Bank Of India Large & Mid Cap Fund Review: Plans, NAV, Returns and Portfolio Analysis 2026

Bank Of India Large & Mid Cap Fund is a large and mid cap fund offered by Bank of India Mutual Fund, available in Direct and ECO and Regular Plans across Quarterly IDCW, IDCW, Growth. The scheme aims to generate long term capital appreciation through investment in both large cap and mid cap stocks, with at least 35% of the portfolio in each segment at all times. With multiple variants, Bank Of India Large & Mid Cap Fund lets investors choose between different cost structures and payout approaches within the same base scheme.

This article reviews Bank Of India Large & Mid Cap Fund across all its available plans and options, covering the latest NAV, expense ratio, portfolio approach, performance, exit load and investor suitability, based on publicly available data as of August 2026.

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Bank Of India Large & Mid Cap Fund Plans and Options Available

Bank Of India Large & Mid Cap Fund is offered across 12 scheme codes. The table below lists all available variants with ISIN codes and latest NAV figures.

Scheme Code	Plan	Option	ISIN (Growth / Payout)	ISIN (Reinvestment)	NAV (Rs)	NAV Date
119349	Direct Plan	Quarterly IDCW	INF761K01678	INF761K01660	30.05	20-Jul-2026
119300	Direct Plan	Growth	INF761K01629	-	55.87	20-Jul-2026
119350	Direct Plan	Growth	INF761K01652	-	108.21	20-Jul-2026
119346	Direct Plan	IDCW	INF761K01645	INF761K01637	29.6	20-Jul-2026
110604	ECO Plan	Quarterly IDCW	INF761K01058	INF761K01066	29.04	20-Jul-2026
110599	ECO Plan	Growth	INF761K01041	-	102.95	20-Jul-2026
110601	ECO Plan	Growth	INF761K01017	-	102.96	20-Jul-2026
110598	Regular Plan	Quarterly IDCW	INF761K01116	INF761K01124	33.86	20-Jul-2026
110608	Regular Plan	IDCW	INF761K01025	INF761K01033	28.83	20-Jul-2026
110603	Regular Plan	Growth	INF761K01108	-	92.97	20-Jul-2026
110607	Regular Plan	IDCW	INF761K01082	INF761K01090	27.75	20-Jul-2026
110606	Regular Plan	Growth	INF761K01074	-	92.96	20-Jul-2026

Investment Objective and Portfolio Approach

Bank Of India Large & Mid Cap Fund seeks to generate long term capital appreciation through investment in both large cap and mid cap stocks, with at least 35% of the portfolio in each segment at all times.

In terms of portfolio construction, the scheme holds at least 35% of assets in large cap stocks (top 100 by market capitalisation) and at least 35% in mid cap stocks (101st to 250th), with the remaining allocation flexible.

Bank Of India Large & Mid Cap Fund Performance and Returns

Bank Of India Large & Mid Cap Fund has delivered returns that are dependent on the fund manager's portfolio decisions, market conditions and the expense ratio differential between plans; investors should check the latest factsheet for current figures. Performance across individual plans and options may vary slightly due to differing expense ratios and whether gains are paid out under the IDCW option or reinvested under the Growth option.

The Direct Plan of any mutual fund typically delivers a slightly higher return than the Regular Plan of the same scheme over time, since it charges a lower expense ratio by excluding distributor commission. Investors should review the latest scheme factsheet from the AMC for current performance figures.

Direct Plan vs Regular Plan: Key Differences in Bank Of India Large & Mid Cap Fund

The Direct Plan of Bank Of India Large & Mid Cap Fund is available for investors transacting directly with the AMC or through a registered investment advisor, and carries lower than the Regular Plan of the same scheme, since it excludes distributor commission. The Regular Plan carries not independently verified; investors should check the latest expense ratio on the AMC website or Univest Screener.

Over longer holding periods, the compounding effect of this cost difference can be meaningful, which is why cost conscious investors often prefer the Direct Plan when they are comfortable transacting without distributor support.

Growth Option vs IDCW Option in Bank Of India Large & Mid Cap Fund

The Growth option of Bank Of India Large & Mid Cap Fund reinvests any gains back into the scheme NAV, supporting long term wealth compounding for investors who do not need periodic payouts.

The IDCW option of Bank Of India Large & Mid Cap Fund distributes available surplus to unit holders according to the chosen frequency, subject to the fund house declaring a distribution. Payouts under any IDCW option are not guaranteed and depend on distributable surplus.

Expense Ratio and Exit Load

The expense ratio for the Regular Plan of Bank Of India Large & Mid Cap Fund is not independently verified; investors should check the latest expense ratio on the AMC website or Univest Screener, while the Direct Plan carries lower than the Regular Plan of the same scheme, since it excludes distributor commission. This is the annual fee deducted from the scheme's assets.

The exit load on Bank Of India Large & Mid Cap Fund is typically 1% exit load on redemptions within 12 months; investors should confirm in the scheme information document.

Who Should Consider Bank Of India Large & Mid Cap Fund

Long term wealth builders. Bank Of India Large & Mid Cap Fund suits investors with a long term horizon of 5 years or more who can ride out equity market cycles.

Investors seeking diversification. The broad market exposure in Bank Of India Large & Mid Cap Fund avoids concentration in a single sector or market cap segment.

Growth oriented investors. Investors focused on long term capital appreciation rather than regular income may find Bank Of India Large & Mid Cap Fund suitable.

Key Risks in Bank Of India Large & Mid Cap Fund

Equity market risk. The equity portfolio of Bank Of India Large & Mid Cap Fund is fully exposed to stock market downturns with no debt cushion.

Concentration risk. Being actively managed, the fund may take meaningful sector or stock level bets that can underperform the broader market.

Fund manager risk. Performance depends on the fund manager's stock selection and market timing decisions.

How to Invest in Bank Of India Large & Mid Cap Fund

Investors evaluating Bank Of India Large & Mid Cap Fund should begin by deciding between the Direct and Regular Plan, and between the Growth option for long term compounding and the IDCW option for periodic payouts.

Completing KYC through a SEBI registered intermediary or the AMC portal is mandatory before investing for the first time. Investors who have existing KYC registration can proceed directly.

Investment in Bank Of India Large & Mid Cap Fund can be made as a lump sum or through a Systematic Investment Plan of at least Rs 1,000 lump sum, followed by regular monitoring of NAV and portfolio composition at least quarterly.

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Conclusion

Bank Of India Large & Mid Cap Fund is a large and mid cap fund scheme from Bank of India Mutual Fund available across 12 plan and option variants, giving investors flexibility in cost structure and payout approach. The representative NAV of Rs 108.21 for the Direct Plan Growth option as on 20-Jul-2026 reflects the scheme's performance since launch. Investors should review the latest scheme information document and consult a SEBI registered advisor before investing.

Frequently Asked Questions on Bank Of India Large & Mid Cap Fund

What plans and options are available in Bank Of India Large & Mid Cap Fund?

Ans. Bank Of India Large & Mid Cap Fund is available in Direct and ECO and Regular Plans and Quarterly IDCW, IDCW, Growth, giving investors 12 scheme codes to choose from depending on cost preference and payout requirements.

What is the latest NAV of Bank Of India Large & Mid Cap Fund?

Ans. The latest NAV of the Direct Plan Growth option of Bank Of India Large & Mid Cap Fund is Rs 108.21 as on 20-Jul-2026. NAVs for all plan and option variants are updated at the end of every business day.

What is the investment objective of Bank Of India Large & Mid Cap Fund?

Ans. The primary objective of Bank Of India Large & Mid Cap Fund is to generate long term capital appreciation through investment in both large cap and mid cap stocks, with at least 35% of the portfolio in each segment at all times.

What is the difference between the Direct and Regular Plan in Bank Of India Large & Mid Cap Fund?

Ans. The Direct Plan of Bank Of India Large & Mid Cap Fund carries lower than the Regular Plan of the same scheme, since it excludes distributor commission, excluding distributor commission. The Regular Plan carries not independently verified; investors should check the latest expense ratio on the AMC website or Univest Screener. The lower cost of the Direct Plan can improve long term compounding.

What is the expense ratio of Bank Of India Large & Mid Cap Fund?

Ans. The Regular Plan of Bank Of India Large & Mid Cap Fund carries an expense ratio of not independently verified; investors should check the latest expense ratio on the AMC website or Univest Screener, and the Direct Plan carries lower than the Regular Plan of the same scheme, since it excludes distributor commission. The exact current figure can be confirmed in the latest AMC factsheet.

What is the exit load on Bank Of India Large & Mid Cap Fund?

Ans. The exit load on Bank Of India Large & Mid Cap Fund is typically 1% exit load on redemptions within 12 months; investors should confirm in the scheme information document. Investors should confirm this in the current scheme information document before redeeming.

Who should invest in Bank Of India Large & Mid Cap Fund?

Ans. Bank Of India Large & Mid Cap Fund can suit investors whose financial goals, risk appetite and investment horizon align with the large and mid cap fund category. Consult a SEBI registered advisor to assess personal suitability.

Is Bank Of India Large & Mid Cap Fund a good investment?

Ans. Bank Of India Large & Mid Cap Fund can be appropriate for investors who understand the large and mid cap fund category mandate and are comfortable with the associated risk. Past performance does not guarantee future returns.