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5 star

Bank of India Small Cap Fund - Regular Plan download report


Equity: Small Cap

1 Lakh

Investment Grown to
₹ 2.71 Lakh

₹ 10000

Monthly SIP Grown to
₹ 6.10 Lakh

Suitability:

"When you invest for seven years or more, you can expect gains that comfortably beat the inflation rate as well as returns from fixed income options.

This is a fund that invests in smaller companies. Compared to those that invest in larger companies, such funds tend to fall more when stock prices fall. So while you can expect higher returns in the long term, there will be more severe ups and downs along the way.

Like for all equity funds, 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 small-cap fund, if you need to redeem your investment in less than seven 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 Small Cap Fund Reg-G -4.55 0.19 1.64 8.79 14.09 -0.23 9.29 39.40 -- -- --
S&P BSE 250 SmallCap TRI -6.50 0.12 1.10 8.25 11.49 -4.16 3.18 26.16 -- -- --
Equity: Small Cap -4.21 0.22 1.19 7.68 11.91 -1.32 6.82 31.02 -- -- --
Rank within category 17 16 4 5 6 13 13 2 -- -- --
Number of funds in category 28 29 29 29 29 28 27 20 14 13 8

As on 12-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 Small Cap Fund - Regular Plan  | Invest Online
5 star
Dec-18 9.29 39.40 -- 2.67 333
Nippon India Small Cap Fund  | Invest Online
4 star
Sep-10 13.63 34.61 18.78 1.94 20,363
SBI Small Cap Fund  | Invest Online
4 star
Sep-09 17.57 31.65 19.69 1.74 12,825
Axis Small Cap Fund - Regular Plan
5 star
Nov-13 12.46 29.74 20.29 2.04 9,811
Kotak Small Cap Fund - Regular Plan  | Invest Online
4 star
Feb-05 9.99 35.73 18.19 1.91 7,784

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 8.79 09-Sep-2020 - 16-Sep-2020 -18.89 16-Mar-2020 - 23-Mar-2020
Month 19.83 24-Mar-2020 - 23-Apr-2020 -32.51 20-Feb-2020 - 23-Mar-2020
Quarter 40.90 26-May-2020 - 25-Aug-2020 -21.84 18-Feb-2020 - 19-May-2020
Year 122.44 23-Mar-2020 - 23-Mar-2021 -21.61 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Bank of India Small Cap Fund Reg-G 35.64 24.42 1.32 1.46 0.77 13.86
S&P BSE 250 SmallCap TRI 27.17 29.90 0.79 0.84 -- --
Equity: Small Cap 30.22 26.43 1.02 1.07 0.86 6.46
Rank within category 3 3 1 2 3 2
Number of funds in category 20 20 20 20 20 20

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 66
Top 10 Stocks (%) 24.92
Top 5 Stocks (%) 14.35
Top 3 Sectors (%) 38.29
Portfolio P/B Ratio 5.46
Portfolio P/E Ratio 35.05

Portfolio Aggregates

Fund Category
Average Mkt Cap (Rs Cr) 12,918 9,704
Giant (%) 6.19 5.94
Large (%) -- 2.99
Mid (%) 47.83 40.45
Small (%) 45.99 55.73
Tiny (%) -- 0.43

Value Research Fund Style

Sector Allocation vis-à-vis Category

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Top Holdings

Company Sector P/E 3Y High 3Y Low % Assets
up Timken India Capital Goods 59.95 3.70 1.08 3.70
up ICICI Bank Financial 21.96 4.10 0.00 3.50
equal City Union Bank Financial 16.11 2.51 0.00 2.51
equal KPR Mills Textiles 21.85 3.28 0.00 2.36
up Rolex Rings Capital Goods 31.71 2.28 0.00 2.28
up Jamna Auto Industries Automobile 29.39 2.26 0.00 2.25
equal Home First Finance Company India Financial 40.44 2.25 0.00 2.22
up JB Chemicals & Pharma Healthcare 38.46 2.58 0.00 2.04
up INOX Leisure Services -- 2.04 0.00 2.04
equal Ratnamani Metals & Tubes Metals & Mining 33.84 2.22 0.00 2.02
up Phoenix Mills Construction 23.93 2.04 0.00 2.00
up CreditAccess Grameen Financial 34.11 1.99 0.00 1.99
equal Balrampur Chini Mills Consumer Staples 17.31 2.22 0.00 1.90
up SKF India Capital Goods 49.96 1.90 0.00 1.90
equal Tube Investments Of India Automobile 52.74 3.80 0.00 1.85
up VIP Industries Materials 62.15 1.97 0.00 1.73
up Astec Lifesciences Chemicals 42.35 1.73 0.00 1.73
equal Praj Industries Capital Goods 41.87 1.79 0.00 1.72
equal Kei Industries Capital Goods 30.45 1.71 0.00 1.62
equal Rajratan Global Wire Metals & Mining 40.45 1.61 0.00 1.61
up Solar Industries Chemicals 55.37 1.97 0.00 1.52
equal Grindwell Norton Metals & Mining 68.25 2.62 1.10 1.51
up Navin Fluorine International Chemicals 77.37 5.64 0.88 1.49
equal Mold-Tek Packaging Materials 41.32 2.21 0.00 1.49
up Lemon Tree Hotels Services -- 1.53 0.00 1.46

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 31-Jul-2022

Fund Manager

— Dhruv Bhatia since 27-Apr-2022

Education: Mr. Bhatia has done PGDM (Finance), Bachelors in Management Studies (Finance).

Experience: Prior to joining Bank of India Mutual Fund, he has worked with AUM Fund Advisors LLP and Sahara Asset Management Company.

Funds Managed:


0.19%

Change from previous, NAV as on 12-Aug-2022

Growth: ₹ 25.9900

IDCW: ₹ 18.9500


Investment Strategy

The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity-related securities of small cap companies.

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 (₹) 1
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: 19-Dec-2018
Return Since Launch: 30.09%
Benchmark: NIFTY Smallcap 250 TRI
Riskometer: Very High
Type: Open-ended
Assets: ₹ 333 Cr (As on 31-Jul-2022)
Expense Ratio: 2.67% (As on 30-Jun-2022)
Risk Grade: Below Average
Return Grade: High
Turnover: 75.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW29-Jul-20211.0000

 30-Jun-20211.2500
 25-Mar-20211.0000
 02-Feb-20211.3233
 28-Sep-20200.5393

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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