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Bank of India Short Term Income Direct Growth

Bank of India Short Term Income Direct Growth

NAV ₹29.84 as on 17 Nov 2025

RiskModerately Low

Fund Size₹245.86Cr

NAV	₹29.84 as on 17 Nov 2025
Risk	Moderately Low
Fund Size	₹245.86Cr

Investment Details

Lock-in

No Lock-in

Min One Time Amount

₹5,000

Min Withdrawal Amount

₹-

Min SIP Amount

₹1,000

Min Additional Amount

₹1,000

Exit Load

Nil

Basic Details

Age

12 years 10 months (Since Jan 03, 2013)

Return since Launch

6.96%

Expense ratio

0.52%

Type

OPEN

AUM (Fund Size)

₹245.86

Risk Grade

Moderately Low

Benchmark

CRISIL Short Duration Debt A-II Index

Calculate Your Returns

Select Duration

Choose Amount

₹

Returns

Total investment of ₹2,40,000

Would have become ₹61,949 (+209.74%)

Fund Manager

Name:

Mithraem Bharucha

Experience:

Over 13 years of experience in Fixed Income market domain, Investment strategy development, Trade idea generation, Trade execution, Cash Management, Fixed Income portfolio monitoring, Cash flow verification. BOI AXA Investment Managers Private Limited (August 17, 2021 - present) YES Asset Management (India) Limited (October 2017 to August 10, 2021) BNP Paribas Asset Management India Pvt. Ltd. (March 2007 to October 2017)

Asset Allocation

Currently, data not available

See All

GSEC2035 15.04%

LIC Housing Fin. 8.15%

Muthoot Finance 6.18%

Bank of Baroda 6.01%

Reverse Repo 5.80%

REC Ltd 4.57%

I R F C 4.15%

S I D B I 4.15%

Godrej Industrie 4.14%

Power Fin.Corpn. 4.13%

360 One Prime 4.08%

N A B A R D 3.53%

N A B A R D 2.39%

Motil.Oswal.Fin. 2.19%

GSEC2029 2.10%

Bajaj Finance 2.07%

Manappuram Fin. 2.06%

Net CA & Others 2.06%

Vedanta 2.04%

GSEC2033 6.98 2.01%

Canara Bank 2.00%

Punjab Natl.Bank 1.99%

E X I M Bank 1.99%

HDFC Bank 1.94%

AU Small Finance 1.92%

TREPS 1.86%

Union Bank (I) 1.17%

CDMDF 0.18%

TBILL-364D 0.10%

See All

Scheme Holding Summary

Debt Others

80.75%

Govt. Securities

19.15%

T Bills

0.10%

See All

Govt. Securities

Debt Others

LIC Housing Finance Ltd

8.15%

Muthoot Finance Ltd

6.18%

Bank of Baroda

6.01%

REC Ltd

4.57%

Indian Railway Finance Corporation Ltd

4.15%

Small Industries Development Bank of India Ltd

4.15%

Godrej Industries Ltd

4.14%

Power Finance Corporation Ltd

4.13%

360 One Prime Ltd

4.08%

National Bank for Agriculture & Rural Development

3.53%

National Bank for Agriculture & Rural Development

2.39%

Motilal Oswal Financial Services Ltd

2.19%

Bajaj Finance Ltd

2.07%

Manappuram Finance Ltd

2.06%

Vedanta Ltd

2.04%

Canara Bank

2.00%

Punjab National Bank

1.99%

Export-Import Bank of India

1.99%

HDFC Bank Ltd

1.94%

AU Small Finance Bank Ltd

1.92%

Union Bank of India

1.17%

T Bills

See All

Riskometer

Level of risk in the scheme

Moderate

High

Low

Very
High

Your investment will be at Moderately Low Risk

Fund house & investment objective

BANK OF INDIA MUTUAL FUND

Rank (total assets)	#30 in India
Total AUM	₹13,428.50Cr

Date of Incorporation	13 Aug 2007

Bank of India Short Term Income Direct Growth is a Debt Mutual Fund Scheme launched by Bank of India Mutual Fund. This scheme was made available to investors on 03 Jan 2013. The fund currently has an Asset Under Management(AUM) of ₹13,428.50 Cr and the Latest NAV as of 17 Nov 2025 is ₹29.84.
The Bank of India Short Term Income Direct Growth is rated Moderately Low. Minimum SIP Investment is set to ₹1,000 . Minimum Lumpsum Investment is ₹5,000. Exit load of Nil.

Returns and Rankings

Category: Debt Short Duration Fund

Annualised returns

Absolute returns

	1Y	3Y	5Y	All
Fund returns	8.09%	2.59%	2.04%	0.56%
Category average	8.18%	2.48%	1.21%	-
Rank within category	20	13	1	-

FAQ’s

What kind of returns does Bank of India Short Term Income Direct Growth provide?

Bank of India Short Term Income Direct Growth has given a return of 7.97% in the past 3 years.

What is the expense ratio charged by Bank of India Short Term Income Direct Growth?

The Expense Ratio charged by Bank of India Short Term Income Direct Growth is 0.52%.

What is the AUM size of Bank of India Short Term Income Direct Growth?

The AUM size of Bank of India Short Term Income Direct Growth is ₹245.86Cr.

What is the minimum SIP amount that you can invest in Bank of India Short Term Income Direct Growth?

₹1,000 is the minimum SIP amount that you can invest in Bank of India Short Term Income Direct Growth .

What are the top stock holdings of Bank of India Short Term Income Direct Growth?

The top stock holdings of Bank of India Short Term Income Direct Growth include

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Get started with us today and
start building your wealth journey

*By clicking, I agree to the T&C and Whatsapp updates.

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Bank of India Short Term Income Direct Growth

Open FREE
3-in-1 Account

Start SIPs at just
₹100

Debt Others

Govt. Securities

T Bills

Govt. Securities

Debt Others

T Bills

Category: Debt Short Duration Fund

FAQ’s

What kind of returns does Bank of India Short Term Income Direct Growth provide?

What is the expense ratio charged by Bank of India Short Term Income Direct Growth?

What is the AUM size of Bank of India Short Term Income Direct Growth?

What is the minimum SIP amount that you can invest in Bank of India Short Term Income Direct Growth?

What are the top stock holdings of Bank of India Short Term Income Direct Growth?

Bank of India Short Term Income Direct Growth

Open FREE 3-in-1 Account

Start SIPs at just ₹100

Debt Others

Govt. Securities

T Bills

Govt. Securities

Debt Others

T Bills

Category: Debt Short Duration Fund

FAQ’s

What kind of returns does Bank of India Short Term Income Direct Growth provide?

What is the expense ratio charged by Bank of India Short Term Income Direct Growth?

What is the AUM size of Bank of India Short Term Income Direct Growth?

What is the minimum SIP amount that you can invest in Bank of India Short Term Income Direct Growth?

What are the top stock holdings of Bank of India Short Term Income Direct Growth?

Open FREE
3-in-1 Account

Start SIPs at just
₹100