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

Select:

Bank of India Mutual Fund

All Categories

All Sub-Categories

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

2.37%

Direct Plan

0.77%

Difference

1.60

Expected Higher returns with Direct Fund

5 Yr

₹85,154

10 Yr

₹1,84,218

20 Yr

₹4,31,745

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

0.56%

Difference

1.48

Expected Higher returns with Direct Fund

5 Yr

₹77,932

10 Yr

₹1,66,350

20 Yr

₹3,79,481

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

2.47%

Direct Plan

1.02%

Difference

1.45

Expected Higher returns with Direct Fund

5 Yr

₹77,702

10 Yr

₹1,69,531

20 Yr

₹4,04,019

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

2.13%

Direct Plan

0.80%

Difference

1.33

Expected Higher returns with Direct Fund

5 Yr

₹70,489

10 Yr

₹1,51,677

20 Yr

₹3,51,522

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

2.23%

Direct Plan

0.91%

Difference

1.32

Expected Higher returns with Direct Fund

5 Yr

₹70,249

10 Yr

₹1,51,943

20 Yr

₹3,55,788

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

1.20%

Difference

1.28

Expected Higher returns with Direct Fund

5 Yr

₹68,847

10 Yr

₹1,50,897

20 Yr

₹3,62,799

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

2.43%

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 ELSS Tax Saver Direct-Growth

ELSS

Expense Ratio

Regular Plan

2.16%

Direct Plan

0.91%

Difference

1.25

Expected Higher returns with Direct Fund

5 Yr

₹66,431

10 Yr

₹1,43,433

20 Yr

₹3,34,639

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

1.26%

Difference

1.22

Expected Higher returns with Direct Fund

5 Yr

₹65,697

10 Yr

₹1,44,199

20 Yr

₹3,47,661

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

2.48%

Direct Plan

1.30%

Difference

1.18

Expected Higher returns with Direct Fund

5 Yr

₹63,592

10 Yr

₹1,39,714

20 Yr

₹3,37,474

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

1.31%

Difference

1.16

Expected Higher returns with Direct Fund

5 Yr

₹62,514

10 Yr

₹1,37,344

20 Yr

₹3,31,733

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

2.02%

Direct Plan

0.89%

Difference

1.13

Expected Higher returns with Direct Fund

5 Yr

₹59,864

10 Yr

₹1,28,736

20 Yr

₹2,97,900

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 Conservative Hybrid Fund Direct-Growth

Conservative

Expense Ratio

Regular Plan

2.18%

Direct Plan

1.16%

Difference

1.02

Expected Higher returns with Direct Fund

5 Yr

₹54,495

10 Yr

₹1,18,431

20 Yr

₹2,79,844

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

Bank of India Arbitrage Fund Direct-Growth

Arbitrage

Expense Ratio

Regular Plan

1.04%

Direct Plan

0.43%

Difference

0.61

Expected Higher returns with Direct Fund

5 Yr

₹31,407

10 Yr

₹65,163

20 Yr

₹1,40,285

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 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 Flexi Cap Fund Direct-Growth

Flexi Cap

Expense Ratio

Regular Plan

2.03%

Direct Plan

1.54%

Difference

0.49

Expected Higher returns with Direct Fund

5 Yr

₹26,297

10 Yr

₹57,461

20 Yr

₹1,37,202

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

1.52%

Direct Plan

1.12%

Difference

0.40

Expected Higher returns with Direct Fund

5 Yr

₹21,077

10 Yr

₹45,012

20 Yr

₹1,02,658

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

Know more about Bank of India Funds

Updated as on date10 Jun 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

Sort

Filters