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

Bank of India Ultra Short Duration Fund - Regular Plan - Growth

Debt Debt Short Duration
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)
3,158.99 0%
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 ₹1,001.10
0.11 %
Two Week 2025-06-05 ₹1,000.00 ₹1,002.45
0.25 %
One Month 2025-05-21 ₹1,000.00 ₹1,005.58
0.56 %
Three Months 2025-03-24 ₹3,000.00 ₹3,034.78
1.16 %
Six Months 2024-12-23 ₹6,000.00 ₹6,127.31
2.12 %
One Year 2024-06-20 ₹12,000.00 ₹12,471.31
3.93 %
Three Year 2022-06-21 ₹36,000.00 ₹39,915.52
10.88 %
Five Year 2020-06-22 ₹60,000.00 ₹69,888.33
16.48 %
Ten Year 2015-06-23 ₹120,000.00 ₹163,689.94
36.41 %
Since Inception 2008-07-16 ₹207,000.00 ₹379,949.13
83.55 %
Portfolio Summary
Company Name Sector Sector Type Nav(in %)
7.25% National Bank For Agriculture and Rural Development (01/08/2025) - Debt 4.48
7.13% Power Finance Corporation Limited (08/08/2025) - Debt 4.48
Axis Bank Limited (05/09/2025) - Debt 8.80
Punjab National Bank (05/12/2025) - Debt 8.66
Bank of Baroda (13/01/2026) - Debt 6.45
Canara Bank (20/01/2026) - Debt 6.45
Small Industries Dev Bank of India (05/05/2026) - Debt 6.33
HDFC Bank Limited (04/02/2026) - Debt 5.36
AU Small Finance Bank Limited (01/10/2025) - Debt 4.37
Indian Bank (04/02/2026) - Debt 4.29
Reliance Retail Ventures Limited (07/07/2025) - Debt 8.00
Bharti Telecom Limited (17/10/2025) - Debt 6.10
Kotak Mahindra Investments Limited (10/03/2026) - Debt 5.95
NTPC Limited (10/03/2026) - Debt 5.33
Kotak Mahindra Prime Limited (27/03/2026) - Debt 4.24
182 Days Tbill (MD 31/07/2025) - Debt 4.43
182 Days Tbill (MD 07/08/2025) - Debt 4.43
364 Days Tbill (MD 15/01/2026) - Debt 0.86
364 Days Tbill (MD 24/07/2025) - Debt 0.13
Corporate Debt Market Development Fund - Debt 0.21
TREPS Debt 0.38
Net Receivables / (Payables) - - 0.27
7.25% National Bank For Agriculture and Rural Development (01/08/2025) - Debt 4.48
7.13% Power Finance Corporation Limited (08/08/2025) - Debt 4.48
Axis Bank Limited (05/09/2025) - Debt 8.80
Punjab National Bank (05/12/2025) - Debt 8.66
Bank of Baroda (13/01/2026) - Debt 6.45
Canara Bank (20/01/2026) - Debt 6.45
Small Industries Dev Bank of India (05/05/2026) - Debt 6.33
HDFC Bank Limited (04/02/2026) - Debt 5.36
AU Small Finance Bank Limited (01/10/2025) - Debt 4.37
Indian Bank (04/02/2026) - Debt 4.29
Reliance Retail Ventures Limited (07/07/2025) - Debt 8.00
Bharti Telecom Limited (17/10/2025) - Debt 6.10
Kotak Mahindra Investments Limited (10/03/2026) - Debt 5.95
NTPC Limited (10/03/2026) - Debt 5.33
Kotak Mahindra Prime Limited (27/03/2026) - Debt 4.24
182 Days Tbill (MD 31/07/2025) - Debt 4.43
182 Days Tbill (MD 07/08/2025) - Debt 4.43
364 Days Tbill (MD 15/01/2026) - Debt 0.86
364 Days Tbill (MD 24/07/2025) - Debt 0.13
Corporate Debt Market Development Fund - Debt 0.21
TREPS Debt 0.38
Net Receivables / (Payables) - - 0.27
7.25% National Bank For Agriculture and Rural Development (01/08/2025) - Debt 4.48
7.13% Power Finance Corporation Limited (08/08/2025) - Debt 4.48
Axis Bank Limited (05/09/2025) - Debt 8.80
Punjab National Bank (05/12/2025) - Debt 8.66
Bank of Baroda (13/01/2026) - Debt 6.45
Canara Bank (20/01/2026) - Debt 6.45
Small Industries Dev Bank of India (05/05/2026) - Debt 6.33
HDFC Bank Limited (04/02/2026) - Debt 5.36
AU Small Finance Bank Limited (01/10/2025) - Debt 4.37
Indian Bank (04/02/2026) - Debt 4.29
Reliance Retail Ventures Limited (07/07/2025) - Debt 8.00
Bharti Telecom Limited (17/10/2025) - Debt 6.10
Kotak Mahindra Investments Limited (10/03/2026) - Debt 5.95
NTPC Limited (10/03/2026) - Debt 5.33
Kotak Mahindra Prime Limited (27/03/2026) - Debt 4.24
182 Days Tbill (MD 31/07/2025) - Debt 4.43
182 Days Tbill (MD 07/08/2025) - Debt 4.43
364 Days Tbill (MD 15/01/2026) - Debt 0.86
364 Days Tbill (MD 24/07/2025) - Debt 0.13
Corporate Debt Market Development Fund - Debt 0.21
TREPS Debt 0.38
Net Receivables / (Payables) - - 0.27
Risk Ratios
Standard Deviation
-
Beta
-
Sharpe Ratio
-
Lock In Period
-
Residual Maturity
0.40
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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