BANK OF INDIA SMALL CAP FUND vs UTI Small Cap Fund
BANK OF INDIA SMALL CAP FUND and UTI Small Cap Fund are both Small Cap funds. As of 5 Nov 2026 (Direct plan, Growth option): 3-year CAGR +19.72% vs +13.02%, 5-year CAGR +18.92% vs +13.56%, volatility 22.08% vs 19.67%, maximum drawdown −32.37% vs −22.34%. Their portfolios overlap by 12.9% (15 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 SMALL CAP | UTI Small Cap | |
|---|---|---|
| Fund house | Bank of India Mutual Fund | UTI Mutual Fund |
| Compared as | Small Cap | Small Cap |
| NAV | ₹64.5900 | ₹28.7910 |
| NAV date | 5 Nov 2026 | 5 Nov 2026 |
| Launched (first NAV) | 27 Dec 2018 | 23 Dec 2020 |
| Track record | 7.9 yrs | 5.9 yrs |
| Fund size (AUM) | ₹3,671 Cr | — |
| Securities held | 100 | 107 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| BANK OF INDIA SMALL CAP | UTI Small Cap | |
|---|---|---|
| 1 month | −5.18% | −1.21% |
| 3 months | +0.95% | −4.55% |
| 6 months | +13.14% | −0.10% |
| 1 year | +21.75% | +0.84% |
| 3 years (CAGR) | +19.72% | +13.02% |
| 5 years (CAGR) | +18.92% | +13.56% |
| 7 years (CAGR) | +29.51% | — |
| 10 years (CAGR) | — | — |
| Since launch (CAGR) | +26.78% | +19.76% |
| SIP return (XIRR, 5 years) ⓘ | +20.57% | +12.54% |
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 SMALL CAP | UTI Small Cap | |
|---|---|---|
| 2026 (year to date) | +28.28% | +5.11% |
| 2025 | −7.19% | −4.19% |
| 2024 | +31.96% | +28.42% |
| 2023 | +42.84% | +37.30% |
| 2022 | +0.10% | +1.18% |
| 2021 | +73.72% | +58.50% |
Risk
| BANK OF INDIA SMALL CAP | UTI Small Cap | |
|---|---|---|
| Volatility (annualised) ⓘ | 22.08% | 19.67% |
| Downside volatility ⓘ | 13.36% | 12.55% |
| Sharpe ratio ⓘ | 0.60 | 0.33 |
| Sortino ratio ⓘ | 0.99 | 0.52 |
| Maximum drawdown ⓘ | −32.37% | −22.34% |
| Recovery from that fall | 5 months | 16 months |
| Current fall from peak | −5.18% | −5.56% |
| Rolling 1-year return: worst | −20.00% | −7.82% |
| Rolling 1-year return: median | +25.28% | +13.51% |
| Rolling 1-year return: best | +126.43% | +64.74% |
| Share of 1-year periods with a loss | 12.99% | 11.41% |
Against each fund's benchmark
| BANK OF INDIA SMALL CAP | UTI Small Cap | |
|---|---|---|
| Beta ⓘ | 0.96 | 0.88 |
| Alpha (Jensen's, annualised) ⓘ | +4.35% | −1.13% |
| R² ⓘ | 87.07 | 92.61 |
| Upside capture | 104.68% | 89.18% |
| Downside capture | 89.44% | 91.51% |
| Tracking error | 8.13% | 6.03% |
| Information ratio | 0.55 | -0.34 |
| Treynor ratio | 12.66 | 6.38 |
Portfolio
Asset mix
| BANK OF INDIA SMALL CAP | UTI Small Cap | |
|---|---|---|
| Equity | 85.67% | 94.31% |
| Cash & equivalents | 8.74% | 5.70% |
| Debt | 5.59% | 0.00% |
Market-cap split (share of fund assets)
| BANK OF INDIA SMALL CAP | UTI Small Cap | |
|---|---|---|
| Large Cap | 1.91% | 0.00% |
| Mid Cap | 5.12% | 17.01% |
| Small Cap | 71.08% | 74.73% |
| Unclassified | 7.56% | 2.57% |
Concentration
| BANK OF INDIA SMALL CAP | UTI Small Cap | |
|---|---|---|
| Top 10 holdings | 24.24% | 20.11% |
| Effective number of stocks ⓘ | 78.5 | 89.2 |
| Securities held | 100 | 107 |
Portfolio overlap: 12.9%
15 companies are held by both funds; by weight, 12.9% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | BANK OF INDIA SMALL CAP | UTI Small Cap |
|---|---|---|
| City Union Bank Limited | 2.72% | 1.89% |
| Ujjivan Small Finance Bank Limited | 1.55% | 1.86% |
| Acutaas Chemicals Limited | 1.31% | 2.52% |
| TD Power Systems Limited | 1.55% | 1.25% |
| Eris Lifesciences Ltd | 1.09% | 1.25% |
| Multi Commodity Exchange of India Limited | 1.02% | 1.21% |
| Vijaya Diagnostic Centre Limited | 0.94% | 1.38% |
| TBO Tek Limited | 1.58% | 0.86% |
| Radico Khaitan Limited | 0.58% | 1.25% |
| ZF Commercial Vehicle Control Systems India Limited | 0.92% | 0.57% |
| Computer Age Management Services Limited | 1.92% | 0.56% |
| CreditAccess Grameen Limited | 0.73% | 0.43% |
| Arvind Limited | 1.62% | 0.32% |
| Firstsource Solutions Limited | 0.29% | 0.85% |
| Clean Science and Technology Limited | 0.19% | 0.54% |
Top 10 holdings
BANK OF INDIA SMALL CAP
- Hero Motors Limited2.82%
- Sky Gold And Diamonds Limited2.72%
- City Union Bank Limited2.72%
- Sterlite Technologies Limited2.53%
- Quality Power Electrical Eqp Ltd2.51%
- Raymond Limited2.51%
- OPTIEMUS INFRACOM LIMITED2.18%
- Sigma Advanced Systems Limited2.15%
- Anand Rathi Wealth Limited2.08%
- Wockhardt Ltd.2.02%
UTI Small Cap
- Acutaas Chemicals Limited2.52%
- Navin Fluorine International Limited2.50%
- Karur Vysya Bank Limited2.41%
- City Union Bank Limited1.89%
- Caplin Point Laboratories Limited1.87%
- Ujjivan Small Finance Bank Limited1.86%
- Marksans Pharma Limited1.83%
- The Great Eastern Shipping Company Limited1.81%
- Affle 3i Limited1.71%
- Aster DM Quality Care Limited1.71%
Sector exposure
| BANK OF INDIA SMALL CAP | UTI Small Cap | |
|---|---|---|
| Pharmaceuticals & Biotechnology | 5.98% | 11.71% |
| Auto Components | 8.11% | 4.65% |
| Industrial Products | 5.37% | 7.49% |
| Electrical Equipment | 7.03% | 3.90% |
| Capital Markets | 5.02% | 6.66% |
| Healthcare Services | 1.61% | 6.55% |
| Banks | 5.43% | 6.16% |
| Chemicals & Petrochemicals | 0.19% | 5.90% |
| Consumer Durables | 5.59% | 4.52% |
| Industrial Manufacturing | 5.39% | 1.85% |
| Telecom - Equipment & Accessories | 4.71% | 0.00% |
| Finance | 1.96% | 4.59% |
| Commercial Services & Supplies | 1.15% | 4.26% |
| Textiles & Apparels | 3.61% | 1.36% |
Questions people ask
What is the difference between BANK OF INDIA SMALL CAP and UTI Small Cap returns?
As of 5 Nov 2026, Direct plan Growth option: 1-year return +21.75% vs +0.84%; 3-year CAGR +19.72% vs +13.02%; 5-year CAGR +18.92% vs +13.56%; 10-year CAGR — vs —. Past returns do not indicate future returns.
How do BANK OF INDIA SMALL CAP and UTI Small Cap compare on risk?
Volatility (36 monthly returns, annualised) 22.08% vs 19.67%; Sharpe ratio 0.60 vs 0.33; Sortino ratio 0.99 vs 0.52; maximum drawdown −32.37% vs −22.34%; beta 0.96 vs 0.88.
How much do BANK OF INDIA SMALL CAP and UTI Small Cap overlap?
By weight, 12.9% of the two portfolios is invested in the same companies; 15 stocks are held by both, the largest shared positions being City Union Bank Limited, Ujjivan Small Finance Bank Limited, Acutaas Chemicals 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 SMALL CAP and UTI Small Cap?
BANK OF INDIA SMALL CAP: large cap 1.9%, mid cap 5.1%, small cap 71.1%. UTI Small Cap: large cap 0.0%, mid cap 17.0%, small cap 74.7% (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
BANK OF INDIA SMALL 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 5 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.