Home Mf Research Bank Of India Short Term Income Fund Regular Plan Growth

Bank of India Short Term Income Fund - Regular Plan - Growth

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Fund info
NAV (as on 2025-07-18)
26.92 0.03%
AUM (Fund Size)
N/A
Expense Ratio
1.05%
Exit load
NIL
Risk
N/A
AMC
BANK OF INDIA MUTUAL FUND
View AMC Details

SIP Returns

Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-07-11 ₹1,000.00 ₹1,001.28
0.13 %
Two Week 2025-07-03 ₹1,000.00 ₹1,002.07
0.21 %
One Month 2025-06-18 ₹1,000.00 ₹1,004.67
0.47 %
Three Months 2025-04-21 ₹3,000.00 ₹3,028.97
0.97 %
Six Months 2025-01-20 ₹6,000.00 ₹6,143.98
2.40 %
One Year 2024-07-18 ₹12,000.00 ₹12,622.76
5.19 %
Three Year 2022-07-19 ₹36,000.00 ₹41,230.26
14.53 %
Five Year 2020-07-20 ₹60,000.00 ₹78,264.75
30.44 %
Ten Year 2015-07-21 ₹120,000.00 ₹169,937.47
41.61 %
Since Inception 2008-12-18 ₹202,000.00 ₹353,452.34
74.98 %

Return Calculator

SIP Amount
1M
6M
1Y
3Y
5Y
Investment
₹0
Maturity Value
₹0
Abs. Returns
0
Current CAGR
0

Portfolio

Allocation of Equity and Debt Asset Classes.

Equity N/A
Debt 178%
Others 0%

Sectors Holding in Bank of India Short Term Income Fund - Regular Plan - Growth

Other
164%

Companies Holding in Bank of India Short Term Income Fund - Regular Plan - Growth

7.34% REC Limited (30/04/2030)
8.25%
7.49% Small Industries Dev Bank Of India (11/06/2029)
7.50%
7.37% Indian Railway Finance Corporation Limited (31/07/2029)
7.50%
6.33% Government Of India (05/05/2035)
7.35%
7.27% Tata Capital Housing Finance Limited (25/04/2028)
7.32%
7.6% Power Finance Corporation Limited (13/04/2029)
4.51%
6.79% Government Of India (07/10/2034)
4.08%
7.1% Government Of India (18/04/2029)
3.80%
7.40 % National Bank For Agriculture And Rural Development (29/04/2030)
3.75%
8.1167% Bajaj Finance Limited (10/05/2027)
3.71%
7.35% Export Import Bank Of India (27/07/2028)
2.99%
7.68% National Bank For Agriculture And Rural Development (30/04/2029)
2.64%
7.25% National Bank For Agriculture And Rural Development (01/08/2025)
1.46%
HDFC Bank Limited (04/02/2026)
5.24%
Indian Bank (19/01/2026)
3.50%
Indian Bank (04/02/2026)
3.49%
Export Import Bank Of India (20/03/2026)
3.47%
Kotak Mahindra Prime Limited (27/03/2026)
6.90%
Bharti Telecom Limited (17/10/2025)
4.26%
364 Days Tbill (MD 15/01/2026)
0.18%
Corporate Debt Market Development Fund
0.18%
REPO
7.36%
TREPS
0.31%
Net Receivables / (Payables)
0.25%
7.34% REC Limited (30/04/2030)
8.25%
7.49% Small Industries Dev Bank Of India (11/06/2029)
7.50%
7.37% Indian Railway Finance Corporation Limited (31/07/2029)
7.50%
6.33% Government Of India (05/05/2035)
7.35%
7.27% Tata Capital Housing Finance Limited (25/04/2028)
7.32%
7.6% Power Finance Corporation Limited (13/04/2029)
4.51%
6.79% Government Of India (07/10/2034)
4.08%
7.1% Government Of India (18/04/2029)
3.80%
7.40 % National Bank For Agriculture And Rural Development (29/04/2030)
3.75%
8.1167% Bajaj Finance Limited (10/05/2027)
3.71%
7.35% Export Import Bank Of India (27/07/2028)
2.99%
7.68% National Bank For Agriculture And Rural Development (30/04/2029)
2.64%
7.25% National Bank For Agriculture And Rural Development (01/08/2025)
1.46%
HDFC Bank Limited (04/02/2026)
5.24%
Indian Bank (19/01/2026)
3.50%
Indian Bank (04/02/2026)
3.49%
Export Import Bank Of India (20/03/2026)
3.47%
Kotak Mahindra Prime Limited (27/03/2026)
6.90%
Bharti Telecom Limited (17/10/2025)
4.26%
364 Days Tbill (MD 15/01/2026)
0.18%
Corporate Debt Market Development Fund
0.18%
REPO
7.36%
TREPS
0.31%
Net Receivables / (Payables)
0.25%

Risk Ratios

Std. Deviation N/A
Beta N/A
Sharpe Ratio N/A
Lock In Period N/A
Residual Maturity N/A

Standard Deviation:

Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.

Beta:

Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.

Sharpe Ratio:

The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.

Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.

Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.

Scheme Details

Min. SIP Amount
N/A
Min. Lumpsum Amount
N/A
AUM (in Cr.)
N/A
Expense Ratio Regular
1.05
Expense Ratio Direct
0.50
Lock-in Period
N/A
Fund Age
N/A
Benchmark
N/A
Fund managers
Mr. Mithraem Bharucha
15 years Experience

Exit load

NIL

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