BANK OF INDIA Large & Mid Cap Fund Regular Plan- Growth
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Outperformed category benchmark in 76% of historical 3-year rolling periods.
- Over 18 years of operational history across different market cycles.
- Expense ratio (2.75%) is higher than category median (2.32%), which creates fee drag over time.
- Experienced a maximum drawdown of -39.5% during severe market crashes.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +8.54% | +7.09% | +1.45% |
| 3 Months | +1.79% | +0.32% | +1.47% |
| 6 Months | +6.56% | +5.55% | +1.01% |
| 1 Year | +6.88% | +3.04% | +3.84% |
| 3 Years CAGR | +13.59% | +13.28% | +0.31% |
| 5 Years CAGR | +10.84% | +10.62% | +0.22% |
| 7 Years CAGR | +15.44% | +15.98% | -0.54% |
| 10 Years CAGR | +13.00% | +14.02% | -1.02% |
| Since Inception | +13.63% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in BANK OF INDIA Large & Mid Cap Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +4.34% | +2.62% | +1.72% |
| 2025 | +6.83% | +4.13% | +2.70% |
| 2024 | +16.60% | +24.32% | -7.72% |
| 2023 | +29.34% | +29.34% | 0.00% |
| 2022 | +1.91% | +0.28% | +1.63% |
| 2021 | +33.80% | +38.27% | -4.47% |
| 2020 | +17.48% | +15.49% | +1.99% |
| 2019 | +8.49% | +10.50% | -2.01% |
| 2018 | -15.12% | -5.42% | -9.70% |
| 2017 | +42.07% | +39.62% | +2.45% |
| 2016 | +1.30% | +7.78% | -6.48% |
| 2015 | -2.32% | +5.22% | -7.54% |
| 2014 | +41.11% | +48.40% | -7.29% |
| 2013 | +6.67% | +6.56% | +0.11% |
| 2012 | +24.76% | +31.30% | -6.54% |
| 2011 | -22.64% | -22.94% | +0.30% |
| 2010 | +4.47% | +14.39% | -9.92% |
| 2009 | +74.26% | +80.13% | -5.87% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -24.92% | +14.33% | +9.57% | +112.69% | 74.4% | 58.8% |
| 3-Year Rolling | -6.87% | +12.28% | +13.33% | +30.52% | 92.9% | 75.6% |
| 5-Year Rolling | -2.89% | +12.36% | +11.98% | +27.01% | 99.5% | 67.0% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2018-01-08 | 2020-03-23 | -39.5% | 26 months | 9 months |
| 2010-11-09 | 2011-12-20 | -27.6% | 13 months | 27 months |
| 2009-01-06 | 2009-03-09 | -25.0% | 2 months | 1 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Large Cap Equity and equity related securities - 35% to 65% Midcap Equity and equity related securities - 35% to 65% Residual Portion: Small Cap Equity and equity related securities - 00% to 30% Money Market Instruments, Other Liquid Instruments, Gold and Silver Instruments (ETFs only) and units of Domestic Mutual Fund Schemes - 00% to 30% Units issued by InvITS - 00% to 10% | Per Scheme Mandate |
Investment Objective & Strategy
The Scheme seeks to generate income and long-term capital appreciation by investing through a diversified portfolio of predominantly large cap and mid cap equity and equity related securities including equity derivatives. The Scheme is in the nature of large and mid cap fund. The Scheme is not providing any assured or guaranteed returns. However, there is no assurance that the investment objective of the scheme will be achieved.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 557 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as small relative to Large & Mid Cap schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Large & Mid Cap Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| SBI LARGE & MIDCAP FUND | 6.0 | +12.72% | 1.64% | 82.3% | Rs 42,413 cr | Compare → |
| Edelweiss Large & Mid Cap Fund | 5.7 | +13.28% | 2.04% | 102.0% | Rs 4,950 cr | Compare → |
| Kotak Large & Mid Cap Fund | 5.8 | +13.36% | 1.64% | 103.7% | Rs 33,188 cr | Compare → |
| CANARA ROBECO LARGE AND MID CAP FUND | 4.5 | +13.02% | 1.77% | 104.4% | Rs 26,516 cr | Compare → |
| Baroda BNP Paribas Large and Mid Cap Fund | 5.7 | +13.77% | 2.31% | 104.7% | Rs 1,891 cr | Compare → |
Frequently Asked Questions about BANK OF INDIA Large & Mid Cap Fund
What is the expense ratio of BANK OF INDIA Large & Mid Cap Fund?
BANK OF INDIA Large & Mid Cap Fund has a total expense ratio (TER) of 2.75% with a base expense ratio of 2.08%, compared to the Large & Mid Cap category median of 2.32%.
Who manages BANK OF INDIA Large & Mid Cap Fund?
BANK OF INDIA Large & Mid Cap Fund is managed by Nitin Gosar (tenure: 4.1 years since 2022-09-27).
What are the historical returns of BANK OF INDIA Large & Mid Cap Fund?
BANK OF INDIA Large & Mid Cap Fund delivered a 3-year CAGR of 13.59% and a 5-year CAGR of 10.84%. Its 1-year return stands at +6.88%.
How large is BANK OF INDIA Large & Mid Cap Fund?
BANK OF INDIA Large & Mid Cap Fund manages assets of Rs 557 cr, placing it in the 'small' size band relative to Large & Mid Cap peers.
How is BANK OF INDIA Large & Mid Cap Fund scored on MFIQ?
BANK OF INDIA Large & Mid Cap Fund holds an MFIQ Score of 4.1/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is BANK OF INDIA Large & Mid Cap Fund?
BANK OF INDIA Large & Mid Cap Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 15.71% with a maximum historical drawdown of -39.51%.