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Home Mf Research Bank Of India Short Term Income Fund Regular Plan Growth
BANK OF INDIA MUTUAL FUND

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

Debt Debt Short Term
Fund House : BANK OF INDIA MUTUAL FUND
Overview
Returns
Portfolio
Analysis
Peer Comparison
Fund Family
Scheme Details
-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • 5Y
  • 10Y
  • SI
NAV (as on 2025-06-20)
26.78 -0.03%
Fund Size (Total Assets)
-
Expense Ratio (Regular)
-%
Expense Ratio (Direct)
-%
SIP Returns
Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-06-13 ₹1,000.00 ₹1,000.97
0.10 %
Two Week 2025-06-05 ₹1,000.00 ₹999.79
-0.02 %
One Month 2025-05-21 ₹1,000.00 ₹1,002.35
0.23 %
Three Months 2025-03-24 ₹3,000.00 ₹3,037.69
1.26 %
Six Months 2024-12-23 ₹6,000.00 ₹6,153.36
2.56 %
One Year 2024-06-20 ₹12,000.00 ₹12,651.64
5.43 %
Three Year 2022-06-21 ₹36,000.00 ₹41,326.03
14.79 %
Five Year 2020-06-22 ₹60,000.00 ₹78,455.42
30.76 %
Ten Year 2015-06-23 ₹120,000.00 ₹169,706.94
41.42 %
Since Inception 2008-12-18 ₹201,000.00 ₹350,604.84
74.43 %
Portfolio Summary
Company Name Sector Sector Type Nav(in %)
7.34% REC Limited (30/04/2030) - Debt 8.25
7.49% Small Industries Dev Bank of India (11/06/2029) - Debt 7.50
7.37% Indian Railway Finance Corporation Limited (31/07/2029) - Debt 7.50
6.33% Government of India (05/05/2035) - Debt 7.35
7.27% Tata Capital Housing Finance Limited (25/04/2028) - Debt 7.32
7.6% Power Finance Corporation Limited (13/04/2029) - Debt 4.51
6.79% Government of India (07/10/2034) - Debt 4.08
7.1% Government of India (18/04/2029) - Debt 3.80
7.40 % National Bank For Agriculture and Rural Development (29/04/2030) - Debt 3.75
8.1167% Bajaj Finance Limited (10/05/2027) - Debt 3.71
7.35% Export Import Bank of India (27/07/2028) - Debt 2.99
7.68% National Bank For Agriculture and Rural Development (30/04/2029) - Debt 2.64
7.25% National Bank For Agriculture and Rural Development (01/08/2025) - Debt 1.46
HDFC Bank Limited (04/02/2026) - Debt 5.24
Indian Bank (19/01/2026) - Debt 3.50
Indian Bank (04/02/2026) - Debt 3.49
Export Import Bank of India (20/03/2026) - Debt 3.47
Kotak Mahindra Prime Limited (27/03/2026) - Debt 6.90
Bharti Telecom Limited (17/10/2025) - Debt 4.26
364 Days Tbill (MD 15/01/2026) - Debt 0.18
Corporate Debt Market Development Fund - Debt 0.18
REPO Debt 7.36
TREPS Debt 0.31
Net Receivables / (Payables) - - 0.25
7.34% REC Limited (30/04/2030) - Debt 8.25
7.49% Small Industries Dev Bank of India (11/06/2029) - Debt 7.50
7.37% Indian Railway Finance Corporation Limited (31/07/2029) - Debt 7.50
6.33% Government of India (05/05/2035) - Debt 7.35
7.27% Tata Capital Housing Finance Limited (25/04/2028) - Debt 7.32
7.6% Power Finance Corporation Limited (13/04/2029) - Debt 4.51
6.79% Government of India (07/10/2034) - Debt 4.08
7.1% Government of India (18/04/2029) - Debt 3.80
7.40 % National Bank For Agriculture and Rural Development (29/04/2030) - Debt 3.75
8.1167% Bajaj Finance Limited (10/05/2027) - Debt 3.71
7.35% Export Import Bank of India (27/07/2028) - Debt 2.99
7.68% National Bank For Agriculture and Rural Development (30/04/2029) - Debt 2.64
7.25% National Bank For Agriculture and Rural Development (01/08/2025) - Debt 1.46
HDFC Bank Limited (04/02/2026) - Debt 5.24
Indian Bank (19/01/2026) - Debt 3.50
Indian Bank (04/02/2026) - Debt 3.49
Export Import Bank of India (20/03/2026) - Debt 3.47
Kotak Mahindra Prime Limited (27/03/2026) - Debt 6.90
Bharti Telecom Limited (17/10/2025) - Debt 4.26
364 Days Tbill (MD 15/01/2026) - Debt 0.18
Corporate Debt Market Development Fund - Debt 0.18
REPO Debt 7.36
TREPS Debt 0.31
Net Receivables / (Payables) - - 0.25
Risk Ratios
Standard Deviation
-
Beta
-
Sharpe Ratio
-
Lock In Period
-
Residual Maturity
3.6
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
  • Fund manager(s) : Mr. Mithraem Bharucha (15 years),
  • Expense ration regular : -
  • Expense ration direct : -
  • Launch date : -
  • Benchmark : -
  • Min SIP amount : -
  • Max SIP amount : -
  • Min investment amount (one time- first time) : ₹-
  • Type : debt
Exit load
NIL

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