Should I invest in BANK OF INDIA Flexi Cap Fund Direct Plan?

We don't give personal investment advice. BANK OF INDIA Flexi Cap Fund Direct Plan -Growth is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 23.7%. 5-year CAGR: 18.11%.

Bank of India

BANK OF INDIA Flexi Cap Fund Direct Plan -Growth

Latest NAV

₹39.2800

As of

3 Jun 2026

1,461 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.00%	+0.11%	-0.11	60 / 104	Q3
1W	-1.60%	-0.67%	-0.93	74 / 103	Q3
2W	+0.56%	+0.04%	+0.52	29 / 102	Q2
1M	-1.63%	+0.32%	-1.94	85 / 101	Q4
3M	+6.36%	+3.68%	+2.69	25 / 100	Q1
6M	+2.72%	+6.18%	-3.46	45 / 99	Q2
YTD	+2.00%	+2.47%	-0.47	34 / 99	Q2
1Y	+7.29%	+17.47%	-10.18	43 / 89	Q2
2Y	+3.10%	+10.45%	-7.34	70 / 84	Q4
3Y	+22.10%	+13.44%	+8.66	4 / 74	Q1
4Y	+20.58%	+14.31%	+6.27	3 / 38	Q1
5Y	+18.11%	+14.05%	+4.06	5 / 32	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+25.88%	+11.11%	+14.77	1 / 104	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+2.00%	-4.10%	+6.09	3 / 44
2025	+0.34%	+3.69%	-3.35	31 / 39
2024	+30.33%	+20.93%	+9.40	4 / 40
2023	+39.49%	+29.96%	+9.53	2 / 34
2022	+0.77%	+1.56%	-0.79	18 / 34
2021	+47.78%	+25.89%	+21.90	2 / 52
2020	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+26.05%

61 windows

min -5.3% · max 76.9%

87% positive

3-Year rolling

+24.83%

36 windows

min 15.3% · max 30.0%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+23.41%

12 windows

min 18.1% · max 29.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

17.86%

3-year · annualised

Sharpe ratio

0.86

vs risk-free 6.5%

Sortino ratio

1.52

Downside-only deviation

Max drawdown

-23.73%

Dec 2024 → Feb 2025

% positive months

63.9%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Flexi Cap Fund

Scheme	Fund house	NAV	As of
HDFC Flexi Cap Fund - Growth Option - Direct Plan	HDFC	₹2,115.5350	3 Jun 2026
Nippon India Flexi Cap Fund - Direct Plan - Growth Plan - Growth Option	Nippon India	₹17.0211	3 Jun 2026
SBI Flexicap Fund - DIRECT PLAN - Growth Option	SBI	₹117.4238	2 Jun 2026
ICICI Prudential Flexicap Fund - Direct Plan - Growth	ICICI Prudential	₹19.8000	3 Jun 2026
Invesco India Flexi Cap Fund - Direct Plan - Growth	Invesco	₹19.0200	3 Jun 2026
BANDHAN Flexi Cap Fund-Direct Plan-Growth	Bandhan	₹222.6510	3 Jun 2026
quant Flexi Cap Fund - Growth Option-Direct Plan	Quant	₹118.9418	3 Jun 2026
Aditya Birla Sun Life Flexi Cap Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹2,064.0200	3 Jun 2026
Motilal Oswal Flexi cap Fund Direct Plan-Growth Option	Motilal Oswal	₹63.2311	3 Jun 2026
Franklin India Flexi Cap Fund - Direct - Growth	Franklin India	₹1,722.7007	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹39.2800
2 Jun 2026	₹39.2800
1 Jun 2026	₹39.1600
29 May 2026	₹39.6300
27 May 2026	₹39.9200
26 May 2026	₹39.8600
25 May 2026	₹39.7600
22 May 2026	₹39.3200
21 May 2026	₹39.3200
20 May 2026	₹39.0600

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of BANK OF INDIA Flexi Cap Fund Direct Plan -Growth is ₹39.2800. It's a Flexi Cap Fund from Bank of India, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

BANK OF INDIA Flexi Cap Fund Direct Plan -Growth has NAV history starting from 01 Jul 2020, a track record of about 5 years 11 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

BANK OF INDIA Flexi Cap Fund Direct Plan -Growth is managed by Bank of India. It's classified by AMFI under the 'Flexi Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, BANK OF INDIA Flexi Cap Fund Direct Plan -Growth has delivered a absolute return of 7.29% — -10.18 pp behind the Flexi Cap Fund category average of 17.47%. The fund ranks #43 of 89 in its category — the second (Q2) quartile.

Over the trailing 3-year window, BANK OF INDIA Flexi Cap Fund Direct Plan -Growth has delivered a CAGR of 22.10% — +8.66 pp ahead of the Flexi Cap Fund category average of 13.44%. The fund ranks #4 of 74 in its category — the top (Q1) quartile.

Over the trailing 5-year window, BANK OF INDIA Flexi Cap Fund Direct Plan -Growth has delivered a CAGR of 18.11% — +4.06 pp ahead of the Flexi Cap Fund category average of 14.05%. The fund ranks #5 of 32 in its category — the top (Q1) quartile.

₹1 lakh invested in BANK OF INDIA Flexi Cap Fund Direct Plan -Growth exactly 5 years ago would be worth approximately ₹229,842 today — a multiplier of 2.30×, based on the 5-year CAGR of 18.11%. The category average over the same window would have grown ₹1 lakh to ₹192,952.

A ₹10,000 monthly SIP in BANK OF INDIA Flexi Cap Fund Direct Plan -Growth over the last 5 years — total invested ₹600,000 — would be worth ₹907,768 today. That's an XIRR (money-weighted annualised return) of 16.56%.

BANK OF INDIA Flexi Cap Fund Direct Plan -Growth doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹907,768 — XIRR 16.56%.

On a 5-year basis, BANK OF INDIA Flexi Cap Fund Direct Plan -Growth ranks #5 out of 32 funds in the Flexi Cap Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 14.05%; this fund delivered 18.11%.

The worst peak-to-trough decline BANK OF INDIA Flexi Cap Fund Direct Plan -Growth has experienced over the last 5-year window is 23.73% — its NAV fell from a high on 11 Dec 2024 to a low on 28 Feb 2025. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, BANK OF INDIA Flexi Cap Fund Direct Plan -Growth averaged 23.41% (best 29.60%, worst 18.11%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.69 — reasonable risk-adjusted performance.

In calendar year 2025, BANK OF INDIA Flexi Cap Fund Direct Plan -Growth returned 0.34% — lagging the Flexi Cap Fund category average of 3.69% by 3.35 pp. It ranked #31 of 39 in its category that year.

BANK OF INDIA Flexi Cap Fund Direct Plan -Growth is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. BANK OF INDIA Flexi Cap Fund Direct Plan -Growth is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 23.7%. 5-year CAGR: 18.11%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.