Bank of India Small Cap Fund SIP Calculator
Calculate historical returns and project future compounding for BOI Small Cap. Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Small Cap
AUM
₹3,307 Cr
Expense Ratio
0.73%
Fund Manager
Ajay Khandelwal
BOI Small Cap Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 21.6% CAGR | 5 Years @ 20.1% CAGR | 10 Years @ 20.1% CAGR |
|---|---|---|---|
| ₹1,000/mo | ₹50,958 Invested: ₹36,000 | ₹1,03,725 Invested: ₹60,000 | ₹3,84,603 Invested: ₹1,20,000 |
| ₹2,500/mo | ₹1,27,396 Invested: ₹90,000 | ₹2,59,312 Invested: ₹1,50,000 | ₹9,61,509 Invested: ₹3,00,000 |
| ₹5,000/mo | ₹2,54,791 Invested: ₹1,80,000 | ₹5,18,623 Invested: ₹3,00,000 | ₹19,23,017 Invested: ₹6,00,000 |
| ₹10,000/mo | ₹5,09,582 Invested: ₹3,60,000 | ₹10,37,246 Invested: ₹6,00,000 | ₹38,46,035 Invested: ₹12,00,000 |
| ₹25,000/mo | ₹12,73,955 Invested: ₹9,00,000 | ₹25,93,115 Invested: ₹15,00,000 | ₹96,15,087 Invested: ₹30,00,000 |
* Projections calculated using actual historical 3-year (21.62%), 5-year (20.09%), and 10-year (20.09%) performance data. Actual mutual fund returns fluctuate with market NAV.
About Bank of India Small Cap Fund
An agile small-cap fund delivering exceptional risk-adjusted returns by investing in high-conviction small-cap ideas.
Investment Strategy
Active, multi-sector approach targeting undiscovered companies at reasonable valuations before institutional discovery.
Key Facts
- Agile fund size allowing swift execution
- Expense ratio: 0.73% (Direct)
- Benchmark: Nifty Smallcap 250 TRI
Historical Returns
3-Year CAGR
21.62%
5-Year CAGR
20.09%
10-Year CAGR
Benchmark
Nifty Smallcap 250 TRI
Returns are illustrative based on historical performance. Actual returns may vary. Verify with AMC before investing.
Top Holdings & Sector Allocation
As of September 2026, BOI Small Cap's portfolio includes:
Top 5 Holdings
- Repo
- Ami Organics
- Quality Power Electrical
- Sky Gold Ltd
- Wockhardt Ltd
Sector Allocation
Who Is This Fund Suitable For?
Suitable for aggressive investors seeking alpha through nimble small-cap fund management.
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Or compare side by side using our main SIP calculator — you can test different funds with the same investment amount and dates to see which performed better.
Other Tools for BOI Small Cap Investors
- FIRE Calculator — Plan your retirement corpus with BOI Small Cap as part of your portfolio
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- SIP vs EMI Calculator — Compare investing in BOI Small Cap vs paying off loans
Frequently Asked Questions About BOI Small Cap
What is the historical SIP return of BOI Small Cap?
Based on the latest data, BOI Small Cap has delivered an annualized return (CAGR) of 21.62% over 3 years, 20.09% over 5 years, and undefined over 10 years. Past performance does not guarantee future results.
How is BOI Small Cap SIP return calculated?
SIP returns are calculated using the XIRR (Extended Internal Rate of Return) method. Each monthly installment buys units at the fund's Net Asset Value (NAV) on that specific day. When markets are down, your SIP buys more units, and when markets are up, it buys fewer units (rupee cost averaging). Our calculator replays this exact process using historical NAV data to compute the precise current value of your accumulated units.
How much return would ₹5,000 monthly SIP in BOI Small Cap generate over 5 years?
At an estimated annual return rate of 20.09%, a monthly ₹5,000 investment (₹3,00,000 total invested) would grow to approximately ₹5,18,623 in 5 years, yielding an estimated wealth gain of ₹2,18,623. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in BOI Small Cap?
BOI Small Cap's top holdings include Repo, Ami Organics, Quality Power Electrical, and Sky Gold Ltd. The fund's sector allocation is diversified across multiple sectors.
What is the risk profile of BOI Small Cap?
BOI Small Cap is a Small Cap fund with moderate to high risk depending on market conditions. Investors should assess their risk tolerance before investing..
What are the tax implications of investing in BOI Small Cap?
Gains from BOI Small Cap are subject to capital gains tax. Equity funds held over 1 year qualify for LTCG at 12.5% on gains above ₹1.25 lakh per year. Consult a tax advisor for your specific situation.
Data last updated: September 2026 | Fund data sourced from AMFI and BSE public APIs
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