MF Gyan
small capHigh risk8 years oldAccelerating recently (last 6m ≈ 95% p.a.)

BANK OF INDIA SMALL CAP FUND - Direct Plan - Growth

Invests in smaller companies (ranked 251+). Can grow the fastest, but also drops the hardest during market slumps. From Bank of India Mutual Fund. It's been running since 27 Dec 2018.

Latest price per unit
₹66.18
▲ 0.62% today
As of 4 Sep 2026 · updated once each business day

What ₹1 lakh would have become

Based on past returns
Invested 1 year ago
₹1.29 L
▲ ₹28.9k gain · 28.9% / year
Invested 3 years ago
₹1.83 L
▲ ₹83.1k gain · 22.3% / year
Invested 5 years ago
₹2.59 L
▲ ₹1.59 L gain · 21.0% / year

These are calculations from the fund's past prices, not a prediction. Real future returns can and often do differ.

SIP simulator

Play with a monthly investment

Slide the amount and switch the duration. Left column uses real past prices. Right column projects forward using this fund's historical rate — a calculation, not a prediction.

₹5.0k
Looking back · real
You would have invested₹1.80 L
Value today₹2.43 L
Gain / loss+₹63.2k
XIRR (annualised)21.61%
Looking forward · hypothetical
You would invest₹1.80 L
Would become*₹2.55 L
Projected gain*+₹74.7k
*at this fund's historical rate of 21.61% per year. Actual future returns can be different — sometimes very different.
Value Cumulative invested
Reality check. The backward SIP is real math on real past NAVs. The forward projection assumes the fund keeps up its historical rate — which rarely happens exactly. Past performance is not a promise. MF Gyan does not recommend any specific investment.
How it compares to peers

Vs 56 other funds in Equity Scheme - Small Cap Fund

Same plan
1-year return
28.85%median 12.15% (+16.71%)
Rank #5 of 57Beats 92% of peers
3-year return
22.35%median 16.20% (+6.15%)
Rank #9 of 57Beats 80% of peers
5-year return
20.99%median 15.24% (+5.75%)
Rank #1 of 57Beats 100% of peers
Bumpiness (3Y)
19.02%median 17.60% (+1.42%)
Rank #43 of 57Less risky than 25% of peers
Worst-ever drop
-32.37%median -39.86% (+7.49%)
Rank #37 of 57Less risky than 34% of peers

Descriptive rankings within the same category and plan. Not a recommendation — one fund beating another historically does not mean it will continue to do so.

Year by year

Calendar-year returns. 5 of last 7 years were positive.

+54%
2020
+71%
2021
-1%
2022
+42%
2023
+32%
2024
-8%
2025
+31%
2026
Best year
2021 · 71.33%
Worst year
2025 · -8.20%

Price over time

How the per-unit price has moved. Tap a range to zoom in.

Bumpiness & worst drops

Day-to-day bumpiness
19.0%

The value swings roughly 19% up or down in a typical year. Finance-speak calls this volatility.

Worst drop ever
-32.37%

A lump sum invested at the previous peak would have temporarily lost about this much before recovering. Finance-speak calls this max drawdown.

Similar funds you might want to look at

Same category, same plan, sorted by 3-year return. Not recommendations — just neighbours.

Head-to-head comparisons

Side-by-side comparisons of BANK OF INDIA SMALL CAP FUND - Direct Plan - Growth against other small cap funds.

Technical details (for the pros)
CAGR — 1 year28.85%
CAGR — 3 years22.35%
CAGR — 5 years20.99%
CAGR — since launch27.85%
Volatility — 1 year (annualised)16.49%
Volatility — 3 years (annualised)19.02%
Max drawdown — 1 year-15.56%
Max drawdown — 3 years-27.08%
Sharpe ratio — 1 year (rf=6%)1.21
Sharpe ratio — 3 years (rf=6%)0.77

Fund info

Fund house
Bank of India Mutual Fund
Category
Equity Scheme - Small Cap Fund
Plan
Direct
Option
Growth
ISIN (Growth)
INF761K01EP7
ISIN (Div re-invest)
—
Fund code
145678
First price on record
27 Dec 2018 · 1,896 daily prices

About BANK OF INDIA SMALL CAP FUND - Direct Plan - Growth

BANK OF INDIA SMALL CAP FUND - Direct Plan - Growth is a Equity Scheme - Small Cap Fund offered by Bank of India Mutual Fund under the Direct plan with the Growth option. It has approximately 8 years of NAV track record. The fund falls in the small cap category — Invests in smaller companies (ranked 251+). Can grow the fastest, but also drops the hardest during market slumps.

The current NAV of BANK OF INDIA SMALL CAP FUND - Direct Plan - Growth is ₹66.1800 (as of 4 Sep 2026). Historically, it has delivered 28.83% over the last year, 22.35% CAGR over 3 years, 20.99% CAGR over 5 years. Returns are historical and don't predict future performance.

Over the last three years, the fund's prices have moved with 19.0% annualised volatility — a "high" level of bumpiness; its deepest peak-to-trough fall on record was 32.4%. Being mentally prepared for drawdowns of this size is what separates long-term investors from reactive traders.

Frequently asked

What is the latest NAV of BANK OF INDIA SMALL CAP FUND - Direct Plan - Growth?+

The latest NAV of BANK OF INDIA SMALL CAP FUND - Direct Plan - Growth is ₹66.1800 as of 4 Sep 2026, up 0.62% from the previous day. NAV is updated once a business day after the market close.

What are the returns of BANK OF INDIA SMALL CAP FUND - Direct Plan - Growth?+

BANK OF INDIA SMALL CAP FUND - Direct Plan - Growth has delivered 1-year return 28.83%, 3-year CAGR 22.35%, 5-year CAGR 20.99%, since-inception CAGR 27.85%. Returns are historical and don't predict future performance — markets move in cycles.

What category does BANK OF INDIA SMALL CAP FUND - Direct Plan - Growth belong to?+

BANK OF INDIA SMALL CAP FUND - Direct Plan - Growth is categorised as Equity Scheme - Small Cap Fund. Invests in smaller companies (ranked 251+). Can grow the fastest, but also drops the hardest during market slumps.

How risky is BANK OF INDIA SMALL CAP FUND - Direct Plan - Growth?+

Based on its 3-year annualised volatility of 19.0%, BANK OF INDIA SMALL CAP FUND - Direct Plan - Growth sits in the "high" risk bucket. Volatility measures how much prices swing — higher means bigger ups and downs along the way.

Is BANK OF INDIA SMALL CAP FUND - Direct Plan - Growth a direct plan?+

BANK OF INDIA SMALL CAP FUND - Direct Plan - Growth is a Direct plan (no distributor commission — lower expense ratio) with the Growth option (all returns compound within the fund, no interim payouts).

How old is BANK OF INDIA SMALL CAP FUND - Direct Plan - Growth?+

BANK OF INDIA SMALL CAP FUND - Direct Plan - Growth has NAV history available from 27 Dec 2018 — approximately 8 years of track record and 1,896 daily NAV observations.

Numbers are computed from stored daily prices from mfapi.in/AMFI. This is descriptive analytics, not investment advice. Past performance is not indicative of future returns.