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 Manufacturing & Infrastructure Direct-Growth

Infrastructure

Expense Ratio

Regular Plan

2.34%

Direct Plan

0.78%

Difference

1.56

Expected Higher returns with Direct Fund

5 Yr

₹82,992

10 Yr

₹1,79,446

20 Yr

₹4,20,092

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

2.03%

Direct Plan

0.57%

Difference

1.46

Expected Higher returns with Direct Fund

5 Yr

₹76,878

10 Yr

₹1,64,099

20 Yr

₹3,74,323

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

1.99%

Direct Plan

0.53%

Difference

1.46

Expected Higher returns with Direct Fund

5 Yr

₹76,757

10 Yr

₹1,63,517

20 Yr

₹3,71,525

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

Bank of India Bluechip Fund Direct-Growth

Large Cap

Expense Ratio

Regular Plan

2.44%

Direct Plan

1.03%

Difference

1.41

Expected Higher returns with Direct Fund

5 Yr

₹75,528

10 Yr

₹1,64,703

20 Yr

₹3,92,079

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

2.17%

Direct Plan

0.86%

Difference

1.31

Expected Higher returns with Direct Fund

5 Yr

₹69,566

10 Yr

₹1,50,058

20 Yr

₹3,49,466

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

1.15%

Difference

1.28

Expected Higher returns with Direct Fund

5 Yr

₹68,712

10 Yr

₹1,50,231

20 Yr

₹3,59,430

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

2.28%

Direct Plan

1.06%

Difference

1.22

Expected Higher returns with Direct Fund

5 Yr

₹65,182

10 Yr

₹1,41,671

20 Yr

₹3,34,922

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

2.48%

Direct Plan

1.28%

Difference

1.20

Expected Higher returns with Direct Fund

5 Yr

₹64,645

10 Yr

₹1,41,958

20 Yr

₹3,42,577

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

2.48%

Direct Plan

1.29%

Difference

1.19

Expected Higher returns with Direct Fund

5 Yr

₹64,119

10 Yr

₹1,40,837

20 Yr

₹3,40,028

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

2.08%

Direct Plan

0.92%

Difference

1.16

Expected Higher returns with Direct Fund

5 Yr

₹61,563

10 Yr

₹1,32,685

20 Yr

₹3,08,425

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

2.05%

Direct Plan

0.92%

Difference

1.13

Expected Higher returns with Direct Fund

5 Yr

₹59,935

10 Yr

₹1,29,079

20 Yr

₹2,99,578

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

2.51%

Direct Plan

1.40%

Difference

1.11

Expected Higher returns with Direct Fund

5 Yr

₹59,972

10 Yr

₹1,32,176

20 Yr

₹3,21,253

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

2.23%

Direct Plan

1.28%

Difference

0.95

Expected Higher returns with Direct Fund

5 Yr

₹50,925

10 Yr

₹1,11,131

20 Yr

₹2,64,759

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

1.06%

Direct Plan

0.52%

Difference

0.54

Expected Higher returns with Direct Fund

5 Yr

₹27,863

10 Yr

₹57,967

20 Yr

₹1,25,467

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

0.38%

Difference

0.52

Expected Higher returns with Direct Fund

5 Yr

₹26,672

10 Yr

₹55,077

20 Yr

₹1,17,446

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

0.43%

Difference

0.51

Expected Higher returns with Direct Fund

5 Yr

₹26,206

10 Yr

₹54,235

20 Yr

₹1,16,168

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

0.12%

Difference

0.50

Expected Higher returns with Direct Fund

5 Yr

₹25,372

10 Yr

₹51,693

20 Yr

₹1,07,307

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 20 Aug 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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