Two funds walk into a table. Only the numbers talk.
Bank of India Small Cap Fund vs Invesco India Small Cap Fund
Pick two or three funds. We’ll tell you in plain words which grew faster, which was calmer, which costs less and what your money would have become. Figures are for the Direct plan, Growth option, where a fund has one.
- ABank of India Small Cap Fund
Bank of India Mutual Fund- Small Cap Fund
- Direct plan
- Very High Risk
NAV ₹66.36 on 24 Sept 2026
- BInvesco India Small Cap Fund
Invesco Mutual Fund- Small Cap Fund
- Direct plan
- Very High Risk
NAV ₹54.09 on 24 Sept 2026
The short version
Who comes out ahead on each measure, over the 5 years all of them have been around.
Grew faster
ABank of India Small Cap Fund
Bank of India Small Cap Fund returned 20% a year over 5 years, against 20% for Invesco India Small Cap Fund. ₹1 lakh invested 5 years ago would be about ₹2.49 Lakh today, against ₹2.49 Lakh.
Smoother ride
BInvesco India Small Cap Fund
Invesco India Small Cap Fund swung the least: about 17.9% a year either way, against 18.9% for Bank of India Small Cap Fund. Lower means fewer scary days.
Fell less in a crash
ABank of India Small Cap Fund
At its worst, Bank of India Small Cap Fund fell 32.4% from its peak, against 37.7% for Invesco India Small Cap Fund. On ₹1 lakh, that's a dip to ₹62,341 at the bottom for Invesco India Small Cap Fund. Could you have held on?
More consistent
BInvesco India Small Cap Fund
Pick any day in the past and hold for a year: Invesco India Small Cap Fund ended up in profit 92% of the time, against 87% for Bank of India Small Cap Fund.
What your money would have become
The same amount, put into each fund on the same day.
The dashed line is the ₹10,000 you put in. Above it is profit, below it is loss.
- ABank of India Small Cap Fund₹24,910 from ₹10,000(20% a year)
- BInvesco India Small Cap Fund₹24,869 from ₹10,000(20% a year)
A one-time ₹10,000 put in 5 years ago, valued at the latest NAV. This is what happened, not what will.
Strengths and watch-outs
Each fund judged against its own category, and against a 5-year SBI FD at 6.05%.
ABank of India Small Cap Fund
- Strength: Ahead of its category: 20% a year over 5 years, against a category average of 16.1%
- Strength: In the top quarter of its category over 5 years (#1 of 21)
- Strength: Beat a 5-year SBI FD: 20% a year over 5 years, against 6.05%
- Strength: Low cost: 0.44% a year
- Watch out: Swings more than most funds in its category
BInvesco India Small Cap Fund
- Strength: Ahead of its category: 20% a year over 5 years, against a category average of 16.1%
- Strength: In the top quarter of its category over 5 years (#2 of 21)
- Strength: Beat a 5-year SBI FD: 20% a year over 5 years, against 6.05%
- Strength: Low cost: 0.41% a year
- Watch out: Fell harder than its category in the worst crash
All the numbers
The stronger figure in each row is marked Best. Under each return is the fund’s rank in its category and the category average.
| Measure | ABank of India Small Cap Fund | BInvesco India Small Cap Fund |
|---|---|---|
| ReturnsHow much the fund grew. Beyond a year, this is per year (annualised). | ||
| 1 yearLast 12 months, the most noisy figure | 26.7%Best#2 of 30 · avg 12.4% | 16.1%#10 of 30 · avg 12.4% |
| 3 yearsPer year, over a full market mood swing | 22.7%#4 of 23 · avg 16.6% | 23.6%Best#3 of 23 · avg 16.6% |
| 5 yearsPer year, the fairest single test | 20%Best#1 of 21 · avg 16.1% | 20%#2 of 21 · avg 16.1% |
| RiskHow bumpy the ride was. This is what decides whether you stay invested. | ||
| Ups and downsVolatility: how far it swings in a typical year. Lower is calmer | 18.9%category avg 16.8% | 17.9%Bestcategory avg 16.8% |
| Worst fallThe biggest drop from a peak in 10 years. Lower is better | −32.4%Bestcategory avg −31.7% | −37.7%category avg −31.7% |
| Best 12 monthsIts strongest year | 126.4%Best | 105.6% |
| Worst 12 monthsIts weakest year | -20%Best | -25.7% |
| Odds of a gainShare of all 1-year holding periods that ended in profit | 87% | 92%Best |
| Cost and sizeThe fee comes out of your returns every year, whether the fund does well or not. | ||
| Expense ratioYearly fee. Lower keeps more for you | 0.44% | 0.41%Best |
| Fund sizeMoney managed (AUM). Neither better nor worse | ₹3,307 Cr | ₹15,744 Cr |
| Minimum SIPSmallest monthly amount | ₹1,000 | ₹100Best |
| Lock-inTime before you can withdraw | None | None |
“Best” is not a recommendation: a fund that returned more usually took more risk to do it.
Which one fits you?
There is no best fund, only a better fit for what you need the money to do.
ABank of India Small Cap Fund
Might suit you if…
- you want the stronger long-run growth and can sit through sharper falls
- a smoother ride matters more to you than the top return
BInvesco India Small Cap Fund
Might suit you if…
- a smoother ride matters more to you than the top return
- you may need the money at short notice and want better odds of being in profit