Bank of India Ultra Short Duration Fund Direct Growth
DebtUltra Short DurationLow to Moderate Risk
Direct
NAV (26-Dec-25)
Returns (Since Inception)
Fund Overview
Fund Size
₹166 Cr
Expense Ratio
0.34%
ISIN
INF761K01892
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
01 Jan 2013
About this fund
As of 26-Dec-25, it has a Net Asset Value (NAV) of ₹3368.84, Assets Under Management (AUM) of 165.90 Crores, and an expense ratio of 0.34%.
- Bank of India Ultra Short Duration Fund Direct Growth has given a CAGR return of 7.30% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 34.03% in debts, and 65.68% in cash & cash equivalents.
- You can start investing in Bank of India Ultra Short Duration Fund 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
+7.03%
+6.68% (Cat Avg.)
3 Years
+6.96%
+6.82% (Cat Avg.)
5 Years
+5.75%
+5.73% (Cat Avg.)
10 Years
+6.71%
+5.58% (Cat Avg.)
Since Inception
+7.30%
— (Cat Avg.)
Portfolio Summaryas of 15th December 2025
| Debt | ₹56.46 Cr | 34.03% |
| Others | ₹109.44 Cr | 65.97% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Repo | Cash - Repurchase Agreement | ₹27.17 Cr | 16.41% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹18.84 Cr | 11.38% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹15.06 Cr | 9.09% |
| T-Bill | Bond - Gov't/Treasury | ₹14.64 Cr | 8.84% |
| Manappuram Finance Limited | Bond - Corporate Bond | ₹14.09 Cr | 8.51% |
| Net Receivables / (Payables) | Cash | ₹-12.77 Cr | 7.71% |
| Rec Limited | Bond - Corporate Bond | ₹12.56 Cr | 7.58% |
| 360 One Prime Limited | Bond - Corporate Bond | ₹10.02 Cr | 6.05% |
| Export-Import Bank Of India | Cash - CD/Time Deposit | ₹9.87 Cr | 5.96% |
| Bank Of Baroda | Cash - CD/Time Deposit | ₹9.71 Cr | 5.87% |
| Indian Bank | Cash - CD/Time Deposit | ₹9.71 Cr | 5.86% |
| Au Small Finance Bank Limited (18/09/2026) ** # | Cash - CD/Time Deposit | ₹9.5 Cr | 5.74% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹7.93 Cr | 4.79% |
| Icici Securities Limited (Earlier Icici Brokerage Services Limited) | Cash - Commercial Paper | ₹6.88 Cr | 4.16% |
| Bank of Baroda | Bond - Corporate Bond | ₹4.94 Cr | 2.99% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹4.35 Cr | 2.63% |
| 364 DTB 15012026 | Bond - Gov't/Treasury | ₹1.99 Cr | 1.20% |
| Treps | Cash - Repurchase Agreement | ₹0.58 Cr | 0.35% |
| Corporate Debt Market Development Fund # | Mutual Fund - Open End | ₹0.48 Cr | 0.29% |
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Cash - CD/Time Deposit | ₹69.92 Cr | 42.23% |
| Bond - Corporate Bond | ₹56.66 Cr | 34.22% |
| Cash - Repurchase Agreement | ₹27.75 Cr | 16.76% |
| Bond - Gov't/Treasury | ₹16.63 Cr | 10.05% |
| Cash | ₹-12.77 Cr | 7.71% |
| Cash - Commercial Paper | ₹6.88 Cr | 4.16% |
| Mutual Fund - Open End | ₹0.48 Cr | 0.29% |
Risk & Performance Ratios
Standard Deviation
This fund
0.25%
Cat. avg.
0.44%
Lower the better
Sharpe Ratio
This fund
1.00
Cat. avg.
0.79
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
9.09
Higher the better
Fund Managers
Mithraem Bharucha
Since August 2021
Additional Scheme Detailsas of 15th December 2025
ISIN INF761K01892 | Expense Ratio 0.34% | Exit Load No Charges | Fund Size ₹166 Cr | Age 12 years 11 months | Lumpsum Minimum ₹5,000 | Fund Status Open Ended Investment Company | Benchmark CRISIL Ultra Short Duration Fund 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 Ultra Short Duration Funds
About the AMC
BOI Mutual Fund
Total AUM
₹14,018 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
Take control of your wealth
Related Articles
Still got questions?
We're here to help.
What is the current NAV of Bank of India Ultra Short Duration Fund Direct Growth?
What are the returns of Bank of India Ultra Short Duration Fund Direct Growth?
What is the portfolio composition of Bank of India Ultra Short Duration Fund Direct Growth?
Who manages the Bank of India Ultra Short Duration Fund Direct Growth?
- Mithraem Bharucha
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Identify potential risks in your portfolio and learn to fix them
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Bank of India Ultra Short Duration Fund Direct Growth
DebtUltra Short DurationLow to Moderate Risk
Direct
NAV (26-Dec-25)
Returns (Since Inception)
Fund Overview
Fund Size
₹166 Cr
Expense Ratio
0.34%
ISIN
INF761K01892
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
01 Jan 2013
Risk Level
Your principal amount will be at Low to Moderate Risk
About this fund
As of 26-Dec-25, it has a Net Asset Value (NAV) of ₹3368.84, Assets Under Management (AUM) of 165.90 Crores, and an expense ratio of 0.34%.
- Bank of India Ultra Short Duration Fund Direct Growth has given a CAGR return of 7.30% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 34.03% in debts, and 65.68% in cash & cash equivalents.
- You can start investing in Bank of India Ultra Short Duration Fund 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
+7.03%
+6.68% (Cat Avg.)
3 Years
+6.96%
+6.82% (Cat Avg.)
5 Years
+5.75%
+5.73% (Cat Avg.)
10 Years
+6.71%
+5.58% (Cat Avg.)
Since Inception
+7.30%
— (Cat Avg.)
Portfolio Summaryas of 15th December 2025
| Debt | ₹56.46 Cr | 34.03% |
| Others | ₹109.44 Cr | 65.97% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type | Amount | Holdings |
|---|---|---|---|
| Repo | Cash - Repurchase Agreement | ₹27.17 Cr | 16.41% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹18.84 Cr | 11.38% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹15.06 Cr | 9.09% |
| T-Bill | Bond - Gov't/Treasury | ₹14.64 Cr | 8.84% |
| Manappuram Finance Limited | Bond - Corporate Bond | ₹14.09 Cr | 8.51% |
| Net Receivables / (Payables) | Cash | ₹-12.77 Cr | 7.71% |
| Rec Limited | Bond - Corporate Bond | ₹12.56 Cr | 7.58% |
| 360 One Prime Limited | Bond - Corporate Bond | ₹10.02 Cr | 6.05% |
| Export-Import Bank Of India | Cash - CD/Time Deposit | ₹9.87 Cr | 5.96% |
| Bank Of Baroda | Cash - CD/Time Deposit | ₹9.71 Cr | 5.87% |
| Indian Bank | Cash - CD/Time Deposit | ₹9.71 Cr | 5.86% |
| Au Small Finance Bank Limited (18/09/2026) ** # | Cash - CD/Time Deposit | ₹9.5 Cr | 5.74% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹7.93 Cr | 4.79% |
| Icici Securities Limited (Earlier Icici Brokerage Services Limited) | Cash - Commercial Paper | ₹6.88 Cr | 4.16% |
| Bank of Baroda | Bond - Corporate Bond | ₹4.94 Cr | 2.99% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹4.35 Cr | 2.63% |
| 364 DTB 15012026 | Bond - Gov't/Treasury | ₹1.99 Cr | 1.20% |
| Treps | Cash - Repurchase Agreement | ₹0.58 Cr | 0.35% |
| Corporate Debt Market Development Fund # | Mutual Fund - Open End | ₹0.48 Cr | 0.29% |
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Cash - CD/Time Deposit | ₹69.92 Cr | 42.23% |
| Bond - Corporate Bond | ₹56.66 Cr | 34.22% |
| Cash - Repurchase Agreement | ₹27.75 Cr | 16.76% |
| Bond - Gov't/Treasury | ₹16.63 Cr | 10.05% |
| Cash | ₹-12.77 Cr | 7.71% |
| Cash - Commercial Paper | ₹6.88 Cr | 4.16% |
| Mutual Fund - Open End | ₹0.48 Cr | 0.29% |
Risk & Performance Ratios
Standard Deviation
This fund
0.25%
Cat. avg.
0.44%
Lower the better
Sharpe Ratio
This fund
1.00
Cat. avg.
0.79
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
9.09
Higher the better
Fund Managers
Mithraem Bharucha
Since August 2021
Additional Scheme Detailsas of 15th December 2025
ISIN INF761K01892 | Expense Ratio 0.34% | Exit Load No Charges | Fund Size ₹166 Cr | Age 12 years 11 months | Lumpsum Minimum ₹5,000 | Fund Status Open Ended Investment Company | Benchmark CRISIL Ultra Short Duration Fund 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 Ultra Short Duration Funds
About the AMC
BOI Mutual Fund
Total AUM
₹14,018 Cr
Address
B/204, Tower 1, Peninsula Corporate Park, Mumbai, 400 013
Other Funds by BOI Mutual Fund
Related Articles
Still got questions?
We're here to help.
What is the current NAV of Bank of India Ultra Short Duration Fund Direct Growth?
What are the returns of Bank of India Ultra Short Duration Fund Direct Growth?
What is the portfolio composition of Bank of India Ultra Short Duration Fund Direct Growth?
Who manages the Bank of India Ultra Short Duration Fund Direct Growth?
- Mithraem Bharucha
Track & Analyse all your investments in one place
Compare your portfolio's performance with benchmarks
Identify potential risks in your portfolio and learn to fix them
Track all your family's investments in one place
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