Investment Objective and Approach

Bank of India Small Cap Fund invests predominantly in equity and equity related securities of small cap companies. The fund focuses on identifying undervalued small-cap companies with strong growth potential and sustainable business models.

The fund follows a bottom-up stock selection approach, conducting thorough fundamental analysis of companies across various sectors. The investment strategy emphasizes:

- Growth-oriented approach: Targeting small-cap companies with strong earnings growth potential

- Value identification: Seeking undervalued securities in the small-cap segment

- Diversified portfolio: Spreading investments across different sectors to reduce concentration risk

- Long-term wealth creation: Focusing on companies with sustainable competitive advantages

The fund aims to outperform its benchmark by leveraging the growth opportunities available in the small-cap segment while maintaining prudent risk management practices.

Fund Managers

Ajay Khandelwal is the Current Fund Manager of Bank of India Small Cap Fund Direct Growth fund. 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.

The fund is managed by a team of experienced professionals who bring extensive expertise in small-cap investing and equity research. Their combined experience in fund management and deep understanding of Indian markets enables them to identify promising investment opportunities in the small-cap space.

About the Fund House (AMC)

Bank of India Investment Managers Pvt. Ltd. has continuously proved to be trustworthy with 15 years of rich experience in fund management and has always catered to the needs of the investors across various objectives, thus leading to a portfolio of 20 varied Mutual Fund Schemes with 7.55 lakhs+ investors and ₹ 13,150.45 Cr* of assets under management and 14 branches across PAN India as on 30th June, 2025.

Bank of India was founded on 7th September, 1906 by a group of eminent businessmen from Mumbai. The Bank was under private ownership and control till July 1969 when it was nationalised along with 13 other banks. Bank of India Investment Managers Private Limited is the asset management company (AMC) responsible for managing the Bank of India Mutual Fund. The AMC was incorporated on August 13, 2007, and commenced operations on March 31, 2008. It operates under the sponsorship of Bank of India, with Bank of India Trustee Services Private Limited acting as the trustee organization.

The AMC operates as a wholly-owned subsidiary of Bank of India, bringing the backing of one of India's leading public sector banks. With over 14 years of experience in fund management, the Bank of India Investment Managers Private Limited has always ensured to meet the investment objectives of its investors. It offers approx 17 varied Mutual Fund Schemes diversified across various sectors.

Key Financial Metrics as of latest available data:

- The fund currently has an Asset Under Management(AUM) of ₹13,374 Cr and the Latest NAV as of 23 Jul 2025 is ₹53.86.

- The expense ratio of Bank of India Small Cap Fund is 0.51%

- The fund has delivered a CAGR of 28.24 since inception.

- The minimum SIP amount of Bank of India Small Cap Fund is ₹1000

Should I Invest in Bank of India Small Cap Fund?

This fund may be suitable for investors who:

Ideal For:

- Investors with high risk tolerance seeking aggressive growth

- Those with investment horizon of 5+ years

- Investors looking for exposure to small-cap segment

- Those comfortable with high volatility for potential higher returns

Key Considerations:

- The Bank of India Small Cap Fund Direct Growth is rated Very High risk.

- Small-cap funds typically experience higher volatility compared to large-cap funds

- The fund requires patience as small-cap investments may take time to realize their potential

- Past performance indicates strong returns but future performance may vary

Investment Minimums:

- The minimum SIP amount of Bank of India Small Cap Fund is ₹1000

- Minimum lump sum investment: ₹5,000

Exit Load and Taxation:

- Exit load of 1% if redeemed within 1 year for units beyond 10% of the investment.

- If you redeem within one year, returns are taxed at 20%. If you redeem after one year, returns exceeding Rs 1.25 lakh in a financial year are taxed at 12.5%.

FAQs

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

The Latest NAV as of 23 Jul 2025 is ₹53.86. NAV is updated daily based on market closing prices.

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

The AUM of Bank of India Small Cap Fund, is ₹1907.82 crore. This represents the total market value of assets managed by the fund as of recent data.

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

The expense ratio of Bank of India Small Cap Fund is 0.51% This is the annual fee charged for managing your investments.

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

The fund has delivered a CAGR of 28.24 since inception. The fund was launched on November 28, 2018.

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

The minimum SIP amount of Bank of India Small Cap Fund is ₹1000 You can start investing with monthly SIPs from this amount.

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

You can invest through Allvest platform by completing your KYC, selecting the fund, and choosing between SIP or lump sum investment options.

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

Visit the Allvest platform, search for Bank of India Small Cap Fund, select SIP option, choose your investment amount and frequency, and set up automated payments.

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

Through Allvest, you can set up auto-debit mandates via bank account or UPI for seamless monthly SIP investments without manual intervention.

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

Log into your Allvest account, select the fund, choose partial or full redemption, and submit the request. Funds are typically credited within 3-4 working days.