Bank of India Value Fund vs HDFC Value Fund
Direct Plan, Growth option · Data as on 30-10-2026
Bank of India Value Fund and HDFC Value Fund are both Value and Contra funds. Bank of India Value Fund charges 1.70% a year and HDFC Value Fund 1.11% (Direct plans). Their portfolios overlap 1.0%: they hold 1 of the same security.
Which is better, Bank of India Value or HDFC Value? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- HDFC Value costs less: 1.11% a year against 1.70% (Direct plans).
- Bank of India Value fell less in its worst fall since 22-09-2026: −5.6% against −6.3%.
- HDFC Value holds more in large companies: 56.6% of the fund in large caps against 2.0%.
- HDFC Value is the larger fund: ₹8,039 Cr against ₹356 Cr.
- Their portfolios overlap 1.0%: 1 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Bank of India Value Fund | HDFC Value Fund |
|---|---|---|
| Fund house | Bank of India Mutual Fund | HDFC Mutual Fund |
| Category | Value and Contra | Value and Contra |
| AUM | ₹356 Cr (30-09-2026) | ₹8,039 Cr (30-09-2026) |
| NAV | ₹9.81 (Direct) | ₹848.85 (Direct) |
| Expense ratio (Direct) | 1.70% | 1.11% |
| Expense ratio (Regular) | 2.79% | 1.88% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty 500 TRI | Nifty 500 TRI |
| Launch date | 21-09-2026 | 01-02-1994 |
| Minimum investment | ₹5,000 | ₹100 |
| Lock in | None | None |
| Fund managers | and for Direct Plan | Anand Laddha, Gopal Agrawal, Bhagyesh Kagalkar |
| Exit load | Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months. | In respect of each purchase / switch-in of units, an Exit Load of 0.25% is payable if Units are redeemed/ switched-out within 1 month from the date of allotment. No Exit Load is payable if Units are redeemed / switched-out after 1 month from the date of allotment. |
Bank of India Value vs HDFC Value: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Bank of India Value Fund (Direct) | −2.10% | -- | -- | -- | -- | -- | -- |
| HDFC Value Fund (Direct) | −1.58% | −4.12% | +1.58% | −1.48% | +15.13% | +12.33% | +13.72% |
| Value and Contra average | −2.09% | −5.76% | −3.23% | −5.72% | +11.83% | +11.08% | +12.63% |
Category average: the average of the 30 Value and Contra funds, same plan type.
Bank of India Value vs HDFC Value: Year-wise Returns
| Year | Bank of IndiaBank of India Value | HDFCHDFC Value | Nifty 500 TRI |
|---|---|---|---|
| 2026to date | -- | −1.84% | −7.51% |
| 2025 | -- | +9.51% | +7.76% |
| 2024 | -- | +21.73% | +16.24% |
| 2023 | -- | +30.73% | +26.91% |
| 2022 | -- | +4.58% | +4.25% |
| 2021 | -- | +36.87% | +31.60% |
Bank of India Value vs HDFC Value: Rolling Returns
Every holding period of both funds, against Nifty 500 TRI, the benchmark of both
Bank of India Value vs HDFC Value: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Bank of India Value Fund (Direct) | HDFC Value Fund (Direct) |
|---|---|---|
| Return (CAGR) | −18.42% | +15.36% |
| Standard deviation | 12.41% | 15.62% |
| Sharpe ratio | -1.93 | 0.60 |
| Sortino ratio | -2.52 | 0.80 |
| Maximum drawdown | −5.6% (23-10-2026) | −43.9% (23-03-2020) |
| Beta | 0.47 | 0.96 |
| Alpha | −6.59% | +2.76% |
From daily NAVs, 22-09-2026 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 and alpha compare each fund with its own benchmark's TRI.
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.
Bank of India Value Fund (Direct)
HDFC Value Fund (Direct)
Nifty 500 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Bank of India Value Fund (Direct) | −5.6% | 06-10-2026 | 23-10-2026 | Not yet | -- | −2.7% |
| HDFC Value Fund (Direct) | −6.3% | 23-09-2026 | 23-10-2026 | Not yet | -- | −4.6% |
| Nifty 500 TRI | −6.5% | 23-09-2026 | 23-10-2026 | Not yet | -- | −4.5% |
From daily values since 22-09-2026, the first day every fund has.
Bank of India Value vs HDFC Value: Portfolio Overlap
From each fund's latest monthly portfolio: Bank of India Value Fund, September 2026; HDFC Value Fund, September 2026
Holdings in common
- Overlap
- 1.0%
- Held by both
- 1
- Only in Bank of India Value
- 2
- Only in HDFC Value
- 79
| Security | % of Bank of India Value | % of HDFC Value |
|---|---|---|
| HDFC Bank Limited | 1.02% | 4.56% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 1.0% means 1.0% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Bank of India Value Fund
| Security | % of fund |
|---|---|
| Navin Fluorine International Limited | 2.04% |
| Kotak Mahindra Bank Limited | 1.00% |
Largest holdings only in HDFC Value Fund
| Security | % of fund |
|---|---|
| ICICI Bank Ltd. | 6.17% |
| Axis Bank Ltd. | 3.20% |
| State Bank of India | 3.16% |
| Bharti Airtel Ltd. | 2.84% |
| Larsen and Toubro Ltd. | 2.46% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Bank of India Value | HDFC Value |
|---|---|---|
| Equity | 4.1% | 98.5% |
| Debt | 0.0% | 0.0% |
| Cash and others | 95.9% | 1.5% |
Market cap of stocks
| Market cap | Bank of India Value | HDFC Value |
|---|---|---|
| Large Cap | 2.0% | 56.6% |
| Mid Cap | 0.0% | 22.7% |
| Small Cap | 2.0% | 18.2% |
| Not on AMFI's list | 0.0% | 1.0% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Bank of India Value | HDFC Value |
|---|---|---|
| Banks | 2.0% | 21.9% |
| Pharmaceuticals & Biotechnology | 0.0% | 6.9% |
| IT - Software | 0.0% | 6.0% |
| Finance | 0.0% | 5.7% |
| Automobiles | 0.0% | 5.0% |
| Auto Components | 0.0% | 4.7% |
| Chemicals & Petrochemicals | 2.0% | 0.8% |
The six largest sectors of each fund's stocks, % of the fund.
Bank of India Value vs HDFC Value: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Bank of India Value Fund | HDFC Value Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.70% | 1.11% |
| Base expense ratio (Direct) | 1.17% | 0.87% |
| Total expense ratio (Regular) | 2.79% | 1.88% |
| Base expense ratio (Regular) | 2.10% | 1.53% |
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, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Bank of India Value Fund vs HDFC Value Fund: Frequently Asked Questions
What is the difference between Bank of India Value Fund and HDFC Value Fund?
Both are Value and Contra funds, run by Bank of India Mutual Fund and HDFC Mutual Fund. Their portfolios overlap 1.0%. Bank of India Value Fund charges 1.70% a year and HDFC Value Fund 1.11%.
Which has the lower expense ratio, Bank of India Value Fund or HDFC Value Fund?
HDFC Value Fund charges less: 1.11% a year against 1.70%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Bank of India Value Fund and HDFC Value Fund overlap?
1.0%. They hold 1 of the same securities, the largest shared ones being HDFCBANK. From each fund's latest monthly portfolio.
Which is riskier, Bank of India Value Fund or HDFC Value Fund?
On SEBI's riskometer, Bank of India Value Fund is rated Very High and HDFC Value Fund Very High. Over their common history, the standard deviation of daily returns was 12.41% and 15.62% a year.
Can I invest in both Bank of India Value Fund and HDFC Value Fund?
Yes. 1.0% of each fund's money sits in the same holdings, so the two hold mostly different investments.
Who manages Bank of India Value Fund and HDFC Value Fund?
Bank of India Value Fund: and for Direct Plan. HDFC Value Fund: Anand Laddha, Gopal Agrawal, Bhagyesh Kagalkar.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
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.