Bank of India Short Term Income Fund · Regular · Growth
NAV
₹28.0425
as of 16 Jun 2026
Expense Ratio
—
see scheme documents
AUM
₹284 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.78%
- 3Y
- +6.98%
- 5Y
- +10.16%
- Since Inception
- +5.95%
SIP returns (XIRR)
- 1Y
- +4.95%
- 3Y
- +6.82%
- 5Y
- +8.54%
- Since Inception
- +6.23%
SIP since inception — what ₹500/month became
Real NAV backtest from day one
₹1,05,000
Invested
₹1,86,231
Value today
6.2%
XIRR (p.a.)
₹500/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹1,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹1,000
Invested
₹2,739
Value today
5.9%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹10,50,000
Withdrawn
₹8,76,567
Corpus left
+₹9,26,567 net gain — withdrew ₹10,50,000 AND corpus grew
Plan your SWP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,58,793
Value today
1.6×
Multiple
Staying invested through that crash turned ₹1L into ₹1,58,793 — a 1.6× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised-0.04
Sharpe Ratio
—
Alpha
—
Beta
-0.04
Sortino
1.06%
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 ₹284 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