Bank of India Small Cap Fund Direct Growth

Fund Overview

Fund Size

₹1,939 Cr

Expense Ratio

0.53%

ISIN

INF761K01EP7

Minimum SIP

₹1,000

Exit Load

1.00%

Inception Date

19 Dec 2018

About this fund

Bank of India Small Cap Fund Direct Growth is a Small-Cap mutual fund schemes offered by BOI Mutual Fund. This fund has been in existence for 7 years, 1 months and 4 days, having been launched on 19-Dec-18.
As of 22-Jan-26, it has a Net Asset Value (NAV) of ₹47.22, Assets Under Management (AUM) of 1938.92 Crores, and an expense ratio of 0.53%.

Bank of India Small Cap Fund Direct Growth has given a CAGR return of 24.46% since inception.
The fund's asset allocation comprises around 94.92% in equities, 1.21% in debts, and 3.87% in cash & cash equivalents.
You can start investing in Bank of India Small Cap Fund 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

-3.73%

— (Cat Avg.)

3 Years

+18.39%

+17.40% (Cat Avg.)

5 Years

+22.65%

+20.96% (Cat Avg.)

Since Inception

+24.46%

— (Cat Avg.)

Portfolio Summaryas of 31st December 2025

Equity	₹1,840.41 Cr	94.92%
Debt	₹23.49 Cr	1.21%
Others	₹75.02 Cr	3.87%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
Wockhardt Ltd	Equity	₹63.63 Cr	3.28%
Indian Bank	Equity	₹60.37 Cr	3.11%
CreditAccess Grameen Ltd Ordinary Shares	Equity	₹58.06 Cr	2.99%
Lloyds Metals & Energy Ltd	Equity	₹56.16 Cr	2.90%
Acutaas Chemicals Ltd	Equity	₹52.51 Cr	2.71%
FIEM Industries Ltd	Equity	₹48.37 Cr	2.49%
TD Power Systems Ltd	Equity	₹47.39 Cr	2.44%
Housing & Urban Development Corp Ltd	Equity	₹45.63 Cr	2.35%
Sky Gold and Diamonds Ltd	Equity	₹44.71 Cr	2.31%
City Union Bank Ltd	Equity	₹43.18 Cr	2.23%
Eris Lifesciences Ltd Registered Shs	Equity	₹43.13 Cr	2.22%
Quality Power Electrical Equipments Ltd	Equity	₹41.29 Cr	2.13%
Ambuja Cements Ltd	Equity	₹39.89 Cr	2.06%
Apar Industries Ltd	Equity	₹37.65 Cr	1.94%
Radico Khaitan Ltd	Equity	₹37.6 Cr	1.94%
Carraro India Ltd	Equity	₹33.54 Cr	1.73%
Vijaya Diagnostic Centre Ltd	Equity	₹33.42 Cr	1.72%
NTPC Green Energy Ltd	Equity	₹33.08 Cr	1.71%
ZF Commercial Vehicle Control Systems India Ltd	Equity	₹32.73 Cr	1.69%
Anand Rathi Wealth Ltd	Equity	₹32.68 Cr	1.69%
Steel Authority Of India Ltd	Equity	₹32.63 Cr	1.68%
Shreeji Shipping Global Ltd	Equity	₹32.48 Cr	1.67%
Stylam Industries Ltd	Equity	₹32.29 Cr	1.67%
Cemindia Projects Ltd	Equity	₹31.22 Cr	1.61%
Shakti Pumps (India) Ltd	Equity	₹30.58 Cr	1.58%
TVS Srichakra Ltd	Equity	₹29.79 Cr	1.54%
Arvind Ltd	Equity	₹28.38 Cr	1.46%
Treps	Cash - Repurchase Agreement	₹27.72 Cr	1.43%
Allied Blenders and Distillers Ltd	Equity	₹26.08 Cr	1.34%
SBI Cards and Payment Services Ltd Ordinary Shares	Equity	₹26.02 Cr	1.34%
Nuvama Wealth Management Ltd	Equity	₹25.91 Cr	1.34%
Sanathan Textiles Ltd	Equity	₹25.69 Cr	1.33%
Hitachi Energy India Ltd Ordinary Shares	Equity	₹25.63 Cr	1.32%
Zaggle Prepaid Ocean Services Ltd	Equity	₹24.42 Cr	1.26%
Syrma SGS Technology Ltd	Equity	₹24.27 Cr	1.25%
Prudent Corporate Advisory Services Ltd	Equity	₹23.88 Cr	1.23%
VIkran Engineering Ltd	Equity	₹23.88 Cr	1.23%
HEG Ltd	Equity	₹23.71 Cr	1.22%
Bank Of Baroda	Cash - CD/Time Deposit	₹23.63 Cr	1.22%
Small Industries Development Bank of India	Bond - Corporate Bond	₹23.49 Cr	1.21%
Computer Age Management Services Ltd Ordinary Shares	Equity	₹22.77 Cr	1.17%
Krishna Institute of Medical Sciences Ltd	Equity	₹22.32 Cr	1.15%
Goodluck India Ltd	Equity	₹21.75 Cr	1.12%
ICICI Prudential Asset Management Co Ltd	Equity	₹20.76 Cr	1.07%
Aequs Ltd	Equity	₹20.54 Cr	1.06%
Tinna Rubber & Infrastructure Ltd	Equity	₹19.95 Cr	1.03%
Siemens Energy India Ltd	Equity	₹19.61 Cr	1.01%
KSH International Ltd	Equity	₹19.55 Cr	1.01%
Titagarh Rail Systems Ltd	Equity	₹18.82 Cr	0.97%
Wework India Management Ltd	Equity	₹18.33 Cr	0.95%
Vidya Wires Ltd	Equity	₹18.18 Cr	0.94%
Godavari Biorefineries Ltd	Equity	₹18.07 Cr	0.93%
Steelcast Ltd	Equity	₹17.83 Cr	0.92%
Unicommerce eSolutions Ltd	Equity	₹16.81 Cr	0.87%
Ganesha Ecosphere Ltd	Equity	₹16.5 Cr	0.85%
Balrampur Chini Mills Ltd	Equity	₹16.05 Cr	0.83%
Ethos Ltd	Equity	₹15.25 Cr	0.79%
E I D Parry India Ltd	Equity	₹14.49 Cr	0.75%
Senco Gold Ltd	Equity	₹14.04 Cr	0.72%
Aditya Birla Real Estate Ltd	Equity	₹13.42 Cr	0.69%
Union Bank Of India	Cash - CD/Time Deposit	₹12.37 Cr	0.64%
CMS Info Systems Ltd	Equity	₹12.36 Cr	0.64%
Laxmi Dental Ltd	Equity	₹12.33 Cr	0.64%
Castrol India Ltd	Equity	₹12.1 Cr	0.62%
KSB Ltd	Equity	₹11.93 Cr	0.62%
Gufic Biosciences Ltd	Equity	₹11.88 Cr	0.61%
Atlanta Electricals Ltd	Equity	₹10.61 Cr	0.55%
Vinati Organics Ltd	Equity	₹9 Cr	0.46%
Poly Medicure Ltd	Equity	₹8.87 Cr	0.46%
Rane Holdings Ltd	Equity	₹7.92 Cr	0.41%
Clean Science and Technology Ltd	Equity	₹7.8 Cr	0.40%
Kotak Mahindra Bank Ltd	Cash - Commercial Paper	₹7.4 Cr	0.38%
Central Depository Services (India) Ltd	Equity	₹6.35 Cr	0.33%
Advanced Enzyme Technologies Ltd	Equity	₹4.66 Cr	0.24%
364 DTB 15012026	Bond - Gov't/Treasury	₹2.99 Cr	0.15%
Mrs Bectors Food Specialities Ltd Ordinary Shares	Equity	₹2.88 Cr	0.15%
Cholamandalam Financial Holdings Ltd	Equity	₹1.79 Cr	0.09%
Kaynes Technology India Ltd	Equity	₹1.61 Cr	0.08%
PG Electroplast Ltd	Equity	₹1.15 Cr	0.06%
Net Receivables / (Payables)	Cash	₹0.9 Cr	0.05%
Kernex Microsystems (India) Ltd	Equity	₹0.16 Cr	0.01%
Sanstar Ltd	Equity	₹0.14 Cr	0.01%

Allocation By Market Cap (Equity)

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Sector	Amount	Holdings
Industrials	₹405.8 Cr	20.93%
Financial Services	₹344.63 Cr	17.77%
Consumer Cyclical	₹329.21 Cr	16.98%
Basic Materials	₹294.86 Cr	15.21%
Healthcare	₹195.59 Cr	10.09%
Technology	₹91.18 Cr	4.70%
Consumer Defensive	₹82.61 Cr	4.26%
Utilities	₹52.69 Cr	2.72%
Real Estate	₹31.74 Cr	1.64%
Energy	₹12.1 Cr	0.62%

Risk & Performance Ratios

Fund Managers

Alok Singh

Since October 2024

Nav Bhardwaj

Since July 2025

Additional Scheme Detailsas of 31st December 2025

ISIN

INF761K01EP7

Expense Ratio

0.53%

Exit Load

1.00%

Fund Size

₹1,939 Cr

Age

7 years 1 month

Lumpsum Minimum

₹5,000

Fund Status

Open Ended Investment Company

Benchmark

Nifty Smallcap 250 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 Small-Cap Funds

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Groww Small Cap Fund Direct Growth Very High Risk	-	1.0%	-	-
Groww Small Cap Fund Regular Growth Very High Risk	-	1.0%	-	-
Helios Small Cap Fund Regular Growth Very High Risk	2.4%	1.0%	₹621.21 Cr	-
Helios Small Cap Fund Direct Growth Very High Risk	0.7%	1.0%	₹621.21 Cr	-
Samco Small Cap Fund Direct Growth Very High Risk	-	1.0%	₹1505.21 Cr	-
Samco Small Cap Fund Regular Growth Very High Risk	-	1.0%	₹1505.21 Cr	-
Groww Nifty Smallcap 250 ETF Very High Risk	0.3%	-	₹10.56 Cr	-
Bajaj Finserv Small Cap Fund Direct Growth Very High Risk	0.6%	0.0%	₹1574.79 Cr	-
Bajaj Finserv Small Cap Fund Regular Growth Very High Risk	2.0%	0.0%	₹1574.79 Cr	-
Mirae Asset Small Cap Fund Regular Growth Very High Risk	1.9%	1.0%	₹3037.66 Cr	-
Mirae Asset Small Cap Fund Direct Growth Very High Risk	0.3%	1.0%	₹3037.66 Cr	-
TrustMF Small Cap Fund Direct Growth Very High Risk	0.5%	1.0%	₹1325.12 Cr	5.8%
TrustMF Small Cap Fund Regular Growth Very High Risk	2.1%	1.0%	₹1325.12 Cr	4.1%
JM Small Cap Fund Regular Growth Very High Risk	2.3%	1.0%	₹702.76 Cr	-4.9%
JM Small Cap Fund Direct Growth Very High Risk	0.6%	1.0%	₹702.76 Cr	-3.3%
Motilal Oswal Nifty Smallcap 250 ETF Very High Risk	0.3%	-	₹144.01 Cr	-3.4%
Motilal Oswal Small Cap Fund Regular Growth Very High Risk	1.8%	1.0%	₹5837.46 Cr	-3.5%
Motilal Oswal Small Cap Fund Direct Growth Very High Risk	0.7%	1.0%	₹5837.46 Cr	-2.3%
Quantum Small Cap Fund Direct Growth Very High Risk	0.7%	1.0%	₹177.55 Cr	8.5%
Quantum Small Cap Fund Regular Growth Very High Risk	2.2%	1.0%	₹177.55 Cr	7.0%
Baroda BNP Paribas Small Cap Fund Direct Growth Very High Risk	0.9%	1.0%	₹1219.17 Cr	1.3%
Baroda BNP Paribas Small Cap Fund Regular Growth Very High Risk	2.1%	1.0%	₹1219.17 Cr	0.1%
Sundaram Emerging Small Cap - Series VI Regular Growth Low Risk	1.3%	0.0%	₹45.47 Cr	7.2%
Sundaram Emerging Small Cap - Series VI Direct Growth Low Risk	0.8%	0.0%	₹45.47 Cr	7.8%
Sundaram Emerging Small Cap - Series VII Regular Growth Low Risk	1.4%	0.0%	₹159.75 Cr	10.9%
Sundaram Emerging Small Cap - Series VII Direct Growth Low Risk	1.0%	0.0%	₹159.75 Cr	11.3%
Sundaram Emerging Small Cap - Series V Regular Growth Low Risk	1.3%	0.0%	₹83.88 Cr	6.9%
Sundaram Emerging Small Cap - Series V Direct Growth Low Risk	0.8%	0.0%	₹83.88 Cr	7.5%
Sundaram Long Term Micro Cap Tax Advantage Fund Series VI Direct Growth Very High Risk	1.2%	0.0%	₹35.85 Cr	2.9%
Sundaram Long Term Micro Cap Tax Advantage Fund Series VI Regular Growth Very High Risk	1.4%	0.0%	₹35.85 Cr	2.7%
Union Small Cap Fund Regular Growth Very High Risk	2.1%	1.0%	₹1743.98 Cr	0.6%
Union Small Cap Fund Direct Growth Very High Risk	1.0%	1.0%	₹1743.98 Cr	1.7%
HDFC Small Cap Fund Direct Growth Very High Risk	0.7%	1.0%	₹37753.13 Cr	2.9%
Kotak Small Cap Fund Direct Growth Very High Risk	0.6%	1.0%	₹17257.64 Cr	-6.5%
ICICI Prudential Smallcap Fund Direct Growth Very High Risk	0.8%	1.0%	₹8427.64 Cr	0.8%
Nippon India Small Cap Fund Direct Growth Very High Risk	0.6%	1.0%	₹68287.15 Cr	-1.7%
Nippon India Small Cap Fund Regular Growth Very High Risk	1.4%	1.0%	₹68287.15 Cr	-2.5%
Invesco India Smallcap Fund Direct Growth Very High Risk	0.4%	1.0%	₹9224.64 Cr	2.5%
Invesco India Smallcap Fund Regular Growth Very High Risk	1.7%	1.0%	₹9224.64 Cr	1.2%
ICICI Prudential Smallcap Fund Regular Growth Very High Risk	1.8%	1.0%	₹8427.64 Cr	-0.3%
ITI Small Cap Fund Regular Growth Very High Risk	1.9%	0.0%	₹2793.05 Cr	-0.5%
ITI Small Cap Fund Direct Growth Very High Risk	0.4%	0.0%	₹2793.05 Cr	1.0%
Mahindra Manulife Small Cap Fund Regular Growth Very High Risk	1.8%	1.0%	₹4223.69 Cr	-0.2%
Mahindra Manulife Small Cap Fund Direct Growth Very High Risk	0.4%	1.0%	₹4223.69 Cr	1.2%
Canara Robeco Small Cap Fund Regular Growth Very High Risk	1.7%	1.0%	₹13101.97 Cr	-0.8%
Canara Robeco Small Cap Fund Direct Growth Very High Risk	0.5%	1.0%	₹13101.97 Cr	0.4%
Aditya Birla Sun Life Small Cap Fund Regular Growth Very High Risk	1.9%	1.0%	₹4937.52 Cr	-0.0%
DSP Small Cap Fund Regular Growth Very High Risk	1.7%	1.0%	₹16934.59 Cr	-0.1%
UTI Small Cap Fund Regular Growth Very High Risk	1.9%	1.0%	₹4736.67 Cr	-3.2%
UTI Small Cap Fund Direct Growth Very High Risk	0.6%	1.0%	₹4736.67 Cr	-2.0%

About the AMC

BOI Mutual Fund

+91 22 40479000

https://www.boimf.in/

Total AUM

₹13,878 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%	₹683.84 Cr	-
Bank of India Money Market Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹368.88 Cr	-
Bank of India Consumption Fund Direct Growth Very High Risk	1.1%	1.0%	₹415.19 Cr	8.1%
Bank of India Business Cycle Fund Direct Growth Very High Risk	1.0%	1.0%	₹503.00 Cr	-3.1%
Bank of India Multi Asset Allocation Fund Direct Growth Very High Risk	0.9%	1.0%	₹344.16 Cr	15.4%
Bank of India Midcap Tax Fund Series 1 Direct Growth Very High Risk	-	0.0%	₹62.46 Cr	3.8%
Bank of India Midcap Tax Fund Series 2 Direct Growth Very High Risk	-	0.0%	₹32.49 Cr	4.2%
Bank of India Mid & Small Cap Equity & Debt Direct Growth Very High Risk	0.7%	1.0%	₹1349.38 Cr	4.4%
Bank of India Conservative Hybrid Fund Direct Growth Moderate Risk	1.2%	1.0%	₹65.30 Cr	5.3%
Bank of India Balanced Advantage Fund Direct Growth Very High Risk	1.0%	1.0%	₹146.37 Cr	10.6%
Bank of India Multi Cap Fund Direct Growth Very High Risk	0.8%	1.0%	₹1013.29 Cr	9.9%
Bank of India Bluechip Fund Direct Growth Very High Risk	0.7%	1.0%	₹209.59 Cr	12.7%
Bank of India Flexi Cap Fund Direct Growth Very High Risk	0.5%	1.0%	₹2243.99 Cr	6.3%
Bank of India Large & Mid Cap Equity Fund Direct Growth Very High Risk	0.8%	1.0%	₹456.41 Cr	9.2%
Bank of India Liquid Direct Growth Low to Moderate Risk	0.1%	0.0%	₹1107.10 Cr	6.5%
Bank of India S/T Income Direct Growth Low to Moderate Risk	0.5%	0.0%	₹290.76 Cr	7.2%
Bank of India Manufacturing and Infrastructure fund Direct Growth Very High Risk	0.6%	1.0%	₹673.53 Cr	9.7%
Bank of India Tax Advantage Fund Direct Growth Very High Risk	0.8%	0.0%	₹1401.86 Cr	2.5%
Bank of India Ultra Short Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹158.66 Cr	6.8%
Bank of India Credit Risk Fund Direct Growth Moderately High risk	1.0%	4.0%	₹106.96 Cr	12.0%
Bank of India Small Cap Fund Direct Growth Very High Risk	0.5%	1.0%	₹1938.92 Cr	-3.7%
Bank of India Overnight Fund Direct Growth Low Risk	0.1%	0.0%	₹81.41 Cr	5.8%
Bank of India Arbitrage Fund Direct Growth Low Risk	0.4%	0.0%	₹42.86 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 Small Cap Fund Direct Growth?

The NAV of Bank of India Small Cap Fund Direct Growth, as of 22-Jan-2026, is ₹47.22.

What are the returns of Bank of India Small Cap Fund Direct Growth?

The fund has generated -3.73% over the last 1 year and 18.39% 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 Small Cap Fund Direct Growth?

The fund's allocation of assets is distributed as 94.92% in equities, 1.21% in bonds, and 3.87% in cash and cash equivalents.

Who manages the Bank of India Small Cap Fund Direct Growth?

The fund managers responsible for Bank of India Small Cap Fund Direct Growth are:-

Alok Singh
Nav Bhardwaj

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 Small Cap Fund Direct Growth

Fund Overview