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

2.53%

Direct Plan

0.99%

Difference

1.54

Expected Higher returns with Direct Fund

5 Yr

₹82,575

10 Yr

₹1,80,307

20 Yr

₹4,30,458

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

2.74%

Direct Plan

1.29%

Difference

1.45

Expected Higher returns with Direct Fund

5 Yr

₹78,530

10 Yr

₹1,73,623

20 Yr

₹4,24,877

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

2.22%

Direct Plan

0.81%

Difference

1.41

Expected Higher returns with Direct Fund

5 Yr

₹74,877

10 Yr

₹1,61,525

20 Yr

₹3,76,284

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

2.27%

Direct Plan

0.89%

Difference

1.38

Expected Higher returns with Direct Fund

5 Yr

₹73,472

10 Yr

₹1,58,998

20 Yr

₹3,72,740

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

Bank of India Aggressive Hybrid Fund Direct-Growth

Aggressive

Expense Ratio

Regular Plan

2.24%

Direct Plan

0.86%

Difference

1.38

Expected Higher returns with Direct Fund

5 Yr

₹73,385

10 Yr

₹1,58,576

20 Yr

₹3,70,654

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

2.79%

Direct Plan

1.42%

Difference

1.37

Expected Higher returns with Direct Fund

5 Yr

₹74,459

10 Yr

₹1,65,340

20 Yr

₹4,08,091

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

2.48%

Direct Plan

1.16%

Difference

1.32

Expected Higher returns with Direct Fund

5 Yr

₹70,943

10 Yr

₹1,55,342

20 Yr

₹3,72,796

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

2.67%

Direct Plan

1.39%

Difference

1.28

Expected Higher returns with Direct Fund

5 Yr

₹69,362

10 Yr

₹1,53,449

20 Yr

₹3,75,874

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

2.65%

Direct Plan

1.37%

Difference

1.28

Expected Higher returns with Direct Fund

5 Yr

₹69,308

10 Yr

₹1,53,179

20 Yr

₹3,74,477

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

2.73%

Direct Plan

1.53%

Difference

1.20

Expected Higher returns with Direct Fund

5 Yr

₹65,282

10 Yr

₹1,45,124

20 Yr

₹3,58,904

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

2.33%

Direct Plan

1.16%

Difference

1.17

Expected Higher returns with Direct Fund

5 Yr

₹62,695

10 Yr

₹1,36,765

20 Yr

₹3,25,673

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

2.55%

Direct Plan

1.38%

Difference

1.17

Expected Higher returns with Direct Fund

5 Yr

₹63,239

10 Yr

₹1,39,449

20 Yr

₹3,39,313

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

2.77%

Direct Plan

1.68%

Difference

1.09

Expected Higher returns with Direct Fund

5 Yr

₹59,518

10 Yr

₹1,32,919

20 Yr

₹3,31,699

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

Bank of India Value Fund Direct-Growth

Value Oriented

Expense Ratio

Regular Plan

2.79%

Direct Plan

1.70%

Difference

1.09

Expected Higher returns with Direct Fund

5 Yr

₹59,564

10 Yr

₹1,33,153

20 Yr

₹3,32,934

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

2.25%

Direct Plan

1.18%

Difference

1.07

Expected Higher returns with Direct Fund

5 Yr

₹57,268

10 Yr

₹1,24,736

20 Yr

₹2,96,082

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

1.36%

Direct Plan

0.61%

Difference

0.75

Expected Higher returns with Direct Fund

5 Yr

₹39,000

10 Yr

₹81,930

20 Yr

₹1,80,847

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

Bank of India Arbitrage Fund Direct-Growth

Arbitrage

Expense Ratio

Regular Plan

2.82%

Direct Plan

2.13%

Difference

0.69

Expected Higher returns with Direct Fund

5 Yr

₹38,045

10 Yr

₹85,994

20 Yr

₹2,19,735

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

Bank of India Short Term Fund Direct-Growth

Short Duration

Expense Ratio

Regular Plan

1.19%

Direct Plan

0.54%

Difference

0.65

Expected Higher returns with Direct Fund

5 Yr

₹33,639

10 Yr

₹70,247

20 Yr

₹1,53,203

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

Bank of India Ultra Short Term Fund Direct-Growth

Ultra Short Duration

Expense Ratio

Regular Plan

1.02%

Direct Plan

0.42%

Difference

0.60

Expected Higher returns with Direct Fund

5 Yr

₹30,873

10 Yr

₹64,008

20 Yr

₹1,37,593

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

Know more about Bank of India Funds

Updated as on date23 Oct 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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