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

We don't give personal investment advice. BANK OF INDIA Flexi Cap Fund Regular 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: 24.0%. 5-year CAGR: 16.36%.

Bank of India

BANK OF INDIA Flexi Cap Fund Regular Plan -Growth

Latest NAV

₹35.8300

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	+0.03%	+0.19%	-0.16	26 / 42	Q3
1W	-1.62%	-1.12%	-0.50	28 / 42	Q3
2W	+0.50%	+0.20%	+0.31	17 / 42	Q2
1M	-1.73%	+0.29%	-2.02	35 / 42	Q4
3M	+6.01%	+2.20%	+3.81	9 / 42	Q1
6M	+2.02%	+2.09%	-0.07	13 / 41	Q2
YTD	+1.42%	-0.80%	+2.21	11 / 41	Q2
1Y	+5.79%	+12.75%	-6.97	13 / 38	Q2
2Y	+1.62%	+7.07%	-5.45	31 / 37	Q4
3Y	+20.36%	+12.23%	+8.13	3 / 33	Q1
4Y	+18.80%	+13.99%	+4.80	3 / 18	Q1
5Y	+16.36%	+12.44%	+3.91	3 / 14	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+23.95%	+10.40%	+13.54	1 / 42	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	+1.42%	-4.70%	+6.12	2 / 29
2025	-1.12%	+1.29%	-2.41	19 / 25
2024	+28.41%	+19.24%	+9.17	3 / 26
2023	+37.72%	+29.13%	+8.60	3 / 20
2022	-0.94%	-2.30%	+1.35	8 / 15
2021	+45.38%	+26.78%	+18.60	1 / 19
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

+24.13%

61 windows

min -6.7% · max 73.7%

79% positive

3-Year rolling

+22.96%

36 windows

min 13.5% · max 28.0%

100% positive

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

5-Year rolling

+21.54%

12 windows

min 16.4% · max 27.6%

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

17.83%

3-year · annualised

Sharpe ratio

0.78

vs risk-free 6.5%

Sortino ratio

1.36

Downside-only deviation

Max drawdown

-23.98%

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
Nippon India Flexi Cap Fund - Regular Plan - Growth Plan - Growth Option	Nippon India	₹15.9186	3 Jun 2026
Invesco India Flexi Cap Fund - Regular Plan - Growth	Invesco	₹17.8200	3 Jun 2026
Motilal Oswal Flexi Cap Fund Regular Plan-Growth Option	Motilal Oswal	₹56.6317	3 Jun 2026
Mirae Asset Flexi Cap Fund - Regular Plan - Growth	Mirae Asset	₹15.4570	3 Jun 2026
Parag Parikh Flexi Cap Fund - Regular Plan - Growth	Parag Parikh	₹81.9366	2 Jun 2026
Edelweiss Flexi Cap Fund - Regular Plan - Growth Option	Edelweiss	₹37.2740	2 Jun 2026
DSP BlackRock Equity Fund - Regular Plan - Dividend	DSP BlackRock	₹55.4440	3 Jun 2026
Baroda BNP Paribas Flexi Cap Fund - Regular Plan - Growth Option	Baroda BNP Paribas	₹15.3812	3 Jun 2026
PGIM India Flexi Cap Fund - Regular Plan - Growth Option	PGIM India	₹34.7300	3 Jun 2026
Axis Flexi Cap Fund - Regular Plan - Growth	Axis	₹25.7800	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹35.8300
2 Jun 2026	₹35.8200
1 Jun 2026	₹35.7200
29 May 2026	₹36.1500
27 May 2026	₹36.4200
26 May 2026	₹36.3600
25 May 2026	₹36.2700
22 May 2026	₹35.8800
21 May 2026	₹35.8800
20 May 2026	₹35.6500

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 Regular Plan -Growth is ₹35.8300. It's a Flexi Cap Fund from Bank of India, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

BANK OF INDIA Flexi Cap Fund Regular 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 Regular 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 Regular Plan -Growth has delivered a absolute return of 5.79% — -6.97 pp behind the Flexi Cap Fund category average of 12.75%. The fund ranks #13 of 38 in its category — the second (Q2) quartile.

Over the trailing 3-year window, BANK OF INDIA Flexi Cap Fund Regular Plan -Growth has delivered a CAGR of 20.36% — +8.13 pp ahead of the Flexi Cap Fund category average of 12.23%. The fund ranks #3 of 33 in its category — the top (Q1) quartile.

Over the trailing 5-year window, BANK OF INDIA Flexi Cap Fund Regular Plan -Growth has delivered a CAGR of 16.36% — +3.91 pp ahead of the Flexi Cap Fund category average of 12.44%. The fund ranks #3 of 14 in its category — the top (Q1) quartile.

₹1 lakh invested in BANK OF INDIA Flexi Cap Fund Regular Plan -Growth exactly 5 years ago would be worth approximately ₹213,274 today — a multiplier of 2.13×, based on the 5-year CAGR of 16.36%. The category average over the same window would have grown ₹1 lakh to ₹179,741.

A ₹10,000 monthly SIP in BANK OF INDIA Flexi Cap Fund Regular Plan -Growth over the last 5 years — total invested ₹600,000 — would be worth ₹869,874 today. That's an XIRR (money-weighted annualised return) of 14.83%.

BANK OF INDIA Flexi Cap Fund Regular 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 ₹869,874 — XIRR 14.83%.

On a 5-year basis, BANK OF INDIA Flexi Cap Fund Regular Plan -Growth ranks #3 out of 14 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 12.44%; this fund delivered 16.36%.

The worst peak-to-trough decline BANK OF INDIA Flexi Cap Fund Regular Plan -Growth has experienced over the last 5-year window is 23.98% — 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 Regular Plan -Growth averaged 21.54% (best 27.59%, worst 16.36%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.60 — reasonable risk-adjusted performance.

In calendar year 2025, BANK OF INDIA Flexi Cap Fund Regular Plan -Growth returned -1.12% — lagging the Flexi Cap Fund category average of 1.29% by 2.41 pp. It ranked #19 of 25 in its category that year.

BANK OF INDIA Flexi Cap Fund Regular 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 Regular 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: 24.0%. 5-year CAGR: 16.36%.

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