Bank of India Ultra Short Term Fund · Regular · Growth
NAV
₹3396.3291
as of 28 Sept 2026
Expense Ratio
1.02%
AUM
₹148 Cr
Lumpsum returns (CAGR)
- 1Y
- +6.00%
- 3Y
- +5.47%
- 5Y
- +5.81%
- Since Inception
- +6.95%
SIP returns (XIRR)
- 1Y
- +6.07%
- 3Y
- +5.93%
- 5Y
- +5.98%
- Since Inception
- +6.65%
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 ₹8,05,112 today — ₹6,00,000 invested, 5.8% XIRR.
₹6,00,000
Invested
₹8,05,112
Value today
5.8%
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 ₹1,79,670 today (6.0% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹9,91,592.
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 ₹1,41,873 today (1.42×).
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, annualised0.03
Sharpe Ratio
—
Alpha
—
Beta
0.03
Sortino
0.43%
Std Dev
-0.07%
Max Drawdown
Performance Comparison
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Bajaj Finance Limited (02/09/2026)8.68%
- 26.27% Power Finance Corporation Limited (15/07/2027)7.52%
- 3Kotak Mahindra Bank Limited (21/12/2026) #7.45%
- 47.59% Rec Limited (31/05/2027) **6.52%
- 5Indian Bank (04/12/2026) #6.40%
- 6National Bank For Agriculture And Rural Development (17/03/2027) #5.75%
- 7Bank Of Baroda (11/12/2026) ** #5.33%
- 8Small Industries Dev Bank Of India (05/02/2027) ** #5.27%
- 9Axis Bank Limited (12/02/2027) ** #5.27%
- 10Lic Housing Finance Limited (23/02/2027) **5.25%
What this fund does
Bank of India Ultra Short Term Fund · Regular · Growth by Bank of India Mutual Fund is a Ultra 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 Ultra Short Term category.
About This Fund
Bank of India Ultra Short Term Fund · Regular · Growth is a Ultra Short Term 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 1.02%.