BANK OF INDIA LARGE CAP FUND
Bank of India Mutual Fund · Large Cap · Direct plan, growth option
NAV (₹), 1 Oct 2026
17.1700
1-day change
-1.21%
1Y return
1.8%
3Y CAGR
11.5%
5Y CAGR
9.0%
Max drawdown, 5Y
−22.6%
NAV history month-end NAV, ₹ · 1 Jul 2021 to 1 Oct 2026
Returns vs Large Cap median (34 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -4.7% | -6.2% |
| 3 months | -3.4% | -4.3% |
| 6 months | 7.3% | 3.7% |
| Year to date | -2.8% | -8.3% |
| 1 year | 1.8% | -4.8% |
| 3 years (CAGR) | 11.5% | 8.9% |
| 5 years (CAGR) | 9.0% | 8.3% |
| 7 years (CAGR) | n/a | 12.7% |
| 10 years (CAGR) | n/a | 11.6% |
| Since first NAV (CAGR) | 10.9% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.9% | 11.4% |
| 3Y rolling median | 16.0% | 14.8% |
| 3Y rolling worst | 10.0% | -4.0% |
| 3Y periods positive | 100% | 99% |
| 3Y periods ahead of benchmark | 100% | 73% |
| 5Y rolling median | 11.5% | 13.8% |
| 5Y rolling worst | 9.0% | 0.2% |
| 5Y periods ahead of benchmark | 100% | 73% |
Benchmark: Nifty 50 (proxy: Franklin India NSE Nifty 50 Index Fund, price return).
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 16.2% | 14.4% |
| Sharpe ratio | 0.35 | 0.23 |
| Sortino ratio | 0.52 | 0.32 |
| Beta | 1.07 | 1.01 |
| Alpha (ann.) | 5.7% | 3.4% |
| Upside capture | 123.46 | 111.59 |
| Downside capture | 93.12 | 93.92 |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −22.6% | −35.1% |
| Maximum drawdown, last 10Y | n/a | −36.7% |
| Maximum drawdown, last 5Y | −22.6% | −18.8% |
| Current drawdown | −5.7% | −10.4% |
| Recovery time of worst fall | 384 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 2.74% a year and the Direct plan's 1.29%, a gap of 1.45%; over the last 3 years the Direct plan returned 1.49 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹31,10,077.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Recent disclosure changes last 120 days, as disclosed via AMFI
- 1 Oct 2026: TER reduced from 1.30% to 1.29% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Alok Singh | 20 Jan 2022 | |
| amp | 20 Jan 2022 | |
| Nilesh Jethani | 20 Jan 2022 |
Objective: The investment objective of the scheme is to provide investors long term capital appreciation by investing predominantly in equity and equity-related instruments of large cap companies. However, there is no assurance that the investment objective of the scheme will be achieved.
Stated asset allocation: Equity & Equity related securities: - 75% to 100% : • Minimum investment in Equity & Equity related instruments of Large Cap companies-25% of total assets. • Minimum investment in Equity & Equity related instruments of Mid Cap companies-25% of total assets. • Minimum investment in Equity & Equity related instruments of Small Cap companies-25% of total assets Residual Portion: Money Market Instruments, Other Liquid Instruments, Gold and Silver Instruments (ETFs only) and units of Domestic Mutual Fund Schemes - 00% to 25% Units issued by InvITS - 00% to 10%
Benchmark (tier 1): NIFTY 100 TRI
Exit load: • If redeemed/ switched-out within 3 months from the date of allotment: - For 10% of investments: Nil - For remaining investments:1% • If redeemed/ switched-out after 3 months from the date of allotment: Nil
Minimum application: ₹5,000
Allotment date: 29 Jun 2021
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Direct plan | 1.29% | 1.07% |
| AUM, whole scheme (₹ crore) | 226 | 2,015 |
| Riskometer | Very High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 3.8% | -5.2% TRI |
| Return, 3 years (AMFI) | 11.9% | 7.8% TRI |
| Return, 5 years (AMFI) | 9.2% | 7.1% TRI |
| Month-ends above category median (3Y CAGR) | 63% | 48% median |
| Month-ends in category top quartile (3Y) | 33% | 23% median |
Official benchmark: Nifty 100 TRI (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Large Cap Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Nifty 50 proxy | Difference |
|---|---|---|---|
| 2026 YTD | -2.8% | -13.5% | +10.7% |
| 2025 | 7.6% | 11.7% | −4.1% |
| 2024 | 14.5% | 9.9% | +4.6% |
| 2023 | 31.1% | 20.7% | +10.4% |
| 2022 | -1.9% | 5.3% | −7.2% |
Benchmark proxy: Franklin India NSE Nifty 50 Index Fund (Direct plan NAV, price return), which carries its own costs. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,18,491 | -2.3% |
| 3 years | ₹3,60,000 | ₹3,83,170 | 4.1% |
| 5 years | ₹6,00,000 | ₹7,63,080 | 9.5% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
Category: Large Cap
Plan / option: Direct · Growth
AMFI scheme code: 148980
ISIN: INF761K01FL3
First NAV in MFIC data: 1 Jul 2021
History: 5.3 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Bandhan Business Cycle Fund | Sectoral/Thematic | 0.98 | n/a |
| Baroda BNP Paribas Business Cycle Fund | Sectoral/Thematic | 0.97 | 11.8% |
| Canara Robeco ELSS - Tax Saver Fund | ELSS | 0.97 | 10.2% |
| Union Largecap Fund | Large Cap | 0.97 | 6.3% |
| Mirae Asset Flexi Cap Fund | Flexi Cap | 0.97 | 11.3% |
| Baroda BNP Paribas Dividend Yield Fund | Dividend Yield | 0.97 | n/a |
Questions about BANK OF INDIA LARGE CAP FUND
- What is the latest NAV of BANK OF INDIA LARGE CAP FUND?
- The NAV of the Direct plan (growth option) was ₹17.1700 on 1 Oct 2026, as published by AMFI.
- Which category is BANK OF INDIA LARGE CAP FUND in?
- It is classified as Large Cap in AMFI's daily NAV file; a Large Cap scheme invests at least 80% in large-cap stocks. MFIC compares it with 34 Large Cap schemes (Direct plans).
- What returns has BANK OF INDIA LARGE CAP FUND delivered?
- Over one year the NAV changed by 1.8%. The 3-year CAGR is 11.5% (category median 8.9%) and the 5-year CAGR is 9.0% (category median 8.3%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 16.0%, the lowest was 10.0%, and 100% of 3-year periods ended with a gain. It was ahead of Nifty 50 (index-fund proxy) in 100% of those periods.
- What was the largest fall in BANK OF INDIA LARGE CAP FUND's NAV?
- The largest peak-to-trough fall in its available history was 22.6%; within the last five years it was 22.6% (category median 18.8%).
- How volatile is BANK OF INDIA LARGE CAP FUND?
- Its annualised standard deviation of monthly returns over the last 36 months is 16.2%, which is above the Large Cap category median of 14.4%.
- What would a monthly SIP in BANK OF INDIA LARGE CAP FUND have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,63,080 on 1 Oct 2026, an annualised return (XIRR) of 9.5%. This uses the Direct plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of BANK OF INDIA LARGE CAP FUND?
- The total expense ratio of the Direct plan is 1.29% a year, as disclosed to AMFI (median of Large Cap Direct plans: 1.07%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is BANK OF INDIA LARGE CAP FUND?
- Assets under management of the whole scheme were ₹226 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of BANK OF INDIA LARGE CAP FUND?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “Very High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of BANK OF INDIA LARGE CAP FUND and how has it compared?
- Its official benchmark is the Nifty 100 TRI. Over 3 years AMFI reports a return of 11.9% for this plan against 7.8% for the benchmark total return index; over 5 years 9.2% against 7.1%. Past performance does not indicate future results.
- How often has BANK OF INDIA LARGE CAP FUND beaten its category?
- At 63% of the 27 month-ends compared over the last 10 years, its 3-year return was above the median of Large Cap schemes (Direct plans); it was in the top quarter at 33% of them. A typical scheme would show about 50%.
- Who manages BANK OF INDIA LARGE CAP FUND?
- According to its Scheme Summary Document, BANK OF INDIA LARGE CAP FUND is managed by Alok Singh (since 20 Jan 2022), amp (since 20 Jan 2022), Nilesh Jethani (since 20 Jan 2022).
- What is the exit load of BANK OF INDIA LARGE CAP FUND?
- As stated in its scheme documents: • If redeemed/ switched-out within 3 months from the date of allotment: - For 10% of investments: Nil - For remaining investments:1% • If redeemed/ switched-out after 3 months from the date of allotment: Nil Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in BANK OF INDIA LARGE CAP FUND?
- The minimum application amount is ₹5,000. SIP details: SIP - 1000, SWP - 1000 & STP - 1000.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 1.8% and the Regular plan's by 0.3%. The Regular plan includes the services of a distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Direct plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.