Bank of India Ultra Short Duration Fund · Regular · Growth
NAV
₹3365.0301
as of 31 Jul 2026
Expense Ratio
0.90%
AUM
₹148 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.82%
- 3Y
- +6.37%
- 5Y
- +5.72%
- Since Inception
- +6.96%
SIP returns (XIRR)
- 1Y
- +6.05%
- 3Y
- +5.98%
- 5Y
- +5.96%
- Since Inception
- +6.66%
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 ₹7,96,684 today — ₹5,95,000 invested, 5.8% XIRR.
₹5,95,000
Invested
₹7,96,684
Value today
5.8%
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 ₹1,82,450 today (6.2% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹10,27,812.
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 ₹1,40,566 today (1.41×).
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, annualised0.36
Sharpe Ratio
—
Alpha
—
Beta
0.50
Sortino
0.43%
Std Dev
-0.07%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Bank Of Baroda (25/01/2027) #9.11%
- 2Indian Bank (04/12/2026) ** #7.89%
- 39.10% Manappuram Finance Limited (19/08/2026) **7.45%
- 4National Bank For Agriculture And Rural Development (17/03/2027) #7.09%
- 5Au Small Finance Bank Limited (18/09/2026) ** #6.67%
- 6Axis Bank Limited (16/10/2026) ** #6.63%
- 7Hdfc Bank Limited (19/11/2026) ** #6.59%
- 8Punjab National Bank (04/02/2027) #6.50%
- 9Small Industries Dev Bank Of India (05/02/2027) ** #6.49%
- 10Aditya Birla Housing Finance Limited (09/03/2027) **6.45%
Investment Objective
Bank of India Ultra Short Duration Fund · Regular · Growth by Bank of India Mutual Fund is a Ultra 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 Ultra Short Duration category.
About This Fund
Bank of India Ultra Short Duration Fund · Regular · Growth is a Ultra Short Duration mutual fund offered by Bank of India Mutual Fund. The fund has been operational for over 18 years. It manages assets worth ₹148 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY Ultra Short Duration Debt Index. The current expense ratio is 0.90%.
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