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Bank Of India Short Term Income Fund Regular-idcw Monthly
Debt
Low to Moderate Risk
Latest AUM
₹ 270.7 Cr.
NAV as on 03 aug, 2026
₹ 14.52
+20.58%
3 years annulised
This Fund
Fund Details
Fund Names
Bank Of India Short Term Income Fund Regular-idcw Monthly
Inception Date
18 Dec 2008
Lock In
No Lock-in
Risk
Principal at low to moderate risk
Category Average Annual Returns
8.01
Portfolio Composition Analysis
Debt
95.58%
Cash
4.42%
Portfolio Updated on: 07 Jul, 2026
Sector Allocations
Debt
Financial
Entities
Diversified
Materials
Healthcare
Technology
Portfolio Updated on: 03 aug, 2026
Top 10 Holdings
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 | Entities | GOI Securities | 15.04% |
| GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 | Entities | GOI Securities | 12.68% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 11.91% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 12.18% |
| GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 | Entities | GOI Securities | 13.25% |
| GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 | Entities | GOI Securities | 13.25% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 10.92% |
| GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 | Entities | GOI Securities | 10.94% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 9.10% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 8.81% |
Debt & Credit Risk Analysis
| Sharpe Ratio | 0.76% |
| Standard Deviation | 1.58% |
| Sortino Ratio | 1.50% |
Returns Analysis
| Tenure | Absolute | Annualised | Category Average |
|---|---|---|---|
| 3 Months | 2.17% | NA | 0.85% |
| 6 Months | 2.86% | NA | 4.31% |
| 9 Months | 3.57% | NA | 6.10% |
| 1 Year | 4.93% | 4.93% | 8.01% |
| 2 Years | 15.30% | 7.38% | 7.68% |
| 3 Years | 23.05% | 7.16% | 7.18% |
| 5 Years | 63.11% | 10.28% | 6.01% |
| 7 Years | 55.71% | 6.53% | NA |
| 10 Years | 67.60% | 5.30% | 6.71% |
Bank Of India Short Term Income Fund Regular-idcw Monthly is one Debt mutual fund offered by Bank of India Mutual Fund. Launched on 18 Dec 2008, the fund aims Regular income over short to medium term. Investment in Debt/Money markets instruments/Govt. Securities such that the Macaulay Duration of the portfolio is between 1 year - 3 years. It manages assets worth ₹270.7 crore as on Tue Jun 30, 2026. The expense ratio stands at 1.19%.
Mithraem Bharucha has experience Prior to joining Bank of India Mutual Fund, he has worked with YES Asset Management (India) Limited and BNP Paribas Asset Management India Pvt. Ltd.
Top Performing Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| Bank Of India Short Term Income Fund Direct-growth | 270.7 | +0.30% | +2.34% | +3.18% | +5.55% | +7.76% | +10.81% |
| Bank Of India Short Term Income Fund Direct-idcw Monthly | 270.7 | +0.30% | +2.34% | +3.18% | +5.55% | +7.76% | +10.81% |
| Bank Of India Short Term Income Fund Direct-idcw Quarterly | 270.7 | +0.30% | +2.34% | +3.18% | +5.55% | +7.76% | +10.81% |
| Bank Of India Short Term Income Fund Regular-growth | 270.7 | +0.24% | +2.17% | +2.86% | +4.93% | +7.16% | +10.28% |
| Bank Of India Short Term Income Fund Regular-idcw Quarterly | 270.7 | +0.24% | +2.17% | +2.86% | +4.93% | +7.16% | +10.28% |
| Sundaram Short Duration Fund Direct-growth | 184.1 | +0.31% | +2.12% | +3.15% | +5.62% | +7.54% | +8.04% |
| Sundaram Short Duration Fund Direct-idcw Monthly | 184.1 | +0.31% | +2.12% | +3.15% | +5.62% | +7.54% | +8.04% |
| UTI Short Duration Direct-flexi Idcw | 2,128.4 | +0.30% | +2.31% | +3.30% | +5.56% | +7.53% | +7.64% |
| UTI Short Duration Direct-growth | 2,128.4 | +0.30% | +2.31% | +3.30% | +5.56% | +7.53% | +7.64% |
growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns
More Funds from Bank of India Mutual Fund
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| Bank Of India Short Term Income Fund Regular-growth | 270.7 | +0.24% | +2.17% | +2.86% | +4.93% | +7.16% | +10.28% |
| Bank Of India Short Term Income Fund Direct-growth | 270.7 | +0.30% | +2.34% | +3.18% | +5.55% | +7.76% | +10.81% |
| Bank Of India Short Term Income Fund Direct-idcw Monthly | 270.7 | +0.30% | +2.34% | +3.18% | +5.55% | +7.76% | +10.81% |
| Bank Of India Short Term Income Fund Regular-idcw Quarterly | 270.7 | +0.24% | +2.17% | +2.86% | +4.93% | +7.16% | +10.28% |
| Bank Of India Short Term Income Fund Direct-idcw Quarterly | 270.7 | +0.30% | +2.34% | +3.18% | +5.55% | +7.76% | +10.81% |
growth is based on 1-month returns of the funds
Top Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| ICICI Prudential Short Term Fund Direct Plan-growth | 19,174.7 | +0.18% | +2.40% | +3.58% | +6.36% | +8.01% | +7.27% |
| ICICI Prudential Short Term Fund-growth | 19,174.7 | +0.13% | +2.24% | +3.27% | +5.72% | +7.37% | +6.58% |
| ICICI Prudential Short Term Fund-idcw Monthly | 19,174.7 | +0.13% | +2.24% | +3.27% | +5.72% | +7.37% | +6.58% |
| ICICI Prudential Short Term Fund Direct Plan-idcw Monthly | 19,174.7 | +0.18% | +2.40% | +3.58% | +6.36% | +8.01% | +7.27% |
| HDFC Short Term Debt Fund Direct Plan-growth | 15,008.3 | +0.20% | +2.36% | +3.37% | +5.81% | +7.72% | +6.72% |
| HDFC Short Term Debt Fund-growth | 15,008.3 | +0.17% | +2.28% | +3.21% | +5.48% | +7.40% | +6.33% |
| HDFC Short Term Debt Fund-idcw | 15,008.3 | +0.17% | +2.28% | +3.21% | +5.48% | +7.40% | +6.33% |
| HDFC Short Term Debt Fund Direct Plan-idcw | 15,008.3 | +0.20% | +2.36% | +3.37% | +5.81% | +7.72% | +6.72% |
| HDFC Short Term Debt Fund Direct Plan-idcw Fortnightly | 15,008.3 | +0.20% | +2.36% | +3.37% | +5.81% | +7.72% | +6.72% |
| HDFC Short Term Debt Fund-idcw Fortnightly | 15,008.3 | +0.17% | +2.28% | +3.21% | +5.48% | +7.40% | +6.33% |
Top funds are based on Fund AUM
Top Debt Funds
| Fund name | ||||
|---|---|---|---|---|
| Bank Of India Short Term Income Fund Direct-growth | ₹30.97 | +7.76% | +10.81% | — |
| Bank Of India Short Term Income Fund Direct-idcw Monthly | ₹15.05 | +7.76% | +10.81% | — |
| Bank Of India Short Term Income Fund Direct-idcw Quarterly | ₹14.28 | +7.76% | +10.81% | — |
| Bank Of India Short Term Income Fund Regular-growth | ₹28.30 | +7.16% | +10.28% | — |
| Bank Of India Short Term Income Fund Regular-idcw Quarterly | ₹14.31 | +7.16% | +10.28% | — |
| Sundaram Short Duration Fund Direct-growth | ₹51.09 | +7.54% | +8.04% | — |
| Sundaram Short Duration Fund Direct-idcw Monthly | ₹13.14 | +7.54% | +8.04% | — |
| Uti Short Duration Direct-flexi Idcw | ₹19.87 | +7.53% | +7.64% | — |
| Uti Short Duration Direct-growth | ₹35.98 | +7.53% | +7.64% | — |
growth is based on 5Y returns of the funds
Historical NAV
| Date | NAV |
|---|---|
| 03 Aug 2026 | ₹14.52 |
| 31 Jul 2026 | ₹14.51 |
| 30 Jul 2026 | ₹14.51 |
| 29 Jul 2026 | ₹14.51 |
| 28 Jul 2026 | ₹14.51 |
| 27 Jul 2026 | ₹14.51 |
| 24 Jul 2026 | ₹14.49 |
| 23 Jul 2026 | ₹14.48 |
| 22 Jul 2026 | ₹14.49 |
| 21 Jul 2026 | ₹14.49 |
| 20 Jul 2026 | ₹14.48 |
| 17 Jul 2026 | ₹14.48 |
| 16 Jul 2026 | ₹14.48 |
| 15 Jul 2026 | ₹14.47 |
| 14 Jul 2026 | ₹14.47 |
| 13 Jul 2026 | ₹14.48 |
| 10 Jul 2026 | ₹14.48 |
| 09 Jul 2026 | ₹14.47 |
| 08 Jul 2026 | ₹14.47 |
| 07 Jul 2026 | ₹14.49 |
| 06 Jul 2026 | ₹14.49 |
| 03 Jul 2026 | ₹14.49 |
| 02 Jul 2026 | ₹14.49 |
| 01 Jul 2026 | ₹14.47 |
| 30 Jun 2026 | ₹14.47 |
| 29 Jun 2026 | ₹14.46 |
| 25 Jun 2026 | ₹14.44 |
| 24 Jun 2026 | ₹14.42 |
| 23 Jun 2026 | ₹14.41 |
| 22 Jun 2026 | ₹14.40 |
Portfolio Updated on: 04 Aug, 2026
Fund Growth & Size Analysis
+₹270.7 Cr
Since Launch
This Fund
Category Average
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Bank Of India Short Term Income Fund Regular-idcw Monthly Returns Comparison
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Bank Of India Short Term Income Fund Regular-idcw Monthly FAQ'S
- Sharpe Ratio: 0.76%
- Standard Deviation: 1.58%
- Sortino Ratio: 1.50%
Additional important ratios:
As of Tue Jun 30, 2026, the total assets managed under Bank Of India Short Term Income Fund Regular-idcw Monthly stand at approximately ₹ 270.7 crore.
The Bank Of India Short Term Income Fund Regular-idcw Monthly has delivered the following short-term performance:
- 3 Months Return: 2.17%
- 6 Months Return: 2.86%
The historical growth of the Bank Of India Short Term Income Fund Regular-idcw Monthly is reflected through its CAGR returns:
- 3 Year CAGR: 7.16%
- 5 Year CAGR: 10.28%
- Return Since Launch: 6.08%
The portfolio of Bank Of India Short Term Income Fund Regular-idcw Monthly is distributed across different asset classes as follows:
- Debt Instruments: 95.58%
- Other Assets: 4.42%
The Bank Of India Short Term Income Fund Regular-idcw Monthly is managed by Mithraem Bharucha, representing Bank of India Mutual Fund.
Top stock holdings of Bank Of India Short Term Income Fund Regular-idcw Monthly include:
- GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 – represents 15.04% of the portfolio
- GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 – represents 12.68% of the portfolio
- GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 – represents 11.91% of the portfolio
- GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 – represents 12.18% of the portfolio
- GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 – represents 13.25% of the portfolio
- GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 – represents 13.25% of the portfolio
- GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 – represents 10.92% of the portfolio
- GOVERNMENT OF INDIA 35943 GOI 05MY35 6.33 FV RS 100 – represents 10.94% of the portfolio
- GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 – represents 9.10% of the portfolio
- GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 – represents 8.81% of the portfolio
Major sector exposures in Bank Of India Short Term Income Fund Regular-idcw Monthly are:
- Financial – accounts for 829.59% of the portfolio
- Entities – accounts for 210.25% of the portfolio
- Diversified – accounts for 49.57% of the portfolio
- Materials – accounts for 36.55% of the portfolio
- Healthcare – accounts for 26.21% of the portfolio
