Bank of India S/T Income Regular Growth
DebtShort DurationLow to Moderate Risk
Regular
NAV (18-Jun-25)
Returns (Since Inception)
Fund Overview
Fund Size
₹137 Cr
Expense Ratio
1.00%
ISIN
INF761K01579
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
18 Dec 2008
About this fund
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹26.79, Assets Under Management (AUM) of 137.21 Crores, and an expense ratio of 1%.
- Bank of India S/T Income Regular Growth has given a CAGR return of 6.16% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 63.57% in debts, and 36.25% in cash & cash equivalents.
- You can start investing in Bank of India S/T Income Regular Growth with a SIP of ₹1000 or a Lumpsum investment of ₹5000.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+10.29%
+9.49% (Cat Avg.)
3 Years
+9.92%
+7.84% (Cat Avg.)
5 Years
+10.20%
+6.67% (Cat Avg.)
10 Years
+5.80%
+6.51% (Cat Avg.)
Since Inception
+6.16%
— (Cat Avg.)
Portfolio Summaryas of 31st May 2025
| Debt | ₹87.22 Cr | 63.57% |
| Others | ₹49.99 Cr | 36.43% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Rec Limited | Bond - Corporate Bond | ₹11.31 Cr | 8.25% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹10.29 Cr | 7.50% |
| Indian Railway Finance Corporation Limited | Bond - Corporate Bond | ₹10.28 Cr | 7.50% |
| Repo | Cash - Repurchase Agreement | ₹10.09 Cr | 7.36% |
| 6.33% Gsec Mat - 05/05/2035 | Bond - Gov't/Treasury | ₹10.08 Cr | 7.35% |
| Tata Capital Housing Finance Limited | Bond - Corporate Bond | ₹10.04 Cr | 7.32% |
| Kotak Mahindra Prime Ltd. | Cash - Commercial Paper | ₹9.47 Cr | 6.90% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹7.19 Cr | 5.24% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹6.19 Cr | 4.51% |
| Bharti Telecom Limited | Cash - Commercial Paper | ₹5.84 Cr | 4.26% |
| 6.79% Govt Stock 2034 | Bond - Gov't/Treasury | ₹5.6 Cr | 4.08% |
| 7.1% Govt Stock 2029 | Bond - Gov't/Treasury | ₹5.22 Cr | 3.80% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹5.15 Cr | 3.75% |
| Bajaj Finance Limited | Bond - Corporate Bond | ₹5.09 Cr | 3.71% |
| Indian Bank | Cash - CD/Time Deposit | ₹4.8 Cr | 3.50% |
| Indian Bank | Cash - CD/Time Deposit | ₹4.79 Cr | 3.49% |
| Export Import Bank Of India (20/03/2026) | Cash - CD/Time Deposit | ₹4.76 Cr | 3.47% |
| Export Import Bank Of India | Bond - Corporate Bond | ₹4.1 Cr | 2.99% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹3.62 Cr | 2.64% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹2 Cr | 1.46% |
| Treps | Cash - Repurchase Agreement | ₹0.42 Cr | 0.31% |
| Net Receivables / (Payables) | Cash | ₹0.37 Cr | 0.27% |
| Corporate Debt Market Development Fund | Mutual Fund - Open End | ₹0.25 Cr | 0.18% |
| 364 DTB 15012026 | Bond - Gov't/Treasury | ₹0.24 Cr | 0.18% |
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Bond - Corporate Bond | ₹68.07 Cr | 49.61% |
| Cash - CD/Time Deposit | ₹21.54 Cr | 15.70% |
| Bond - Gov't/Treasury | ₹21.15 Cr | 15.41% |
| Cash - Commercial Paper | ₹15.31 Cr | 11.16% |
| Cash - Repurchase Agreement | ₹10.51 Cr | 7.66% |
| Cash | ₹0.37 Cr | 0.27% |
| Mutual Fund - Open End | ₹0.25 Cr | 0.18% |
| Bond - Gov't Agency Debt | ₹0 Cr | - |
Risk & Performance Ratios
Standard Deviation
This fund
4.42%
Cat. avg.
1.43%
Lower the better
Sharpe Ratio
This fund
0.68
Cat. avg.
0.82
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
2.29
Higher the better
Fund Managers
Mithraem Bharucha
Since August 2021
Additional Scheme Detailsas of 31st May 2025
ISIN | INF761K01579 | Expense Ratio | 1.00% | Exit Load | No Charges | Fund Size | ₹137 Cr | Age | 16 years 6 months | Lumpsum Minimum | ₹5,000 | Fund Status | Open Ended Investment Company | Benchmark | CRISIL Short Term Bond TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
- For investments made on or after 1 April 2023: The entire capital gain is added to the investor's income and is taxed based on the applicable income tax slab.
- For investments made before 1 April 2023:
- If sold within 2 years of investment: The capital gains are added to the investor's income and taxed according to the applicable tax slab.
- If sold after 2 years of investment: The capital gains are taxed at a flat rate of 12.5%.
- Holding the units: No tax is applicable as long as you hold the units.
Dividend Taxation:
Dividends are considered part of the investor’s income and are taxed according to their applicable tax slab. Additionally, if an investor’s dividend income exceeds INR 5,000 in a financial year, a 10% Tax Deducted at Source (TDS) is withheld by the fund house before distributing the dividend.
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Short Duration Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Union Short Duration Fund Direct Growth Low Risk | 0.3% | 0.0% | ₹721.97 Cr | - |
| Union Short Duration Fund Regular Growth Low Risk | 0.7% | 0.0% | ₹721.97 Cr | - |
| HSBC Short Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹3928.37 Cr | 9.9% |
| Groww Short Duration Fund Direct Growth Moderate Risk | 0.4% | 0.0% | ₹71.52 Cr | 9.9% |
| Groww Short Duration Fund Regular Growth Moderate Risk | 1.1% | 0.0% | ₹71.52 Cr | 8.7% |
| Invesco India Short Term Fund Direct Growth Moderate Risk | 0.3% | 0.0% | ₹1051.40 Cr | 9.8% |
| ICICI Prudential Short Term Fund Direct Growth Moderate Risk | 0.5% | 0.0% | ₹21283.50 Cr | 9.7% |
| Sundaram Short Duration Fund Direct Growth Moderate Risk | 0.3% | 0.0% | ₹214.18 Cr | 9.9% |
| Bandhan Bond Fund - Short Term Plan Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹10116.37 Cr | 10.0% |
| Nippon India Short Term Fund Direct Growth Low to Moderate Risk | 0.4% | 0.0% | ₹7057.73 Cr | 10.3% |
About the AMC
Total AUM
₹10,605 Cr
Address
B/204, Tower 1, Peninsula Corporate Park, Mumbai, 400 013
Other Funds by BOI Mutual Fund
Risk Level
Your principal amount will be at Low to Moderate Risk
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- Mithraem Bharucha
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