MonitorDirect · GrowthWatch before adding
BANK OF INDIA LARGE & MID CAP FUND
Bank of India Mutual FundEquity Scheme - Large & Mid Cap Fund13.8 years
The scheme aims at 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.
- NAV
- 103.47
- 29 Oct 2026
- 1Y
- -0.8%
- Trailing CAGR
- AUM
- ₹529.09 Cr
- 31 Aug 2026
- Volatility
- High
- 16.1% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Prefer peers if · Prefer Baroda BNP Paribas Large and Mid Cap fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
1.42% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Watch
Peak-to-trough -37.9%. Ask whether you can hold through a similar fall.
Vs category
Fail
15% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Nitin Gosar · 4.1 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 ≈ 42.8% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
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 38%. 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
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
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-0.8%
- 3Y+13.5%
- 5Y+10.8%
- 10Y+12.8%
- SI+13.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-1.5%
- 3Y+4.6%
- 5Y+10.8%
- 10Y+13.6%
- Since inception
- +13.2%
- Calendar-day CAGR
- Excess 1Y
- +3.0%
- Category median, same plan and option
- 3Y win rate
- +15%
- Windows beating the median
- 3Y percentile
- 59
- Vs comparable share classes
- SIP 3Y XIRR
- +4.6%
- Simulated monthly SIP
- Worst rolling 3Y
- -5.7%
- 2652 daily-ending windows
- Median rolling 3Y
- +15.3%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2159 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -37.9%
- Worst peak-to-trough
- Current
- -6.2%
- Below last peak
- Current spell
- 64 days
- Days below latest peak
- Time below peak
- +89%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 15 days
- 132 recovered episodes
- Longest recovery
- 305 days
- Trough to prior peak
8 Jan 2018 – 18 Nov 2020
Trough 23 Mar 2020 · recovered in 240 days
-37.9%
30 Aug 2024 – 2 Jan 2026
Trough 3 Mar 2025 · recovered in 305 days
-21.2%
3 Mar 2015 – 8 Aug 2016
Trough 25 Feb 2016 · recovered in 165 days
-21.1%
17 Jan 2022 – 28 Nov 2022
Trough 20 Jun 2022 · recovered in 161 days
-19.6%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
59
Vs category
69
Consistency
25
Risk-adjusted
50
Drawdown
5
Mean
42
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Maximum drawdown exceeded 35%.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
31 Aug 2026 · 52 holdings · top 10 are 42.8%.
- Top 5
- 26.1%
- Top 10
- 42.8%
- Largest holding
- 7.5%
- Effective holdings
- 33.2
HDFC Bank Ltd
Financial
7.5%
Reliance Industries Ltd
Energy & Utilities
6.3%
Dixon Technologies (India) Ltd
Consumer Discretionary
4.4%
FSN E-Commerce Ventures Ltd
Consumer Discretionary
4.3%
Kotak Mahindra Bank Ltd
Financial
3.7%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Baroda BNP Paribas Large and Mid Cap fund
Baroda BNP Paribas Mutual Fund
- 1Y
- -3.8%
- 3Y
- +13.7%
- Vol
- 14.9%
- Max DD
- -20.6%
- Sharpe
- 0.86
- 3Y win
- +81%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Edelweiss Large & Mid Cap Fund
Edelweiss Mutual Fund
- 1Y
- -3.0%
- 3Y
- +13.6%
- Vol
- 15.7%
- Max DD
- -34.9%
- Sharpe
- 0.67
- 3Y win
- +88%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Bandhan Large & Mid Cap Fund
Bandhan Mutual Fund
- 1Y
- -3.7%
- 3Y
- +16.9%
- Vol
- 15.8%
- Max DD
- -38.5%
- Sharpe
- 0.61
- 3Y win
- +61%
- Lower volatility
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
DSP Large & Mid Cap Fund
DSP Mutual Fund
- 1Y
- -7.4%
- 3Y
- +12.9%
- Vol
- 15.9%
- Max DD
- -36.8%
- Sharpe
- 0.62
- 3Y win
- +74%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
ICICI Prudential Large & Mid Cap Fund
ICICI Prudential Mutual Fund
- 1Y
- -9.1%
- 3Y
- +13.5%
- Vol
- 15.3%
- Max DD
- -37.4%
- Sharpe
- 0.63
- 3Y win
- +51%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns