Bank of India S/T Income Direct Growth

Fund Overview

Fund Size

₹291 Cr

Expense Ratio

0.45%

ISIN

INF761K01736

Minimum SIP

₹1,000

Exit Load

No Charges

Inception Date

01 Jan 2013

About this fund

Bank of India S/T Income Direct Growth is a Short Duration mutual fund schemes offered by BOI Mutual Fund. This fund has been in existence for 13 years and 22 days, having been launched on 01-Jan-13.
As of 22-Jan-26, it has a Net Asset Value (NAV) of ₹29.97, Assets Under Management (AUM) of 290.76 Crores, and an expense ratio of 0.45%.

Bank of India S/T Income Direct Growth has given a CAGR return of 6.90% since inception.
The fund's asset allocation comprises around 0.00% in equities, 57.58% in debts, and 42.26% in cash & cash equivalents.
You can start investing in Bank of India S/T Income Direct 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

+7.15%

+7.01% (Cat Avg.)

3 Years

+7.75%

+7.34% (Cat Avg.)

5 Years

+10.62%

+6.21% (Cat Avg.)

10 Years

+6.14%

+6.36% (Cat Avg.)

Since Inception

+6.90%

— (Cat Avg.)

Portfolio Summaryas of 31st December 2025

Debt	₹167.42 Cr	57.58%
Others	₹123.34 Cr	42.42%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
6.48% Govt Stock 2035	Bond - Gov't/Treasury	₹26.47 Cr	9.10%
LIC Housing Finance Ltd	Bond - Corporate Bond	₹19.97 Cr	6.87%
6.33% Govt Stock 2035	Bond - Gov't/Treasury	₹18.29 Cr	6.29%
Union Bank Of India	Cash - CD/Time Deposit	₹15.04 Cr	5.17%
Bank Of Baroda	Cash - CD/Time Deposit	₹14.13 Cr	4.86%
Rec Limited	Bond - Corporate Bond	₹11.13 Cr	3.83%
Muthoot Finance Limited	Bond - Corporate Bond	₹10.2 Cr	3.51%
Indian Railway Finance Corporation Limited	Bond - Corporate Bond	₹10.14 Cr	3.49%
Small Industries Development Bank Of India	Bond - Corporate Bond	₹10.14 Cr	3.49%
Godrej Industries Limited	Bond - Corporate Bond	₹10.12 Cr	3.48%
360 One Prime Limited	Bond - Corporate Bond	₹10.02 Cr	3.45%
Canara Bank (13/03/2026)	Cash - CD/Time Deposit	₹9.89 Cr	3.40%
HDFC Bank Ltd	Cash - CD/Time Deposit	₹9.4 Cr	3.23%
Net Receivables / (Payables)	Cash	₹7.33 Cr	2.52%
Power Finance Corporation Limited	Bond - Corporate Bond	₹6.11 Cr	2.10%
National Bank For Agriculture & Rural Development**	Cash - CD/Time Deposit	₹5.93 Cr	2.04%
Motilal Oswal Financial Services Limited	Cash - Commercial Paper	₹5.46 Cr	1.88%
Treps	Cash - Repurchase Agreement	₹5.37 Cr	1.85%
7.1% Govt Stock 2029	Bond - Gov't/Treasury	₹5.16 Cr	1.77%
Repo	Cash - Repurchase Agreement	₹5.07 Cr	1.74%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹5.07 Cr	1.74%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹5.07 Cr	1.74%
Bajaj Finance Limited	Bond - Corporate Bond	₹5.06 Cr	1.74%
Vedanta Limited	Bond - Corporate Bond	₹5.05 Cr	1.74%
Muthoot Finance Limited	Bond - Corporate Bond	₹5.03 Cr	1.73%
Tbill	Bond - Gov't/Treasury	₹4.95 Cr	1.70%
Punjab National Bank (18/03/2026)	Cash - CD/Time Deposit	₹4.94 Cr	1.70%
Export-Import Bank Of India	Cash - CD/Time Deposit	₹4.94 Cr	1.70%
Indian Bank	Cash - CD/Time Deposit	₹4.87 Cr	1.67%
06.98 PN Sdl 2033	Bond - Gov't/Treasury	₹4.85 Cr	1.67%
HDFC Bank Limited	Cash - CD/Time Deposit	₹4.81 Cr	1.66%
Au Small Finance Bank Limited (18/09/2026) ** #	Cash - CD/Time Deposit	₹4.77 Cr	1.64%
Manappuram Finance Limited	Cash - Commercial Paper	₹3.73 Cr	1.28%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹3.57 Cr	1.23%
Manappuram Finance Limited	Bond - Corporate Bond	₹3.02 Cr	1.04%
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹3.01 Cr	1.04%
Treasury Bills	Bond - Gov't/Treasury	₹2 Cr	0.69%
Corporate Debt Market Development Fund #	Mutual Fund - Open End	₹0.45 Cr	0.16%
364 DTB 15012026	Bond - Gov't/Treasury	₹0.25 Cr	0.09%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Instruments	Amount	Holdings
Bond - Corporate Bond	₹122.68 Cr	42.19%
Cash - CD/Time Deposit	₹78.71 Cr	27.07%
Bond - Gov't/Treasury	₹61.96 Cr	21.31%
Cash - Repurchase Agreement	₹10.44 Cr	3.59%
Cash - Commercial Paper	₹9.2 Cr	3.16%
Cash	₹7.33 Cr	2.52%
Mutual Fund - Open End	₹0.45 Cr	0.16%
Bond - Gov't Agency Debt	₹0 Cr	-

Risk & Performance Ratios

Fund Managers

Mithraem Bharucha

Since August 2021

Additional Scheme Detailsas of 31st December 2025

ISIN

INF761K01736

Expense Ratio

0.45%

Exit Load

No Charges

Fund Size

₹291 Cr

Age

13 years

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:

Dividend Taxation:

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%	₹345.11 Cr	-
Union Short Duration Fund Regular Growth Low Risk	0.7%	0.0%	₹345.11 Cr	-
HSBC Short Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹4441.96 Cr	7.5%
Groww Short Duration Fund Direct Growth Moderate Risk	0.3%	0.0%	₹130.00 Cr	7.6%
Groww Short Duration Fund Regular Growth Moderate Risk	1.0%	0.0%	₹130.00 Cr	6.8%
Invesco India Short Term Fund Direct Growth Moderate Risk	0.3%	0.0%	₹1121.31 Cr	7.6%
ICICI Prudential Short Term Fund Direct Growth Moderate Risk	0.5%	0.0%	₹23472.80 Cr	8.2%
Sundaram Short Duration Fund Direct Growth Moderate Risk	0.3%	0.0%	₹189.66 Cr	7.5%
Bandhan Bond Fund - Short Term Plan Direct Growth Moderate Risk	0.3%	0.0%	₹10381.96 Cr	7.5%
Nippon India Short Term Fund Direct Growth Low to Moderate Risk	0.4%	0.0%	₹9723.46 Cr	7.9%
Kotak Bond Fund Short Term Plan Direct Growth Low to Moderate Risk	0.4%	0.0%	₹18022.01 Cr	7.5%
LIC MF Short Duration Fund Direct Growth Low to Moderate Risk	0.4%	0.0%	₹264.03 Cr	7.5%
LIC MF Short Duration Fund Regular Growth Low to Moderate Risk	1.3%	0.0%	₹264.03 Cr	6.5%
Canara Robeco Short Duration Fund Regular Growth Low to Moderate Risk	1.0%	0.0%	₹434.55 Cr	6.4%
SBI Short Term Debt Fund Regular Growth Low to Moderate Risk	0.9%	0.0%	₹17515.84 Cr	7.2%
Bank of India S/T Income Regular Growth Low to Moderate Risk	1.0%	0.0%	₹290.76 Cr	6.6%
Baroda BNP Paribas Short Duration Fund Regular Growth Moderate Risk	1.1%	0.0%	₹284.07 Cr	6.9%
JM Short Duration Fund Direct Growth Moderate Risk	0.4%	0.0%	₹86.50 Cr	7.4%
JM Short Duration Fund Regular Growth Moderate Risk	1.1%	0.0%	₹86.50 Cr	6.6%
Invesco India Short Term Fund Regular Growth Moderate Risk	1.1%	0.0%	₹1121.31 Cr	6.9%
Axis Short Term Fund Direct Growth Low to Moderate Risk	0.4%	0.0%	₹12707.93 Cr	8.0%
UTI Short Term Income Fund Direct Growth Low to Moderate Risk	0.4%	0.0%	₹3181.38 Cr	7.3%
HDFC Short Term Debt Fund Direct Growth Low to Moderate Risk	0.4%	0.0%	₹18078.88 Cr	7.6%
Aditya Birla Sun Life Short Term Fund Direct Growth Low to Moderate Risk	0.4%	0.0%	₹10574.78 Cr	7.8%
Bank of India S/T Income Direct Growth Low to Moderate Risk	0.5%	0.0%	₹290.76 Cr	7.2%
Baroda BNP Paribas Short Duration Fund Direct Growth Moderate Risk	0.4%	0.0%	₹284.07 Cr	7.5%
SBI Short Term Debt Fund Direct Growth Low to Moderate Risk	0.4%	0.0%	₹17515.84 Cr	7.7%
Tata Short Term Bond Fund Direct Growth Moderate Risk	0.3%	0.0%	₹3369.17 Cr	7.1%
Canara Robeco Short Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹434.55 Cr	7.0%
DSP Short Term Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹3905.96 Cr	7.3%
PGIM India Short Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹27.94 Cr	6.7%
HSBC Short Duration Fund Regular Growth Low to Moderate Risk	0.7%	0.0%	₹4441.96 Cr	7.1%
UTI Short Term Income Fund Regular Growth Low to Moderate Risk	0.8%	0.0%	₹3181.38 Cr	6.8%
TrustMF Short Term Fund Regular Growth Moderate Risk	0.7%	0.0%	₹102.43 Cr	7.0%
TrustMF Short Term Fund Direct Growth Moderate Risk	0.2%	0.0%	₹102.43 Cr	7.6%
Aditya Birla Sun Life Short Term Fund Regular Growth Low to Moderate Risk	1.0%	0.0%	₹10574.78 Cr	7.1%
Kotak Bond Fund Short Term Plan Regular Growth Low to Moderate Risk	1.1%	0.0%	₹18022.01 Cr	6.7%
Sundaram Short Duration Fund Regular Growth Moderate Risk	0.9%	0.0%	₹189.66 Cr	6.9%
DSP Short Term Fund Regular Growth Low to Moderate Risk	1.0%	0.0%	₹3905.96 Cr	6.6%
PGIM India Short Duration Fund Regular Growth Low to Moderate Risk	0.9%	0.0%	₹27.94 Cr	6.1%
HDFC Short Term Debt Fund Regular Growth Low to Moderate Risk	0.7%	0.0%	₹18078.88 Cr	7.3%
Nippon India Short Term Fund Regular Growth Low to Moderate Risk	0.9%	0.0%	₹9723.46 Cr	7.3%
Mahindra Manulife Short Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹97.84 Cr	7.6%
Mahindra Manulife Short Duration Fund Regular Growth Low to Moderate Risk	1.3%	0.0%	₹97.84 Cr	6.6%
ICICI Prudential Short Term Fund Regular Growth Moderate Risk	1.1%	0.0%	₹23472.80 Cr	7.5%
Mirae Asset Short Term Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹588.90 Cr	7.7%
Bandhan Bond Fund - Short Term Plan Regular Growth Moderate Risk	0.8%	0.0%	₹10381.96 Cr	7.0%
Tata Short Term Bond Fund Regular Growth Moderate Risk	1.2%	0.0%	₹3369.17 Cr	6.2%
Mirae Asset Short Term Fund Regular Growth Low to Moderate Risk	1.1%	0.0%	₹588.90 Cr	6.8%
Axis Short Term Fund Regular Growth Low to Moderate Risk	0.9%	0.0%	₹12707.93 Cr	7.5%

About the AMC

BOI Mutual Fund

+91 22 40479000

https://www.boimf.in/

Total AUM

₹13,878 Cr

Address

B/204, Tower 1, Peninsula Corporate Park, Mumbai, 400 013

Other Funds by BOI Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Bank of India Banking and Financial Services Fund Direct Growth Very High Risk	-	1.0%	-	-
Bank of India Mid Cap Fund Direct Growth Very High Risk	1.1%	1.0%	₹683.84 Cr	-
Bank of India Money Market Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹368.88 Cr	-
Bank of India Consumption Fund Direct Growth Very High Risk	1.1%	1.0%	₹415.19 Cr	8.1%
Bank of India Business Cycle Fund Direct Growth Very High Risk	1.0%	1.0%	₹503.00 Cr	-3.1%
Bank of India Multi Asset Allocation Fund Direct Growth Very High Risk	0.9%	1.0%	₹344.16 Cr	15.4%
Bank of India Midcap Tax Fund Series 1 Direct Growth Very High Risk	-	0.0%	₹62.46 Cr	3.8%
Bank of India Midcap Tax Fund Series 2 Direct Growth Very High Risk	-	0.0%	₹32.49 Cr	4.2%
Bank of India Mid & Small Cap Equity & Debt Direct Growth Very High Risk	0.7%	1.0%	₹1349.38 Cr	4.4%
Bank of India Conservative Hybrid Fund Direct Growth Moderate Risk	1.2%	1.0%	₹65.30 Cr	5.3%
Bank of India Balanced Advantage Fund Direct Growth Very High Risk	1.0%	1.0%	₹146.37 Cr	10.6%
Bank of India Multi Cap Fund Direct Growth Very High Risk	0.8%	1.0%	₹1013.29 Cr	9.9%
Bank of India Bluechip Fund Direct Growth Very High Risk	0.7%	1.0%	₹209.59 Cr	12.7%
Bank of India Flexi Cap Fund Direct Growth Very High Risk	0.5%	1.0%	₹2243.99 Cr	6.3%
Bank of India Large & Mid Cap Equity Fund Direct Growth Very High Risk	0.8%	1.0%	₹456.41 Cr	9.2%
Bank of India Liquid Direct Growth Low to Moderate Risk	0.1%	0.0%	₹1107.10 Cr	6.5%
Bank of India S/T Income Direct Growth Low to Moderate Risk	0.5%	0.0%	₹290.76 Cr	7.2%
Bank of India Manufacturing and Infrastructure fund Direct Growth Very High Risk	0.6%	1.0%	₹673.53 Cr	9.7%
Bank of India Tax Advantage Fund Direct Growth Very High Risk	0.8%	0.0%	₹1401.86 Cr	2.5%
Bank of India Ultra Short Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹158.66 Cr	6.8%
Bank of India Credit Risk Fund Direct Growth Moderately High risk	1.0%	4.0%	₹106.96 Cr	12.0%
Bank of India Small Cap Fund Direct Growth Very High Risk	0.5%	1.0%	₹1938.92 Cr	-3.7%
Bank of India Overnight Fund Direct Growth Low Risk	0.1%	0.0%	₹81.41 Cr	5.8%
Bank of India Arbitrage Fund Direct Growth Low Risk	0.4%	0.0%	₹42.86 Cr	6.3%

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What is the current NAV of Bank of India S/T Income Direct Growth?

The NAV of Bank of India S/T Income Direct Growth, as of 22-Jan-2026, is ₹29.97.

What are the returns of Bank of India S/T Income Direct Growth?

The fund has generated 7.15% over the last 1 year and 7.75% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.

What is the portfolio composition of Bank of India S/T Income Direct Growth?

The fund's allocation of assets is distributed as 0.00% in equities, 57.58% in bonds, and 42.26% in cash and cash equivalents.

Who manages the Bank of India S/T Income Direct Growth?

The fund managers responsible for Bank of India S/T Income Direct Growth are:-

Mithraem Bharucha

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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Bank of India S/T Income Direct Growth

Fund Overview