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: 13.86%.

Bank of India

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

Latest NAV

₹102.7900

As of

3 Jun 2026

3,300 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	-0.46%	+0.15%	-0.62	32 / 34	Q4
1W	-2.10%	-1.78%	-0.33	26 / 34	Q4
2W	-1.45%	-0.02%	-1.43	34 / 34	Q4
1M	-1.81%	-0.52%	-1.30	33 / 34	Q4
3M	+1.91%	+0.66%	+1.26	8 / 34	Q1
6M	-1.73%	-3.20%	+1.47	6 / 34	Q1
YTD	-3.66%	-3.29%	-0.37	14 / 34	Q2
1Y	+4.46%	+1.81%	+2.66	10 / 33	Q2
2Y	+2.79%	+4.91%	-2.12	25 / 30	Q4
3Y	+16.08%	+16.92%	-0.84	16 / 27	Q3
4Y	+16.58%	+16.88%	-0.29	17 / 27	Q3
5Y	+13.86%	+15.02%	-1.16	20 / 27	Q3
7Y	+15.65%	+16.10%	-0.45	14 / 23	Q3
10Y	+13.78%	+15.15%	-1.37	15 / 20	Q3
Inception	+13.61%	+13.65%	-0.05	25 / 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	-3.66%	-3.29%	-0.37	14 / 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

+16.57%

152 windows

min -21.2% · max 65.2%

79% positive

3-Year rolling

+14.30%

128 windows

min -4.5% · max 27.3%

97% positive

5-Year rolling

+13.98%

103 windows

min -0.9% · max 25.0%

99% positive

7-Year rolling

+13.25%

79 windows

min 7.8% · max 17.7%

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

14.62%

3-year · annualised

Sharpe ratio

0.67

vs risk-free 6.5%

Sortino ratio

1.12

Downside-only deviation

Max drawdown

-21.20%

Aug 2024 → Mar 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 Large & Mid Cap Fund

Scheme	Fund house	NAV	As of
HDFC Large and Mid Cap Fund - Growth Option - Direct Plan	HDFC	₹348.8940	3 Jun 2026
Nippon India Vision Large & Mid Cap Fund - Direct Plan Growth Plan - Bonus Option	Nippon India	₹263.7372	3 Jun 2026
SBI LARGE & MIDCAP FUND -DIRECT PLAN -Growth	SBI	₹683.8671	2 Jun 2026
ICICI Prudential Large & Mid Cap Fund - Direct Plan - Growth	ICICI Prudential	₹1,109.9000	3 Jun 2026
Invesco India Large & Mid Cap Fund - Direct Plan - Growth	Invesco	₹119.2100	3 Jun 2026
Bandhan Large & Mid Cap Fund - Direct Plan - Growth	Bandhan	₹160.3360	3 Jun 2026
quant Large & Mid Cap Fund - Growth Option-Direct Plan	Quant	₹134.6766	3 Jun 2026
Aditya Birla Sun Life Large & Mid Cap Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹999.2500	3 Jun 2026
Motilal Oswal Large and Midcap Fund - Direct Plan Growth	Motilal Oswal	₹38.4109	3 Jun 2026
Franklin India Large & Mid Cap Fund - Direct - Growth	Franklin India	₹199.5382	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹102.7900
2 Jun 2026	₹103.2700
1 Jun 2026	₹103.0700
29 May 2026	₹103.8000
27 May 2026	₹105.0000
26 May 2026	₹105.3500
25 May 2026	₹105.6500
22 May 2026	₹104.8300
21 May 2026	₹104.6600
20 May 2026	₹104.3000

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 Large & Mid Cap Fund Direct Plan-Growth is ₹102.7900. 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 5 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 4.46% — +2.66 pp ahead of the Large & Mid Cap Fund category average of 1.81%. The fund ranks #10 of 33 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 16.08% — -0.84 pp behind the Large & Mid Cap Fund category average of 16.92%. 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 13.86% — -1.16 pp behind the Large & Mid Cap Fund category average of 15.02%. The fund ranks #20 of 27 in its category — the third (Q3) quartile.

₹1 lakh invested in BANK OF INDIA Large & Mid Cap Fund Direct Plan-Growth exactly 10 years ago would be worth approximately ₹363,473 today — a multiplier of 3.63×, based on the 10-year CAGR of 13.78%. The category average over the same window would have grown ₹1 lakh to ₹409,764.

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 ₹814,483 today. That's an XIRR (money-weighted annualised return) of 12.17%.

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 ₹2,534,387 (multiplier 2.11×). XIRR: 14.30%. 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 #20 out of 27 funds in the Large & Mid Cap Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 15.02%; this fund delivered 13.86%.

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 13.98% (best 25.01%, worst -0.93%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.52 — reasonable 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: 13.86%.

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