Bank of India Short Term Income Fund · Regular · Growth
NAV
₹28.3848
as of 29 Sept 2026
Expense Ratio
—
see scheme documents
AUM
₹270 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.61%
- 3Y
- +7.00%
- 5Y
- +10.27%
- Since Inception
- +5.92%
SIP returns (XIRR)
- 1Y
- +4.64%
- 3Y
- +6.33%
- 5Y
- +7.90%
- Since Inception
- +6.18%
What history actually did — last 10 years (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,37,674 today — ₹6,00,000 invested, 6.5% XIRR.
₹6,00,000
Invested
₹8,37,674
Value today
6.5%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,65,102 today (5.1% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹8,13,344.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹1,61,117 today (1.61×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-0.68
Sharpe Ratio
—
Alpha
—
Beta
-0.71
Sortino
1.09%
Std Dev
-0.60%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 17.6% Power Finance Corporation Limited (13/04/2029) **8.06%
- 26.94% Government Of India (11/05/2036)7.94%
- 36.90% Lic Housing Finance Limited (17/09/2027) **7.63%
- 4L&T Finance Limited (19/03/2027) **7.39%
- 56.48% Government Of India (06/10/2035)5.74%
- 6Canara Bank (12/03/2027) ** #5.57%
- 7Small Industries Dev Bank Of India (11/06/2027) ** #5.46%
- 87.6% Torrent Pharmaceuticals Limited (19/01/2029) **4.58%
- 98.9% Muthoot Finance Limited (07/10/2027) **3.86%
- 108.40% Godrej Industries Limited (27/08/2027) **3.85%
What this fund does
Bank of India Short Term Income Fund · Regular · Growth by Bank of India Mutual Fund is a Short Term fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Short Term category.
About This Fund
Bank of India Short Term Income Fund · Regular · Growth is a Short Term mutual fund offered by Bank of India Mutual Fund. The fund has been operational for over 17 years. It manages assets worth ₹270 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY Short Duration Debt Index.