Investment Objective and Approach

The investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity-related securities across various market capitalisation. The fund provides complete flexibility to invest across large, mid, and small-cap companies without any fixed allocation constraints.

The fund follows a strategic approach where under normal market conditions, the fund will invest 65% to 100% of assets in a diversified portfolio constituting equity and equity related instruments of large cap, mid cap and small cap companies with sustainable business models, and potential for capital appreciation.

This is a flexi-cap fund where the fund management team has complete freedom to invest in companies of different sizes, depending on where it expects maximum gains. This flexibility allows the fund to capitalize on opportunities across market capitalizations and adapt to changing market conditions effectively.

The fund's investment approach focuses on identifying companies with:

- Sustainable business models

- Strong growth potential

- Sound financial fundamentals

- Ability to generate long-term capital appreciation

Fund Manager

Alok Singh is the Current Fund Manager of Bank of India Flexi Cap Fund Direct Growth fund. He brings substantial experience and credentials to managing this flexi-cap strategy.

Professional Background:

- Alok Singh is a Chartered Financial Analyst (CFA) and did his PGDBA from ICFAI Business School.

- He worked at BNP Paribas Asset Management and Axis Bank before joining Bank of India AMC.

- Mr. Alok Singh has 12 years of experience in Fixed Income Fund Management. As part of his previous employer BNP Paribas Mutual Fund, Alok has won numerous awards for stellar fund performance over the last three years.

- Around 20 years of experience, including 16 years in mutual fund industry.

His extensive experience across different asset management companies and proven track record of delivering superior fund performance makes him well-positioned to manage the complexities of a flexi-cap investment strategy.

About the Fund House (AMC)

Bank of India Investment Managers (formerly BOI AXA Investment Managers) is a wholly owned subsidiary of Bank of India, which was founded in 1906 as a banking services company and later nationalised in 1969.

Key Statistics (as of August 2025):

- The AMC BOI brings 14 years of rich experience in fund management catering to the needs of investors across various investment objectives.

- The fund house currently manages 17 varied mutual fund schemes across 2 lakh+ investors and 2700+ Cr. in AUM.

- Bank of India Mutual Fund Asset management company · AUM ₹11,518.36 Cr. No. of Schemes 71

The fund house combines the trust and stability of Bank of India's legacy with modern investment management practices. Being backed by a public sector bank provides additional credibility and regulatory oversight, making it a reliable choice for investors seeking professional fund management.

Should I Invest in Bank of India Flexi Cap Fund?

Investment Suitability:

The Bank of India Flexi Cap Fund Direct Plan Growth is suitable for investors who are looking to invest for at least 3-4 years and are willing to take the moderate risk for the potential of higher returns. However, The fund is not suitable for those investors, who have low risk potential as the fund comes with high volatility due to its investments.

Performance Highlights (as of August 2025):

- Bank of India Flexi Cap Fund Direct Growth has given a CAGR return of 29.22% since inception.

- Over the past five years, Bank of India Flexi Cap Fund - Regular Plan has delivered an annualised return of 25.14% as of 16-Aug-2025.

- Over the last 1 and 3 years the fund has given a CAGR return of 0.58% and 19.90% respectively.

Key Fund Metrics (as of August 2025):

- Latest NAV for Bank of India Flexi Cap Fund is at ₹ 36.32. The current NAV of Bank of India Flexi Cap Fund is ₹36.32, as of 14th August 2025.

- The AUM (i.e. assets under management) of Bank of India Flexi Cap Fund is ₹2155.45 Cr as of 14th August 2025.

- The expense ratio of Bank of India Flexi Cap Fund Plan is 0.48 as of 14th August 2025.

Risk Considerations:

When you invest for five years or more, you can expect gains that comfortably beat the inflation rate as well as returns from fixed income options. But be prepared for ups and downs in your investment value along the way.

Important Warning:

Warning: Do not invest in this, or any other flexi-cap fund, if you need to redeem your investment in less than five years.

This fund is ideal for investors seeking:

- Long-term wealth creation (5+ years)

- Professional management across market capitalizations

- Flexibility to adapt to market conditions

- Potential to outperform inflation and fixed income returns

FAQs

What is today's NAV of Bank of India Flexi Cap Fund?

Latest NAV for Bank of India Flexi Cap Fund is at ₹ 36.32. The NAV is updated daily and can be checked on the official website or investment platforms.

What is the AUM of Bank of India Flexi Cap Fund?

The AUM (i.e. assets under management) of Bank of India Flexi Cap Fund is ₹2155.45 Cr as of 14th August 2025.

What is the expense ratio of Bank of India Flexi Cap Fund?

The expense ratio of Bank of India Flexi Cap Fund Plan is 0.48 as of 14th August 2025. This is competitive and indicates efficient fund management.

What are the returns of Bank of India Flexi Cap Fund since inception?

Bank of India Flexi Cap Fund Direct Growth has given a CAGR return of 29.22% since inception. The fund was launched in June 2020.

What is the minimum SIP amount to invest in Bank of India Flexi Cap Fund?

Minimum SIP Investment is set to ₹1,000. This makes it accessible for regular investors looking to start systematic investing.

How do I invest in Bank of India Flexi Cap Fund?

You can invest through Allvest platform, Bank of India Mutual Fund website, or other registered distributors. Choose between direct and regular plans based on your preference for advisory services.

How to start a SIP in Bank of India Flexi Cap Fund?

Visit the Allvest platform or Bank of India MF website, complete your KYC, select SIP option, choose investment amount (minimum ₹1,000), and set up auto-debit facility with your bank.

How do I automate an SIP in Bank of India Flexi Cap Fund?

Set up auto-debit mandate with your bank through Allvest platform. Once registered, the SIP amount will be automatically debited monthly and invested in the fund without manual intervention.

How can I withdraw/redeem my investment in Bank of India Flexi Cap Fund?

You can redeem your investment through Allvest platform or the AMC website. Exit load of 1%, if redeemed within 3 months. Redemption proceeds are typically credited within 3-4 working days.