BANK OF INDIA FLEXI CAP FUND vs SBI FLEXICAP FUND
BANK OF INDIA FLEXI CAP FUND and SBI FLEXICAP FUND are both Flexi Cap funds. As of 4 Nov 2026 (Direct plan, Growth option): 3-year CAGR +18.73% vs +8.92%, 5-year CAGR +15.42% vs +7.35%, volatility 17.93% vs 13.48%, maximum drawdown −23.73% vs −35.80%. Their portfolios overlap by 18.1% (14 stocks held by both).
Showing the Direct plan, Growth option. Portfolio, sector and market-cap figures are the same for every plan and option of a fund.
Key facts
| BANK OF INDIA FLEXI CAP | SBI FLEXICAP | |
|---|---|---|
| Fund house | Bank of India Mutual Fund | SBI Mutual Fund |
| Compared as | Flexi Cap | Flexi Cap |
| NAV | ₹41.5700 | ₹120.1130 |
| NAV date | 4 Nov 2026 | 4 Nov 2026 |
| Launched (first NAV) | 1 Jul 2020 | 7 Jan 2013 |
| Track record | 6.3 yrs | 13.8 yrs |
| Fund size (AUM) | ₹3,098 Cr | ₹22,109 Cr |
| Securities held | 75 | 67 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| BANK OF INDIA FLEXI CAP | SBI FLEXICAP | |
|---|---|---|
| 1 month | −0.41% | +1.82% |
| 3 months | −1.26% | −2.55% |
| 6 months | +3.13% | −0.28% |
| 1 year | +6.40% | −3.69% |
| 3 years (CAGR) | +18.73% | +8.92% |
| 5 years (CAGR) | +15.42% | +7.35% |
| 7 years (CAGR) | — | +12.15% |
| 10 years (CAGR) | — | +12.01% |
| Since launch (CAGR) | +25.10% | +14.27% |
| SIP return (XIRR, 5 years) ⓘ | +16.19% | +7.01% |
Up to one year: absolute return. Beyond one year: CAGR. Computed from each fund's own NAV history (AMFI), measured to the latest NAV.
Calendar-year returns
| BANK OF INDIA FLEXI CAP | SBI FLEXICAP | |
|---|---|---|
| 2026 (year to date) | +7.95% | −5.23% |
| 2025 | +1.16% | +6.35% |
| 2024 | +30.91% | +15.19% |
| 2023 | +39.67% | +23.88% |
| 2022 | +0.77% | +1.60% |
| 2021 | +48.53% | +32.05% |
Risk
| BANK OF INDIA FLEXI CAP | SBI FLEXICAP | |
|---|---|---|
| Volatility (annualised) ⓘ | 17.93% | 13.48% |
| Downside volatility ⓘ | 11.34% | 10.21% |
| Sharpe ratio ⓘ | 0.68 | 0.18 |
| Sortino ratio ⓘ | 1.08 | 0.24 |
| Maximum drawdown ⓘ | −23.73% | −35.80% |
| Recovery from that fall | 14 months | 8 months |
| Current fall from peak | −3.12% | −6.13% |
| Rolling 1-year return: worst | −7.53% | −28.59% |
| Rolling 1-year return: median | +16.11% | +13.11% |
| Rolling 1-year return: best | +82.19% | +88.42% |
| Share of 1-year periods with a loss | 14.42% | 17.09% |
Against each fund's benchmark
| BANK OF INDIA FLEXI CAP | SBI FLEXICAP | |
|---|---|---|
| Beta ⓘ | 1.08 | 0.86 |
| Alpha (Jensen's, annualised) ⓘ | +7.17% | −1.52% |
| R² ⓘ | 80.65 | 95.74 |
| Upside capture | 129.58% | 84.45% |
| Downside capture | 101.21% | 87.32% |
| Tracking error | 8.38% | 3.58% |
| Information ratio | 0.95 | -0.57 |
| Treynor ratio | 10.75 | 1.93 |
Portfolio
Asset mix
| BANK OF INDIA FLEXI CAP | SBI FLEXICAP | |
|---|---|---|
| Equity | 90.66% | 93.64% |
| Debt | 4.84% | 0.38% |
| Cash & equivalents | 4.50% | 2.63% |
| Foreign Securities | 0.00% | 3.35% |
Market-cap split (share of fund assets)
| BANK OF INDIA FLEXI CAP | SBI FLEXICAP | |
|---|---|---|
| Large Cap | 40.06% | 60.10% |
| Mid Cap | 16.07% | 19.41% |
| Small Cap | 32.10% | 14.13% |
| Unclassified | 2.43% | 0.00% |
Concentration
| BANK OF INDIA FLEXI CAP | SBI FLEXICAP | |
|---|---|---|
| Top 10 holdings | 29.55% | 34.52% |
| Effective number of stocks ⓘ | 55.9 | 42.3 |
| Securities held | 75 | 67 |
Portfolio overlap: 18.1%
14 companies are held by both funds; by weight, 18.1% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | BANK OF INDIA FLEXI CAP | SBI FLEXICAP |
|---|---|---|
| ICICI Bank Limited | 3.41% | 6.90% |
| State Bank of India | 5.05% | 2.17% |
| Bharti Airtel Limited | 2.27% | 1.94% |
| HDFC Bank Limited | 1.94% | 6.24% |
| Adani Ports and Special Economic Zone Limited | 2.21% | 1.21% |
| Larsen & Toubro Limited | 1.21% | 3.32% |
| Indian Bank | 1.89% | 1.17% |
| Vedanta Aluminium Metal Limited | 1.13% | 1.92% |
| Reliance Industries Limited | 1.34% | 0.99% |
| Bajaj Auto Limited | 0.91% | 2.65% |
| Tata Motors Ltd | 0.87% | 1.93% |
| Sona BLW Precision Forgings Limited | 0.80% | 1.19% |
| Eternal Limited | 0.26% | 0.59% |
| Torrent Power Ltd. | 0.56% | 0.05% |
Top 10 holdings
BANK OF INDIA FLEXI CAP
- State Bank of India5.05%
- ICICI Bank Limited3.41%
- Quality Power Electrical Eqp Ltd2.78%
- Hindustan Aeronautics Limited2.77%
- Mankind Pharma Limited2.67%
- Sky Gold And Diamonds Limited2.62%
- Sigma Advanced Systems Limited2.62%
- Sterlite Technologies Limited2.61%
- Dr. Reddy's Laboratories Limited2.51%
- Balrampur Chini Mills Limited2.51%
SBI FLEXICAP
- ICICI Bank Limited6.90%
- HDFC Bank Limited6.24%
- Larsen & Toubro Limited3.32%
- Aurobindo Pharma Limited3.03%
- JSW Infrastructure Ltd2.81%
- Bajaj Auto Limited2.65%
- Bajaj Finance Limited2.50%
- Eicher Motors Ltd.2.46%
- Titan Company Limited2.41%
- Life Insurance Corporation Of India2.20%
Sector exposure
| BANK OF INDIA FLEXI CAP | SBI FLEXICAP | |
|---|---|---|
| Banks | 14.36% | 23.73% |
| Pharmaceuticals & Biotechnology | 7.49% | 9.12% |
| Aerospace & Defense | 6.64% | 0.00% |
| Electrical Equipment | 5.80% | 0.00% |
| Retailing | 2.52% | 5.68% |
| Automobiles | 2.45% | 5.11% |
| Finance | 2.39% | 4.80% |
| Consumer Durables | 4.70% | 2.84% |
| Industrial Products | 0.77% | 4.43% |
| IT - Software | 0.00% | 4.19% |
| Telecom - Equipment & Accessories | 4.17% | 0.00% |
| Construction | 1.90% | 4.12% |
| Auto Components | 4.09% | 2.24% |
| Transport Infrastructure | 2.21% | 4.02% |
Questions people ask
What is the difference between BANK OF INDIA FLEXI CAP and SBI FLEXICAP returns?
As of 4 Nov 2026, Direct plan Growth option: 1-year return +6.40% vs −3.69%; 3-year CAGR +18.73% vs +8.92%; 5-year CAGR +15.42% vs +7.35%; 10-year CAGR — vs +12.01%. Past returns do not indicate future returns.
How do BANK OF INDIA FLEXI CAP and SBI FLEXICAP compare on risk?
Volatility (36 monthly returns, annualised) 17.93% vs 13.48%; Sharpe ratio 0.68 vs 0.18; Sortino ratio 1.08 vs 0.24; maximum drawdown −23.73% vs −35.80%; beta 1.08 vs 0.86.
How much do BANK OF INDIA FLEXI CAP and SBI FLEXICAP overlap?
By weight, 18.1% of the two portfolios is invested in the same companies; 14 stocks are held by both, the largest shared positions being ICICI Bank Limited, State Bank of India, Bharti Airtel Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of BANK OF INDIA FLEXI CAP and SBI FLEXICAP?
BANK OF INDIA FLEXI CAP: large cap 40.1%, mid cap 16.1%, small cap 32.1%. SBI FLEXICAP: large cap 60.1%, mid cap 19.4%, small cap 14.1% (share of the fund's assets, from its latest disclosed portfolio).
Is this a recommendation to choose one of these funds?
No. This page places the published figures of both funds side by side. It does not rank, rate or recommend either fund; which one suits an investor depends on their goals, horizon and risk tolerance.
More comparisons
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Sources: NAV from AMFI; returns, risk and ratios computed by MF Analyser from each fund's NAV history (risk on 36 monthly returns, risk-free rate 6.5%); benchmark ratios against each fund's benchmark total-return index; portfolios from each fund house's monthly disclosure. Returns and ratios as of 4 Nov 2026. IDCW options show no return or risk figures because payouts reduce the NAV and AMFI's file carries no payout history to add back. This page compares published figures only — it does not rank, rate or recommend either fund. Past performance does not indicate future returns; mutual fund investments are subject to market risks.