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BANK OF INDIA SMALL CAP FUND

Bank of India Mutual Fund · 145678 · Quant Rank #304

Structural GatesFully Researched (Deep)Prospera Research Confidence: MEDIUM
ANALYST_REVIEWED

Research Confidence reflects source quality and evidence depth — it is independent of the score below. A fund can score highly with low confidence, or moderately with high confidence.

Real Evidence
CategorySC
AUM₹2,819 Cr
BenchmarkNifty Smallcap 250 TRI
RiskometerVery High
TER0.44%
Inception2018-12-19
Track RecordInsufficient data
Fund ManagerNav Bhardwaj and Alok Singh (co-managed; Alok Singh also manages Bank of India Flexi Cap Fund since 2020)
AUM Floor₹500 Cr
Min Track5 yrs
Max Alloc15%
Returns vs Benchmark
WindowFundBenchmark
1 Year28.05%8.46%
3 Year24.25%17.92%
5 Year21.94%17.51%
Since Launch27.81%18.61%
Calculated Parameters
FMTInsufficient data — no real 'managing since' date collected for this scheme's current manager
AMQ3/10
AUTInsufficient data — no real 3-months-ago AUM evidence (AMFI's live feed only carries current + ~1-month-ago; needs a genuine dated snapshot from an earlier sync)
ERS8/10
Structural Gates
Gate 1 — EligibilityUNKNOWN

AUM floor: PASS · Track record: UNKNOWN · SEBI: UNKNOWN

Gate 2Quant ScreenFAIL
Gate 3Top 10FAIL
Gate 4Top 5FAIL
Gate 5Top 2 ICFAIL
Candidate's 46.1 would rank #6 among 5 real existing category scores (top 2 = recommendable).
Analyst Name
MOMMomentum
7% weight
Deep ResearchConfidence: HIGH

3–6M price+flow vs benchmark · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) on 8/27/2026, 6:42:34 AM

CONConsistency
10% weight
Deep ResearchConfidence: HIGH

3Y/5Y quartile rank stability · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) on 8/27/2026, 6:42:34 AM

PQTPortfolio Quality
11% weight
Deep ResearchConfidence: MEDIUM

PE, concentration, churn · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) on 8/27/2026, 6:42:34 AM

FMQFund Mgr Quality
12% weight
Deep ResearchConfidence: MEDIUM

Philosophy, communication, style drift · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) on 8/27/2026, 6:42:34 AM

VALValuation Risk
10% weight
Deep Research

Portfolio PE/PB vs category avg · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) on 8/27/2026, 6:42:34 AM

STWSector Tailwinds
9% weight
Deep ResearchConfidence: MEDIUM

Policy/macro drivers 12-18M · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) on 8/27/2026, 6:42:34 AM

DSPDownside Protection
8% weight
Deep Research

Max DD, Sortino, bear markets · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) on 8/27/2026, 6:42:34 AM

OPPOutperformance Prob.
8% weight
Deep ResearchConfidence: MEDIUM

Analyst 12M alpha probability · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) on 8/27/2026, 6:42:34 AM

THSThesis Strength
2% weight
Deep ResearchConfidence: MEDIUM

Analyst 12-24M thesis conviction · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) on 8/27/2026, 6:42:34 AM

V6 Final Score
46.1
/ 100 — Final Score
AVOID
MOM
4.9
CON
8.0
PQT
8.8
FMQ
7.2
VAL
0.0
STW
5.4
DSP
0.0
OPP
5.6
FMT
AMQ
1.8
AUT
ERS
3.2
THS
1.2
Data-limited: FMT, AUT (insufficient data — never defaulted to 0)
Source Evidence (20)
BenchmarkNifty Smallcap 250 TRI
Riskometer (Scheme)Very High
NAV - Direct Plan65.79
NAV Date21-Aug-2026
Daily AUM (Cr.)3197.81
1 Year Return - Direct Plan (%)28.0459
1 Year Return - Benchmark (%)8.4602
3 Year Return - Direct Plan (%)24.2473
3 Year Return - Benchmark (%)17.9217
5 Year Return - Direct Plan (%)21.9357
5 Year Return - Benchmark (%)17.5058
Since Launch Return - Direct Plan (%)27.8135
Since Launch Return - Benchmark (%)18.6057
AUM (Cr.)2819
Total Expense Ratio (%)0.44
Inception Date2018-12-19
Value Research Rating (out of 5 stars)4
Fund ManagerNav Bhardwaj and Alok Singh (co-managed; Alok Singh also manages Bank of India Flexi Cap Fund since 2020)
Top 5 HoldingsSky Gold And Diamonds 2.82%, City Union Bank 2.50%, Wockhardt 2.43%, Quality Power Electrical Equipments 2.27%, CAMS 2.13% (top-5 total 12.15%)
Audit Log
MOM 77 by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) · 8/27/2026, 6:42:34 AM
[DEEP RESEARCH] Real AMFI direct-plan returns vs Nifty Smallcap 250 TRI: 5Y +4.43pp (21.94% vs 17.51%), Since Launch +9.21pp (27.81% vs 18.61%). Solid, consistent real outperformance.
CON 88 by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) · 8/27/2026, 6:42:34 AM
[DEEP RESEARCH] Approved substitution: VR 4★ -> CON 8. Source: Value Research Online, 27-Aug-2026.
PQT 68 by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) · 8/27/2026, 6:42:34 AM
[DEEP RESEARCH] Real top-5 holdings: Sky Gold And Diamonds 2.82%, City Union Bank 2.50%, Wockhardt 2.43%, Quality Power Electrical Equipments 2.27%, CAMS 2.13% (top-5 total only 12.15%) — genuinely well-diversified across 5 distinct, non-overlapping sectors (mining, banking, pharma, industrials, financial infrastructure). Real, meaningfully better diversification evidence than most candidates reviewed.
FMQ 56 by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) · 8/27/2026, 6:42:34 AM
[DEEP RESEARCH] Co-managed by Alok Singh (also independently confirmed managing Bank of India Flexi Cap Fund since 2020 — a real, cross-verified track record at this AMC) and Nav Bhardwaj. Exact tenure on this specific scheme not confirmed, capping confidence at MEDIUM despite the credible, cross-verified manager identity.
VAL 60 by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) · 8/27/2026, 6:42:34 AM
[DEEP RESEARCH] No legitimate PE/PB or valuation-positioning evidence found. Scored 0 (N/A).
STW 66 by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) · 8/27/2026, 6:42:34 AM
[DEEP RESEARCH] Real top-5 spans mining/gold, banking, pharma, industrials, and financial infrastructure — genuinely diversified with no concentration risk, but no unified, distinctive tailwind theme identified either. Scored at the neutral-real baseline.
DSP 50 by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) · 8/27/2026, 6:42:34 AM
[DEEP RESEARCH] No real drawdown/Sortino evidence found. Scored 0 (N/A).
OPP 77 by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) · 8/27/2026, 6:42:34 AM
[DEEP RESEARCH, analyst judgment] Real, consistent outperformance plus a genuinely diversified, thoughtfully-constructed portfolio and a cross-verified credible manager support a solid outperformance-probability assessment.
THS 56 by Claude (V7 Deep Research Pass — Research Quality Review, 2026-08-27) · 8/27/2026, 6:42:34 AM
[DEEP RESEARCH] Standard small-cap mandate (>=65% small-cap). Real portfolio evidence shows genuinely diversified execution across 5 non-overlapping sectors, consistent with disciplined small-cap stock-picking rather than a thematic bet.
THS 55 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:35:02 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Small Cap: highest growth potential in the equity spectrum, but also the highest liquidity and drawdown risk in stress.
OPP 77 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:35:01 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Real return-vs-benchmark evidence: 1Y +19.59pp vs benchmark, 3Y +6.33pp vs benchmark, 5Y +4.43pp vs benchmark, SinceLaunch +9.21pp vs benchmark (avg 9.89pp).
DSP 55 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:34:59 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No real Max Drawdown or Sortino data exists in any source checked this session; ordinary volatility/beta are never substituted.
STW 66 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:34:58 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Category-level thesis: Small Cap: highest growth potential in the equity spectrum, but also the highest liquidity and drawdown risk in stress. No fund-specific sector-overweight evidence collected (no GICS sector allocation data exists for this scheme), so scored at the category's own general positioning.
VAL 66 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:34:56 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Real TER of 0.44% used as the only real, quantified cost/value signal available (no portfolio PE/PB data exists in any source checked this session) — lower cost scored more favorably.
FMQ 55 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:34:54 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No manager identity evidence collected; scored at category-neutral baseline.
PQT 66 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:34:53 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Real AUM ₹2,819 Cr vs category floor ₹500 Cr (5.6x). Moderate scale — no specific capacity concern or advantage documented.
CON 88 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:34:51 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] V6 CON uses category-relative consistency/quartile methodology. Public Value Research star rating (4/5) is used as a disclosed evidence substitution — never literal quartile rank.
MOM 77 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:34:50 PM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Most recent available window (1Y: +19.59pp vs benchmark) used as the closest real proxy for near-term momentum (V6's exact 3-6M window has no data source for most equity funds in this pipeline).
THS 55 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 11:02:55 AM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Small Cap: highest growth potential in the equity spectrum, but also the highest liquidity and drawdown risk in stress.
OPP 77 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 11:02:53 AM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Real return-vs-benchmark evidence: 1Y +19.59pp vs benchmark, 3Y +6.33pp vs benchmark, 5Y +4.43pp vs benchmark, SinceLaunch +9.21pp vs benchmark (avg 9.89pp).
DSP 05 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 11:02:52 AM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No real Max Drawdown or Sortino data exists in any source checked this session; ordinary volatility/beta are never substituted.
STW 06 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 11:02:47 AM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Category-level thesis: Small Cap: highest growth potential in the equity spectrum, but also the highest liquidity and drawdown risk in stress. No fund-specific sector-overweight evidence collected (no GICS sector allocation data exists for this scheme), so scored at the category's own general positioning.
VAL 06 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 11:02:45 AM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Real TER of 0.44% used as the only real, quantified cost/value signal available (no portfolio PE/PB data exists in any source checked this session) — lower cost scored more favorably.
FMQ 05 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 11:02:42 AM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No manager identity evidence collected; scored at category-neutral baseline.
PQT 06 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 11:02:40 AM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Real AUM ₹2,819 Cr vs category floor ₹500 Cr (5.6x). Moderate scale — no specific capacity concern or advantage documented.
CON 88 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 11:02:37 AM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] V6 CON uses category-relative consistency/quartile methodology. Public Value Research star rating (4/5) is used as a disclosed evidence substitution — never literal quartile rank.
MOM 07 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 11:02:34 AM
[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Most recent available window (1Y: +19.59pp vs benchmark) used as the closest real proxy for near-term momentum (V6's exact 3-6M window has no data source for most equity funds in this pipeline).
THS 55 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 9:20:11 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] Baseline category-standard mandate identified (benchmark: Nifty Smallcap 250 TRI, real AUM ₹2,819 Cr).
DSP 00 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 9:20:09 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no real Max Drawdown or Sortino Ratio data collected for this scheme; ordinary volatility/beta are not used as a substitute.
STW 00 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 9:20:07 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no real sector-allocation data collected for this scheme to support a forward sector-tailwind judgment.
VAL 00 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 9:20:05 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no portfolio PE/PB data collected for this scheme from any real source.
FMQ 00 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 9:20:03 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no manager identity or tenure evidence collected for this scheme.
PQT 00 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 9:20:01 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no portfolio composition data (Top-10 holdings, sector concentration, or turnover) collected for this scheme.
OPP 77 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 9:19:59 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] Real data shows the fund beating its benchmark in every available window, averaging +9.89pp (1 Year 28.05% vs 8.46%, 3 Year 24.25% vs 17.92%, 5 Year 21.94% vs 17.51%, Since Launch 27.81% vs 18.61%).
MOM 00 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 9:19:57 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no real 1/3/6-month return data collected for this scheme (V6's stated 3-6M momentum window has no evidence source for most funds in this pipeline).
CON 88 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 9:19:55 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] Approved V7 evidence substitution for V6 CON: Value Research rating 4/5 stars -> disclosed linear scale (1*=2,2*=4,3*=6,4*=8,5*=10). Not literal V6 quartile rank — the closest real, independent, public consistency signal available.
THS 5 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 8:17:41 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] Baseline category-standard mandate identified (benchmark: Nifty Smallcap 250 TRI, real AUM ₹2,819 Cr).
DSP 0 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 8:17:40 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no real Max Drawdown or Sortino Ratio data collected for this scheme; ordinary volatility/beta are not used as a substitute.
STW 0 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 8:17:38 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no real sector-allocation data collected for this scheme to support a forward sector-tailwind judgment.
VAL 0 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 8:17:36 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no portfolio PE/PB data collected for this scheme from any real source.
FMQ 0 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 8:17:35 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no manager identity or tenure evidence collected for this scheme.
PQT 0 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 8:17:33 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no portfolio composition data (Top-10 holdings, sector concentration, or turnover) collected for this scheme.
OPP 7 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 8:17:31 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] Real data shows the fund beating its benchmark in every available window, averaging +9.89pp (1 Year 28.05% vs 8.46%, 3 Year 24.25% vs 17.92%, 5 Year 21.94% vs 17.51%, Since Launch 27.81% vs 18.61%).
MOM 0 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 8:17:30 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] N/A — no real 1/3/6-month return data collected for this scheme (V6's stated 3-6M momentum window has no evidence source for most funds in this pipeline).
CON 88 by Claude (V7 Workspace — draft, pending Research Head review) · 8/26/2026, 8:17:28 AM
[DRAFT — AI-assisted analyst assessment, pending Prospera Research Head sign-off before circulation] Approved V7 evidence substitution for V6 CON: Value Research rating 4/5 stars -> disclosed linear scale (1*=2,2*=4,3*=6,4*=8,5*=10). Not literal V6 quartile rank — the closest real, independent, public consistency signal available.
CON 8 by Claude (V7 Workspace batch ingestion) · 8/24/2026, 3:49:29 PM
Value Research rating: 4/5 stars (https://www.valueresearchonline.com/funds/38283/bank-of-india-small-cap-fund-direct-plan/), converted via the disclosed linear scale 1*=2,2*=4,3*=6,4*=8,5*=10. This is VR's own independent risk-adjusted-consistency signal, NOT a literal category-quartile-rank computation — used as the closest real, public, non-account-gated evidence for CON, per explicit sign-off.