Bank of India Mid & Small Cap Equity & Debt Direct Growth

Fund Overview

Fund Size

₹1,329 Cr

Expense Ratio

0.71%

ISIN

INF761K01DM6

Minimum SIP

₹1,000

Exit Load

1.00%

Inception Date

20 Jul 2016

About this fund

Bank of India Mid & Small Cap Equity & Debt Direct Growth is a Aggressive Allocation mutual fund schemes offered by BOI Mutual Fund. This fund has been in existence for 9 years, 7 months and 3 days, having been launched on 20-Jul-16.
As of 20-Feb-26, it has a Net Asset Value (NAV) of ₹42.00, Assets Under Management (AUM) of 1329.20 Crores, and an expense ratio of 0.71%.

Bank of India Mid & Small Cap Equity & Debt Direct Growth has given a CAGR return of 16.15% since inception.
The fund's asset allocation comprises around 71.70% in equities, 13.38% in debts, and 14.93% in cash & cash equivalents.
You can start investing in Bank of India Mid & Small Cap Equity & Debt Direct Growth with a SIP of ₹1000 or a Lumpsum investment of ₹5000.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

+14.16%

+11.22% (Cat Avg.)

3 Years

+19.99%

+15.06% (Cat Avg.)

5 Years

+19.77%

+13.19% (Cat Avg.)

Since Inception

+16.15%

— (Cat Avg.)

Portfolio Summaryas of 31st January 2026

Equity	₹952.99 Cr	71.70%
Debt	₹177.8 Cr	13.38%
Others	₹198.41 Cr	14.93%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
Net Receivables / (Payables)	Cash	₹82.03 Cr	6.17%
Hindustan Copper Ltd	Equity	₹48.59 Cr	3.66%
Indian Bank	Equity	₹46.04 Cr	3.46%
Abbott India Ltd	Equity	₹35.83 Cr	2.70%
UNO Minda Ltd	Equity	₹34.76 Cr	2.62%
PB Fintech Ltd	Equity	₹33.42 Cr	2.51%
Jindal Stainless Ltd	Equity	₹32.9 Cr	2.48%
Bank of Maharashtra	Equity	₹30.29 Cr	2.28%
Housing & Urban Development Corp Ltd	Equity	₹30.28 Cr	2.28%
Glenmark Pharmaceuticals Ltd	Equity	₹30.24 Cr	2.27%
Bharat Dynamics Ltd Ordinary Shares	Equity	₹30.15 Cr	2.27%
Eris Lifesciences Ltd Registered Shs	Equity	₹27.89 Cr	2.10%
Lloyds Metals & Energy Ltd	Equity	₹26.71 Cr	2.01%
Nippon Life India Asset Management Ltd Ordinary Shares	Equity	₹26.34 Cr	1.98%
TD Power Systems Ltd	Equity	₹25.53 Cr	1.92%
JK Cement Ltd	Equity	₹24.3 Cr	1.83%
Coromandel International Ltd	Equity	₹23 Cr	1.73%
Swan Corp Ltd	Equity	₹22.14 Cr	1.67%
HEG Ltd	Equity	₹21.9 Cr	1.65%
Steel Authority Of India Ltd	Equity	₹21.16 Cr	1.59%
SBI Cards and Payment Services Ltd Ordinary Shares	Equity	₹21.1 Cr	1.59%
Coforge Ltd	Equity	₹20.84 Cr	1.57%
Indian Railway Finance Corporation Limited	Bond - Corporate Bond	₹20.22 Cr	1.52%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹20.05 Cr	1.51%
Manappuram Finance Limited	Cash - Commercial Paper	₹19.63 Cr	1.48%
Shreeji Shipping Global Ltd	Equity	₹18.38 Cr	1.38%
Small Industries Development Bank Of India	Bond - Corporate Bond	₹18.07 Cr	1.36%
Schaeffler India Ltd	Equity	₹17.39 Cr	1.31%
7.10% Gs 2029	Bond - Gov't/Treasury	₹17 Cr	1.28%
APL Apollo Tubes Ltd	Equity	₹16.37 Cr	1.23%
Bharat Forge Ltd	Equity	₹15.86 Cr	1.19%
Quality Power Electrical Equipments Ltd	Equity	₹15.1 Cr	1.14%
Export-Import Bank Of India	Cash - CD/Time Deposit	₹14.92 Cr	1.12%
Canara Bank	Bond - Gov't Agency Debt	₹14.66 Cr	1.10%
Syrma SGS Technology Ltd	Equity	₹14.61 Cr	1.10%
Kajaria Ceramics Ltd	Equity	₹14.44 Cr	1.09%
Zaggle Prepaid Ocean Services Ltd	Equity	₹14.02 Cr	1.05%
Canara Bank	Cash - CD/Time Deposit	₹13.67 Cr	1.03%
Prudent Corporate Advisory Services Ltd	Equity	₹13.13 Cr	0.99%
6.48% Gs 2035	Bond - Gov't/Treasury	₹12.8 Cr	0.96%
Ajanta Pharma Ltd	Equity	₹12.8 Cr	0.96%
Small Industries Development Bank Of India	Cash - CD/Time Deposit	₹12.76 Cr	0.96%
KSH International Ltd	Equity	₹12.62 Cr	0.95%
Torrent Power Ltd	Equity	₹12.49 Cr	0.94%
MRF Ltd	Equity	₹12.36 Cr	0.93%
Aurobindo Pharma Ltd	Equity	₹12.08 Cr	0.91%
Power Grid Corporation Of India Limited	Bond - Corporate Bond	₹12.07 Cr	0.91%
Goodluck India Ltd	Equity	₹11.19 Cr	0.84%
Indian Railway Finance Corporation Limited	Bond - Corporate Bond	₹11.06 Cr	0.83%
Ipca Laboratories Ltd	Equity	₹11.03 Cr	0.83%
HDFC Bank Limited	Cash - CD/Time Deposit	₹9.93 Cr	0.75%
Triveni Engineering & Industries Ltd	Equity	₹9.91 Cr	0.75%
Titagarh Rail Systems Ltd	Equity	₹9.85 Cr	0.74%
Deepak Nitrite Ltd	Equity	₹9.83 Cr	0.74%
Godfrey Phillips India Ltd	Equity	₹9.77 Cr	0.74%
Balrampur Chini Mills Ltd	Equity	₹9.77 Cr	0.73%
Manappuram Finance Limited	Cash - Commercial Paper	₹9.51 Cr	0.72%
Ethos Ltd	Equity	₹9.07 Cr	0.68%
Ganesha Ecosphere Ltd	Equity	₹8.98 Cr	0.68%
Icici Securities Limited (Earlier Icici Brokerage Services Limited)	Cash - Commercial Paper	₹8.92 Cr	0.67%
Rec Limited	Bond - Corporate Bond	₹8.01 Cr	0.60%
Leela Palaces Hotels and Resorts Ltd	Equity	₹7.58 Cr	0.57%
Treps	Cash - Repurchase Agreement	₹7.45 Cr	0.56%
Arvind Ltd	Equity	₹7.2 Cr	0.54%
Power Finance Corporation Limited	Bond - Corporate Bond	₹7.08 Cr	0.53%
Radico Khaitan Ltd	Equity	₹7.07 Cr	0.53%
GE Vernova T&D India Ltd	Equity	₹6.78 Cr	0.51%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹6.57 Cr	0.49%
Castrol India Ltd	Equity	₹6.29 Cr	0.47%
Senco Gold Ltd	Equity	₹6.21 Cr	0.47%
Tata Capital Housing Finance Limited	Bond - Corporate Bond	₹6.04 Cr	0.45%
Power Finance Corporation Limited	Bond - Corporate Bond	₹6 Cr	0.45%
CMS Info Systems Ltd	Equity	₹5.55 Cr	0.42%
LIC Housing Finance Ltd	Bond - Corporate Bond	₹4.97 Cr	0.37%
Export-Import Bank Of India	Cash - CD/Time Deposit	₹4.96 Cr	0.37%
Power Finance Corporation Limited	Cash - Commercial Paper	₹4.93 Cr	0.37%
6.98% Punjab SDL 2033	Bond - Gov't/Treasury	₹4.84 Cr	0.36%
HDFC Bank Limited	Cash - CD/Time Deposit	₹4.82 Cr	0.36%
Small Industries Development Bank Of India	Bond - Corporate Bond	₹3.02 Cr	0.23%
Axis Bank Limited	Cash - CD/Time Deposit	₹2.89 Cr	0.22%
07/01/2027 Maturing 364 DTB	Bond - Gov't/Treasury	₹2.85 Cr	0.21%
Rec Limited	Bond - Corporate Bond	₹2.5 Cr	0.19%
360 One Prime Limited	Bond - Corporate Bond	₹2 Cr	0.15%
Jyoti CNC Automation Ltd	Equity	₹1.61 Cr	0.12%
Aditya Birla Real Estate Ltd	Equity	₹0.25 Cr	0.02%

Allocation By Market Cap (Equity)

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Sector	Amount	Holdings
Basic Materials	₹214.05 Cr	16.10%
Financial Services	₹200.61 Cr	15.09%
Industrials	₹184.05 Cr	13.85%
Healthcare	₹129.87 Cr	9.77%
Consumer Cyclical	₹119.39 Cr	8.98%
Technology	₹49.47 Cr	3.72%
Consumer Defensive	₹36.52 Cr	2.75%
Utilities	₹12.49 Cr	0.94%
Energy	₹6.29 Cr	0.47%
Real Estate	₹0.25 Cr	0.02%

Risk & Performance Ratios

Fund Managers

Alok Singh

Since February 2017

Additional Scheme Detailsas of 31st January 2026

ISIN

INF761K01DM6

Expense Ratio

0.71%

Exit Load

1.00%

Fund Size

₹1,329 Cr

Age

9 years 7 months

Lumpsum Minimum

₹5,000

Fund Status

Open Ended Investment Company

Benchmark

CRISIL Short Term Bond TR INR

Investment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

Capital Gains Taxation:

Dividend Taxation:

Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

Similar Aggressive Allocation Funds

Fund name	Expense Ratio	Exit Load	Fund size	1Y
iSIF Hybrid Long-Short Fund Direct Growth Very High Risk	-	1.0%	-	-
iSIF Hybrid Long-Short Fund Regular Growth Very High Risk	-	1.0%	-	-
Arudha Hybrid Long-Short Fund Direct Growth Low to Moderate Risk	-	0.0%	₹38.41 Cr	-
Arudha Hybrid Long-Short Fund Regular Growth Low to Moderate Risk	-	0.0%	₹38.41 Cr	-
Titanium Hybrid Long-Short Fund Regular Growth Very High Risk	-	1.0%	₹364.84 Cr	-
Titanium Hybrid Long-Short Fund Direct Growth Very High Risk	-	1.0%	₹364.84 Cr	-
HSBC Aggressive Hybrid Fund Direct Growth Very High Risk	0.8%	1.0%	₹5429.61 Cr	16.0%
LIC MF Aggressive Hybrid Fund Direct Growth Very High Risk	1.4%	1.0%	₹515.46 Cr	11.7%
HDFC Hybrid Equity Fund Direct Growth Very High Risk	1.0%	1.0%	₹23821.28 Cr	9.4%
HDFC Hybrid Equity Fund Regular Growth Very High Risk	1.7%	1.0%	₹23821.28 Cr	8.7%
SBI Equity Hybrid Fund Direct Growth Very High Risk	0.7%	1.0%	₹81241.59 Cr	13.6%
Sundaram Aggressive Hybrid Fund Direct Growth High Risk	0.7%	1.0%	₹7933.61 Cr	11.1%
Nippon India Equity Hybrid Fund Direct Growth Very High Risk	1.1%	1.0%	₹4024.55 Cr	13.2%
JM Equity Hybrid Fund Direct Growth Very High Risk	0.8%	1.0%	₹753.46 Cr	6.5%
HSBC Aggressive Hybrid Fund Regular Growth Very High Risk	1.9%	1.0%	₹5429.61 Cr	14.8%
Union Hybrid Equity Fund Regular Growth Very High Risk	2.4%	1.0%	₹683.35 Cr	12.4%
Union Hybrid Equity Fund Direct Growth Very High Risk	1.3%	1.0%	₹683.35 Cr	13.9%
Bank of India Mid & Small Cap Equity & Debt Direct Growth Very High Risk	0.7%	1.0%	₹1329.20 Cr	14.2%
Bank of India Mid & Small Cap Equity & Debt Regular Growth Very High Risk	2.0%	1.0%	₹1329.20 Cr	12.6%
Mirae Asset Hybrid Equity Fund Regular Growth Very High Risk	1.7%	1.0%	₹9404.54 Cr	15.0%
Mirae Asset Hybrid Equity Fund Direct Growth Very High Risk	0.4%	1.0%	₹9404.54 Cr	16.5%
Kotak Equity Hybrid Fund Regular Growth Very High Risk	1.7%	1.0%	₹8431.47 Cr	13.2%
Kotak Equity Hybrid Fund Direct Growth Very High Risk	0.5%	1.0%	₹8431.47 Cr	14.6%
Invesco India Equity & Bond Fund Regular Growth High Risk	2.2%	1.0%	₹799.68 Cr	5.8%
Invesco India Equity & Bond Fund Direct Growth High Risk	0.7%	1.0%	₹799.68 Cr	7.5%
Axis Equity Hybrid Fund Regular Growth High Risk	2.2%	1.0%	₹1497.28 Cr	9.6%
Axis Equity Hybrid Fund Direct Growth High Risk	1.1%	1.0%	₹1497.28 Cr	10.8%
Navi Equity Hybrid Fund Direct Growth Very High Risk	0.5%	0.0%	₹110.47 Cr	11.7%
Navi Equity Hybrid Fund Regular Growth Very High Risk	2.3%	0.0%	₹110.47 Cr	9.7%
UTI Hybrid Equity Fund Direct Growth Very High Risk	1.2%	1.0%	₹6654.14 Cr	10.7%
Aditya Birla Sun Life Equity Hybrid '95 Fund Direct Growth Very High Risk	1.1%	1.0%	₹7334.37 Cr	12.2%
ICICI Prudential Equity & Debt Fund Direct Growth Very High Risk	0.9%	1.0%	₹49256.66 Cr	15.2%
Canara Robeco Equity Hybrid Fund Direct Growth Very High Risk	0.6%	1.0%	₹11163.75 Cr	13.3%
Tata Hybrid Equity Fund Direct Growth Very High Risk	1.0%	0.0%	₹4032.86 Cr	11.1%
Baroda BNP Paribas Aggressive Hybrid Fund Direct Growth Very High Risk	0.5%	1.0%	₹1242.61 Cr	10.6%
Baroda BNP Paribas Aggressive Hybrid Fund Regular Growth Very High Risk	2.1%	1.0%	₹1242.61 Cr	8.9%
DSP Equity & Bond Fund Direct Growth High Risk	0.7%	1.0%	₹11861.15 Cr	9.3%
PGIM India Hybrid Equity Fund Direct Growth High Risk	0.8%	0.0%	₹208.32 Cr	7.2%
Edelweiss Aggressive Hybrid Fund Direct Growth Very High Risk	0.4%	1.0%	₹3453.04 Cr	12.5%
Quant Absolute Fund Direct Growth Very High Risk	0.8%	1.0%	₹1957.98 Cr	14.9%
Franklin India Equity Hybrid Fund Direct Growth Very High Risk	0.9%	1.0%	₹2340.81 Cr	9.3%
Motilal Oswal Equity Hybrid Fund Direct Growth Very High Risk	0.9%	1.0%	₹417.89 Cr	18.4%
Motilal Oswal Equity Hybrid Fund Regular Growth Very High Risk	2.4%	1.0%	₹417.89 Cr	16.6%
Aditya Birla Sun Life Equity Hybrid '95 Fund Regular Growth Very High Risk	1.9%	1.0%	₹7334.37 Cr	11.3%
LIC MF Aggressive Hybrid Fund Regular Growth Very High Risk	2.5%	1.0%	₹515.46 Cr	10.5%
Sundaram Aggressive Hybrid Fund Regular Growth High Risk	1.8%	1.0%	₹7933.61 Cr	9.9%
JM Equity Hybrid Fund Regular Growth Very High Risk	2.3%	1.0%	₹753.46 Cr	4.8%
Groww Aggressive Hybrid Fund Direct Growth Very High Risk	1.4%	1.0%	₹49.58 Cr	12.3%
Groww Aggressive Hybrid Fund Regular Growth Very High Risk	2.4%	1.0%	₹49.58 Cr	11.0%
ICICI Prudential Equity & Debt Fund Regular Growth Very High Risk	1.5%	1.0%	₹49256.66 Cr	14.5%

About the AMC

BOI Mutual Fund

+91 22 40479000

https://www.boimf.in/

Total AUM

₹13,696 Cr

Address

B/204, Tower 1, Peninsula Corporate Park, Mumbai, 400 013

Other Funds by BOI Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Bank of India Banking and Financial Services Fund Direct Growth Very High Risk	-	1.0%	-	-
Bank of India Mid Cap Fund Direct Growth Very High Risk	1.1%	1.0%	₹666.84 Cr	-
Bank of India Money Market Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹339.40 Cr	7.3%
Bank of India Consumption Fund Direct Growth Very High Risk	1.1%	1.0%	₹377.95 Cr	14.0%
Bank of India Business Cycle Fund Direct Growth Very High Risk	1.0%	1.0%	₹463.92 Cr	8.0%
Bank of India Multi Asset Allocation Fund Direct Growth Very High Risk	0.8%	1.0%	₹340.93 Cr	18.9%
Bank of India Midcap Tax Fund Series 1 Direct Growth Very High Risk	-	0.0%	₹62.46 Cr	14.3%
Bank of India Midcap Tax Fund Series 2 Direct Growth Very High Risk	-	0.0%	₹32.49 Cr	11.9%
Bank of India Mid & Small Cap Equity & Debt Direct Growth Very High Risk	0.7%	1.0%	₹1329.20 Cr	14.2%
Bank of India Conservative Hybrid Fund Direct Growth Moderate Risk	1.2%	1.0%	₹64.44 Cr	7.5%
Bank of India Balanced Advantage Fund Direct Growth Very High Risk	1.1%	1.0%	₹143.75 Cr	13.2%
Bank of India Multi Cap Fund Direct Growth Very High Risk	0.8%	1.0%	₹989.01 Cr	17.6%
Bank of India Bluechip Fund Direct Growth Very High Risk	0.9%	1.0%	₹206.75 Cr	19.9%
Bank of India Flexi Cap Fund Direct Growth Very High Risk	0.5%	1.0%	₹2167.16 Cr	16.4%
Bank of India Large & Mid Cap Equity Fund Direct Growth Very High Risk	1.1%	1.0%	₹445.91 Cr	16.9%
Bank of India Liquid Direct Growth Low to Moderate Risk	0.1%	0.0%	₹1837.03 Cr	6.4%
Bank of India S/T Income Direct Growth Low to Moderate Risk	0.5%	0.0%	₹293.02 Cr	7.1%
Bank of India Manufacturing and Infrastructure fund Direct Growth Very High Risk	0.6%	1.0%	₹661.33 Cr	23.1%
Bank of India Tax Advantage Fund Direct Growth Very High Risk	0.8%	0.0%	₹1373.70 Cr	13.8%
Bank of India Ultra Short Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹174.45 Cr	6.7%
Bank of India Credit Risk Fund Direct Growth Moderately High risk	1.0%	4.0%	₹110.95 Cr	12.1%
Bank of India Small Cap Fund Direct Growth Very High Risk	0.5%	1.0%	₹1829.19 Cr	10.1%
Bank of India Overnight Fund Direct Growth Low Risk	0.1%	0.0%	₹75.59 Cr	5.7%
Bank of India Arbitrage Fund Direct Growth Low Risk	0.4%	0.0%	₹47.24 Cr	6.3%

Risk Level

Your principal amount will be at Very High Risk

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What is the current NAV of Bank of India Mid & Small Cap Equity & Debt Direct Growth?

The NAV of Bank of India Mid & Small Cap Equity & Debt Direct Growth, as of 20-Feb-2026, is ₹42.00.

What are the returns of Bank of India Mid & Small Cap Equity & Debt Direct Growth?

The fund has generated 14.16% over the last 1 year and 19.99% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.

What is the portfolio composition of Bank of India Mid & Small Cap Equity & Debt Direct Growth?

The fund's allocation of assets is distributed as 71.70% in equities, 13.38% in bonds, and 14.93% in cash and cash equivalents.

Who manages the Bank of India Mid & Small Cap Equity & Debt Direct Growth?

The fund managers responsible for Bank of India Mid & Small Cap Equity & Debt Direct Growth are:-

Alok Singh

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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Bank of India Mid & Small Cap Equity & Debt Direct Growth

Fund Overview