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4 star

Bank of India Mid & Small Cap Equity & Debt Fund - Direct Plan download report


1 Lakh

Investment Grown to
₹ 2.08 Lakh

₹ 10000

Monthly SIP Grown to
₹ 5.11 Lakh

Suitability:

When you invest for five years or more, you can expect gains that comfortably beat the inflation rate as well as returns from fixed income options. But be prepared for ups and downs in your investment value along the way.

Aggressive hybrid funds invest 65-80 per cent of your money in equity shares and the rest in bonds. Their returns are slightly lower than those of pure equity funds which invest all your money in shares, but they also fall relatively less when the stock markets decline. This makes them suitable for conservative equity investors or first-time equity investors who are not used to sharp ups and downs.

Like for all equity-linked investments, you must invest only through the SIP route. Click here to read a primer on SIP investing.

Warning: Do not invest in this, or any other aggressive hybrid fund, if you need to redeem your investment in less than five years.

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 1 year from the date of investment, gains upto Rs 1 lakh in a financial year are exempt from tax. Gains over Rs 1 lakh are taxed at the rate of 10%.
  • If the mutual fund units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 15%.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Bank of India Mid & Small Cap Equity & Debt Direct-G -9.53 0.00 1.41 8.67 -1.28 -7.94 1.01 27.63 13.33 -- --
VR Balanced TRI 1.11 -0.02 2.43 8.76 4.50 0.35 7.59 15.72 11.78 -- --
Hybrid: Aggressive Hybrid -0.61 0.12 1.24 7.71 3.99 -0.92 5.36 16.74 10.78 -- --
Rank within category 46 35 12 8 46 46 41 2 4 -- --
Number of funds in category 46 46 46 46 46 46 46 42 30 24 0

As on 05-Aug-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Bank of India Mid & Small Cap Equity & Debt Fund - Direct Plan  | Invest Online
4 star
Jul-16 1.01 27.63 13.33 1.55 322
SBI Equity Hybrid Fund - Direct Plan  | Invest Online
4 star
Jan-13 6.84 16.28 12.30 0.85 48,908
ICICI Prudential Equity & Debt Fund - Direct Plan  | Invest Now
5 star
Jan-13 16.41 21.78 14.21 1.25 18,587
Canara Robeco Equity Hybrid Fund - Direct Plan  | Invest Online
4 star
Jan-13 4.66 18.21 12.71 0.61 8,033
Mirae Asset Hybrid Equity Fund - Direct Plan  | Invest Online
4 star
Jul-15 4.77 17.01 12.49 0.42 6,396

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 8.42 01-Apr-2020 - 09-Apr-2020 -15.46 16-Mar-2020 - 23-Mar-2020
Month 14.07 24-Mar-2020 - 23-Apr-2020 -28.07 20-Feb-2020 - 23-Mar-2020
Quarter 26.42 27-May-2020 - 26-Aug-2020 -19.48 23-Dec-2019 - 23-Mar-2020
Year 86.79 16-Jul-2020 - 16-Jul-2021 -24.66 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Bank of India Mid & Small Cap Equity & Debt Direct-G 25.86 20.39 1.10 1.19 0.89 11.50
VR Balanced TRI 15.74 18.34 0.67 0.80 -- --
Hybrid: Aggressive Hybrid 16.09 17.07 0.74 0.81 0.89 1.75
Rank within category 2 41 2 2 26 2
Number of funds in category 43 43 43 43 43 43

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Jul-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 43
Top 10 Holdings (%) 34.19
Top 5 Holdings (%) 19.17
Top 3 Sectors (%) 29.24
Portfolio P/B Ratio 4.48
Portfolio P/E Ratio 25.51
Avg Credit Rating AAA

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal HDFC Bank 14/10/2022 Certificate of Deposit A1+ 0.00 - 3.06 3.06
new 5.27% National Bank Agr. Rur. Devp 23/07/2024 Non Convertible Debenture AAA 0.00 - 2.10 2.10
equal Axis Bank 2022 Certificate of Deposit A1+ 0.00 - 1.82 1.82
equal Reserve Bank of India 182-D 15/09/2022 Treasury Bills SOV 0.00 - 1.66 1.66
equal 7.60% LIC Housing Fin. 22/11/2022 Debenture AAA 0.00 - 0.94 0.94
equal 7.17% Reliance Industries 2022 Non Convertible Debenture AAA 0.00 - 0.93 0.93
equal Tata Motors Finance 27/02/2023 Debenture AA- 0.00 - 0.93 0.93
equal Britannia Inds. 28/08/2022 Non Convertible Debenture AAA 0.00 - 0.62 0.62
down 6.54% GOI 17/01/2032 GOI Securities SOV 0.00 - 0.87 0.51

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal APL Apollo Tubes Metals & Mining 49.62 5.38 0.19 4.59
equal UNO Minda Automobile 83.54 4.83 0.83 4.30
up Varun Beverages Consumer Staples 51.27 3.44 0.00 3.44
up Balrampur Chini Mills Consumer Staples 17.86 3.56 0.00 3.42
equal Sumitomo Chemical India Chemicals 55.77 3.58 0.00 3.42
equal KPR Mills Textiles 21.44 3.82 0.00 3.28
equal Astral Materials 82.84 4.01 1.97 3.26
up AU Small Finance Bank Financial 34.17 4.75 0.00 2.87
equal Navin Fluorine International Chemicals 78.84 6.26 1.74 2.55
up TVS Motor Company Automobile 42.00 2.48 0.00 2.48
equal Jindal Stainless Metals & Mining 3.23 4.41 0.00 2.40
equal Indian Energy Exchange Services 47.12 3.03 0.00 2.37
equal Aavas Financiers Financial 45.36 3.36 0.00 2.32
equal Sona BLW Precision Forgings Automobile 92.14 2.37 0.00 2.19
down Atul Chemicals 45.90 3.64 1.98 2.14
equal Central Depository Services Financial 39.50 3.17 0.00 2.08
down Dalmia Bharat Materials 27.73 2.83 0.00 1.99
equal Computer Age Management Services Services 40.19 4.06 0.00 1.89
equal Indiabulls Real Estate Construction -- 2.85 0.00 1.80
new Timken India Capital Goods 67.52 3.19 0.00 1.77
up VIP Industries Materials 63.67 1.56 0.00 1.56
equal JB Chemicals & Pharma Healthcare 38.73 2.34 0.00 1.51
up Ajanta Pharma Healthcare 22.95 1.65 0.00 1.44
up City Union Bank Financial 15.66 5.33 0.00 1.44
equal Tata Communications Communication 18.16 2.40 0.00 1.42

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 30-Jun-2022

Fund Manager

— Alok Singh since 16-Feb-2017

Education: Mr. Singh is a CFA and PGDBA from ICFAI Business School.

Experience: Prior to joining Bank of India AMC he has worked with BNP Paribas Asset Management and Axis Bank

Funds Managed:


0.00

Change from previous, NAV as on 05-Aug-2022

Growth: ₹ 23.0700

IDCW: ₹ 18.8400


Investment Strategy

The scheme seeks to provide capital appreciation and income distribution to investors from a portfolio constituting of mid and small cap equity and equity related securities as well as fixed income securities.

Investment Details

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 1,000
Min. No of Cheques 6
Min. Withdrawal (₹) 1,000
Min. Balance (₹) --
Lock-in Period Not Applicable
Exit Load For units in excess of 10% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: Bank of India Mutual Fund
Launch Date: 20-Jul-2016
Return Since Launch: 14.83%
Benchmark: NIFTY Mid Small Cap 400 TRI (70), CRISIL Short-Term Bond Index (30)
Riskometer: Very High
Type: Open-ended
Assets: ₹ 322 Cr (As on 30-Jun-2022)
Expense Ratio: 1.55% (As on 30-Jun-2022)
Risk Grade: High
Return Grade: High
Turnover: 96.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW29-Jul-20210.2500

 30-Jun-20211.0000
 26-Mar-20180.7500
 27-Jun-20170.8000

Contact Information

AMC: Bank of India Investment Managers Private Limited

Address: B/204-Tower 1, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai - 400013

Email: [email protected]

Website: https://www.boimf.in/

Registrar & Transfer Agent: KFin Technologies Ltd.

Address: 303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

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