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

2.71%

Direct Plan

1.12%

Difference

1.59

Expected Higher returns with Direct Fund

5 Yr

₹85,777

10 Yr

₹1,88,737

20 Yr

₹4,57,568

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

2.17%

Direct Plan

0.70%

Difference

1.47

Expected Higher returns with Direct Fund

5 Yr

₹77,818

10 Yr

₹1,67,217

20 Yr

₹3,86,558

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

2.77%

Direct Plan

1.32%

Difference

1.45

Expected Higher returns with Direct Fund

5 Yr

₹78,622

10 Yr

₹1,74,083

20 Yr

₹4,27,257

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

2.24%

Direct Plan

0.83%

Difference

1.41

Expected Higher returns with Direct Fund

5 Yr

₹74,936

10 Yr

₹1,61,812

20 Yr

₹3,77,695

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

2.26%

Direct Plan

0.94%

Difference

1.32

Expected Higher returns with Direct Fund

5 Yr

₹70,332

10 Yr

₹1,52,348

20 Yr

₹3,57,790

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

2.61%

Direct Plan

1.30%

Difference

1.31

Expected Higher returns with Direct Fund

5 Yr

₹70,780

10 Yr

₹1,56,013

20 Yr

₹3,79,388

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

Bank of India Business Cycle Fund Direct-Growth

Business Cycle

Expense Ratio

Regular Plan

2.57%

Direct Plan

1.29%

Difference

1.28

Expected Higher returns with Direct Fund

5 Yr

₹69,091

10 Yr

₹1,52,101

20 Yr

₹3,68,938

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

2.94%

Direct Plan

1.67%

Difference

1.27

Expected Higher returns with Direct Fund

5 Yr

₹69,565

10 Yr

₹1,55,982

20 Yr

₹3,92,488

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

2.24%

Direct Plan

0.99%

Difference

1.25

Expected Higher returns with Direct Fund

5 Yr

₹66,641

10 Yr

₹1,44,453

20 Yr

₹3,39,683

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

2.84%

Direct Plan

1.64%

Difference

1.20

Expected Higher returns with Direct Fund

5 Yr

₹65,563

10 Yr

₹1,46,537

20 Yr

₹3,66,318

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

2.62%

Direct Plan

1.46%

Difference

1.16

Expected Higher returns with Direct Fund

5 Yr

₹62,883

10 Yr

₹1,39,174

20 Yr

₹3,41,134

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

2.18%

Direct Plan

1.03%

Difference

1.15

Expected Higher returns with Direct Fund

5 Yr

₹61,285

10 Yr

₹1,32,770

20 Yr

₹3,11,822

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

Bank of India Banking & Financial Services Fund Direct - Growth

Banking

Expense Ratio

Regular Plan

2.79%

Direct Plan

1.65%

Difference

1.14

Expected Higher returns with Direct Fund

5 Yr

₹62,236

10 Yr

₹1,38,959

20 Yr

₹3,46,645

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

2.48%

Direct Plan

1.41%

Difference

1.07

Expected Higher returns with Direct Fund

5 Yr

₹57,788

10 Yr

₹1,27,297

20 Yr

₹3,09,063

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

1.21%

Difference

1.02

Expected Higher returns with Direct Fund

5 Yr

₹54,603

10 Yr

₹1,18,956

20 Yr

₹2,82,470

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

1.18%

Direct Plan

0.53%

Difference

0.65

Expected Higher returns with Direct Fund

5 Yr

₹33,626

10 Yr

₹70,185

20 Yr

₹1,52,915

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

Bank of India Arbitrage Fund Direct-Growth

Arbitrage

Expense Ratio

Regular Plan

2.63%

Direct Plan

2.02%

Difference

0.61

Expected Higher returns with Direct Fund

5 Yr

₹33,437

10 Yr

₹75,026

20 Yr

₹1,88,900

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

1.01%

Direct Plan

0.53%

Difference

0.48

Expected Higher returns with Direct Fund

5 Yr

₹24,748

10 Yr

₹51,434

20 Yr

₹1,11,097

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

Bank of India Credit Risk Fund Direct-Growth

Credit Risk

Expense Ratio

Regular Plan

1.65%

Direct Plan

1.18%

Difference

0.47

Expected Higher returns with Direct Fund

5 Yr

₹24,858

10 Yr

₹53,339

20 Yr

₹1,22,801

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

0.54%

Direct Plan

0.17%

Difference

0.37

Expected Higher returns with Direct Fund

5 Yr

₹18,764

10 Yr

₹38,200

20 Yr

₹79,169

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

Know more about Bank of India Funds

Updated as on date25 Jul 2026

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 ofBank 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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