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: 13.27%.

Bank of India

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

Latest NAV

₹29.9500

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	+0.17%	+0.15%	+0.01	20 / 36	Q3
1W	-0.20%	-0.20%	+0.00	20 / 36	Q3
2W	-0.17%	+0.24%	-0.41	30 / 36	Q4
1M	+1.29%	+1.73%	-0.45	26 / 36	Q3
3M	+3.13%	+3.75%	-0.62	22 / 36	Q3
6M	+3.60%	+0.56%	+3.04	10 / 36	Q2
YTD	+1.08%	-1.67%	+2.75	14 / 36	Q2
1Y	+6.09%	-0.06%	+6.15	4 / 36	Q1
2Y	+2.08%	-0.46%	+2.54	13 / 34	Q2
3Y	+15.71%	+11.48%	+4.23	8 / 31	Q2
4Y	+17.23%	+13.30%	+3.92	10 / 31	Q2
5Y	+13.27%	+10.82%	+2.45	12 / 31	Q2
7Y	+16.22%	+13.81%	+2.40	7 / 27	Q2
10Y	+10.31%	+10.52%	-0.22	12 / 22	Q3
Inception	+7.14%	+10.89%	-3.75	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	+1.08%	-1.67%	+2.75	14 / 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

+10.42%

153 windows

min -45.8% · max 55.1%

73% positive

3-Year rolling

+7.57%

129 windows

min -10.0% · max 26.3%

66% positive

5-Year rolling

+7.28%

105 windows

min -13.0% · max 25.0%

77% positive

7-Year rolling

+6.60%

80 windows

min -3.3% · max 16.5%

83% 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

0.65

vs risk-free 6.5%

Sortino ratio

1.11

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 - IDCW Option - Direct Plan	HDFC	₹47.7870	17 Jul 2026
NIPPON INDIA VISION LARGE & MID CAP FUND - DIRECT Plan - IDCW Option	Nippon India	₹70.7641	17 Jul 2026
SBI Large & Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹373.6439	17 Jul 2026
ICICI Prudential Large & Mid Cap Fund - Direct Plan - IDCW	ICICI Prudential	₹54.4600	17 Jul 2026
Invesco India Large & Mid Cap Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹55.8900	17 Jul 2026
Bandhan Large & Mid Cap Fund - Direct Plan - IDCW	Bandhan	₹36.7850	17 Jul 2026
quant Large & Mid Cap Fund - IDCW Option - Direct Plan	Quant	₹64.5206	17 Jul 2026
Aditya Birla Sun Life Large & Mid Cap Fund -Direct - IDCW	Aditya Birla Sun Life	₹210.4900	17 Jul 2026
Motilal Oswal Large and Midcap Fund Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹27.8134	17 Jul 2026
Franklin India Large & Mid cap Fund - Direct - IDCW	Franklin India	₹22.8896	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹29.9500
16 Jul 2026	₹29.9000
15 Jul 2026	₹29.9000
14 Jul 2026	₹29.8000
13 Jul 2026	₹30.0200
10 Jul 2026	₹30.0100
9 Jul 2026	₹29.7900
8 Jul 2026	₹29.5000
7 Jul 2026	₹30.0100
6 Jul 2026	₹30.1500

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- Quarterly IDCW is ₹29.9500. 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 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- 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 6.09% — +6.15 pp ahead of the Large & Mid Cap Fund category average of -0.06%. The fund ranks #4 of 36 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 15.71% — +4.23 pp ahead of the Large & Mid Cap Fund category average of 11.48%. The fund ranks #8 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 13.27% — +2.45 pp ahead of the Large & Mid Cap Fund category average of 10.82%. The fund ranks #12 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 ₹266,697 today — a multiplier of 2.67×, based on the 10-year CAGR of 10.31%. The category average over the same window would have grown ₹1 lakh to ₹271,998.

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 ₹840,444 today. That's an XIRR (money-weighted annualised return) of 13.44%.

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 ₹2,342,646 (multiplier 1.95×). XIRR: 12.83%. 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 #12 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 10.82%; this fund delivered 13.27%.

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 7.28% (best 24.95%, worst -13.01%). 77% of rolling windows ended positive. The 5-year Sharpe ratio is 0.47 — weak 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: 13.27%.

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