Fund Overview of Bank Of India Short Term Income Fund Direct-growth
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₹223.5 CrAUM
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₹29.63NAV
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0.52%Expense Ratio
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DebtFund Category
Returns of Bank Of India Short Term Income Fund Direct-growth
| Tenure | Absolute(%) | Annualised(%) | Category Average(%) |
|---|---|---|---|
| 3 Months | 1.34% | NA | 1.00% |
| 6 Months | 4.41% | NA | 4.64% |
| 1 Year | 9.84% | 9.84% | 8.71% |
| 2 Year | NA | 8.73% | 8.38% |
| 3 Years | 34.41% | 10.36% | 7.90% |
| 5 Years | 65.82% | 10.64% | 6.75% |
| 7 Years | 44.36% | 5.38% | NA |
| 10 Years | 84.18% | 6.30% | 7.45% |
Asset Allocation
debt instruments
90.83%other assets or cash equivalents
9.17%Bank Of India Short Term Income Fund Direct-growth is one Debt mutual fund offered by Bank of India Mutual Fund. the fund aims Regular income over short to medium term. Investment in Debt/Money markets instruments/Govt. Securities such that the Macaulay Duration of the portfolio is between 1 year - 3 years. It manages assets worth ₹223.5 crore as on Thu Jul 31, 2025. The expense ratio stands at 0.52%. Fund Manager Manager EducationAbout Bank Of India Short Term Income Fund Direct-growth
The portfolio allocation consists of 90.83% in debt instruments, 9.17% in other assets or cash equivalents. Managed by Mithraem Bharucha, it has delivered a return of 9.84% in the last year, a total return since inception of 6.95%.
Key Metrics of Bank Of India Short Term Income Fund Direct-growth
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Standard Deviation4.44%
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Sharpe Ratio0.80%
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Alpha8.11%
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Beta2.47%
Fund Details
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Fund NamesBank Of India Short Term Income Fund Direct-growth
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Lock InNo Lock-in
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SIP Minimum Investment amount₹ 1000
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SWP Minimum Investment amount₹ 1000
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STP Minimum Investment amount₹ 1000
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RiskPrincipal at moderate risk
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Category Average Annual Returns8.71
Top Performing Mutual Funds
| Fund Names | AUM (Cr) | 1M | 3M | 1Yr | 3Yr | 5Yr |
|---|---|---|---|---|---|---|
Bank Of India Short Term Income Fund Regular-growth  |
₹223 | 0.60% | 1.29% | 9.32% | 9.97% | 10.18% |
| UTI Short Duration Direct-flexi Idcw |
₹3,296 | 0.72% | 1.34% | 8.31% | 8.10% | 7.63% |
| UTI Short Duration Regular Plan-flexi Idcw |
₹3,296 | 0.68% | 1.22% | 7.85% | 7.53% | 7.03% |
| Axis Short Duration Fund Direct-growth |
₹11,760 | 0.77% | 1.49% | 9.18% | 8.32% | 6.81% |
| SBI Short Term Debt Fund Direct-growth |
₹16,453 | 0.74% | 1.41% | 8.78% | 8.09% | 6.42% |
| Nippon India Short Duration Fund-growth |
₹8,739 | 0.80% | 1.32% | 8.43% | 7.70% | 6.26% |
| SBI Short Term Debt Fund-growth |
₹16,453 | 0.71% | 1.29% | 8.29% | 7.57% | 5.90% |
| Baroda Bnp Paribas Short Duration Fund Regular-growth |
₹290 | 0.68% | 1.16% | 8.06% | 7.53% | 5.87% |
| Kotak Bond Short Term Fund Regular-growth |
₹18,174 | 0.67% | 1.11% | 7.77% | 7.32% | 5.76% |
| Mirae Asset Short Duration Fund Regular - Growth |
₹938 | 0.75% | 1.18% | 7.92% | 7.22% | 5.63% |
growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns
More funds from Bank of India Mutual Fund
| Fund Names | AUM (Cr) | 1M | 3M | 6M | 1Yr | 3Yr |
|---|---|---|---|---|---|---|
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Bank Of India Short Term Income Fund Regular-growth
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₹223 | 0.60% | 1.29% | 3.40% | 9.32% | 9.97% |
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Bank Of India Short Term Income Fund Regular-idcw Monthly
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₹223 | 0.60% | 1.29% | 3.40% | 9.32% | 9.97% |
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Bank Of India Short Term Income Fund Direct-idcw Monthly
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₹223 | 0.65% | 1.43% | 3.69% | 9.92% | 10.54% |
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Bank Of India Short Term Income Fund Regular-idcw Quarterly
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₹223 | 0.60% | 1.29% | 3.40% | 9.32% | 9.97% |
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Bank Of India Short Term Income Fund Direct-idcw Quarterly
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₹223 | 0.65% | 1.43% | 3.69% | 9.92% | 10.54% |
growth is based on 1-month returns of the fundsMutual Fund Calculator
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Tax Information
If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 12.5%, if your total long term capital gain exceeds 1.25 lakh. Any cess/surcharge is not included. If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 20%. Any cess/surcharge is not included in the 20%.
Top Mutual Funds
| Fund Names | AUM (Cr) | NAV | 3Yr | 5Yr | 10Yr |
|---|---|---|---|---|---|
| Kotak Bond Short Term Fund Regular-growth |
₹18,174 | ₹53.02 | 7.32% | 5.76% | 6.86% |
| SBI Short Term Debt Fund Direct-growth |
₹16,453 | ₹34.81 | 8.09% | 6.42% | 7.50% |
| SBI Short Term Debt Fund-growth |
₹16,453 | ₹32.73 | 7.57% | 5.90% | 6.94% |
| Axis Short Duration Fund Direct-growth |
₹11,760 | ₹34.44 | 8.32% | 6.81% | 7.87% |
| Nippon India Short Duration Fund-growth |
₹8,739 | ₹53.82 | 7.70% | 6.26% | 7.02% |
| UTI Short Duration Direct-flexi Idcw |
₹3,296 | ₹19.00 | 8.10% | 7.63% | 6.83% |
| UTI Short Duration Regular Plan-flexi Idcw |
₹3,296 | ₹18.44 | 7.53% | 7.03% | 6.28% |
| Mirae Asset Short Duration Fund Regular - Growth |
₹938 | ₹16.02 | 7.22% | 5.63% | - |
| Baroda Bnp Paribas Short Duration Fund Regular-growth |
₹290 | ₹29.76 | 7.53% | 5.87% | 6.87% |
| Bank Of India Short Term Income Fund Regular-growth |
₹223 | ₹27.21 | 9.97% | 10.18% | 5.61% |
Detailed Portfolio
| Stocks | Sector | % of Holding | Value |
|---|---|---|---|
| Lic Housing Finance Ltd Tr 456 6.90 Ncd 17sp27 Fvrs1lac | Financial | 8.97% | ₹20.04 Cr |
| Repo | Unspecified | 7.81% | ₹17.45 Cr |
| Punjab National Bank Cd 05dec25 | Financial | 6.58% | ₹14.70 Cr |
| Motilal Oswal Financial Services Limited 344d Cp 12jun26 | Financial | 6.31% | ₹14.11 Cr |
| 7.34% Rec Ltd. ** | Financial | 5.03% | ₹11.23 Cr |
| Canara Bank Cd 20jan26 | Financial | 4.79% | ₹10.70 Cr |
| Indian Railway Finance Corporation Limited Sr 181 7.37 Bd 31jl29 Fvrs1lac | Financial | 4.58% | ₹10.24 Cr |
| Small Industries Development Bank Of India Sr Viii 7.49 Bd 11ju29 Fvrs1lac | Financial | 4.58% | ₹10.24 Cr |
| Muthoot Finance Limited 8.90 Ncd 07ot27 Fvrs1lac | Financial | 4.57% | ₹10.21 Cr |
| Godrej Industries Limited Sr Ii 8.40 Ncd 27ag27 Fvrs1lac | Diversified | 4.56% | ₹10.19 Cr |
| Government Of India 35943 Goi 05my35 6.33 Fv Rs 100 | Entities | 4.46% | ₹9.97 Cr |
| Kotak Mahindra Bank Limited Cd 09jan26 | Financial | 4.36% | ₹9.74 Cr |
| Power Finance Corporation Limited Sr 237a 7.60 Bd 13ap29 Fvrs1lac | Financial | 2.76% | ₹6.16 Cr |
| Bharti Telecom Limited 360d Cp 17oct25 | Technology | 2.65% | ₹5.92 Cr |
| National Bank For Agriculture And Rural Development Cd 13mar26 | Financial | 2.59% | ₹5.78 Cr |
| Government Of India 35031 Goi 07ot34 6.79 Fv Rs 100 | Entities | 2.48% | ₹5.55 Cr |
| Central Government Loan 31568 Goi 18ap29 7.10 Fv Rs 100 | Entities | 2.32% | ₹5.18 Cr |
| National Bank For Agriculture And Rural Development Sr 25d 7.40 Bd 29ap30 Fvrs1lac | Financial | 2.29% | ₹5.11 Cr |
| Bajaj Finance Limited 8.1167 Ncd 10my27 Fvrs1lac | Financial | 2.28% | ₹5.09 Cr |
| Vedanta Limited Sr Ii 9.45 Ncd 05ju28 Fvrs1lac | Materials | 2.26% | ₹5.04 Cr |
| Bank Of Baroda Cd 13jan26 | Financial | 2.18% | ₹4.87 Cr |
| Indian Bank Cd 19jan26 | Financial | 2.18% | ₹4.86 Cr |
| Indian Bank (04/02/2026) | Financial | 2.17% | ₹4.85 Cr |
| Export Import Bank Of India Cd 20mar26 | Financial | 2.16% | ₹4.82 Cr |
| Power Finance Corporation Ltd. Sr Bs 230 7.37 Bd 22my26 Fvrs1lac | Financial | 1.80% | ₹4.03 Cr |
| National Bank For Agriculture And Rural Development Sr F24 7.68 Bd 30ap29 Fvrs1lac | Financial | 1.61% | ₹3.60 Cr |
| Net Receivables | Unspecified | 1.36% | ₹3.12 Cr |
| Others Class A2 Aif | Unspecified | 0.20% | ₹0.44 Cr |
| Government Of India 35466 364 Days Tbill 15jn26 Fv Rs 100 | Financial | 0.11% | ₹0.24 Cr |
Top Debt Funds
| Fund Names | NAV | 3Yr | 5Yr | 52 weeks high |
|---|---|---|---|---|
| Bank Of India Short Term Income Fund Regular-growth |
₹27.21 | 9.97% | 10.18% | - |
| UTI Short Duration Direct-flexi Idcw |
₹19.00 | 8.10% | 7.63% | - |
| UTI Short Duration Regular Plan-flexi Idcw |
₹18.44 | 7.53% | 7.03% | - |
| Axis Short Duration Fund Direct-growth |
₹34.44 | 8.32% | 6.81% | - |
| SBI Short Term Debt Fund Direct-growth |
₹34.81 | 8.09% | 6.42% | - |
| Nippon India Short Duration Fund-growth |
₹53.82 | 7.70% | 6.26% | - |
| SBI Short Term Debt Fund-growth |
₹32.73 | 7.57% | 5.90% | - |
| Baroda Bnp Paribas Short Duration Fund Regular-growth |
₹29.76 | 7.53% | 5.87% | - |
| Kotak Bond Short Term Fund Regular-growth |
₹53.02 | 7.32% | 5.76% | - |
| Mirae Asset Short Duration Fund Regular - Growth |
₹16.02 | 7.22% | 5.63% | - |
growth is based on 5Y returns of the funds
Bank Of India Short Term Income Fund Direct-growth
What is the current AUM of Bank Of India Short Term Income Fund Direct-growth?
As of Thu Jul 31, 2025, Bank Of India Short Term Income Fund Direct-growth manages assets worth ₹223.5 crore
How has Bank Of India Short Term Income Fund Direct-growth performed recently?
- 3 Months: 1.34%
- 6 Months: 4.41%
What is the long-term performance of Bank Of India Short Term Income Fund Direct-growth?
- 3 Years CAGR: 10.36%
- 5 Years CAGR: 10.64%
- Since Inception: 6.95%
What is the portfolio composition of Bank Of India Short Term Income Fund Direct-growth?
Debt: 90.83%, Others: 9.17%.
Who manages Bank Of India Short Term Income Fund Direct-growth?
Bank Of India Short Term Income Fund Direct-growth is managed by Mithraem Bharucha from Bank of India Mutual Fund.
Which are the top companies Bank Of India Short Term Income Fund Direct-growth has invested in?
- LIC HOUSING FINANCE LTD TR 456 6.90 NCD 17SP27 FVRS1LAC – 8.97% of the fund's portfolio
- Repo – 7.81% of the fund's portfolio
- PUNJAB NATIONAL BANK CD 05DEC25 – 6.58% of the fund's portfolio
- MOTILAL OSWAL FINANCIAL SERVICES LIMITED 344D CP 12JUN26 – 6.31% of the fund's portfolio
- 7.34% REC Ltd. ** – 5.03% of the fund's portfolio
Which are the major sectors Bank Of India Short Term Income Fund Direct-growth focuses on?
- Financial – 71.90% of the fund's portfolio
- Unspecified – 9.37% of the fund's portfolio
- Entities – 9.26% of the fund's portfolio
- Diversified – 4.56% of the fund's portfolio
- Technology – 2.65% of the fund's portfolio
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