BANK OF INDIA Short Term Income Fund-Regular Plan- Growth
₹27.7713
₹0.02 (+0.07%)
NAV as of 29 May 2026
Today's NAV — all variants
Regular · Growth
₹₹27.7713
₹0.02 (+0.07%)
29 May 2026
AMFI: 111585
Direct · Growth
₹₹30.3471
₹0.02 (+0.07%)
29 May 2026
AMFI: 119382
Regular · IDCW
₹₹14.2509
₹0.01 (+0.07%)
29 May 2026
AMFI: 111589
Direct · IDCW
₹₹13.9902
₹0.01 (+0.07%)
29 May 2026
AMFI: 119384
Returns (Lumpsum)
CAGR for periods ≥ 1 yearSIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹500/month became
Real NAV backtest from day one
₹1,04,500
Invested
₹1,84,372
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
₹2,719
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
₹10,45,000
Withdrawn
₹8,75,170
Corpus left
+₹9,20,170 net gain — withdrew ₹10,45,000 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
₹1,57,635
Value today
1.6×
Multiple
Staying invested through that crash turned ₹1L into ₹1,57,635 — a 1.6× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 10 years
Expense ratio drag on your actual returns
Direct plan
₹86,668
Regular plan
₹84,289
Direct earns ₹2,379 more on a ₹60K investment — 0.40% extra return per year
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised-0.63
Sharpe Ratio
—
Alpha
—
Beta
-0.67
Sortino
1.01%
Std Dev
-0.60%
Max Drawdown
Portfolio Holdings
Top 30 holdings · as of Mar 2026
| Security | % NAV |
|---|---|
6.48% Government of India (06/10/2035) IN0020250091 | 11.91% |
6.90% LIC Housing Finance Limited (17/09/2027) INE115A07RH4 | 7.13% |
6.33% Government of India (05/05/2035) IN0020250026 | 6.45% |
7.22% Small Industries Dev Bank of India (10/04/2029) INE556F08LC0 | 5.35% |
7.6% Torrent Pharmaceuticals Limited (19/01/2029) ** INE685A07157 | 4.28% |
7.34% REC Limited (30/04/2030) INE020B08FL9 | 3.93% |
8.9% Muthoot Finance Limited (07/10/2027) ** INE414G07JI3 | 3.64% |
8.40% Godrej Industries Limited (27/08/2027) ** INE233A08113 | 3.61% |
7.37% Indian Railway Finance Corporation Limited (31/07/2029) ** INE053F08411 | 3.59% |
7.49% Small Industries Dev Bank of India (11/06/2029) INE556F08KX8 | 3.59% |
7.6% Power Finance Corporation Limited (13/04/2029) ** INE134E08MX3 | 2.16% |
7.1% Government of India (18/04/2029) IN0020220011 | 1.83% |
9.45% Vedanta Limited (05/06/2028) ** INE205A08053 | 1.81% |
8.1167% Bajaj Finance Limited (10/05/2027) ** INE296A07SX7 | 1.81% |
8.05% Muthoot Finance Limited (25/11/2027) ** INE414G07JQ6 | 1.80% |
7.64% Power Finance Corporation Limited (25/08/2026) ** INE134E08MT1 | 1.80% |
7.48% National Bank For Agriculture and Rural Development (15/09/2028) INE261F08EO7 | 1.80% |
7.40 % National Bank For Agriculture and Rural Development (29/04/2030) ** INE261F08EL3 | 1.78% |
6.98% State Government Securities (29/09/2033) IN2820210093 | 1.73% |
7.68% National Bank For Agriculture and Rural Development (30/04/2029) INE261F08EG3 | 1.26% |
9.10% Manappuram Finance Limited (19/08/2026) ** INE522D07CH7 | 1.08% |
| Security | % NAV |
|---|---|
Export Import Bank of India (11/06/2026) ** # INE514E16CM3 | 5.32% |
Aditya Birla Housing Finance Limited (23/02/2027) ** INE831R14FX8 | 3.37% |
Indian Bank (05/06/2026) ** # INE562A16PZ4 | 1.78% |
HDFC Bank Limited (24/06/2026) # INE040A16HB9 | 1.77% |
AU Small Finance Bank Limited (18/09/2026) ** # INE949L16DT9 | 1.74% |
Bank of Baroda (11/03/2027) ** # INE028A16LW2 | 1.68% |
Godrej Housing Finance Limited (19/03/2027) ** INE02JD14807 | 1.68% |
364 Days Tbill (MD 07/01/2027) IN002025Z401 | 0.66% |
Corporate Debt Market Development Fund # INF0RQ622028 | 0.28% |
Performance Comparison
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Our experts will help you decide if this fund fits your goals.
Investment Objective
BANK OF INDIA Short Term Income Fund-Regular Plan- 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 Plan- 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