COMPARE
BANK OF INDIA Flexi Cap Fund Direct Plan -Growth vs ICICI Prudential Flexi Cap Fund - Direct Plan - Growth
BANK OF INDIA Flexi Cap Fund and ICICI Prudential Flexi Cap Fund are both in the Flexi Cap Fund category, from Bank of India Investment Managers Private Limited and ICICI Prudential Asset Management Company Limited respectively. BANK OF INDIA Flexi Cap Fund has posted a higher 3-year rolling CAGR. BANK OF INDIA Flexi Cap Fund has the lower expense ratio. See the full table and FAQ below for the complete real-data comparison.
Basics
BANK OF INDIA Flexi Cap Fund has the lower direct-plan expense ratio, by 0.02 percentage points.
| BANK OF INDIA Flexi Cap Fund Direct Plan -Growth | ICICI Prudential Flexi Cap Fund - Direct Plan - Growth | |
|---|---|---|
| Category | Flexi Cap Fund | Flexi Cap Fund |
| AMC | Bank of India Investment Managers Private Limited | ICICI Prudential Asset Management Company Limited |
| Benchmark | BSE 500 TRI | BSE 500 TRI |
| NAV | ₹40.11 (2026-10-28) | ₹20.78 (2026-10-28) |
| AUM | ₹3,096.76 Cr | ₹24,803.58 Cr |
| Expense Ratio (Direct) | 0.85% | 0.87% |
| Inception | 2020-06-10 | 2021-06-28 |
Returns
BANK OF INDIA Flexi Cap Fund leads on 3-year rolling CAGR (24.5% vs ICICI Prudential Flexi Cap Fund's 20.1%) - see the FAQ below for percentile context within each fund's own category.
Risk Metrics
BANK OF INDIA Flexi Cap Fund has been the more volatile of the two by standard deviation.
| BANK OF INDIA Flexi Cap Fund Direct Plan -Growth | ICICI Prudential Flexi Cap Fund - Direct Plan - Growth | |
|---|---|---|
| 3Y Sharpe Ratio | 0.49 | 0.40 |
| 3Y Alpha | 7.6105% | 5.0789% |
| 3Y Std Deviation | 17.7386% | 14.9238% |
| 3Y Calmar Ratio | 0.66 | 0.66 |
Portfolio Analytics
BANK OF INDIA Flexi Cap Fund carries the higher portfolio YTM.
| BANK OF INDIA Flexi Cap Fund Direct Plan -Growth | ICICI Prudential Flexi Cap Fund - Direct Plan - Growth | |
|---|---|---|
| P/E Ratio | 26.8835 | 33.8176 |
| P/B Ratio | - | - |
| Dividend Yield | 0.7702% | 0.732% |
| Active Share | 75.65% | 67.36% |
| Portfolio Turnover | - | - |
| YTM | 5.71% | 5.2648% |
| Duration (Macaulay) | - | - |
Punji Fund Health Score
BANK OF INDIA Flexi Cap Fund and ICICI Prudential Flexi Cap Fund carry the same Punji Quality grade.
Frequently asked questions
Which has a higher 3-year return, BANK OF INDIA Flexi Cap Fund or ICICI Prudential Flexi Cap Fund?
BANK OF INDIA Flexi Cap Fund's 3-year rolling CAGR of 24.5% is higher than ICICI Prudential Flexi Cap Fund's 20.1%. BANK OF INDIA Flexi Cap Fund sits in the 100th percentile of its category on this metric, versus the 89th percentile for ICICI Prudential Flexi Cap Fund - though note both funds may belong to different categories with different medians, so a raw CAGR comparison doesn't account for how each fund performed relative to its own peers. A higher historical return also doesn't necessarily mean lower risk; check the risk metrics below before concluding either fund is the "better" choice.
Which has a lower expense ratio, BANK OF INDIA Flexi Cap Fund or ICICI Prudential Flexi Cap Fund?
BANK OF INDIA Flexi Cap Fund's direct-plan expense ratio is 0.02 percentage points lower than ICICI Prudential Flexi Cap Fund's. Over long holding periods, a persistent expense-ratio gap compounds into a materially different final corpus even if the two funds' gross returns are similar - it's one of the few fund attributes you can compare with total certainty upfront, unlike future returns, since the fee is contractually fixed rather than a historical estimate.
Which fund carries more risk, BANK OF INDIA Flexi Cap Fund or ICICI Prudential Flexi Cap Fund?
By standard deviation (a measure of how much a fund's returns swing around its own average), BANK OF INDIA Flexi Cap Fund has been more volatile than ICICI Prudential Flexi Cap Fund over the trailing window. Standard deviation captures total volatility in both directions - up and down - so a higher figure means bigger swings generally, not necessarily bigger losses specifically. Sharpe ratio (0.49 for BANK OF INDIA Flexi Cap Fund vs 0.40 for ICICI Prudential Flexi Cap Fund) is a better single measure of risk-adjusted return, since it weighs the return earned per unit of volatility taken rather than volatility alone.
Which has higher AUM, BANK OF INDIA Flexi Cap Fund or ICICI Prudential Flexi Cap Fund?
ICICI Prudential Flexi Cap Fund has ₹24,804 Cr in assets under management, versus ₹3,097 Cr for BANK OF INDIA Flexi Cap Fund. A larger AUM generally means deeper liquidity and lower per-unit fixed costs for the AMC to spread across investors, but an AUM that's very large relative to a fund's category and strategy (especially in small/mid cap categories, where the investable universe is smaller) can also make it harder for a manager to enter and exit positions without moving the price - bigger isn't automatically better, especially for less liquid categories.
Which has a higher yield to maturity (YTM), BANK OF INDIA Flexi Cap Fund or ICICI Prudential Flexi Cap Fund?
BANK OF INDIA Flexi Cap Fund's portfolio YTM (5.71%) is higher than ICICI Prudential Flexi Cap Fund's. YTM is the weighted-average return a debt fund's current bond holdings would earn if held to maturity, assuming no defaults and coupons reinvested at the same rate - a useful forward-looking yield estimate for debt funds the way rolling CAGR is for equity funds, though it's an estimate based on today's portfolio, not a guaranteed return, and can move as bonds are bought/sold or as interest rates change.
Which fund has a longer track record, BANK OF INDIA Flexi Cap Fund or ICICI Prudential Flexi Cap Fund?
BANK OF INDIA Flexi Cap Fund launched on 2020-06-10, making it older than ICICI Prudential Flexi Cap Fund (launched 2021-06-28). A longer track record means more real market cycles (bull runs, corrections, rate cycles) the fund has actually navigated, which is useful context for judging consistency - but it isn't a guarantee of future performance, and a newer fund isn't automatically worse, especially if it's run by an experienced manager or team with a track record at a prior fund.
Data as of 2026-10-29. Source: AMFI disclosures via Punji. Not investment advice.