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Bank of India Flexi Cap Fund - Direct Plan download report


Equity: Flexi Cap

1 Lakh

Investment declined to
₹ 0.99 Lakh

₹ 10000

Monthly SIP Declined to
₹ 1.08 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.

This is a flexi-cap fund where the fund management team has complete freedom to invest in companies of different sizes, depending on where it expects maximum gains. This versatility makes flexi-cap funds most suitable for equity fund investors, as the job of stock selection is left completely to the fund manager, which is the very idea of investing in a mutual fund.

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

Warning: Warning: Do not invest in this, or any other flexi-cap 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 Flexi Cap Fund Direct-G -15.05 -0.34 0.75 -6.35 -13.20 -15.05 -1.07 -- -- -- --
S&P BSE 500 TRI -9.70 0.07 0.58 -4.72 -10.64 -9.70 0.88 -- -- -- --
Equity: Flexi Cap -11.14 0.19 0.70 -4.23 -10.22 -11.14 0.37 -- -- -- --
Rank within category 56 65 31 67 61 56 37 -- -- -- --
Number of funds in category 64 68 68 68 68 64 59 46 35 34 1

As on 01-Jul-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Bank of India Flexi Cap Fund - Direct Plan  | Invest Online
Unrated
Jun-20 -1.07 -- -- 1.07% 245
SBI Focused Equity Fund - Direct Plan  | Invest Online
4 star
Jan-13 -0.09 13.69 14.02 0.69% 24,274
UTI Flexi Cap Fund - Direct Plan  | Invest Online
4 star
Jan-13 -6.95 15.29 13.32 0.95% 23,609
Parag Parikh Flexi Cap Fund - Direct Plan  | Invest Online
5 star
May-13 3.09 21.27 17.31 0.79% 22,647
Axis Flexi Cap Fund - Direct Plan
4 star
Nov-17 -4.25 11.77 -- 0.63% 10,081

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 6.12 09-Sep-2020 - 16-Sep-2020 -8.53 05-May-2022 - 12-May-2022
Month 12.89 02-Nov-2020 - 02-Dec-2020 -13.99 12-Apr-2022 - 12-May-2022
Quarter 24.84 24-Sep-2020 - 24-Dec-2020 -14.49 10-Feb-2022 - 12-May-2022
Year 82.19 16-Jul-2020 - 16-Jul-2021 -2.58 22-Jun-2021 - 22-Jun-2022

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Bank of India Flexi Cap Fund Direct-G -- -- -- -- -- --
S&P BSE 500 TRI* 15.01 22.33 0.52 0.58 -- --
Equity: Flexi Cap* 14.35 21.48 0.50 0.57 0.93 0.20
Rank within category -- -- -- -- -- --
Number of funds in category -- -- -- -- -- --

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

As on

* As on 30-Jun-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 52
Top 10 Stocks (%) 37.31
Top 5 Stocks (%) 21.90
Top 3 Sectors (%) 47.01
Portfolio P/B Ratio 2.73
Portfolio P/E Ratio 17.72

Portfolio Aggregates

Fund Category
Average Mkt Cap (Rs Cr) 64,402 1,46,834
Giant (%) 32.29 53.24
Large (%) 16.85 19.21
Mid (%) 34.89 21.57
Small (%) 15.98 6.42
Tiny (%) -- 0.29

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 ICICI Bank Financial 19.94 5.85 0.88 5.85
up State Bank of India Financial 11.94 5.68 0.00 5.68
up Balrampur Chini Mills Consumer Staples 15.87 4.04 0.00 3.49
equal Reliance Industries Energy 26.91 5.25 0.00 3.44
up Tata Consultancy Services Technology 30.88 3.44 0.96 3.44
equal Nippon India ETF Nifty PSU Bank BeES Financial -- 3.37
equal NTPC Energy 9.03 3.25 0.00 3.18
up HDFC Bank Financial 19.78 5.74 1.71 3.18
up Axis Bank Financial 14.24 3.59 0.00 3.14
up Coal India Materials 6.47 3.08 0.00 3.08
equal KPR Mills Textiles 20.54 3.72 0.00 2.83
equal Birla Corporation Materials 16.59 3.15 0.00 2.75
equal Lemon Tree Hotels Services -- 2.90 0.00 2.71
up Tata Steel Metals & Mining 2.60 2.59 0.00 2.59
equal APL Apollo Tubes Metals & Mining 37.57 3.75 0.00 2.45
equal Max Healthcare Institute Healthcare 58.65 3.52 0.00 2.36
up Jamna Auto Industries Automobile 36.87 2.28 0.00 2.28
up Minda Industries Automobile 76.99 2.45 0.00 2.15
up Tata Motors Automobile -- 2.45 0.00 2.14
equal ABB India Ltd. Capital Goods 66.52 2.28 0.00 2.08
equal Rajratan Global Wire Metals & Mining 30.32 2.23 0.00 1.99
up Aavas Financiers Financial 43.46 3.24 0.00 1.91
up Sumitomo Chemical India Chemicals 52.38 1.89 0.00 1.89
up AU Small Finance Bank Financial 31.40 1.79 0.00 1.79
equal Indian Energy Exchange Services 46.17 2.01 0.38 1.79

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-May-2022

Fund Manager

— Alok Singh since 10-Jun-2020

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

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

Funds Managed:


-0.34%

Change from previous, NAV as on 01-Jul-2022

Growth: ₹ 17.5500

IDCW: ₹ 15.0100


Investment Strategy

The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity-related securities across various market capitalisation.

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: 29-Jun-2020
Return Since Launch: 32.37%
Benchmark: S&P BSE 500 TRI
Riskometer: Very High
Type: Open-ended
Assets: ₹ 245 Cr (As on 31-May-2022)
Expense: 1.07% (As on 31-May-2022)
Risk Grade: --
Return Grade: --
Turnover: 61.00%

Most Recent Dividends

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

 30-Jun-20211.0000
 07-Dec-20201.0000

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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