Stocks
Invest in Stocks
Invest in stocks, ETFs, IPOs with fast orders. Track returns on your stock holdings and view real-time P&L on your positions.
F&O
Mutual Funds
Invest in Mutual Funds
Invest in direct mutual funds at zero charges via lump sump investments or SIPs
Bank of India Short Term Income Fund Direct Growth
Debt
Short Duration
Moderate Risk
+7.74%
3Y annualised
-0.07% 1D
NAV: 19 Jan '26
₹29.93
Min. SIP amount
₹1,000
Fund size
₹290.76 Cr
Expense ratio
0.52%
Return calculator
Monthly SIP
One time
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹61,767 | +2.94% | |
| 3 years | ₹1,80,000 | ₹2,02,321 | +12.40% | |
| 5 years | ₹3,00,000 | ₹3,83,825 | +27.94% | |
| 10 years | ₹6,00,000 | ₹8,61,823 | +43.64% |
Holdings (34)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOI | Sovereign | GOI Sec | 9.10% |
| LIC Housing Finance Ltd. | Financial | NCD | 6.87% |
| GOI | Sovereign | GOI Sec | 6.29% |
| Union Bank of India | Financial | CD | 5.17% |
| Bank Of Baroda | Financial | CD | 4.86% |
| REC Ltd. | Financial | Debenture | 3.83% |
| Muthoot Finance Ltd. | Financial | NCD | 3.51% |
| Small Industries Devp. Bank of India Ltd. | Financial | Bonds | 3.49% |
| Indian Railway Finance Corporation Ltd. | Financial | NCD | 3.49% |
| Godrej Industries Ltd. | Consumer Staples | NCD | 3.48% |
| 360 ONE Wealth Ltd. | Financial | NCD | 3.45% |
| Canara Bank | Financial | CD | 3.40% |
| HDFC Bank Ltd. | Financial | CD | 3.23% |
| Power Finance Corporation Ltd. | Financial | NCD | 2.10% |
| National Bank For Agriculture & Rural Development | Financial | CD | 2.04% |
| Motilal Oswal Financial Services Ltd. | Financial | CP | 1.88% |
| GOI | Sovereign | GOI Sec | 1.77% |
| Vedanta Ltd. | Metals & Mining | Debenture | 1.74% |
| National Bank For Agriculture & Rural Development | Financial | Bonds | 1.74% |
| Bajaj Finance Ltd. | Financial | NCD | 1.74% |
| Muthoot Finance Ltd. | Financial | Debenture | 1.73% |
| Punjab National Bank | Financial | CD | 1.70% |
| Export-Import Bank Of India | Financial | CD | 1.70% |
| Reserve Bank of India | Financial | T-Bills | 1.70% |
| Indian Bank | Financial | CD | 1.67% |
| Punjab State | Others | SDL | 1.67% |
| HDFC Bank Ltd. | Financial | CD | 1.66% |
| AU Small Finance Bank Ltd. | Financial | CD | 1.64% |
| Manappuram Finance Ltd. | Financial | CP | 1.28% |
| National Bank For Agriculture & Rural Development | Financial | Debenture | 1.23% |
| Manappuram Finance Ltd. | Financial | NCD | 1.04% |
| National Bank For Agriculture & Rural Development | Financial | Debenture | 1.04% |
| Reserve Bank of India | Financial | T-Bills | 0.69% |
| Reserve Bank of India | Financial | T-Bills | 0.09% |
See All
Minimum investments
Min. for 1st investment
₹5,000
Min. for 2nd investment
₹1,000
Min. for SIP
₹1,000
Returns and rankings
Annualised returns
Absolute returns
| Name | 3Y | 5Y | 10Y | All |
|---|---|---|---|---|
| Fund returns | +7.7% | +10.6% | +6.1% | +6.9% |
| Category average (Debt Short Duration) | +7.1% | +5.9% | +6.6% | -- |
| Rank (Debt Short Duration) | 13 | 1 | 17 | -- |
Exit load, stamp duty and tax
Exit load
Nil
Stamp duty on investment: 0.005% (from July 1st, 2020)
from July 1st 2020
Tax implication
Returns are taxed as per your Income Tax slab.
Check past data
Compare similar funds
| Name | 1Y | 3Y | Fund Size(Cr) | |
|---|---|---|---|---|
ICICI Prudential Short Term Fund Direct Plan Growth | +8.17% | +8.23% | 20,935.22 | |
Axis Short Duration Fund Direct Growth | +8.18% | +8.02% | 12,707.93 | |
Aditya Birla Sun Life Short Term Direct Fund Direct Growth | +7.88% | +8.02% | 10,574.78 | |
Nippon India Short Duration Fund Direct Growth | +7.97% | +8.01% | 9,723.46 | |
HDFC Short Term Debt Fund Direct Plan Growth | +7.73% | +7.91% | 18,078.88 | |
| Compare | ||||
Fund management
MBMithraem BharuchaAug 2021 - PresentView details
MB
Mithraem Bharucha
Aug 2021 - Present
View details
About Bank of India Short Term Income Fund Direct Growth
Bank of India Short Term Income Fund Direct Growth is a Debt Mutual Fund Scheme launched by Bank of India Mutual Fund. This scheme was made available to investors on 31 Mar 2008. Mithraem Bharucha is the Current Fund Manager of Bank of India Short Term Income Fund Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹13,696 Cr and the Latest NAV as of 19 Jan 2026 is ₹29.93.
The Bank of India Short Term Income Fund Direct Growth is rated Moderate risk. Minimum SIP Investment is set to ₹1,000. Minimum Lumpsum Investment is ₹5,000.
;
Investment Objective
The scheme seeks to generate reasonable returns by investing in debt and money market instruments. The scheme would not be investing more than 70% into securities having average maturity of more than 370 days.
Fund benchmarkCRISIL Short Duration Debt A-II Index
Fund house
Rank (total assets)#31 in India
Total AUM₹13,696.42 Cr
Date of Incorporation31 Mar 2008
Launch Date31 Mar 2008
AddressB/204-Tower 1, Peninsula Corporate Park, Ganpatrao Kadam Marg,Lower Parel, Mumbai 400013
Websitewww.karvymfs.com
AddressKarvy House, No. 46, 8-2-609/K, Avenue 4, Street No.1 Banjara Hills,