Bank of India Multi Cap Fund Direct Plan

Multi CapEquity SEBI-regulated

NAV (Direct-Growth)

₹20.5300

As of 3 Jul 2026 · AMFI

AUM

₹1.1K Cr

Expense ratio

0.72%

1Y returns

+11.63%

cat 2.02%

3Y CAGR

+21.72%

cat 16.53%

5Y CAGR

—

cat 14.85%

Std deviation 3Y

+16.49%

cat 16.39%

In plain English

Bank of India Multi Cap Fund Direct Plan is a Multi Cap scheme from Bank of India. The portfolio is ~96% in equities. Within equity, ~33% sits in large-cap stocks, 29% in mid-cap, and 30% in small-cap. 3-year CAGR: about 21.7%. Volatility is typical for equity — 20–30 % drawdowns happen during market stress. Worst historical drawdown: -20% in Mar 2025, 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

Showing Direct · Growth · INF761K01FR0

NAV (Direct-Growth)

₹20.5300

Last 1Y

+11.39%

Jul 25Min ₹17.20 · Max ₹20.53 · 244 ptsJul 26

Drawdown stories

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

Mar 2025

-20.3%

Peak ₹18.91 on 27 Sept 2024 → trough ₹15.07 on 3 Mar 2025 (5 months down).

Recovered in 8 months· 27 Oct 2025

Mar 2026

-11.7%

Peak ₹19.48 on 2 Jan 2026 → trough ₹17.20 on 23 Mar 2026 (3 months down).

Recovered in 1 months· 4 May 2026

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

5 / 5

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

Expense ratio
0.72% — typical for category.
AUM size
₹1.1K Cr.
Sector concentration
Top 3 sectors = 47.8% — diversified across sectors.

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	+1.04%	+0.45%	4/ 32
1M	+10.01%	+9.81%	14/ 32
3M	+5.68%	+3.01%	7/ 32
6M	+5.44%	+1.52%	7/ 32
YTD	+6.65%	+1.70%	5/ 32
1Y	+11.63%	+2.02%	2/ 31
2Y	+9.56%	+6.87%	5/ 24
3Y	+21.72%	+16.53%	2/ 19
5Y	—	+14.85%	—
7Y	—	+14.59%	—
10Y	—	+15.50%	—

Portfolio composition

Asset allocation

Equity96.28%
Debt0.11%
Cash3.61%

By market cap

Large cap33.26%
Mid cap28.60%
Small cap29.57%
Others8.57%

Concentration

Holdings

Avg market cap

₹68.7K Cr

Top 10 stocks

34.39%

Top 5 stocks

20.63%

Top 3 sectors

47.83%

Top holdings

Top 15 positions by weight, latest disclosure.

#InstrumentSectorWeight

1
HDFC Bank Ltd
—5.23%
1
HDFC Bank Ltd
—4.94%
2
Reliance Industries Ltd
—4.74%
2
Reliance Industries Ltd
—4.66%
3
Net Receivables / (Payables)
—4.06%
3
Lloyds Metals & Energy Ltd
—3.86%
4
Larsen & Toubro Ltd
—3.60%
4
Larsen & Toubro Ltd
—3.60%
5
Aurobindo Pharma Ltd
—3.52%
6
Kotak Mahindra Bank Ltd
—3.30%
5
Aurobindo Pharma Ltd
—3.27%
7
Lloyds Metals & Energy Ltd
—3.19%
6
Kotak Mahindra Bank Ltd
—3.12%
7
Tips Music Ltd
—2.99%
8
FSN E-Commerce Ventures Ltd
—2.81%

Fundamentals (vs category)

Portfolio-weighted ratios, compared with the category average.

MetricFundCategory avgDiff

P/E ratio24.7926.90-2.11
P/B ratio3.623.68-0.06
Price / Sales2.823.13-0.31
Price / Cash Flow19.0319.69-0.66
Dividend yield1.29%1.01%+0.28
Return on equity (ROE)21.24%16.89%+4.35

Risk metrics

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

Metric1Y3Y5YCat 1YCat 3YCat 5Y

Standard deviation
Volatility — lower means steadier returns.
17.7216.49—18.2716.3915.53
Sharpe ratio
Risk-adjusted return — higher is better.
0.320.87—-0.150.620.60
Sortino ratio
Like Sharpe but only counts downside volatility.
0.541.47—-0.190.960.94
Beta
1 = moves with the market. <1 = less volatile.
0.920.97—0.960.960.96

Peers in Multi Cap

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

Peer fundAUM1Y3Y CAGRExpense

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

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