Bank of India Short Term Income Fund · Regular · Growth
NAV
₹28.2857
as of 31 Jul 2026
Expense Ratio
—
see scheme documents
AUM
₹270 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.93%
- 3Y
- +7.13%
- 5Y
- +10.28%
- Since Inception
- +5.96%
SIP returns (XIRR)
- 1Y
- +5.42%
- 3Y
- +6.84%
- 5Y
- +8.42%
- Since Inception
- +6.24%
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,33,070 today — ₹5,95,000 invested, 6.6% XIRR.
₹5,95,000
Invested
₹8,33,070
Value today
6.6%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,67,454 today (5.3% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹8,41,473.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹1,60,555 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-0.03
Sharpe Ratio
—
Alpha
—
Beta
-0.03
Sortino
1.07%
Std Dev
-0.60%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 16.48% Government Of India (06/10/2035)11.91%
- 26.90% Lic Housing Finance Limited (17/09/2027)7.13%
- 36.33% Government Of India (05/05/2035)6.45%
- 47.22% Small Industries Dev Bank Of India (10/04/2029)5.35%
- 5Export Import Bank Of India (11/06/2026) ** #5.32%
- 67.6% Torrent Pharmaceuticals Limited (19/01/2029) **4.28%
- 77.34% Rec Limited (30/04/2030)3.93%
- 88.9% Muthoot Finance Limited (07/10/2027) **3.64%
- 98.40% Godrej Industries Limited (27/08/2027) **3.61%
- 107.37% Indian Railway Finance Corporation Limited (31/07/2029) **3.59%
Investment Objective
Bank of India Short Term Income Fund · Regular · Growth by Bank of India Mutual Fund is a Short Duration 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 Duration category.
About This Fund
Bank of India Short Term Income Fund · Regular · Growth is a Short Duration 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.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations