Bank of India Mid & Small Cap Equity & Debt Fund
Ticker: mf13044
Risky
48/100
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B
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B
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Business Overview
The Bank of India Mid & Small Cap Equity & Debt Fund is designed for investors seeking long-term capital appreciation through a diversified portfolio of mid and small-cap stocks, along with fixed-income securities. This fund is ideal for those looking to balance growth potential with stability in their investment strategy. Its focus on emerging companies offers a unique opportunity to tap into India's growth story while managing risk through a mix of equity and debt.
- Targets mid and small-cap growth opportunities
- Balanced approach with equity and debt investments
- Ideal for long-term capital appreciation
- Managed by experienced professionals
- Aims to mitigate risks while maximizing returns
Investment Thesis
The Bank of India Mid & Small Cap Equity & Debt Fund stands out due to its strong promoter credibility, significant growth potential in digital services, and attractive valuations compared to peers. This fund is well-positioned to capitalize on the evolving market landscape, making it a compelling investment choice for retail investors.
- Strong backing from a reputable promoter group enhances trust and stability.
- Digital services are rapidly expanding, providing a robust growth runway.
- Attractive valuation metrics compared to industry peers signal potential upside.
- Diversified exposure to mid and small-cap equities offers balanced risk and reward.
- Strategic focus on emerging sectors aligns with market trends and investor interests.
Opportunity vs Risk
Opportunities
- Strong growth potential in mid & small caps
- Diversification across equity and debt
- Rising retail investor participation
- Favorable economic recovery trends
Risks ⚠️
- Market volatility affecting returns
- Interest rate fluctuations
- Regulatory changes impacting funds
- High competition in fund management
Peer Perspective
Bank of India Mid & Small Cap Equity & Debt Fund trades at a slight premium compared to peers like HDFC Small Cap Fund and SBI Small Cap Fund; a sustained growth acceleration could trigger a rerating.
📊 Stock Investment Checklist (100 Points)
Bank of India Mid & Small Cap Equity & Debt Fund • Updated: 2025-09-29 10:51:53
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10BusinessHighThe sector is evolving with digital banking but faces competition.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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8ProfitabilityHighROE and ROCE are below industry averages, indicating weaker profitability.
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6ValuationGoodValuation metrics are high compared to peers, suggesting overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity ratios are concerning.
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5GovernanceGoodPromoter holding is adequate, but there are concerns about transparency.
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5DriversGoodGrowth drivers are limited, with execution risks present.
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5TechnicalsGoodMarket sentiment is neutral, with low liquidity affecting price action.
Final Score & Verdict
Score 48 / 100
• Risky
The fund shows potential but is hindered by inconsistent growth and profitability metrics, making it a risky investment.