Price / Cash Flow16.6419.86-3.22
Dividend yield1.38%1.00%+0.38
Return on equity (ROE)19.95%17.21%+2.74

Risk metrics

Standard deviation, Sharpe, Sortino, Beta — all vs category average.

Metric1Y3Y5YCat 1YCat 3YCat 5Y

Standard deviation
Volatility — lower means steadier returns.
17.5115.8514.7818.0516.2415.16
Sharpe ratio
Risk-adjusted return — higher is better.
-0.010.640.57-0.220.590.59
Sortino ratio
Like Sharpe but only counts downside volatility.
-0.010.990.91-0.280.890.91
Beta
1 = moves with the market. <1 = less volatile.
0.850.960.940.960.970.95

Peers in Large & Mid Cap

Other schemes in the same SEBI category, ranked by AUM.

Peer fundAUM1Y3Y CAGRExpense

Peers in same SEBI category, ranked by AUM. Compare any →

Available plans & options

PlanOptionFull nameISIN

DirectGrowthBANK OF INDIA Large & Mid Cap Fund Direct Plan-GrowthINF761K01652
DirectIDCW ReinvestmentBANK OF INDIA Large & Mid Cap Fund Direct Plan-Regular IDCWINF761K01645
DirectBonusBANK OF INDIA Large & Mid Cap Fund Direct Plan- BonusINF761K01629

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