Can I invest in SIP and Lumpsum in Bank of India Small Cap Fund (G) Direct Growth?

Yes, you can invest both lumpsum and SIP in Bank of India Small Cap Fund (G). Minimum lumpsum investment Bank of India Small Cap Fund (G) is ₹5,000 and minimum SIP amount is ₹1,000 . Lumpsum option is ideal for investors with higher investible corpus and market experience. SIP option is recommended for retail investors who do not have the time or expertise to time the market.

What is the NAV of Bank of India Small Cap Fund (G) Direct Growth?

The latest NAV ( Net Asset Value ) of Bank of India Small Cap Fund (G) is Bank of India Small Cap Fund (G) is ₹43.16 as on 2025-04-17.

Which are the biggest stock holdings of Bank of India Small Cap Fund (G)?

The 5 biggest stock holdings of Bank of India Small Cap Fund (G) are: Lloyds Metals (3.48%), Ami Organics (2.91%), Vijaya Diagnost. (2.64%), PG Electroplast (2.56%), Cartrade Tech (2.53%)

What are the top sectors Bank of India Small Cap Fund (G) invests in?

A majority of Bank of India Small Cap Fund (G) 's AUM worth ₹1,574.18 (Cr) is invested in these 3 top sectors: Pharmaceuticals & Biotech : 10.18% Finance : 8.92% Industrial Manufacturing : 7.49%

Mutual Funds
AMC
Bank of India Small Cap Fund (G)

Bank of India Small Cap Fund (G)

Small Cap Fund

Invest Now

NAV
43.16(0.63%)
Fund Size (CR)
₹1,574.18
Expense Ratio
1.98
Scheme Type
Active Fund
Value Research

Min. investment
₹5,000
Minimum Additional Investment
₹1,000
Minimum SIP Investment
₹1,000
Minimum Withdrawal
₹1,000
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
0%
Return Since Launch
25.87%

Absolute Return: -6.74%

Annualized Return: 0%

Basic Details

Scheme Manager

Alok Singh

Bench Mark

Nifty Smallcap 250 TRI

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	9 April 2025	10852.73	8.53%	-	6.51%	4/122
1 Month	13 March 2025	11011.55	10.12%	-	7.52%	4/122
3 Month	16 January 2025	9237.56	-7.62%	-	-7.77%	70/118
6 Month	16 October 2024	8481.31	-15.19%	-	-15.74%	44/114
1 Year	16 April 2024	10860.98	8.61%	8.61%	5.94%	35/110
3 Year	13 April 2022	16166.60	61.67%	17.30%	17.18%	45/96
5 Year	16 April 2020	45676.25	356.76%	35.48%	34.69%	29/88
Since Inception	19 December 2018	42890.00	328.90%	25.87%	17.63%	14/122

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	2 May 2024	1,20,000	114029.36	-4.98%	-4.98%
3 Year	2 May 2022	3,60,000	468021.11	30.01%	9.14%
5 Year	4 May 2020	6,00,000	1072186.43	78.70%	12.31%
10 Year	-	-	-	-	-

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Expected Returns Rate (%)

Time Period (in Years)

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

5.37%

Standard Deviation

0.86%

Beta

0.59%

Sharpe Ratio

0.02%

Treynor's Ratio

0.29%

Jension's Alpha

Asset Allocation

Sector Allocation

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
Lloyds Metals	3.48%	425000	54.71	Equity	Mining & Mineral products
Ami Organics	2.91%	187571	45.78	Equity	Pharmaceuticals
Vijaya Diagnost.	2.64%	413000	41.60	Equity	Healthcare
PG Electroplast	2.56%	440000	40.33	Equity	Consumer Durables
Cartrade Tech	2.53%	241781	39.77	Equity	Retail
H U D C O	2.53%	2000000	39.89	Equity	Finance
Radico Khaitan	2.53%	164000	39.83	Equity	Alcoholic Beverages
ERIS Lifescience	2.43%	270100	38.28	Equity	Pharmaceuticals
NTPC Green	2.37%	3711496	37.34	Equity	Power Generation & Distribution
Kaynes Tech	2.26%	75000	35.61	Equity	Consumer Durables

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Motilal Oswal Small Cap Fund - Direct (G)	4166.58	6.43%	-9.92%	-11.30%	18.40%	-
Motilal Oswal Small Cap Fund - Direct (IDCW)	4166.58	6.43%	-9.92%	-11.30%	18.40%	-
Bandhan Small Cap Fund - Direct (G)	9516.16	8.15%	-5.61%	-13.83%	16.94%	26.18%
Bandhan Small Cap Fund - Direct (IDCW)	9516.16	8.14%	-5.62%	-13.83%	16.94%	26.07%
Invesco India Smallcap Fund - Direct (IDCW)	5884.64	9.78%	-6.91%	-13.12%	14.12%	22.90%

List of Schemes under Bank of India Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
Bank of India Multi Cap Fund	Equity	Very High	5.75%	0	₹778.03
Bank of India Bluechip Fund	Equity	Very High	-1.03%	3	₹184.13
Bank of India Large & Mid Cap Equity Fund	Equity	Very High	2.66%	2	₹362.39
Bank of India Small Cap Fund	Equity	Very High	10.3%	4	₹1,574.18
Bank of India Manufacturing & Infrastructure Fund	Equity	Very High	3.35%	4	₹513.93
Bank of India Business Cycle Fund	Equity	Very High	0%	0	₹514.97
Bank of India Consumption Fund	Equity	Very High	0%	0	₹388.42
Bank of India ELSS Tax Saver	Equity	Very High	-2.15%	4	₹1,319.59
Bank of India Midcap Tax Fund - Series 1	Equity	Very High	-3%	0	₹56.79
Bank of India Midcap Tax Fund - Series 2	Equity	Very High	-1.83%	0	₹29.90
Bank of India Overnight Fund	Debt	Low	6.7%	5	₹41.29
Bank of India Liquid Fund	Debt	Moderately Low	7.4%	4	₹1,523.92
Bank of India Ultra Short Duration Fund	Debt	Moderate	7.44%	1	₹154.61
Bank of India Money Market Fund	Debt	Moderately Low	0%	0	₹158.60
Bank of India Short Term Income Fund	Debt	Moderately Low	10.84%	0	₹114.11
Bank of India Credit Risk Fund	Debt	Moderately High	5.84%	2	₹110.06
Bank of India Conservative Hybrid Fund	Hybrid	Moderate	4.75%	3	₹66.49
Bank of India Mid & Small Cap Equity & Debt Fund	Hybrid	Very High	5.26%	4	₹1,067.62
Bank of India Balanced Advantage Fund	Hybrid	Very High	1.43%	2	₹132.04
Bank of India Multi Asset Allocation Fund	Hybrid	Very High	6.86%	0	₹333.32
Bank of India Arbitrage Fund	Hybrid	Low	7.47%	1	₹43.72
Bank of India Flexi Cap Fund	Equity	Very High	2.02%	4	₹1,962.03

News

Bank of India Mutual Fund announces change in Key Personnel
Bank of India Mutual Fund has announced that Mr. Subrat Kumar has been appointed as an Associate Director on the Board of the Trustee Company with effect from April 01, 2025.
Details of Mr. Subrat Kumar,
Age: 54 years
Designation: Associate Director
Qualification:' B.Sc, MBA in Finance, CAIIB
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Fund House Details & Investment Objective

Date of Incorporation

28 November 2018

Total AUM (Cr)

₹1574.18

Bank of India Small Cap Fund (G) is an Small Cap Fund-oriented fund from the renowned AMC, Bank of India Mutual Fund. Launched in 28 November 2018, this fund is managed by Alok Singh. With assets under management (AUM) worth ₹1,574.18 (Cr), as of 17 April 2025, Bank of India Small Cap Fund (G) is categorized as a Small Cap Fund within its segment. The fund has generated a return of 25.87% since its launch.
The current NAV of Bank of India Small Cap Fund (G) is ₹43.16, as on 17 April 2025. The fund's benchmark index is Nifty Smallcap 250 TRI. You can invest in Bank of India Small Cap Fund (G) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹1,000 while the minimum lumpsum investment is ₹5,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
For Redemption/switch out - of up to 10% of the initial units allotted - within 1 year from the date allotment - Nil 1.00% - If the units are swiched out within 1 year from the date of allotment of units Nil - If the units are redeemed/switched out after 1 year from the date of allotment of units. The fund has generated 17.30% and 35.48% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 97.41% in Equity, 1.56% in Debt and 1.03% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 10.18% in Pharmaceuticals & Biotech, 8.92% in Finance, 7.49% in Industrial Manufacturing, 5.32% in Debt, 5.12% in Industrial Products

FAQs

How to Invest in Bank of India Small Cap Fund (G) Direct Growth?

Bank of India Small Cap Fund (G) is a popular fund in the Small Cap Fund segment. The fund has generated a return of 25.87% since inception. Looking to invest in Bank of India Small Cap Fund (G) How about earning 1% extra return? All this is possible with m.Stock! Investing in Bank of India Small Cap Fund (G) is super easy and convenient with m.Stock. Here’s how you can begin:

Login to your m.Stock account. If you do not have an account, open m.Stock Demat account and enjoy 1% extra returns plus Zero Brokerage on Mutual Funds, Delivery & IPO.
In the ‘Menu’ section, under ‘Products’, select ‘Mutual Funds’ .
In the search bar, enter the fund name, in this case, Bank of India Small Cap Fund (G)
On the top right corner you’ll see two options – Lumpsum and SIP. You can choose either based on your risk appetite and available investible corpus.
If you choose to invest a Lumpsum: Use the Lumpsum Calculator to estimate returns, then enter the investment amount, select the payment mode mode (UPI or Netbanking), and click on ‘invest a lumpsum’. Make the payment and your lumpsum investment is complete.
If you choose the SIP route: Utilize the SIP Calculator to forecast potential growth, then enter the SIP amount, SIP date, and set up ‘Autopay’ facility.

So, why wait? Invest in Bank of India Small Cap Fund (G) today and reap the benefits of this Small Cap Fund fund!

How much returns has Bank of India Small Cap Fund (G) Direct Growth generated?

In the short term, i.e., 1 year, Bank of India Small Cap Fund (G) has generated annualised return of 8.61%. In the long-term, the fund has generated 17.30% and 35.48% in 3 and 5 years respectively. Since its inception, the fund has generated 25.87% returns.

What is the expense ratio of Bank of India Small Cap Fund (G) Direct Growth?

The expense ratio of Bank of India Small Cap Fund (G) Direct Growth is 1.98%. Expense ratio is the fees payable by investors of the scheme towards management, research and overall upkeep of the fund. The higher the expense ratio, the lower is the in-hand return for the investor. Expense ratio for direct plans is lower than regular plans, making them ideal for investors.

What is the AUM of Bank of India Small Cap Fund (G) Fund Direct Growth?

The Assets Under Management (AUM) of Bank of India Small Cap Fund (G) is ₹1,574.18 (Cr) as of 2025-04-17 AUM shows the fund’s popularity and is often indicative of fund strength.

How to redeem or withdraw money from Bank of India Small Cap Fund (G) Direct Growth?

Redeeming or selling units of Bank of India Small Cap Fund (G) is relatively simple. But before you redeem, ensure that the fund has completed the minimum lock-in period else you will be charged an exit load.

To redeem from Bank of India Small Cap Fund (G):

Login to your m.Stock account
In portfolio, your mutual fund investments will be visible under ‘MF’
Select the fund you wish to redeem from (in this case Bank of India Small Cap Fund (G)).
Click on ‘Redeem’ button
You have 2 options – redeem by units and redeem by value (you can only redeem free units)
Select units to be redeemed and click on submit.
Redemption value will be credited to your account in 2-3 working days (as per timelines set by SEBI).