BANK OF INDIA FLEXI CAP FUND vs UNIFI FLEXI CAP FUND
BANK OF INDIA FLEXI CAP FUND and UNIFI FLEXI CAP FUND are both Flexi Cap funds. As of 4 Nov 2026 (Direct plan, Growth option): 3-year CAGR +18.73% vs —, 5-year CAGR +15.42% vs —, volatility 17.93% vs 14.74%, maximum drawdown −23.73% vs −13.18%.
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 | UNIFI FLEXI CAP | |
|---|---|---|
| Fund house | Bank of India Mutual Fund | Unifi Mutual Fund |
| Compared as | Flexi Cap | Flexi Cap |
| NAV | ₹41.5700 | ₹10.9711 |
| NAV date | 4 Nov 2026 | 4 Nov 2026 |
| Launched (first NAV) | 1 Jul 2020 | 9 Jun 2025 |
| Track record | 6.3 yrs | 1.4 yrs |
| Fund size (AUM) | ₹3,098 Cr | — |
| Securities held | 75 | — |
| Portfolio as of | 30 Sep 2026 | Not disclosed yet |
| Fund page | Full record → | Full record → |
Returns
| BANK OF INDIA FLEXI CAP | UNIFI FLEXI CAP | |
|---|---|---|
| 1 month | −0.41% | +4.21% |
| 3 months | −1.26% | +1.99% |
| 6 months | +3.13% | +6.43% |
| 1 year | +6.40% | +6.15% |
| 3 years (CAGR) | +18.73% | — |
| 5 years (CAGR) | +15.42% | — |
| 7 years (CAGR) | — | — |
| 10 years (CAGR) | — | — |
| Since launch (CAGR) | +25.10% | +6.01% |
| SIP return (XIRR, 5 years) ⓘ | +16.19% | — |
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 | UNIFI FLEXI CAP | |
|---|---|---|
| 2026 (year to date) | +7.95% | +5.43% |
| 2025 | +1.16% | — |
| 2024 | +30.91% | — |
| 2023 | +39.67% | — |
| 2022 | +0.77% | — |
| 2021 | +48.53% | — |
Risk
| BANK OF INDIA FLEXI CAP | UNIFI FLEXI CAP | |
|---|---|---|
| Volatility (annualised) ⓘ | 17.93% | 14.74% |
| Downside volatility ⓘ | 11.34% | 10.47% |
| Sharpe ratio ⓘ | 0.68 | -0.03 |
| Sortino ratio ⓘ | 1.08 | -0.05 |
| Maximum drawdown ⓘ | −23.73% | −13.18% |
| Recovery from that fall | 14 months | 3 months |
| Current fall from peak | −3.12% | 0.00% |
| Rolling 1-year return: worst | −7.53% | −0.66% |
| Rolling 1-year return: median | +16.11% | +4.35% |
| Rolling 1-year return: best | +82.19% | +9.76% |
| Share of 1-year periods with a loss | 14.42% | 2.91% |
Against each fund's benchmark
| BANK OF INDIA FLEXI CAP | UNIFI FLEXI CAP | |
|---|---|---|
| Beta ⓘ | 1.08 | 0.89 |
| Alpha (Jensen's, annualised) ⓘ | +7.17% | +5.37% |
| R² ⓘ | 80.65 | 93.55 |
| Upside capture | 129.58% | 106.80% |
| Downside capture | 101.21% | 72.89% |
| Tracking error | 8.38% | 4.16% |
| Information ratio | 0.95 | 1.58 |
| Treynor ratio | 10.75 | -5.27 |
Portfolio
UNIFI FLEXI CAP FUND has no usable portfolio disclosure on file yet, so portfolio comparisons are shown only where available.
Asset mix
| BANK OF INDIA FLEXI CAP | UNIFI FLEXI CAP | |
|---|---|---|
| Equity | 90.66% | — |
| Debt | 4.84% | — |
| Cash & equivalents | 4.50% | — |
Market-cap split (share of fund assets)
| BANK OF INDIA FLEXI CAP | UNIFI FLEXI CAP | |
|---|---|---|
| Large Cap | 40.06% | — |
| Mid Cap | 16.07% | — |
| Small Cap | 32.10% | — |
| Unclassified | 2.43% | — |
Concentration
| BANK OF INDIA FLEXI CAP | UNIFI FLEXI CAP | |
|---|---|---|
| Top 10 holdings | 29.55% | — |
| Effective number of stocks ⓘ | 55.9 | — |
| Securities held | 75 | — |
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%
UNIFI FLEXI CAP
Not disclosed yet.
Sector exposure
| BANK OF INDIA FLEXI CAP | UNIFI FLEXI CAP | |
|---|---|---|
| Banks | 14.36% | — |
| Pharmaceuticals & Biotechnology | 7.49% | — |
| Aerospace & Defense | 6.64% | — |
| Electrical Equipment | 5.80% | — |
| Consumer Durables | 4.70% | — |
| Telecom - Equipment & Accessories | 4.17% | — |
| Auto Components | 4.09% | — |
| IT - Services | 4.01% | — |
| Power | 3.04% | — |
| Retailing | 2.52% | — |
| Agricultural Food & other Products | 2.51% | — |
| Automobiles | 2.45% | — |
| Industrial Manufacturing | 2.43% | — |
| Finance | 2.39% | — |
Questions people ask
What is the difference between BANK OF INDIA FLEXI CAP and UNIFI FLEXI CAP returns?
As of 4 Nov 2026, Direct plan Growth option: 1-year return +6.40% vs +6.15%; 3-year CAGR +18.73% vs —; 5-year CAGR +15.42% vs —; 10-year CAGR — vs —. Past returns do not indicate future returns.
How do BANK OF INDIA FLEXI CAP and UNIFI FLEXI CAP compare on risk?
Volatility (36 monthly returns, annualised) 17.93% vs 14.74%; Sharpe ratio 0.68 vs -0.03; Sortino ratio 1.08 vs -0.05; maximum drawdown −23.73% vs −13.18%; beta 1.08 vs 0.89.
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
BANK OF INDIA FLEXI CAP vs
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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.