Should I invest in Bank of India Multi Cap Fund Regular Plan?

We don't give personal investment advice. Bank of India Multi Cap Fund Regular 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.

Bank of India

Bank of India Multi Cap Fund Regular Plan - Growth

Latest NAV

₹19.7900

As of

17 Jul 2026

826 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	-0.10%	-0.01%	-0.09	19 / 24	Q4
1W	-0.40%	-0.38%	-0.02	12 / 24	Q2
2W	+0.10%	+0.38%	-0.28	16 / 24	Q3
1M	+2.49%	+2.07%	+0.42	5 / 24	Q1
3M	+6.51%	+6.10%	+0.42	10 / 24	Q2
6M	+8.56%	+5.13%	+3.43	4 / 24	Q1
YTD	+5.43%	+3.13%	+2.30	6 / 24	Q1
1Y	+9.34%	+3.76%	+5.58	3 / 24	Q1
2Y	+5.44%	+3.80%	+1.65	3 / 19	Q1
3Y	+19.35%	+15.97%	+3.39	2 / 14	Q1
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+22.44%	+13.14%	+9.30	1 / 24	Q1

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	+5.43%	+3.13%	+2.30	6 / 24
2025	+6.56%	+2.25%	+4.32	3 / 21
2024	+21.90%	+23.67%	-1.76	11 / 16
2023	—	—	—	—

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

+20.19%

29 windows

min -2.7% · max 52.9%

93% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+20.21%

5 windows

min 19.4% · max 22.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

14.20%

3-year · annualised

Sharpe ratio

0.87

vs risk-free 6.5%

Sortino ratio

1.46

Downside-only deviation

Max drawdown

-20.69%

Sep 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 Multi Cap Fund

Scheme	Fund house	NAV	As of
SBI Multicap Fund- Regular Plan- Growth Option	SBI	₹17.1100	17 Jul 2026
BANDHAN MULTI CAP FUND - GROWTH - REGULAR PLAN	Bandhan	₹17.5010	17 Jul 2026
Aditya Birla Sun Life Multi-Cap Fund-Regular Growth	Aditya Birla Sun Life	₹20.6300	17 Jul 2026
Motilal Oswal Multi Cap Fund Regular Plan Growth	Motilal Oswal	₹13.7785	17 Jul 2026
Mirae Asset Multicap Fund - Regular Plan - Growth	Mirae Asset	₹14.7770	17 Jul 2026
Kotak Multicap Fund-Regular Plan-Growth	Kotak	₹20.2360	17 Jul 2026
Edelweiss Multi Cap Fund - Regular Plan - Growth	Edelweiss	₹15.6418	17 Jul 2026
DSP Multicap Fund - Regular - Growth	DSP	₹12.3220	17 Jul 2026
HSBC Multi Cap Fund - Regular - Growth	HSBC	₹19.7711	17 Jul 2026
Canara Robeco Multi Cap Fund - Regular Plan - Growth Option	Canara Robeco	₹14.8000	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹19.7900
16 Jul 2026	₹19.8100
15 Jul 2026	₹19.8100
14 Jul 2026	₹19.7600
13 Jul 2026	₹19.8900
10 Jul 2026	₹19.8700
9 Jul 2026	₹19.7100
8 Jul 2026	₹19.4600
7 Jul 2026	₹19.7700
6 Jul 2026	₹19.9100

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 Multi Cap Fund Regular Plan - Growth is ₹19.7900. It's a Multi Cap Fund from Bank of India, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

Bank of India Multi Cap Fund Regular Plan - Growth has NAV history starting from 06 Mar 2023, a track record of about 3 years 4 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

Bank of India Multi Cap Fund Regular Plan - Growth is managed by Bank of India. It's classified by AMFI under the 'Multi Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Bank of India Multi Cap Fund Regular Plan - Growth has delivered a absolute return of 9.34% — +5.58 pp ahead of the Multi Cap Fund category average of 3.76%. The fund ranks #3 of 24 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Bank of India Multi Cap Fund Regular Plan - Growth has delivered a CAGR of 19.35% — +3.39 pp ahead of the Multi Cap Fund category average of 15.97%. The fund ranks #2 of 14 in its category — the top (Q1) quartile.

Bank of India Multi Cap Fund Regular Plan - Growth doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in Bank of India Multi Cap Fund Regular Plan - Growth exactly 3 years ago would be worth approximately ₹170,017 today — a multiplier of 1.70×, based on the 3-year CAGR of 19.35%. The category average over the same window would have grown ₹1 lakh to ₹155,954.

A ₹10,000 monthly SIP in Bank of India Multi Cap Fund Regular Plan - Growth over the last 3 years — total invested ₹360,000 — would be worth ₹439,840 today. That's an XIRR (money-weighted annualised return) of 13.45%.

Bank of India Multi Cap Fund Regular Plan - Growth doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹439,840 — XIRR 13.45%.

On a 3-year basis, Bank of India Multi Cap Fund Regular Plan - Growth ranks #2 out of 14 funds in the Multi Cap Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 15.97%; this fund delivered 19.35%.

The worst peak-to-trough decline Bank of India Multi Cap Fund Regular Plan - Growth has experienced over the last 3-year window is 20.69% — its NAV fell from a high on 27 Sep 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 3-year rolling windows, Bank of India Multi Cap Fund Regular Plan - Growth averaged 20.21% (best 22.33%, worst 19.35%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.87 — reasonable risk-adjusted performance.

In calendar year 2025, Bank of India Multi Cap Fund Regular Plan - Growth returned 6.56% — beating the Multi Cap Fund category average of 2.25% by 4.32 pp. It ranked #3 of 21 in its category that year.

Bank of India Multi Cap Fund Regular 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 Multi Cap Fund Regular 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.

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