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

We don't give personal investment advice. BANK OF INDIA Large & Mid Cap Fund Regular Plan- Regular 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: 21.6%. 5-year CAGR: 11.40%.

Bharti AXA

BANK OF INDIA Large & Mid Cap Fund Regular Plan- Regular IDCW

Latest NAV

₹27.2900

As of

24 Jul 2026

4,361 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	+0.15%	-0.16%	+0.30	3 / 24	Q1
1W	-1.34%	-1.63%	+0.29	4 / 24	Q1
2W	-1.59%	-1.92%	+0.33	7 / 24	Q2
1M	-0.84%	-0.81%	-0.03	14 / 24	Q3
3M	+2.67%	+2.79%	-0.11	18 / 24	Q3
6M	+4.48%	+3.99%	+0.48	13 / 24	Q3
YTD	-0.94%	-1.40%	+0.46	10 / 24	Q2
1Y	+4.40%	+0.90%	+3.50	4 / 24	Q1
2Y	+1.02%	+1.49%	-0.47	11 / 21	Q3
3Y	+13.75%	+13.36%	+0.39	8 / 17	Q2
4Y	+14.95%	+14.68%	+0.28	8 / 17	Q2
5Y	+11.40%	+11.83%	-0.43	14 / 17	Q4
7Y	+14.81%	+15.09%	-0.28	11 / 13	Q4
10Y	+8.88%	+11.17%	-2.30	8 / 10	Q4
Inception	+6.08%	+10.25%	-4.17	19 / 24	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	-0.94%	-1.40%	+0.46	10 / 24
2025	+6.19%	+3.12%	+3.07	6 / 22
2024	+16.39%	+22.31%	-5.92	14 / 18
2023	+28.75%	+29.01%	-0.27	11 / 17
2022	+1.91%	-0.46%	+2.38	4 / 17
2021	+22.49%	+33.85%	-11.36	15 / 17
2020	+17.29%	+16.04%	+1.25	8 / 16
2019	+5.38%	+8.45%	-3.07	10 / 12
2018	-27.58%	-13.79%	-13.79	10 / 11
2017	+35.73%	+38.05%	-2.33	9 / 11
2016	-8.18%	+3.18%	-11.35	10 / 10

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

+6.89%

204 windows

min -39.4% · max 77.9%

61% positive

3-Year rolling

+5.28%

180 windows

min -10.1% · max 23.4%

61% positive

5-Year rolling

+4.69%

156 windows

min -10.9% · max 22.9%

73% positive

7-Year rolling

+3.35%

131 windows

min -4.6% · max 14.8%

65% 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

12.98%

3-year · annualised

Sharpe ratio

0.57

vs risk-free 6.5%

Sortino ratio

0.90

Downside-only deviation

Max drawdown

-21.65%

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
Motilal Oswal Large and Midcap Fund - Regular Plan Growth	Motilal Oswal	₹35.1852	24 Jul 2026
Mirae Asset Large & Midcap Fund - Regular Plan - Growth	Mirae Asset	₹153.8610	24 Jul 2026
Edelweiss Large & Mid Cap Fund - Regular Plan - Growth Option	Edelweiss	₹88.2680	24 Jul 2026
DSP Large & Mid Cap Fund - Regular Plan - Growth	DSP BlackRock	₹612.9780	24 Jul 2026
HSBC Large & Mid Cap Fund - Regular Growth	HSBC	₹28.8593	24 Jul 2026
Baroda BNP Paribas Large and Mid Cap Fund-Regular Plan-Growth Option	Baroda BNP Paribas	₹27.0258	24 Jul 2026
PGIM India Large and Midcap Fund - Regular Plan - Growth Option	PGIM India	₹12.3800	24 Jul 2026
Axis Large & Mid Cap Fund - Regular Plan - Growth	Axis	₹33.8400	24 Jul 2026
Bajaj Finserv Large and Mid Cap Fund- Regular Plan- Growth	Bajaj Finserv	₹12.1220	24 Jul 2026
BANK OF INDIA Large & Mid Cap Fund Eco Plan-Regular IDCW	Bharti AXA	₹28.3500	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹27.2900
23 Jul 2026	₹27.2500
22 Jul 2026	₹27.4200
21 Jul 2026	₹27.7500
20 Jul 2026	₹27.7500
17 Jul 2026	₹27.6600
16 Jul 2026	₹27.6200
15 Jul 2026	₹27.6200
14 Jul 2026	₹27.5300
13 Jul 2026	₹27.7300

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 24 Jul 2026, the NAV of BANK OF INDIA Large & Mid Cap Fund Regular Plan- Regular IDCW is ₹27.2900. It's a Large & Mid Cap Fund from Bharti AXA, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

BANK OF INDIA Large & Mid Cap Fund Regular Plan- Regular IDCW has NAV history starting from 29 Oct 2008, a track record of about 17 years 8 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

BANK OF INDIA Large & Mid Cap Fund Regular Plan- Regular IDCW is managed by Bharti AXA. 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 Regular Plan- Regular IDCW has delivered a absolute return of 4.40% — +3.5 pp ahead of the Large & Mid Cap Fund category average of 0.90%. The fund ranks #4 of 24 in its category — the top (Q1) quartile.

Over the trailing 3-year window, BANK OF INDIA Large & Mid Cap Fund Regular Plan- Regular IDCW has delivered a CAGR of 13.75% — +0.39 pp ahead of the Large & Mid Cap Fund category average of 13.36%. The fund ranks #8 of 17 in its category — the second (Q2) quartile.

Over the trailing 5-year window, BANK OF INDIA Large & Mid Cap Fund Regular Plan- Regular IDCW has delivered a CAGR of 11.40% — -0.43 pp behind the Large & Mid Cap Fund category average of 11.83%. The fund ranks #14 of 17 in its category — the bottom (Q4) quartile.

₹1 lakh invested in BANK OF INDIA Large & Mid Cap Fund Regular Plan- Regular IDCW exactly 10 years ago would be worth approximately ₹234,048 today — a multiplier of 2.34×, based on the 10-year CAGR of 8.88%. The category average over the same window would have grown ₹1 lakh to ₹288,440.

A ₹10,000 monthly SIP in BANK OF INDIA Large & Mid Cap Fund Regular Plan- Regular IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹808,082 today. That's an XIRR (money-weighted annualised return) of 11.85%.

A ₹10,000 monthly SIP for 10 years in BANK OF INDIA Large & Mid Cap Fund Regular Plan- Regular IDCW = ₹1,200,000 invested. It would currently be worth ₹2,173,111 (multiplier 1.81×). XIRR: 11.42%. 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 Regular Plan- Regular IDCW ranks #14 out of 17 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 11.83%; this fund delivered 11.40%.

The worst peak-to-trough decline BANK OF INDIA Large & Mid Cap Fund Regular Plan- Regular IDCW has experienced over the last 5-year window is 21.65% — 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 Regular Plan- Regular IDCW averaged 4.69% (best 22.87%, worst -10.90%). 73% of rolling windows ended positive. The 5-year Sharpe ratio is 0.40 — weak risk-adjusted performance.

In calendar year 2025, BANK OF INDIA Large & Mid Cap Fund Regular Plan- Regular IDCW returned 6.19% — beating the Large & Mid Cap Fund category average of 3.12% by 3.07 pp. It ranked #6 of 22 in its category that year.

BANK OF INDIA Large & Mid Cap Fund Regular Plan- Regular 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 Regular Plan- Regular 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: 21.6%. 5-year CAGR: 11.40%.

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