BANK OF INDIA SMALL CAP FUND - Regular Plan - Growth

Equity Equity Small Cap

Fund House : BANK OF INDIA MUTUAL FUND

NAV (as on 03 Feb 2025)

44.20 2.10%

Fund Size (Total Assets)

Expense Ratio (Regular)

Expense Ratio (Direct)

Returns

Scheme Details

Portfolio

SIP Calculator

Analysis

SIP Returns

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Abso Returns	Annualised Returns
One Week	2025-02-02	1,000.00	1,021.02	2.10 %	28.36 %
Two Week	2025-01-22	1,000.00	990.59	-0.94 %	-10.73 %
1 Month	2025-01-07	1,000.00	906.67	-9.33 %	-69.14 %
Three Months	2024-11-10	3,000.00	2,763.41	-7.89 %	-28.01 %
Six Months	2024-08-11	6,000.00	5,446.80	-9.22 %	-17.59 %
One Year	2024-02-07	12,000.00	11,890.98	-0.91 %	-0.91 %
Three Year	2022-02-07	35,000.00	48,561.82	38.75 %	11.88 %
Five Year	2020-02-09	58,000.00	114,769.73	97.88 %	15.17 %
Ten Year	2018-12-18	72,000.00	172,275.54	139.27 %	15.65 %
Since Inception	2018-12-18	72,000.00	172,275.54	139.27 %	15.65 %

Scheme Objective

Scheme Details

Fund manager(s) : Mr. Dhruv Bhatia (Over 11 years),
Expense ration regular : -
Expense ration direct : -
Launch date : -
Benchmark : -

Min SIP amount : -
Max SIP amount : -
Min investment amount (one time- first time) : -
Type : equity

Exit load

1% if redeemed within 1 year for amounts exceeding 10% of initial units.

Portfolio Summary

Company Name	Sector	Sector Type	Nav(in %)
Kaynes Technology India Limited	Industrial Manufacturing	Equity	2.07
Titagarh Rail Systems Limited	Industrial Manufacturing	Equity	1.98
Jyoti CNC Automation Ltd	Industrial Manufacturing	Equity	1.96
Praj Industries Limited	Industrial Manufacturing	Equity	1.27
Jupiter Wagons Limited	Industrial Manufacturing	Equity	1.06
Shanthi Gears Limited	Industrial Manufacturing	Equity	0.88
KSB Limited	Industrial Products	Equity	1.90
KEI Industries Limited	Industrial Products	Equity	1.55
HEG Limited	Industrial Products	Equity	1.09
SKF India Limited	Industrial Products	Equity	1.08
Apollo Pipes Limited	Industrial Products	Equity	0.86
Ratnamani Metals & Tubes Limited	Industrial Products	Equity	0.72
R R Kabel Limited	Industrial Products	Equity	0.66
Ami Organics Limited	Pharmaceuticals & Biotechnology	Equity	2.36
Granules India Limited	Pharmaceuticals & Biotechnology	Equity	2.21
Eris Lifesciences Limited	Pharmaceuticals & Biotechnology	Equity	2.01
Suven Pharmaceuticals Limited	Pharmaceuticals & Biotechnology	Equity	1.20
Amara Raja Energy & Mobility Ltd	Auto Components	Equity	2.38
Jamna Auto Industries Limited	Auto Components	Equity	1.85
Craftsman Automation Limited	Auto Components	Equity	1.26
Jtekt India Limited	Auto Components	Equity	0.86
Tube Investments of India Limited	Auto Components	Equity	0.68
Arvind Limited	Textiles & Apparels	Equity	2.08
Welspun Living Limited	Textiles & Apparels	Equity	1.59
Ganesha Ecosphere Limited	Textiles & Apparels	Equity	1.45
Nuvama Wealth Management Limited	Capital Markets	Equity	1.82
Central Depository Services (India) Limited	Capital Markets	Equity	1.81
Prudent Corporate Advisory Services Limited	Capital Markets	Equity	1.12
TD Power Systems Limited	Electrical Equipment	Equity	1.85
Hitachi Energy India Limited	Electrical Equipment	Equity	1.25
Schneider Electric Infrastructure Limited	Electrical Equipment	Equity	1.20
PCBL Limited	Chemicals & Petrochemicals	Equity	1.87
Linde India Limited	Chemicals & Petrochemicals	Equity	1.27
Galaxy Surfactants Limited	Chemicals & Petrochemicals	Equity	1.04
Senco Gold Limited	Consumer Durables	Equity	1.52
Metro Brands Limited	Consumer Durables	Equity	1.03
PG Electroplast Limited	Consumer Durables	Equity	0.79
ETHOS LTD.	Consumer Durables	Equity	0.61
Avenue Supermarts Limited	Retailing	Equity	2.15
Cartrade Tech Limited	Retailing	Equity	1.63
Indian Bank	Banks	Equity	1.57
Utkarsh Small Finance Bank Ltd	Banks	Equity	1.05
Canara Bank	Banks	Equity	1.04
KNR Constructions Limited	Construction	Equity	2.04
IRCON International Limited	Construction	Equity	1.59
Vijaya Diagnostic Centre Limited	Healthcare Services	Equity	2.36
Krishna Institute Of Medical Sciences Limited	Healthcare Services	Equity	0.84
Cholamandalam Financial Holdings Limited	Finance	Equity	1.92
Housing & Urban Development Corporation Limited	Finance	Equity	1.17
Latent View Analytics Limited	IT - Software	Equity	1.70
Rategain Travel Technologies Limited	IT - Software	Equity	1.39
Castrol India Limited	Others	Equity	2.64
Century Textiles & Industries Limited	Others	Equity	1.92
Radico Khaitan Limited	Others	Equity	1.84
CMS Info System Limited	Others	Equity	1.82
Mrs. Bectors Food Specialities Limited	Others	Equity	1.41
Hero MotoCorp Limited	Others	Equity	1.35
Poly Medicure Limited	Others	Equity	1.35
Vodafone Idea Limited	Others	Equity	1.26
EID Parry India Limited	Others	Equity	1.22
Jyothy Labs Limited	Others	Equity	1.18
Tejas Networks Limited	Others	Equity	1.09
Sanstar Ltd	Others	Equity	1.02
Aegis Logistics Limited	Others	Equity	0.99
Lemon Tree Hotels Limited	Others	Equity	0.94
Balrampur Chini Mills Limited	Others	Equity	0.82
TeamLease Services Limited	Others	Equity	0.73
Mahindra Lifespace Developers Limited	Others	Equity	0.71
AXISCADES Technologies Limited	Others	Equity	0.32
Treasury Bill 364 Days Tbill (MD 30/01/2025)	Government Bond and Treasury Bill	Debt	0.01
Net Receivables/Payables	Cash & Cash Equivalent	Cash	0.73
TREPS / Reverse Repo Investments	Cash & Cash Equivalent	Cash	2.01

Risk Ratios

Standard Deviation

15.19

Beta

0.77

Sharpe Ratio

1.28

Lock In Period

Residual Maturity

Standard Deviation:

Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).

Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.

Beta:

Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.

Low beta = Less sensitive to market changes → Great for investors with less market exposure.
High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.

Sharpe Ratio:

The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.

A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
Use it to compare different funds' efficiency in generating returns relative to the risk taken.

Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

Most ELSS mutual fund holders hold for 3 years.
Tax savings FDs lock in for 5 years.
The lock-in period for 8% Government of India bond investment is 6 years.
ULIPs must be locked in for 5 years.
The average hedge fund holding period is 30-90 days.
The average PPF investor holds onto their money for 15 years.

Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.

FAQs

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BANK OF INDIA SMALL CAP FUND - Regular Plan - Growth

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