Sharpe ratio
0.09Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+4.72%1Y Absolute Return
-0.08%1D
Loading NAV history…
Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| BANK OF INDIA Short Term Income Fund-Direct Plan- GrowthFund 5Y annualised return | ₹9,56,457 | ₹7,32,612 | ₹2,23,845 | +10.87% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age13.9 yrs
Fund information
Scheme code119382
ISININF761K01736
BenchmarkCRISIL Short Duration Debt A-II Index
CategoryDebt Scheme - Short Duration Fund
Expense ratio0.54%
Exit loadNil
Minimum SIP₹1,000 SIP
Return comparison
19th / 172 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +8.55% | — | — |
| 3M | +2.28% | — | — |
| 6M | +6.41% | — | — |
| 1Y | +4.72% | — | +2.20% |
| 3Y | +7.58% | — | +4.12% |
| 5Y | +10.87% | — | +3.81% |
| 10Y | +5.67% | — | — |
| Since Launch | +6.81% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.14Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
1.22%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.34How well the fund rewarded investors relative to its biggest decline.
Low
Returns have been modest compared to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt95.58%
Cash4.42%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 31 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| LIC HOUSING FINANCE LTD TR 456 6.90 NCD 17SP27 FVRS1LAC | Financial | Non Convertible Debenture | 7.34% |
| BANK OF BARODA CD 07DEC26 | Financial | Certificate of Deposit | 7.18% |
| L&T FINANCE LIMITED 364D CP 19MAR27 | Financial | Commercial Paper | 7.03% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 5.57% |
| PUNJAB NATIONAL BANK CD 04FEB27 | Financial | Certificate of Deposit | 5.33% |
| CANARA BANK CD 12MAR27 | Financial | Certificate of Deposit | 5.29% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CD 11JUN27 | Financial | Certificate of Deposit | 5.19% |
| TORRENT PHARMACEUTICALS LTD SR 2 7.60 NCD 19JN29 FVRS1LAC | Healthcare | Non Convertible Debenture | 4.42% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 181 7.37 BD 31JL29 FVRS1LAC | Financial | Non Convertible Debenture | 3.73% |
| GODREJ INDUSTRIES LIMITED SR II 8.40 NCD 27AG27 FVRS1LAC | Diversified | Non Convertible Debenture | 3.72% |
Fund management
MI
Mithraem Bharucha
Since 2021 · 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.
Mr. Bharucha is a BMS and MBA
Compare similar funds
No comparable category funds are available yet.
Summary
A low to moderate-risk debt scheme - short duration fund. Same fund manager for 5+ years — the strategy has not chopped and changed. Has fallen sharply before — down -19.8% at its worst.
Strengths
- Same fund manager for 5+ years — the strategy has not chopped and changed.
- Ranks 19 of 172 in its category over 1 year.
Weaknesses
- Has fallen sharply before — down -19.8% at its worst.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its low to moderate risk level.
Risk drivers
- Financial makes up 71% — trouble in that sector hits the whole fund.