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 -IDCW 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: 15.85%.

Bank of India

BANK OF INDIA Flexi Cap Fund Regular Plan -IDCW

Latest NAV

₹34.2700

As of

17 Jul 2026

1,492 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%	+0.16%	-0.13	23 / 37	Q3
1W	+0.35%	-0.15%	+0.50	7 / 37	Q1
2W	+0.68%	+0.23%	+0.45	9 / 37	Q1
1M	+2.24%	+1.77%	+0.46	12 / 37	Q2
3M	+4.48%	+3.47%	+1.01	20 / 37	Q3
6M	+8.21%	+2.25%	+5.96	6 / 36	Q1
YTD	+6.76%	-1.07%	+7.83	4 / 36	Q1
1Y	+7.33%	+3.47%	+3.86	11 / 33	Q2
2Y	+1.48%	+1.44%	+0.04	19 / 33	Q3
3Y	+20.29%	+9.22%	+11.06	1 / 31	Q1
4Y	+20.54%	+10.91%	+9.63	1 / 21	Q1
5Y	+15.85%	+8.74%	+7.11	1 / 16	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+22.51%	+9.66%	+12.85	1 / 37	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	+6.76%	-1.87%	+8.63	2 / 30
2025	-1.14%	+0.95%	-2.09	19 / 27
2024	+28.39%	+18.04%	+10.35	3 / 26
2023	+37.73%	+25.45%	+12.28	1 / 20
2022	-0.93%	-2.75%	+1.82	10 / 15
2021	+36.72%	+24.94%	+11.78	2 / 15
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

+21.85%

62 windows

min -6.2% · max 66.0%

82% positive

3-Year rolling

+22.44%

38 windows

min 16.8% · max 26.7%

100% positive

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

5-Year rolling

+19.26%

13 windows

min 15.3% · max 24.4%

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

17.08%

3-year · annualised

Sharpe ratio

0.79

vs risk-free 6.5%

Sortino ratio

1.32

Downside-only deviation

Max drawdown

-23.96%

Dec 2024 → Feb 2025

% positive months

69.4%

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 - IDCW Option	Nippon India	₹16.7591	17 Jul 2026
Invesco India Flexi Cap Fund - Regular Plan - IDCW	Invesco	₹17.1500	17 Jul 2026
Motilal Oswal Flexi cap Fund Regular - IDCW Payout/Reinvestment	Motilal Oswal	₹31.8092	17 Jul 2026
Mirae Asset Flexi Cap Fund - Regular Plan - IDCW	Mirae Asset	₹16.1720	17 Jul 2026
Parag Parikh Flexi Cap Fund - Regular Plan - IDCW	Parag Parikh	₹83.4000	17 Jul 2026
Edelweiss Flexi Cap Fund - Regular - IDCW Option	Edelweiss	₹31.3420	17 Jul 2026
Baroda BNP Paribas Flexi Cap Fund - Regular Plan - IDCW Option	Baroda BNP Paribas	₹13.2964	17 Jul 2026
PGIM India Flexi Cap Fund - Regular Plan - Dividend Option	PGIM India	₹17.8700	17 Jul 2026
Axis Flexi Cap Fund - Regular Plan - IDCW	Axis	₹17.2100	17 Jul 2026
360 ONE FLEXICAP FUND-REGULAR PLAN- IDCW	360 ONE	₹15.8047	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹34.2700
16 Jul 2026	₹34.2600
15 Jul 2026	₹34.3700
14 Jul 2026	₹34.0500
13 Jul 2026	₹34.1700
10 Jul 2026	₹34.1500
9 Jul 2026	₹33.7900
8 Jul 2026	₹33.4200
7 Jul 2026	₹33.9400
6 Jul 2026	₹34.1700

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 17 Jul 2026, the NAV of BANK OF INDIA Flexi Cap Fund Regular Plan -IDCW is ₹34.2700. It's a Flexi Cap Fund from Bank of India, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

BANK OF INDIA Flexi Cap Fund Regular Plan -IDCW has NAV history starting from 01 Jul 2020, a track record of about 6 years. 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 -IDCW 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 -IDCW has delivered a absolute return of 7.33% — +3.86 pp ahead of the Flexi Cap Fund category average of 3.47%. The fund ranks #11 of 33 in its category — the second (Q2) quartile.

Over the trailing 3-year window, BANK OF INDIA Flexi Cap Fund Regular Plan -IDCW has delivered a CAGR of 20.29% — +11.06 pp ahead of the Flexi Cap Fund category average of 9.22%. The fund ranks #1 of 31 in its category — the top (Q1) quartile.

Over the trailing 5-year window, BANK OF INDIA Flexi Cap Fund Regular Plan -IDCW has delivered a CAGR of 15.85% — +7.11 pp ahead of the Flexi Cap Fund category average of 8.74%. The fund ranks #1 of 16 in its category — the top (Q1) quartile.

₹1 lakh invested in BANK OF INDIA Flexi Cap Fund Regular Plan -IDCW exactly 5 years ago would be worth approximately ₹208,709 today — a multiplier of 2.09×, based on the 5-year CAGR of 15.85%. The category average over the same window would have grown ₹1 lakh to ₹152,054.

A ₹10,000 monthly SIP in BANK OF INDIA Flexi Cap Fund Regular Plan -IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹899,327 today. That's an XIRR (money-weighted annualised return) of 16.19%.

BANK OF INDIA Flexi Cap Fund Regular Plan -IDCW doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹899,327 — XIRR 16.19%.

On a 5-year basis, BANK OF INDIA Flexi Cap Fund Regular Plan -IDCW ranks #1 out of 16 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 8.74%; this fund delivered 15.85%.

The worst peak-to-trough decline BANK OF INDIA Flexi Cap Fund Regular Plan -IDCW has experienced over the last 5-year window is 23.96% — 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 -IDCW averaged 19.26% (best 24.42%, worst 15.33%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.57 — reasonable risk-adjusted performance.

In calendar year 2025, BANK OF INDIA Flexi Cap Fund Regular Plan -IDCW returned -1.14% — lagging the Flexi Cap Fund category average of 0.95% by 2.09 pp. It ranked #19 of 27 in its category that year.

BANK OF INDIA Flexi Cap Fund Regular Plan -IDCW 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 -IDCW 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: 15.85%.

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