Bank of India Multi Cap Fund is a Multi Cap fund run by Bank of India Mutual Fund. On 30-09-2026, it managed ₹1,344 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 16.7% a year and its Regular plan returned 15.3% a year. Its benchmark, Nifty500 Multicap 50:25:25 TRI, returned 11.3% a year over the same 3 years.
NAV (Direct plan)
₹19.69
▼ 0.71% · 30-10-2026
NAV (Regular plan)
₹18.88
▼ 0.68% · 30-10-2026
Expense ratio
1.16%Direct2.48%Regular
1.16%
A year
Riskometer
Very High
Set by the fund house
3 year return
16.7%Direct15.3%Regular
16.7%
A year
Bank of India Multi Cap Fund NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹19.69 (down 0.71% that day); Regular Plan Growth ₹18.88 (down 0.68% that day).
This fund (Direct plan)
₹19.69
Bank of India Multi Cap Fund Returns vs Nifty500 Multicap 50:25:25 TRI
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
Trailing returns
Period
1M
3M
6M
1Y
3Y
5Y
10Y
This fund (Direct)
−2.43%
−4.14%
+1.81%
+3.52%
+16.70%
--
--
This fund (Regular)
−2.58%
−4.45%
+1.12%
+2.16%
+15.29%
--
--
Nifty500 Multicap 50:25:25 TRI
−1.85%
−6.19%
−2.20%
−6.04%
+11.26%
+10.51%
--
Multi Cap average
−2.65%
−3.95%
+1.99%
−1.14%
+13.54%
--
--
Best in Multi Cap
−1.18%
+3.90%
+17.42%
+10.28%
+18.70%
--
--
Worst in Multi Cap
−5.15%
−8.29%
−5.16%
−9.57%
+5.07%
--
--
Rank in Multi Cap
16/33
15/32
16/32
6/32
4/23
--
--
Category rows compare the Direct plans of 33 Multi Cap funds. Rank 1 is the highest return.
Bank of India Multi Cap Fund Year-wise Returns
Return of each calendar year
Year
Direct
Regular
Nifty500 Multicap 50:25:25 TRI
2026to date
+2.23%
+1.12%
−5.56%
2025
+8.51%
+7.18%
+5.29%
2024
+23.69%
+22.33%
+19.34%
Bank of India Multi Cap Fund Rolling Returns
The return of every holding period in the fund's history, not only the one that ends today
Rolling returns
Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 160 periods, one for each trading day from 06-03-2026 to 30-10-2026.
0%5%10%15%20%25%
Bank of India Multi Cap Fund (Direct)
Nifty500 Multicap 50:25:25 TRI
Mar 2023 to Mar 2026May 2023 to May 2026Jun 2023 to Jun 2026Jul 2023 to Jul 2026Sept 2023 to Sept 2026Oct 2023 to Oct 2026
Bank of India Multi Cap Fund (Direct)Nifty500 Multicap 50:25:25 TRI
0%
0%
Below 0%
0%
0%
0-5%
0%
0%
5-10%
0%
46%
10-15%
31%
54%
15-20%
69%
0%
20-25%
0%
0%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Benchmark median
Beat benchmark
1 year
652
12.1%
−5.1%
56.5%
8%
7.1%
90%
2 years
406
15.3%
3.1%
30.3%
0%
11.8%
100%
3 years
160
20.7%
15.5%
23.8%
0%
15.3%
100%
Every SIP holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Benchmark median
Beat benchmark
1 year
32
15.7%
−22.6%
58.4%
16%
9.1%
81%
2 years
20
12.2%
−0.2%
18.5%
5%
7.7%
100%
Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat benchmark" counts the periods in which the fund did better than Nifty500 Multicap 50:25:25 TRI over the same days. Past returns do not promise future returns.
Bank of India Multi Cap Fund Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
Bank of India Multi Cap Fund (Direct)This fund
Nifty500 Multicap 50:25:25 TRI
Return (CAGR)
+3.52%
−6.04%
Standard deviation
13.88%
15.02%
Sharpe ratio
-0.12
-0.75
Sortino ratio
-0.17
-1.00
Maximum drawdown
−11.7%
(23-03-2026)
−14.6%
(30-03-2026)
Beta
0.90
1.00
Alpha
+8.39%
0.00%
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
Measure
Bank of India Multi Cap Fund (Direct)This fund
Nifty500 Multicap 50:25:25 TRI
Return (CAGR)
+16.70%
+11.26%
Standard deviation
15.92%
15.12%
Sharpe ratio
0.67
0.35
Sortino ratio
0.89
0.46
Maximum drawdown
−20.3%
(03-03-2025)
−19.8%
(03-03-2025)
Beta
1.02
1.00
Alpha
+5.34%
0.00%
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
Measure
Bank of India Multi Cap Fund (Direct)This fund
Nifty500 Multicap 50:25:25 TRI
Return (CAGR)
+20.35%
+14.48%
Standard deviation
14.95%
14.28%
Sharpe ratio
0.95
0.58
Sortino ratio
1.27
0.78
Maximum drawdown
−20.3%
(03-03-2025)
−19.8%
(03-03-2025)
Beta
1.01
1.00
Alpha
+5.82%
0.00%
From daily NAVs, 06-03-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
−25%−20%−15%−10%−5%0%
Bank of India Multi Cap Fund (Direct)
Nifty500 Multicap 50:25:25 TRI
202420252026
Bank of India Multi Cap Fund (Direct)Nifty500 Multicap 50:25:25 TRI
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
Bank of India Multi Cap Fund (Direct)
−20.3%
27-09-2024
03-03-2025
27-10-2025
8 months
−6.2%
Nifty500 Multicap 50:25:25 TRI
−19.8%
26-09-2024
03-03-2025
03-08-2026
17 months
−8.0%
From the Direct plan's daily NAV since 06-03-2023, adjusted for unit splits, and Nifty500 Multicap 50:25:25 TRI over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.
Bank of India Multi Cap Fund vs Other Multi Cap Funds
The five Multi Cap funds with the best three year return, and this fund. Direct plans.
AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.
Bank of India Multi Cap Fund Expense Ratio and Costs
What each plan charges a year, in force from 16-10-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
Multi Cap median
Cost rank (1 = cheapest)
Direct
0.72%
0.09%
0.01%
0.34%
1.16%
0.96%
26/33
Regular
1.84%
0.09%
0.01%
0.54%
2.48%
2.21%
26/33
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Multi Cap funds' plans of the same type are sorted from the lowest total expense ratio to the highest.
Direct vs Regular: what the gap cost
Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.
Over the last
Regular
Direct
Direct earned more by
₹1 lakh became (Regular)
₹1 lakh became (Direct)
1 year
2.16%
3.52%
1.36%
₹1,02,160
₹1,03,520
3 years
15.29%
16.70%
1.41% a year
₹1,53,241
₹1,58,932
Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.
Bank of India Multi Cap Fund SIP Calculator
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
Step up each year
PeriodFor
₹10,000 on the first trading day of every month, from 06-03-2023 to 30-10-2026: 44 instalments, ₹4,40,000 in all.
Investment
Invested
Value now
Gain
Return a year
Direct planBank of India Multi Cap Fund (Direct)
₹4,40,000
₹5,48,201
₹1,08,201
12.1%
Regular planBank of India Multi Cap Fund (Regular)
₹4,40,000
₹5,34,644
₹94,644
10.6%
Nifty500 Multicap 50:25:25 TRI
₹4,40,000
₹4,89,389
₹49,389
5.8%
Category averageCategory average, 33 Multi Cap funds
₹4,40,000
₹5,20,863
₹80,863
9.2%
₹0₹2.0 L₹4.0 L₹6.0 L
Direct planBank of India Multi Cap Fund (Direct)
Regular planBank of India Multi Cap Fund (Regular)
Nifty500 Multicap 50:25:25 TRI
Category averageCategory average, 33 Multi Cap funds
Amount invested
202420252026
Direct planBank of India Multi Cap Fund (Direct)Regular planBank of India Multi Cap Fund (Regular)Nifty500 Multicap 50:25:25 TRICategory averageCategory average, 33 Multi Cap fundsAmount invested
From each plan's published NAV (Growth option), the benchmark's TRI and the category average, over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Bank of India Multi Cap Fund Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
89.9%Equity
Asset
Fund
Category
Equity
89.9%
94.9%
Cash and others
10.0%
4.5%
Debt
0.1%
0.6%
Market cap of stocks
Market cap
Fund
Category
Large Cap
30.8%
35.5%
Mid Cap
28.8%
27.2%
Small Cap
27.3%
29.4%
Not on AMFI's list
3.0%
2.8%
Share of the whole fund. Category: the average of the Multi Cap funds that hold stocks. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Bank of India Multi Cap Fund Sector Allocation
Sector allocation of the fund's stocks as on 30-09-2026
Largest sectors
Banks14.8%
Pharmaceuticals & Biotechnology12.5%
Retailing5.8%
Consumer Durables5.4%
Auto Components4.1%
Petroleum Products4.0%
Construction3.8%
Finance2.6%
Transport Services2.6%
Entertainment2.5%
The ten largest of 37 sectors. The other 27 add up to 31.7%.
Sector changes
Sector
July 2026
August 2026
September 2026
Change
Banks
13.4%
12.9%
14.8%
+1.4%
Pharmaceuticals & Biotechnology
11.6%
12.1%
12.5%
+0.9%
Retailing
7.2%
8.0%
5.8%
−1.4%
Consumer Durables
8.0%
7.2%
5.4%
−2.6%
Auto Components
3.3%
2.8%
4.1%
+0.8%
Each sector's share of the fund at the end of each month. The five largest sectors of September 2026. Change: from July 2026 to September 2026, in % of the fund.
Bank of India Multi Cap Fund Portfolio Holdings
As on 30-09-2026 · 67 holdings · from the fund house's monthly portfolio
Holdings
Sector / Rating
Weight%
Holdings trend
1M change
HDFC Bank Limited
Banks
5.48%
+5.6%
Reliance Industries Limited
Petroleum Products
4.00%
0.0%
Entero Healthcare Solutions Ltd
Retailing
2.76%
−18.3%
Kotak Mahindra Bank Limited
Banks
2.71%
0.0%
Container Corporation of India Limited
Transport Services
2.62%
+49.0%
Aurobindo Pharma Limited
Pharmaceuticals & Biotechnology
2.59%
−16.0%
Tips Music Limited
Entertainment
2.54%
0.0%
Quality Power Electrical Eqp Ltd
Electrical Equipment
2.45%
0.0%
Bank of Maharashtra
Banks
2.40%
0.0%
Dixon Technologies (India) Limited
Consumer Durables
2.39%
−22.3%
Dr. Reddy's Laboratories Limited
Pharmaceuticals & Biotechnology
2.32%
0.0%
Petronet LNG Limited
Gas
2.27%
0.0%
State Bank of India
Banks
2.19%
0.0%
Eris Lifesciences Limited
Pharmaceuticals & Biotechnology
2.01%
0.0%
Bank of Baroda
Banks
1.97%
New
Stylam Industries Limited
Consumer Durables
1.97%
0.0%
Hero Motors Ltd
Auto Components
1.70%
New
ITC Limited
Diversified FMCG
1.68%
0.0%
FSN E-Commerce Ventures Limited
Retailing
1.66%
−37.9%
Shriram Finance Limited
Finance
1.62%
0.0%
Acutaas Chemicals Limited
Pharmaceuticals & Biotechnology
1.58%
+46.4%
Cemindia Projects Ltd
Construction
1.56%
0.0%
Vedanta Aluminium Metal Limited
Non - Ferrous Metals
1.50%
0.0%
Aditya Vision Ltd
Retailing
1.42%
0.0%
Tata Consultancy Services Limited
IT - Software
1.38%
0.0%
One 97 Communications Limited
Financial Technology (Fintech)
1.37%
0.0%
Larsen & Toubro Limited
Construction
1.36%
0.0%
Mankind Pharma Limited
Pharmaceuticals & Biotechnology
1.36%
0.0%
Abbott India Limited
Pharmaceuticals & Biotechnology
1.34%
0.0%
Bharti Airtel Limited
Telecom - Services
1.31%
0.0%
Steel Authority of India Limited
Ferrous Metals
1.27%
0.0%
SBI Life Insurance Company Limited
Insurance
1.26%
0.0%
Maruti Suzuki India Limited
Automobiles
1.20%
0.0%
NTPC Limited
Power
1.16%
0.0%
Godfrey Phillips India Limited
Cigarettes & Tobacco Products
1.07%
0.0%
Emami Limited
Personal Products
1.05%
0.0%
CreditAccess Grameen Limited
Finance
1.01%
0.0%
Britannia Industries Limited
Food Products
0.98%
0.0%
Lloyds Metals And Energy Limited
Minerals & Mining
0.96%
0.0%
Vijaya Diagnostic Centre Limited
Healthcare Services
0.96%
0.0%
PSP Projects Limited
Construction
0.90%
0.0%
Endurance Technologies Limited
Auto Components
0.88%
0.0%
MRF Limited
Auto Components
0.85%
0.0%
Jindal Stainless Limited
Ferrous Metals
0.83%
0.0%
Gujarat Themis Biosyn Limited
Pharmaceuticals & Biotechnology
0.81%
0.0%
Bayer Cropscience Limited
Fertilizers & Agrochemicals
0.78%
0.0%
Jash Engineering Limited
Industrial Manufacturing
0.69%
0.0%
S.J.S. Enterprises Limited
Auto Components
0.67%
−18.4%
HEG Graphite Ltd
Miscellaneous
0.65%
New
Leap India Limited
Commercial Services & Supplies
0.64%
0.0%
Bharat Dynamics Limited
Aerospace & Defense
0.64%
0.0%
Adani Ports and Special Economic Zone Limited
Transport Infrastructure
0.61%
0.0%
Shakti Pumps (India) Limited
Industrial Products
0.58%
0.0%
Bharti Hexacom Limited
Telecom - Services
0.57%
0.0%
Senco Gold Limited
Consumer Durables
0.54%
0.0%
Steelcast Ltd
Industrial Products
0.54%
0.0%
Sky Gold And Diamonds Limited
Consumer Durables
0.52%
−46.4%
Sobha Limited
Realty
0.51%
+60.8%
Swan Corp Limited
Chemicals & Petrochemicals
0.50%
0.0%
PB Fintech Limited
Financial Technology (Fintech)
0.50%
−59.0%
Oberoi Realty Limited
Realty
0.49%
0.0%
Canara HSBC Life Insurance company Ltd
Insurance
0.49%
+29.2%
Wockhardt Limited
Pharmaceuticals & Biotechnology
0.47%
New
Tata Steel Limited
Ferrous Metals
0.40%
0.0%
United Spirits Limited
Beverages
0.37%
0.0%
364 Days Tbill (MD 07/01/2027) · Treasury bill
SOVEREIGN
0.09%
Glass Wall Systems India Limited
Other Construction Materials
0.02%
New
Bank of India Multi Cap Fund Stocks Bought and Sold
All changes are between August 2026 and September 2026
More
Stocks bought and sold in September 2026
HDFC Bank Limited
↑Added
+5.6%
5.48%
Entero Healthcare Solutions Ltd
↓Reduced
−18.3%
2.76%
Dixon Technologies (India) Limited
↓Reduced
−22.3%
2.39%
Aurobindo Pharma Limited
↓Reduced
−16.0%
2.59%
FSN E-Commerce Ventures Limited
↓Reduced
−37.9%
1.66%
Container Corporation of India Limited
↑Added
+49.0%
2.62%
PB Fintech Limited
↓Reduced
−59.0%
0.50%
Bank of Baroda
↑New
New
1.97%
Hero Motors Ltd
↑New
New
1.70%
Acutaas Chemicals Limited
↑Added
+46.4%
1.58%
Apollo Hospitals Enterprise Limited
↓Sold out
−100%
was 1.05%
HEG Limited
↓Sold out
−100%
was 1.01%
Sky Gold And Diamonds Limited
↓Reduced
−46.4%
0.52%
S.J.S. Enterprises Limited
↓Reduced
−18.4%
0.67%
HEG Graphite Ltd
↑New
New
0.65%
Sobha Limited
↑Added
+60.8%
0.51%
Canara HSBC Life Insurance company Ltd
↑Added
+29.2%
0.49%
Wockhardt Limited
↑New
New
0.47%
Glass Wall Systems India Limited
↑New
New
0.02%
No stocks in this group for September 2026.
A change is counted by the number of shares the fund holds, not by price. A stock can become a smaller part of the fund in a month when the fund bought more of it, if its price fell. Debt papers are left out.
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
Bank of India Multi Cap Fund Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
1.16%
Expense ratio (Regular)
2.48%
Category
Multi Cap
Risk
Very High
Launch date
03-03-2023
Minimum investment
₹5,000
Minimum additional investment
₹1,000
AUM
₹1,343.67 Cr (30-09-2026)
Lock in
None
Scheme code (Direct)
151443
ISIN (Direct)
INF761K01FR0
Scheme code (Regular)
151445
ISIN (Regular)
INF761K01FU4
NAV history
From 06-03-2023, 3.7 years
Benchmark
NIFTY 500 Multicap 50:25:25 Total Return Index
Exit load
Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months.
Tax on Bank of India Multi Cap Fund returns
Bank of India Multi Cap Fund is taxed as an equity fund: 65% or more of it is in Indian stocks.
Units sold within 1 year: the gain is taxed at 20%.
Units held longer: gains above ₹1.25 lakh in a financial year, across all your equity funds and shares, are taxed at 12.5%.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
All plans and options
Plan
Option
NAV
As on
direct
Growth
₹19.69
30-10-2026
direct
IDCW
₹19.66
30-10-2026
regular
Growth
₹18.88
30-10-2026
regular
IDCW
₹18.88
30-10-2026
About Bank of India Multi Cap Fund
Bank of India Multi Cap Fund is a mutual fund from Bank of India Mutual Fund. Its category is Multi Cap. It was launched on 03-03-2023. Its benchmark is NIFTY 500 Multicap 50:25:25 Total Return Index. At the end of September 2026 it held 67 securities.
Fund Manager
Nitin Gosar
Fund manager of Bank of India Multi Cap Fund, since 06-03-2023
Frequently Asked Questions for Bank of India Multi Cap Fund
What is the current NAV of Bank of India Multi Cap Fund?
The Direct plan NAV is ₹19.69. The Regular plan NAV is ₹18.88, as on 30-10-2026.
What are the returns of Bank of India Multi Cap Fund?
The Direct plan returned +3.52% in 1 year, +16.70% a year over 3 years. The Regular plan returned +2.16% in 1 year, +15.29% a year over 3 years. These figures are as on 30-10-2026.
What is the expense ratio of Bank of India Multi Cap Fund?
The Direct plan charges 1.16% a year. The Regular plan charges 2.48% a year. This is the figure the fund house reported to AMFI, in force from 16-10-2026.
What is the AUM of Bank of India Multi Cap Fund?
Bank of India Multi Cap Fund managed ₹1,343.67 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of Bank of India Multi Cap Fund?
At the end of September 2026 the largest holdings were HDFCBANK (5.48%), RELIANCE (4.00%), ENTERO (2.76%), KOTAKBANK (2.71%), CONCOR (2.62%). The fund held 67 securities in all.
What did Bank of India Multi Cap Fund buy and sell in September 2026?
It bought 5 new stocks: Hero Motors Ltd, Bank of Baroda, Wockhardt Limited, HEG Graphite Ltd, Glass Wall Systems India Limited. It sold out of 2: Apollo Hospitals Enterprise Limited, HEG Limited. It added shares in 5. It reduced 7.
How do I invest in Bank of India Multi Cap Fund?
Through Bank of India Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹5,000. You can invest once or through a monthly SIP.
Who is the fund manager of Bank of India Multi Cap Fund?
Nitin Gosar (since 06-03-2023).
Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.
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