{"id":257781,"date":"2026-09-18T16:39:52","date_gmt":"2026-09-18T11:09:52","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/bank-of-india-flexi-cap-fund-direct-growth-review-2026\/"},"modified":"2026-09-18T16:39:52","modified_gmt":"2026-09-18T11:09:52","slug":"bank-of-india-flexi-cap-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/bank-of-india-flexi-cap-fund-direct-growth-review-2026\/","title":{"rendered":"Bank of India Flexi Cap Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/bank-of-india-flexi-cap-fund-g-direct-plan\">Bank of India Flexi Cap Fund Direct Growth Plan<\/a> has a NAV of \u20b941.89 as of 17 Sep 2026 and a scheme AUM of \u20b92,952 Cr. Its 1-year, 3-year and 5-year returns are 10.1%, 18.09% and 16.01%, and the fund sits in the High Risk category. Our view is that this is a return-seeking equity option for investors who can accept sharp swings in the short run while still expecting the portfolio to participate meaningfully over longer periods.<\/p>\n<p>The fund\u2019s recent trend is weaker than its longer-horizon pattern, but the 3-year and 5-year numbers still point to a stronger compounding record than the benchmark. The portfolio is meaningfully exposed to banks and a handful of individual stocks, so the return path may stay uneven even when the long-term profile looks constructive.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-flexi-cap-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-flexi-cap-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-flexi-cap-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Bank_of_India_Flexi_Cap\" title=\"Should you BUY or HOLD Bank of India Flexi Cap?\">Should you BUY or HOLD Bank of India Flexi Cap?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-flexi-cap-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-flexi-cap-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-flexi-cap-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-flexi-cap-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-flexi-cap-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-flexi-cap-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-flexi-cap-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-flexi-cap-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b941.89 as of 17 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b92,952 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.47%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>29 Jun 2020<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b91,000<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>High Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Equity<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>NIL for 10% of investments and 1% for remaining investments on or before 3M, NIL after 3M<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Alok Singh<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Alok Singh.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>-1.8%<\/td>\n<td>-3.66%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>2.9%<\/td>\n<td>-3.71%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>10.1%<\/td>\n<td>-7.13%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>18.09%<\/td>\n<td>5.82%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>16.01%<\/td>\n<td>5.72%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The near-term picture is mixed, but not weak in absolute terms. Over one month the fund declined, yet it fell less than the benchmark, and over three months it produced a positive return while the benchmark stayed negative. That tells us the fund has recently been more resilient than the benchmark, even though the path has not been smooth.<\/p>\n<p>The one-year number is more useful for judging the current phase. The fund\u2019s 10.1% return is clearly ahead of the benchmark\u2019s negative 7.13%, which suggests the strategy has held up much better than the index over the latest full-year window. That is an important distinction: the fund has not only protected better in the short run, it has also delivered a positive outcome while the benchmark lost ground.<\/p>\n<p>The longer horizon is stronger still. The 3-year return of 18.09% and the 5-year return of 16.01% both stand well above the benchmark\u2019s 5.82% and 5.72%. Our read is that the fund has rewarded patience more than it has rewarded very recent entry and exit timing. The time pattern also suggests stretches of volatility, so the return profile looks more like a growth-oriented equity fund than a steady, low-dispersion product.<\/p>\n<p>That combination matters for investors. The fund has shown a better long-term compounding pattern than the benchmark, but the short-term numbers remind us that the path can wobble. For investors comparing only the latest month or quarter, the story is less compelling; for those looking across 3 years and 5 years, the picture is more favourable.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_Bank_of_India_Flexi_Cap\"><\/span>Should you BUY or HOLD Bank of India Flexi Cap?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding Bank of India Flexi Cap? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/bank-of-india-flexi-cap-fund-g-direct-plan\">Bank of India Flexi Cap Fund Direct Growth Plan<\/a><\/td>\n<td>10.1%<\/td>\n<td>18.09%<\/td>\n<td>16.01%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/iti-flexi-cap-fund-g-direct-plan\">ITI Flexi Cap Fund Direct Growth Plan<\/a><\/td>\n<td>9.54%<\/td>\n<td>17.61%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/navi-flexi-cap-fund-g-direct-plan\">Navi Flexi Cap Fund Direct Growth Plan<\/a><\/td>\n<td>7.9%<\/td>\n<td>10.18%<\/td>\n<td>10.89%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/lic-mf-multi-cap-fund-g-direct-plan\">LIC MF Multi Cap Fund Direct Growth Plan<\/a><\/td>\n<td>7.11%<\/td>\n<td>17.04%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-flexi-cap-fund-g-direct-plan\">Aditya Birla SL Flexi Cap Fund Direct Growth Plan<\/a><\/td>\n<td>5.94%<\/td>\n<td>13.33%<\/td>\n<td>10.98%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.<\/p>\n<p>On the latest one-year window, the fund is ahead of the peer set shown here, but the gap is not dramatic versus ITI Flexi Cap Fund Direct Growth Plan. The three-year return also compares well, where the fund\u2019s 18.09% is slightly stronger than ITI Flexi Cap Fund Direct Growth Plan and clearly ahead of the other peers listed.<\/p>\n<p>The five-year comparison is more mixed because fewer peers have a usable figure. Against the available names, the fund\u2019s 16.01% is ahead of Navi Flexi Cap Fund Direct Growth Plan and Aditya Birla SL Flexi Cap Fund Direct Growth Plan. That means the fund\u2019s short-term and longer-term pictures both look constructive relative to the available peer return data, even though the margin is not equally wide across every period.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>State Bank of India<\/td>\n<td>Bank<\/td>\n<td>5.01%<\/td>\n<\/tr>\n<tr>\n<td>TREPS<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>4.5%<\/td>\n<\/tr>\n<tr>\n<td>ICICI Bank Limited<\/td>\n<td>Bank<\/td>\n<td>3.94%<\/td>\n<\/tr>\n<tr>\n<td>Hindustan Aeronautics Limited<\/td>\n<td>Capital Goods<\/td>\n<td>2.99%<\/td>\n<\/tr>\n<tr>\n<td>SKY Gold and Diamonds Limited<\/td>\n<td>Diamond &amp; Jewellery<\/td>\n<td>2.9%<\/td>\n<\/tr>\n<tr>\n<td>Quality Power Electrical Eqp Ltd<\/td>\n<td>Domestic Equities<\/td>\n<td>2.84%<\/td>\n<\/tr>\n<tr>\n<td>Balrampur Chini Mills Limited<\/td>\n<td>Agri<\/td>\n<td>2.76%<\/td>\n<\/tr>\n<tr>\n<td>Mankind Pharma Limited<\/td>\n<td>Healthcare<\/td>\n<td>2.7%<\/td>\n<\/tr>\n<tr>\n<td>DR. Reddy&#8217;S Laboratories Limited<\/td>\n<td>Healthcare<\/td>\n<td>2.47%<\/td>\n<\/tr>\n<tr>\n<td>Bharti Airtel Limited<\/td>\n<td>Telecom<\/td>\n<td>2.45%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest disclosed holding is State Bank of India at 5.01%, which is meaningful but not dominant on its own. The decline from the first holding to the tenth is fairly gradual, moving from just above 5% to 2.45%, so the fund does not appear to rely on one very large position for most of its visible exposure.<\/p>\n<p>Even so, the top ten holdings together account for 32.56% of the portfolio, and that is enough to matter. With 65 disclosed holdings in total, the portfolio looks diversified across a long tail, but the top names still could have greater influence on returns than the smaller positions. Banks stand out at the top of the table, and that may create a noticeable sensitivity to financials alongside exposure to capital goods, healthcare, telecom and other sectors.<\/p>\n<p>Our view is that this mix suggests a portfolio that is spread across many holdings while still keeping a visible core in a few larger positions. That balance may help diversify company-specific risk, but it does not remove the possibility that a handful of stocks and sectors drive a meaningful share of outcomes.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/bank-of-india-flexi-cap-fund-g-direct-plan\">Bank of India Flexi Cap Fund Direct Growth Plan<\/a> page<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund suits investors who can live with High Risk equity volatility and who have a long enough horizon to let the 3-year and 5-year pattern matter more than the weaker recent stretch. The benchmark comparison and peer comparison both support a case for patient investors rather than those looking for stable month-to-month outcomes.<\/p>\n<p>The trade-off is straightforward: you get a return profile that has held up well over longer periods, but you must accept uneven short-term performance and a portfolio with visible concentration in a few larger holdings. That makes it more suitable for investors who can stay invested through market swings and are comfortable with equity-style fluctuations in pursuit of growth.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Exit load:<\/strong> NIL for 10% of investments and 1% for remaining investments on or before 3M, NIL after 3M.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>What is the current NAV of Bank of India Flexi Cap Fund Direct Growth Plan?<\/strong><br \/>The current NAV is \u20b941.89 as of 17 Sep 2026.<\/p>\n<p><strong>What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/strong><br \/>The fund\u2019s returns are 10.1% for 1 year, 18.09% for 3 years and 16.01% for 5 years.<\/p>\n<p><strong>How does the fund compare with Nifty 50?<\/strong><br \/>It has outpaced Nifty 50 across 1-year, 3-year and 5-year periods. The benchmark returns are -7.13%, 5.82% and 5.72% for those same windows.<\/p>\n<p><strong>How does it compare with the peer funds listed here?<\/strong><br \/>Its 1-year and 3-year returns compare well with the peer funds shown, and its 5-year return is also ahead of the peers with available 5-year figures in this set.<\/p>\n<p><strong>Does the fund allow SIP?<\/strong><br \/>Yes, SIP is allowed.<\/p>\n<p><strong>Who manages the fund and what is the exit load?<\/strong><br \/>The fund is managed by Alok Singh. The exit load is NIL for 10% of investments and 1% for remaining investments on or before 3M, and NIL after 3M.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bank of India Flexi Cap Fund Direct Growth Plan shows a stronger longer-term picture than its latest short-term stretch, and that gap matters for interpretation. Its performance is ahead of the benchmark across the periods shown and compares well with the peer names listed here, especially on the 3-year horizon. The fund carries High Risk, and the portfolio has visible weight in a few larger holdings, so it is better suited to investors who can stay patient through volatility while focusing on longer-run equity compounding.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 18 September 2026 at 4:38 PM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"Bank of India Flexi Cap Fund Direct Growth Plan\",\"identifier\":\"bank-of-india-flexi-cap-fund-g-direct-plan\",\"category\":\"Equity\",\"dateCreated\":\"29 Jun 2020\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":41.89,\"valueReference\":\"as of 17 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"2952 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.47\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":10.1},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":18.09},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":16.01},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Alok Singh\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Bank of India Flexi Cap Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b941.89 as of 17 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s returns are 10.1% for 1 year, 18.09% for 3 years and 16.01% for 5 years.\"}},{\"@type\":\"Question\",\"name\":\"How does the fund compare with Nifty 50?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has outpaced Nifty 50 across 1-year, 3-year and 5-year periods. The benchmark returns are -7.13%, 5.82% and 5.72% for those same windows.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with the peer funds listed here?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year and 3-year returns compare well with the peer funds shown, and its 5-year return is also ahead of the peers with available 5-year figures in this set.\"}},{\"@type\":\"Question\",\"name\":\"Does the fund allow SIP?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, SIP is allowed.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Alok Singh. The exit load is NIL for 10% of investments and 1% for remaining investments on or before 3M, and NIL after 3M.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bank of India Flexi Cap Fund Direct Growth Plan has a NAV of \u20b941.89 as of 17 Sep 2026, AUM of \u20b92,952 Cr, and 1Y\/3Y\/5Y returns of 10.1%, 18.09% and 16.01%.<\/p>\n","protected":false},"author":38,"featured_media":257780,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-257781","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["257780"],"rank_math_title":["Bank of India Flexi Cap Fund NAV, Returns &amp; Review"],"rank_math_description":["Bank of India Flexi Cap Fund Direct Growth Plan NAV is \u20b941.89 as of 17 Sep 2026; 1Y return is 10.1% and 5Y return is 16.01%."],"rank_math_focus_keyword":["Bank of India Flexi Cap Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/Bank_of_India_Flexi_Cap_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_bullish.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/257781","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=257781"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/257781\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/257780"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=257781"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=257781"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=257781"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}