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

We don't give personal investment advice. BANK OF INDIA Large & Mid Cap Fund Direct Plan- Quarterly 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: 21.2%. 5-year CAGR: 13.81%.

Bank of India

BANK OF INDIA Large & Mid Cap Fund Direct Plan- Quarterly IDCW

Latest NAV

₹28.5400

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	-0.49%	+0.15%	-0.64	34 / 36	Q4
1W	-2.09%	-1.74%	-0.35	27 / 36	Q3
2W	-1.45%	-0.17%	-1.28	34 / 36	Q4
1M	-1.82%	-0.80%	-1.02	34 / 36	Q4
3M	+1.89%	-1.40%	+3.29	8 / 36	Q1
6M	-1.76%	-6.06%	+4.30	4 / 36	Q1
YTD	-3.68%	-6.30%	+2.62	12 / 36	Q2
1Y	+4.43%	-1.66%	+6.08	5 / 35	Q1
2Y	+2.74%	+0.68%	+2.05	12 / 33	Q2
3Y	+16.01%	+12.10%	+3.91	9 / 31	Q2
4Y	+16.53%	+12.28%	+4.24	10 / 31	Q2
5Y	+13.81%	+10.78%	+3.02	9 / 31	Q2
7Y	+14.38%	+12.23%	+2.15	7 / 27	Q2
10Y	+9.95%	+10.45%	-0.50	14 / 22	Q3
Inception	+6.82%	+10.14%	-3.32	29 / 36	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	-3.68%	-6.30%	+2.62	12 / 36
2025	+7.54%	+1.18%	+6.36	7 / 35
2024	+17.63%	+19.71%	-2.08	19 / 31
2023	+29.83%	+26.16%	+3.66	12 / 31
2022	+3.02%	+0.59%	+2.43	9 / 31
2021	+24.84%	+33.41%	-8.57	29 / 31
2020	+18.65%	+14.39%	+4.26	9 / 30
2019	+7.63%	+6.20%	+1.43	13 / 26
2018	-25.85%	-13.14%	-12.71	22 / 23
2017	+36.00%	+29.57%	+6.43	6 / 23
2016	-4.50%	+3.36%	-7.86	19 / 22

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

+10.22%

152 windows

min -48.0% · max 60.3%

70% positive

3-Year rolling

+7.04%

128 windows

min -10.8% · max 24.2%

64% positive

5-Year rolling

+7.05%

103 windows

min -9.6% · max 23.1%

77% positive

7-Year rolling

+6.32%

79 windows

min -3.2% · max 15.9%

78% 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

14.60%

3-year · annualised

Sharpe ratio

0.67

vs risk-free 6.5%

Sortino ratio

1.11

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 - IDCW Option - Direct Plan	HDFC	₹45.3030	3 Jun 2026
NIPPON INDIA VISION LARGE & MID CAP FUND - DIRECT Plan - IDCW Option	Nippon India	₹68.1548	3 Jun 2026
SBI Large & Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹356.4452	2 Jun 2026
ICICI Prudential Large & Mid Cap Fund - Direct Plan - IDCW	ICICI Prudential	₹51.8500	3 Jun 2026
Invesco India Large & Mid Cap Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹50.7800	3 Jun 2026
Bandhan Large & Mid Cap Fund - Direct Plan - IDCW	Bandhan	₹35.6690	3 Jun 2026
quant Large & Mid Cap Fund - IDCW Option - Direct Plan	Quant	₹62.7085	3 Jun 2026
Aditya Birla Sun Life Large & Mid Cap Fund -Direct - IDCW	Aditya Birla Sun Life	₹201.0900	3 Jun 2026
Motilal Oswal Large and Midcap Fund Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹27.1484	3 Jun 2026
Franklin India Large & Mid cap Fund - Direct - IDCW	Franklin India	₹21.5940	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹28.5400
2 Jun 2026	₹28.6800
1 Jun 2026	₹28.6200
29 May 2026	₹28.8200
27 May 2026	₹29.1500
26 May 2026	₹29.2500
25 May 2026	₹29.3300
22 May 2026	₹29.1100
21 May 2026	₹29.0600
20 May 2026	₹28.9600

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- Quarterly IDCW is ₹28.5400. It's a Large & Mid Cap Fund from Bank of India, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

BANK OF INDIA Large & Mid Cap Fund Direct Plan- Quarterly IDCW 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- Quarterly IDCW 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- Quarterly IDCW has delivered a absolute return of 4.43% — +6.08 pp ahead of the Large & Mid Cap Fund category average of -1.66%. The fund ranks #5 of 35 in its category — the top (Q1) quartile.

Over the trailing 3-year window, BANK OF INDIA Large & Mid Cap Fund Direct Plan- Quarterly IDCW has delivered a CAGR of 16.01% — +3.91 pp ahead of the Large & Mid Cap Fund category average of 12.10%. The fund ranks #9 of 31 in its category — the second (Q2) quartile.

Over the trailing 5-year window, BANK OF INDIA Large & Mid Cap Fund Direct Plan- Quarterly IDCW has delivered a CAGR of 13.81% — +3.02 pp ahead of the Large & Mid Cap Fund category average of 10.78%. The fund ranks #9 of 31 in its category — the second (Q2) quartile.

₹1 lakh invested in BANK OF INDIA Large & Mid Cap Fund Direct Plan- Quarterly IDCW exactly 10 years ago would be worth approximately ₹258,280 today — a multiplier of 2.58×, based on the 10-year CAGR of 9.95%. The category average over the same window would have grown ₹1 lakh to ₹270,253.

A ₹10,000 monthly SIP in BANK OF INDIA Large & Mid Cap Fund Direct Plan- Quarterly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹813,271 today. That's an XIRR (money-weighted annualised return) of 12.11%.

A ₹10,000 monthly SIP for 10 years in BANK OF INDIA Large & Mid Cap Fund Direct Plan- Quarterly IDCW = ₹1,200,000 invested. It would currently be worth ₹2,257,629 (multiplier 1.88×). XIRR: 12.14%. 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- Quarterly IDCW ranks #9 out of 31 funds in the Large & Mid Cap Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 10.78%; this fund delivered 13.81%.

The worst peak-to-trough decline BANK OF INDIA Large & Mid Cap Fund Direct Plan- Quarterly IDCW 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- Quarterly IDCW averaged 7.05% (best 23.14%, worst -9.61%). 77% 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- Quarterly IDCW returned 7.54% — beating the Large & Mid Cap Fund category average of 1.18% by 6.36 pp. It ranked #7 of 35 in its category that year.

BANK OF INDIA Large & Mid Cap Fund Direct Plan- Quarterly 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 Large & Mid Cap Fund Direct Plan- Quarterly 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: 21.2%. 5-year CAGR: 13.81%.

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