Bank of India Mutual Funds Direct v/s Regular Plans

Bank of India Mutual fund schemes are available as Direct Plans and Regular Plans. Investors should choose Direct Plans as they’re offered directly by the AMC without the involvement of any intermediaries like distributors or agents who charge extra commissions.View More

Your investment of ₹10,00,000, investing in direct plans can generate more returns than regular plans over given time period

Get extra returns on your investments in direct plans

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Bank of India Mutual Fund

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Name of the Mutual Fund Scheme

Expense Ratio

Regular Plan

Direct Plan

Difference

Expected Higher returns with Direct Fund

5 Yr

10 Yr

20 Yr

Bank of India Bluechip Fund Direct-Growth

Large Cap

Expense Ratio

Regular Plan

2.41%

Direct Plan

0.78%

Difference

1.63

Expected Higher returns with Direct Fund

5 Yr

₹86,836

10 Yr

₹1,88,093

20 Yr

₹4,41,960

Get up to 1% more on Paytm Money with direct Mutual Funds

Bank of India Manufacturing & Infrastructure Direct-Growth

Infrastructure

Expense Ratio

Regular Plan

2.33%

Direct Plan

0.71%

Difference

1.62

Expected Higher returns with Direct Fund

5 Yr

₹86,049

10 Yr

₹1,85,699

20 Yr

₹4,33,111

Get up to 1% more on Paytm Money with direct Mutual Funds

Bank of India Large & Mid Cap Equity Fund Direct-Growth

Large & MidCap

Expense Ratio

Regular Plan

2.43%

Direct Plan

0.95%

Difference

1.48

Expected Higher returns with Direct Fund

5 Yr

₹79,139

10 Yr

₹1,72,203

20 Yr

₹4,08,214

Get up to 1% more on Paytm Money with direct Mutual Funds

Bank of India Flexi Cap Fund Direct-Growth

Flexi Cap

Expense Ratio

Regular Plan

1.98%

Direct Plan

0.53%

Difference

1.45

Expected Higher returns with Direct Fund

5 Yr

₹76,216

10 Yr

₹1,62,324

20 Yr

₹3,68,620

Get up to 1% more on Paytm Money with direct Mutual Funds

Bank of India Mid & Small Cap Equity & Debt Fund Direct-Growth

Aggressive

Expense Ratio

Regular Plan

2.15%

Direct Plan

0.77%

Difference

1.38

Expected Higher returns with Direct Fund

5 Yr

₹73,125

10 Yr

₹1,57,316

20 Yr

₹3,64,464

Get up to 1% more on Paytm Money with direct Mutual Funds

Bank of India Balanced Advantage Fund Direct-Growth

Dynamic Asset Allocation

Expense Ratio

Regular Plan

2.47%

Direct Plan

1.12%

Difference

1.35

Expected Higher returns with Direct Fund

5 Yr

₹72,484

10 Yr

₹1,58,526

20 Yr

₹3,79,536

Get up to 1% more on Paytm Money with direct Mutual Funds

Bank of India Small Cap Fund Direct-Growth

Small Cap

Expense Ratio

Regular Plan

2.04%

Direct Plan

0.74%

Difference

1.30

Expected Higher returns with Direct Fund

5 Yr

₹68,695

10 Yr

₹1,47,269

20 Yr

₹3,38,764

Get up to 1% more on Paytm Money with direct Mutual Funds

Bank of India ELSS Tax Saver Direct-Growth

ELSS

Expense Ratio

Regular Plan

2.07%

Direct Plan

0.77%

Difference

1.30

Expected Higher returns with Direct Fund

5 Yr

₹68,777

10 Yr

₹1,47,662

20 Yr

₹3,40,673

Get up to 1% more on Paytm Money with direct Mutual Funds

Bank of India Business Cycle Fund Direct-Growth

Themed

Expense Ratio

Regular Plan

2.43%

Direct Plan

1.17%

Difference

1.26

Expected Higher returns with Direct Fund

5 Yr

₹67,665

10 Yr

₹1,48,013

20 Yr

₹3,54,450

Get up to 1% more on Paytm Money with direct Mutual Funds

Bank of India Multi Cap Fund Direct-Growth

Multi Cap

Expense Ratio

Regular Plan

2.26%

Direct Plan

1.04%

Difference

1.22

Expected Higher returns with Direct Fund

5 Yr

₹65,131

10 Yr

₹1,41,421

20 Yr

₹3,33,673

Get up to 1% more on Paytm Money with direct Mutual Funds

Bank of India Mid Cap Fund Direct-Growth

Mid Cap

Expense Ratio

Regular Plan

2.40%

Direct Plan

1.29%

Difference

1.11

Expected Higher returns with Direct Fund

5 Yr

₹59,714

10 Yr

₹1,30,898

20 Yr

₹3,14,733

Get up to 1% more on Paytm Money with direct Mutual Funds

Bank of India Consumption Fund Direct-Growth

Consumption & Demand

Expense Ratio

Regular Plan

2.52%

Direct Plan

1.47%

Difference

1.05

Expected Higher returns with Direct Fund

5 Yr

₹56,819

10 Yr

₹1,25,469

20 Yr

₹3,06,107

Get up to 1% more on Paytm Money with direct Mutual Funds

Bank of India Multi Asset Allocation Fund Direct-Growth

Multi Asset Allocation

Expense Ratio

Regular Plan

2.04%

Direct Plan

0.99%

Difference

1.05

Expected Higher returns with Direct Fund

5 Yr

₹55,757

10 Yr

₹1,20,254

20 Yr

₹2,79,869

Get up to 1% more on Paytm Money with direct Mutual Funds

Bank of India Conservative Hybrid Fund Direct-Growth

Conservative

Expense Ratio

Regular Plan

2.27%

Direct Plan

1.45%

Difference

0.82

Expected Higher returns with Direct Fund

5 Yr

₹44,137

10 Yr

₹96,812

20 Yr

₹2,32,977

Get up to 1% more on Paytm Money with direct Mutual Funds

Bank of India Short Term Income Fund Direct-Growth

Short Duration

Expense Ratio

Regular Plan

1.07%

Direct Plan

0.52%

Difference

0.55

Expected Higher returns with Direct Fund

5 Yr

₹28,385

10 Yr

₹59,068

20 Yr

₹1,27,913

Get up to 1% more on Paytm Money with direct Mutual Funds

Bank of India Arbitrage Fund Direct-Growth

Arbitrage

Expense Ratio

Regular Plan

0.94%

Direct Plan

0.42%

Difference

0.52

Expected Higher returns with Direct Fund

5 Yr

₹26,714

10 Yr

₹55,274

20 Yr

₹1,18,336

Get up to 1% more on Paytm Money with direct Mutual Funds

Bank of India Ultra Short Duration Fund Direct-Growth

Ultra Short Duration

Expense Ratio

Regular Plan

0.90%

Direct Plan

0.39%

Difference

0.51

Expected Higher returns with Direct Fund

5 Yr

₹26,164

10 Yr

₹54,042

20 Yr

₹1,15,295

Get up to 1% more on Paytm Money with direct Mutual Funds

Bank of India Money Market Fund Direct - Growth

Money Market

Expense Ratio

Regular Plan

0.62%

Direct Plan

0.11%

Difference

0.51

Expected Higher returns with Direct Fund

5 Yr

₹25,874

10 Yr

₹52,704

20 Yr

₹1,09,351

Get up to 1% more on Paytm Money with direct Mutual Funds

Bank of India Liquid Fund Direct-Growth

Liquid

Expense Ratio

Regular Plan

0.14%

Direct Plan

0.11%

Difference

0.03

Expected Higher returns with Direct Fund

5 Yr

₹1,507

10 Yr

₹3,033

20 Yr

₹6,144

Get up to 1% more on Paytm Money with direct Mutual Funds

Bank of India Overnight Fund Direct-Growth

Overnight

Expense Ratio

Regular Plan

0.10%

Direct Plan

0.08%

Difference

0.02

Expected Higher returns with Direct Fund

5 Yr

₹1,003

10 Yr

₹2,016

20 Yr

₹4,068

Get up to 1% more on Paytm Money with direct Mutual Funds

Know more about Bank of India Funds

Updated as on date 27 Nov 2025

About Bank of India Mutual Fund

Bank of India Mutual Fund has been providing mutual funds under different investment categories over the years. Investors should look at a longer horizon / time period while investing in mutual funds for wealth creation and secure their financial freedom. At Paytm Money, you can invest in Direct Mutual Funds of Bank of India Mutual Fund to earn higher returns on investment when compared to regular plans.

Suitability of Direct Plans

Individuals who understand their investment needs and risk appetite would find direct plans very useful. Here, you can shortlist the top-rated funds and carry out the entire investing process independently. There will be no interference or hidden commissions from an external intermediaries like a mutual fund distributor or agent. Bank of India Mutual Fund Direct Plans are available for all kinds of mutual funds namely.

Bank of India debt funds

Bank of India equity funds

Bank of India balanced funds

Bank of India elss funds

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