Fund Overview of Bank Of India Short Term Income Fund Regular-growth
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₹223.5 CrAUM
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₹27.21NAV
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1.07%Expense Ratio
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DebtFund Category
Returns of Bank Of India Short Term Income Fund Regular-growth
| Tenure | Absolute(%) | Annualised(%) | Category Average(%) |
|---|---|---|---|
| 3 Months | 1.20% | NA | 1.00% |
| 6 Months | 4.11% | NA | 4.64% |
| 1 Year | 9.24% | 9.24% | 8.71% |
| 2 Year | NA | 8.14% | 8.38% |
| 3 Years | 32.36% | 9.79% | 7.90% |
| 5 Years | 62.06% | 10.14% | 6.75% |
| 7 Years | 39.55% | 4.88% | NA |
| 10 Years | 73.61% | 5.67% | 7.45% |
Asset Allocation
debt instruments
90.83%other assets or cash equivalents
9.17%Bank Of India Short Term Income Fund Regular-growth is one Debt mutual fund offered by Bank of India Mutual Fund. Launched on 18 Dec 2008, 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 1.07%. Fund Manager Manager EducationAbout Bank Of India Short Term Income Fund Regular-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 9.24% in the last year, a total return since inception of 6.13%.
Key Metrics of Bank Of India Short Term Income Fund Regular-growth
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Standard Deviation4.44%
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Sharpe Ratio0.68%
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Alpha7.60%
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Beta2.48%
Fund Details
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Fund NamesBank Of India Short Term Income Fund Regular-growth
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Inception Date18 Dec 2008
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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 Direct-growth
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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 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 Regular-growth
What is the current AUM of Bank Of India Short Term Income Fund Regular-growth?
As of Thu Jul 31, 2025, Bank Of India Short Term Income Fund Regular-growth manages assets worth ₹223.5 crore
How has Bank Of India Short Term Income Fund Regular-growth performed recently?
- 3 Months: 1.20%
- 6 Months: 4.11%
What is the long-term performance of Bank Of India Short Term Income Fund Regular-growth?
- 3 Years CAGR: 9.79%
- 5 Years CAGR: 10.14%
- Since Inception: 6.13%
What is the portfolio composition of Bank Of India Short Term Income Fund Regular-growth?
Debt: 90.83%, Others: 9.17%.
Who manages Bank Of India Short Term Income Fund Regular-growth?
Bank Of India Short Term Income Fund Regular-growth is managed by Mithraem Bharucha from Bank of India Mutual Fund.
Which are the top companies Bank Of India Short Term Income Fund Regular-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 Regular-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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