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BANK OF INDIA MID & SMALL CAP EQUITY & DEBT FUND - REGULAR PLAN GROWTH is a hybrid scheme managed by Bank of India Mutual Fund. Over rolling three-year windows since inception, investors earned a median compounded return of 20.35%, with the bottom and top quartiles at 18.34% and 24.98% respectively. It has ranked in the top half of its category for 5 of the last 9 reported years. Risk-adjusted return (Sharpe ratio) is 0.00. The total expense ratio is 2.87% on assets of ₹1,482Cr. The fund is currently managed by Mr. Alok Singh, appointed within the last year.
Lower is better.
This scheme classifies as Large-Value on the 3x3 equity style box, with 76% of its portfolio classified as of 2026-04-30.
| Holding | Sector |
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| Window | Min | P25 | Median |
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Point-in-time CAGRs cherry-pick a single start date. The chart below shows the distribution of every possible rolling start over the fund's history, so you see the range of investor outcomes — not just one date's number.
Backtested SIP outcomes across both rolling-window scenarios and named historical stress events (COVID, Election uncertainty, Russia/Ukraine, etc.), plus per-manager alpha during their tenure on this scheme.
Same fund, monthly SIPs over rolling 1/3/5-year windows.
| Scheme | AMC | AUM | TER | 3Y |
|---|
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future results. MintByte is an AMFI-registered Mutual Fund Distributor (ARN-314872) and APMI member (APRN-01658). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Star ratings on this page reflect a 3-year category-quartile position computed in-house and are educational only.
Mutual fund schemes are subject to market risk. Read all scheme-related documents carefully before investing. Past performance is not indicative of future results. MintByte is an AMFI-registered mutual fund distributor (ARN-314872). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Not investment advice. Methodology · How we earn.
In-house derivations using 3-year daily NAV vs benchmark. See methodology.
| Weight |
|---|
| Indian Bank | Financial Services | 2.33% |
| Bharat Dynamics Limited | Industrials | 2.23% |
| Bank of Maharashtra | Financial Services | 2.07% |
| Shreeji Shipping Global Limited | Industrials | 1.64% |
| HEG Limited | Industrials | 1.63% |
| KSH International Limited | Industrials | 1.63% |
| Powerica Ltd | Industrials | 1.11% |
| Atlanta Electricals Limited | Industrials | 1.04% |
| Aye Finance Limited | Financial Services | 0.89% |
| Vedanta Ltd. | Basic Materials | 0.87% |
| Goodluck India Limited | Basic Materials | 0.85% |
| Swan Defence and Heavy Industries Ltd | Industrials | 0.74% |
| REC Limited | Financial Services | 0.53% |
| Bharti Hexacom Limited | Communication Services | 0.45% |
| Power Finance Corporation Ltd. | Financial Services | 0.41% |
| HDFC Bank Limited | Financial Services | 0.33% |
| LIC Housing Finance Ltd. | Financial Services | 0.33% |
| Senco Gold Limited | Consumer Cyclical | 0.31% |
| Union Bank of India | Financial Services | 0.27% |
| Bank of Baroda | Financial Services | 0.20% |
| Jyoti CNC Automation Ltd | Industrials | 0.10% |
| Aditya Birla Real Estate Limited | Real Estate | 0.02% |
| Sector | Holdings | Weight |
|---|---|---|
| Pharmaceuticals & Biotechnology | 6 | 10.74% |
| Ferrous Metals | 3 | 5.98% |
| Auto Components | 4 | 5.98% |
| Electrical Equipment | 1 | 5.58% |
| Finance | 1 | 4.78% |
| Industrial Products | 3 | 4.50% |
| Banks | 2 | 4.40% |
| Non - Ferrous Metals | 2 | 3.57% |
| Capital Markets | 2 | 3.06% |
| Industrial Manufacturing | 2 | 2.88% |
| Consumer Durables | 1 | 2.65% |
| Insurance | 2 | 2.53% |
| Aerospace & Defense | 1 | 2.23% |
| Agricultural Food & other Products | 2 | 2.18% |
| Cement & Cement Products | 1 | 1.82% |
| Transport Services | 1 | 1.64% |
| Textiles & Apparels | 2 | 1.55% |
| Fertilizers & Agrochemicals | 1 | 1.35% |
| Financial Technology (Fintech) | 1 | 1.26% |
| Commercial Services & Supplies | 2 | 1.20% |
| Diversified | 1 | 1.19% |
| Heavy Electrical Equipment | 1 | 1.11% |
| Leisure Services | 1 | 1.04% |
| Power | 1 | 0.98% |
| Retailing | 1 | 0.90% |
| IT - Services | 1 | 0.80% |
| Gas | 1 | 0.75% |
| Chemicals & Petrochemicals | 1 | 0.70% |
| Telecom - Equipment & Accessories | 1 | 0.60% |
| Beverages | 1 | 0.58% |
| Cigarettes & Tobacco Products | 1 | 0.46% |
| Telecom - Services | 1 | 0.45% |
| Petroleum Products | 1 | 0.30% |
| Paper, Forest & Jute Products | 1 | 0.02% |
| Construction | 1 | 0.01% |
Active bets vs the average Hybrid fund. Biggest deviations shown first.
Accent bar = fund's actual sector weight. Vertical black tick = category average for the same sector. Green overlay = overweight, dashed red = underweight. The biggest active bets show first.
How crowded into the same stocks is this fund vs the largest fund in its category?
Category leader = highest-AUM scheme in the same SEBI category. A high overlap-of-weight number means the fund is concentrated into the same names as the leader (crowded); a low one means it's genuinely differentiated.
| P75 |
|---|
| Max |
|---|
| Positive % |
|---|
| 1Y | -7.89% | 1.55% | 18.53% | 42.43% | 85.22% | 80.7% |
| 3Y | 11.16% | 18.34% | 20.35% | 24.98% | 29.79% | 100.0% |
| 5Y | 15.35% | 17.96% | 20.31% | 23.45% | 28.21% | 100.0% |
Each cell is one year. Q1 = top quartile within the AMFI category for that period. Cell label is the last two digits of the year.
Top-10 weight 15.4% means the portfolio is broad — even the top names don't dominate. Effective-N is the inverse Herfindahl index — a measure of "how many positions effectively drive the fund" after weighting. Category: Hybrid.
Compounding maths on a notional ₹10 lakh lumpsum at 12% gross annual return. Green bar is what you'd have without the fee; red overlay is the fee drag. Fee is constant in this scenario — actual outcomes depend on real returns and any future TER changes.
Each row is a back-tested SIP — monthly contribution over the regime's duration, no fees adjustment beyond NAV-baked TER. XIRR is the annualised IRR of those cashflows; Abs return is the absolute cash-on-cash; Max DD is the deepest drawdown experienced mid-investment. Past performance is not indicative of future results.
Alpha is the annualised excess return vs benchmark over the manager's tenure on this scheme. Beat-benchmark = total return beat the index over the same window.
| 5Y |
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| Star |
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