Bank of India Ultra Short Duration Fund · Regular · Growth
NAV
₹3337.8941
as of 16 Jun 2026
Expense Ratio
0.90%
AUM
₹161 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.73%
- 3Y
- +6.35%
- 5Y
- +5.64%
- Since Inception
- +6.96%
SIP returns (XIRR)
- 1Y
- +5.87%
- 3Y
- +5.94%
- 5Y
- +5.91%
- Since Inception
- +6.66%
SIP since inception — what ₹500/month became
Real NAV backtest from day one
₹1,07,500
Invested
₹2,01,948
Value today
6.6%
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
₹3,329
Value today
7.0%
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
₹10,75,000
Withdrawn
₹13,10,017
Corpus left
+₹13,85,017 net gain — withdrew ₹10,75,000 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
₹1,39,189
Value today
1.4×
Multiple
Staying invested through that crash turned ₹1L into ₹1,39,189 — a 1.4× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised0.23
Sharpe Ratio
—
Alpha
—
Beta
0.33
Sortino
0.41%
Std Dev
-0.07%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1182 Days Tbill (Md 28/05/2026)9.72%
- 2Punjab National Bank (15/09/2026) #9.51%
- 3Hdfc Bank Limited (05/03/2027) ** #9.19%
- 47.64% Power Finance Corporation Limited (25/08/2026) **9.11%
- 59.10% Manappuram Finance Limited (19/08/2026) **7.16%
- 67.64% Rec Limited (30/06/2026) **6.51%
- 7Indian Bank (05/06/2026) #6.46%
- 8Au Small Finance Bank Limited (18/09/2026) ** #6.33%
- 9Bank Of Baroda (04/02/2027) ** #6.16%
- 10Small Industries Dev Bank Of India (05/02/2027) ** #6.16%
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 17 years. It manages assets worth ₹161 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