HealthyDirect · GrowthFit for a long SIP
BANK OF INDIA LARGE CAP FUND
Bank of India Mutual FundEquity Scheme - Large Cap Fund5.3 years
The scheme seeks to provide investors with the opportunities long term capital appreciation by investing predominantly in equity and equity-related instruments of large cap companies.
- NAV
- 17.01
- 30 Oct 2026
- 1Y
- -2.8%
- Trailing CAGR
- AUM
- ₹226.16 Cr
- 30 Sept 2026
- Volatility
- Medium
- 14.6% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 61% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Pass
5.3 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
1.29% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -22.6%. Ask whether you can hold through a similar fall.
Vs category
Pass
61% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Alok Singh · 2.1 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 41.0% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 23%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
If you start a SIP here, diary a 90-day check and an annual review - don’t react to every NAV print.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y-2.8%
- 3Y+11.8%
- 5Y+8.6%
- 10Yn/a
- SI+10.5%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-4.0%
- 3Y+3.0%
- 5Y+9.1%
- 10Yn/a
- Since inception
- +10.5%
- Calendar-day CAGR
- Excess 1Y
- +3.8%
- Category median, same plan and option
- 3Y win rate
- +61%
- Windows beating the median
- 3Y percentile
- 85
- Vs comparable share classes
- SIP 3Y XIRR
- +3.0%
- Simulated monthly SIP
- Worst rolling 3Y
- +10.0%
- 577 daily-ending windows
- Median rolling 3Y
- +15.9%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 84 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -22.6%
- Worst peak-to-trough
- Current
- -6.5%
- Below last peak
- Current spell
- 66 days
- Days below latest peak
- Time below peak
- +89%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 21 days
- 53 recovered episodes
- Longest recovery
- 384 days
- Trough to prior peak
18 Oct 2021 – 6 Jul 2023
Trough 17 Jun 2022 · recovered in 384 days
-22.6%
27 Sept 2024 – 9 Feb 2026
Trough 28 Feb 2025 · recovered in 346 days
-20.8%
18 Feb 2026 – 3 Aug 2026
Trough 30 Mar 2026 · recovered in 126 days
-13.0%
25 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-8.7%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
85
Vs category
74
Consistency
52
Risk-adjusted
43
Drawdown
44
Mean
60
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 61% of rolling 3-year windows.
- Three-year return is above the category median.
Portfolio
30 Sept 2026 · 61 holdings · top 10 are 41.0%.
- Top 5
- 25.7%
- Top 10
- 41.0%
- Largest holding
- 7.2%
- Effective holdings
- 36.6
HDFC Bank Ltd
Financial
7.2%
ICICI Bank Ltd
Financial
5.8%
State Bank of India
Financial
4.6%
Adani Ports and Special Economic Zone Ltd
Industrials
4.5%
ICICI Prudential Asset Management Company Ltd.
Financial
3.5%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
BAJAJ FINSERV LARGE CAP FUND
Bajaj Finserv Mutual Fund
- 1Y
- -4.5%
- 3Y
- n/a
- Vol
- 12.8%
- Max DD
- -16.9%
- Sharpe
- -0.43
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
BARODA BNP PARIBAS LARGE CAP FUND
Baroda BNP Paribas Mutual Fund
- 1Y
- -4.3%
- 3Y
- +11.5%
- Vol
- 12.8%
- Max DD
- -18.2%
- Sharpe
- 0.49
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
quant Large Cap Fund
quant Mutual Fund
- 1Y
- -0.9%
- 3Y
- +13.6%
- Vol
- 15.3%
- Max DD
- -21.1%
- Sharpe
- 0.45
- 3Y win
- +79%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Higher TER
BANDHAN LARGE CAP FUND
Bandhan Mutual Fund
- 1Y
- -4.6%
- 3Y
- +13.2%
- Vol
- 15.6%
- Max DD
- -35.1%
- Sharpe
- 0.47
- 3Y win
- +63%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Sundaram Large Cap Fund ( Formerly Know as Sundaram Blue Chip Fund)
Sundaram Mutual Fund
- 1Y
- -6.1%
- 3Y
- +8.0%
- Vol
- 13.5%
- Max DD
- -16.2%
- Sharpe
- 0.60
- 3Y win
- +18%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns