Should I invest in BANK OF INDIA Large & Mid Cap Fund Direct Plan?

We don't give personal investment advice. BANK OF INDIA Large & Mid 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: 21.2%. 5-year CAGR: 13.33%.

Bank of India

BANK OF INDIA Large & Mid Cap Fund Direct Plan-Growth

Latest NAV

₹107.8700

As of

17 Jul 2026

3,331 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	+0.16%	+0.08%	+0.08	18 / 34	Q3
1W	-0.21%	-0.24%	+0.02	19 / 34	Q3
2W	-0.17%	+0.35%	-0.51	30 / 34	Q4
1M	+1.28%	+1.89%	-0.61	27 / 34	Q4
3M	+3.14%	+4.17%	-1.03	22 / 34	Q3
6M	+3.63%	+3.18%	+0.45	11 / 34	Q2
YTD	+1.11%	+1.35%	-0.24	15 / 34	Q2
1Y	+6.14%	+3.29%	+2.85	9 / 34	Q2
2Y	+2.14%	+3.61%	-1.47	23 / 31	Q3
3Y	+15.78%	+16.23%	-0.45	16 / 27	Q3
4Y	+17.29%	+17.98%	-0.68	17 / 27	Q3
5Y	+13.33%	+14.97%	-1.64	21 / 27	Q4
7Y	+17.49%	+17.78%	-0.29	14 / 23	Q3
10Y	+14.03%	+15.18%	-1.15	15 / 20	Q3
Inception	+13.88%	+14.34%	-0.46	26 / 33	Q4

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	+1.11%	+1.35%	-0.24	15 / 34
2025	+7.58%	+4.90%	+2.68	9 / 32
2024	+17.67%	+24.93%	-7.26	25 / 28
2023	+29.92%	+31.20%	-1.28	18 / 27
2022	+3.00%	+2.92%	+0.08	13 / 27
2021	+34.37%	+38.33%	-3.95	21 / 27
2020	+18.75%	+17.02%	+1.73	9 / 26
2019	+9.73%	+9.44%	+0.28	11 / 22
2018	-13.94%	-6.02%	-7.92	19 / 21
2017	+43.19%	+38.46%	+4.73	3 / 21
2016	+2.05%	+7.16%	-5.11	19 / 20

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

+16.73%

153 windows

min -20.4% · max 66.2%

83% positive

3-Year rolling

+14.70%

129 windows

min -2.7% · max 29.4%

97% positive

5-Year rolling

+14.16%

105 windows

min 1.1% · max 26.9%

100% positive

7-Year rolling

+13.45%

80 windows

min 7.6% · max 18.1%

100% positive

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

13.98%

3-year · annualised

Sharpe ratio

0.66

vs risk-free 6.5%

Sortino ratio

1.12

Downside-only deviation

Max drawdown

-21.20%

Aug 2024 → Mar 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 Large & Mid Cap Fund

Scheme	Fund house	NAV	As of
HDFC Large and Mid Cap Fund - Growth Option - Direct Plan	HDFC	₹368.0190	17 Jul 2026
Nippon India Vision Large & Mid Cap Fund - Direct Plan Growth Plan - Bonus Option	Nippon India	₹273.8346	17 Jul 2026
SBI LARGE & MIDCAP FUND -DIRECT PLAN -Growth	SBI	₹716.8642	17 Jul 2026
ICICI Prudential Large & Mid Cap Fund - Direct Plan - Growth	ICICI Prudential	₹1,165.7000	17 Jul 2026
Invesco India Large & Mid Cap Fund - Direct Plan - Growth	Invesco	₹131.2200	17 Jul 2026
Bandhan Large & Mid Cap Fund - Direct Plan - Growth	Bandhan	₹165.3550	17 Jul 2026
quant Large & Mid Cap Fund - Growth Option-Direct Plan	Quant	₹138.5686	17 Jul 2026
Aditya Birla Sun Life Large & Mid Cap Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹1,045.9600	17 Jul 2026
Motilal Oswal Large and Midcap Fund - Direct Plan Growth	Motilal Oswal	₹39.3518	17 Jul 2026
Franklin India Large & Mid Cap Fund - Direct - Growth	Franklin India	₹211.5155	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹107.8700
16 Jul 2026	₹107.7000
15 Jul 2026	₹107.6900
14 Jul 2026	₹107.3400
13 Jul 2026	₹108.1100
10 Jul 2026	₹108.1000
9 Jul 2026	₹107.3100
8 Jul 2026	₹106.2300
7 Jul 2026	₹108.0900
6 Jul 2026	₹108.6000

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 Large & Mid Cap Fund Direct Plan-Growth is ₹107.8700. It's a Large & Mid 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 Large & Mid Cap Fund Direct Plan-Growth has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 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 Large & Mid Cap Fund Direct Plan-Growth is managed by Bank of India. It's classified by AMFI under the 'Large & Mid Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, BANK OF INDIA Large & Mid Cap Fund Direct Plan-Growth has delivered a absolute return of 6.14% — +2.85 pp ahead of the Large & Mid Cap Fund category average of 3.29%. The fund ranks #9 of 34 in its category — the second (Q2) quartile.

Over the trailing 3-year window, BANK OF INDIA Large & Mid Cap Fund Direct Plan-Growth has delivered a CAGR of 15.78% — -0.45 pp behind the Large & Mid Cap Fund category average of 16.23%. The fund ranks #16 of 27 in its category — the third (Q3) quartile.

Over the trailing 5-year window, BANK OF INDIA Large & Mid Cap Fund Direct Plan-Growth has delivered a CAGR of 13.33% — -1.64 pp behind the Large & Mid Cap Fund category average of 14.97%. The fund ranks #21 of 27 in its category — the bottom (Q4) quartile.

₹1 lakh invested in BANK OF INDIA Large & Mid Cap Fund Direct Plan-Growth exactly 10 years ago would be worth approximately ₹371,582 today — a multiplier of 3.72×, based on the 10-year CAGR of 14.03%. The category average over the same window would have grown ₹1 lakh to ₹410,811.

A ₹10,000 monthly SIP in BANK OF INDIA Large & Mid Cap Fund Direct Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹841,675 today. That's an XIRR (money-weighted annualised return) of 13.50%.

A ₹10,000 monthly SIP for 10 years in BANK OF INDIA Large & Mid Cap Fund Direct Plan-Growth = ₹1,200,000 invested. It would currently be worth ₹2,620,931 (multiplier 2.18×). XIRR: 14.93%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, BANK OF INDIA Large & Mid Cap Fund Direct Plan-Growth ranks #21 out of 27 funds in the Large & Mid Cap Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 14.97%; this fund delivered 13.33%.

The worst peak-to-trough decline BANK OF INDIA Large & Mid Cap Fund Direct Plan-Growth has experienced over the last 5-year window is 21.20% — its NAV fell from a high on 30 Aug 2024 to a low on 03 Mar 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 Large & Mid Cap Fund Direct Plan-Growth averaged 14.16% (best 26.87%, worst 1.09%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.48 — weak risk-adjusted performance.

In calendar year 2025, BANK OF INDIA Large & Mid Cap Fund Direct Plan-Growth returned 7.58% — beating the Large & Mid Cap Fund category average of 4.90% by 2.68 pp. It ranked #9 of 32 in its category that year.

BANK OF INDIA Large & Mid 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 Large & Mid 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: 21.2%. 5-year CAGR: 13.33%.

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