Bank of India Short Term Income Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Scheme Objective

To generate income and capital appreciation by investing in a diversified portfolio of debt and money market securities.

Scheme Details

Fund manager(s) – Mithraem Bharucha
Launch date – 03-Jan-2013
Expense ratio – 0.45% as declared on 31-Jul-2025 (category average is 0.36%)
Benchmark - CRISIL Short Duration Debt A-II Index

Min SIP amount - ₹
Min investment amount (one time- first time) - ₹
Min investment amount (addtional purchase) - ₹
Type : Open Ended Fund. You can invest any time in this fund.

Exit Load

Data not available.

Asset Monitor

Total AUM for this Scheme (Cr)

Category Total AUM (Cr)

% of Assets in Category

2025

223.46

0.00

0.00%

Jul - 2025	223.46	0.00%
Jun - 2025	164.77	0.00%
May - 2025	137.21	0.00%
Apr - 2025	125.80	0.00%
Mar - 2025	116.30	0.00%
Feb - 2025	109.07	0.00%
Jan - 2025	99.44	0.00%

2024

84.91

0.00

0.00%

Dec - 2024	84.91	0.00	0.00%
Nov - 2024	81.87	0.00	0.00%
Oct - 2024	71.70	0.00	0.00%
Sep - 2024	70.71	0.00	0.00%
Aug - 2024	71.55	0.00	0.00%
Jul - 2024	75.59	0.00	0.00%
Jun - 2024	75.64	0.00	0.00%
May - 2024	78.80	102638.90	0.08%
Apr - 2024	76.67	101779.66	0.08%
Mar - 2024	82.58	99021.82	0.08%
Feb - 2024	82.25	104752.29	0.08%
Jan - 2024	88.12	101611.55	0.09%

2023

89.66

101353.54

0.09%

Dec - 2023	89.66	101353.54	0.09%
Nov - 2023	92.36	100365.19	0.09%
Oct - 2023	93.93	99951.64	0.09%
Sep - 2023	93.44	98317.07	0.10%
Aug - 2023	95.53	97389.96	0.10%
Jul - 2023	75.99	99696.61	0.08%
Jun - 2023	76.05	99277.97	0.08%
May - 2023	79.66	99339.58	0.08%
Apr - 2023	82.71	94608.61	0.09%
Mar - 2023	79.04	90730.27	0.09%
Feb - 2023	72.26	91390.63	0.08%
Jan - 2023	76.65	91216.31	0.08%

2022

76.57

94245.27

0.08%

Dec - 2022	76.57	94245.27	0.08%
Nov - 2022	51.23	94638.79	0.05%
Oct - 2022	43.56	95989.89	0.05%
Sep - 2022	46.07	97598.80	0.05%
Aug - 2022	45.16	99057.60	0.05%
Jul - 2022	45.97	95605.52	0.05%
Jun - 2022	44.57	96741.54	0.05%
May - 2022	42.83	104149.77	0.04%
Apr - 2022	39.78	112153.99	0.04%
Mar - 2022	40.81	116456.43	0.04%
Feb - 2022	35.80	125187.43	0.03%
Jan - 2022	33.26	137129.84	0.02%

2021

32.67

139229.34

0.02%

Dec - 2021	32.67	139229.34	0.02%
Nov - 2021	29.84	140825.19	0.02%
Oct - 2021	28.95	140374.58	0.02%
Sep - 2021	28.55	142728.07	0.02%
Aug - 2021	29.25	141671.05	0.02%
Jul - 2021	29.77	141853.55	0.02%
Jun - 2021	29.84	143735.13	0.02%
May - 2021	31.28	145752.04	0.02%
Apr - 2021	25.34	145998.00	0.02%
Mar - 2021	25.62	144274.65	0.02%
Feb - 2021	27.08	152805.00	0.02%
Jan - 2021	28.57	163578.65	0.02%

2020

29.77

155961.82

0.02%

Dec - 2020	29.77	155961.82	0.02%
Nov - 2020	30.48	152019.52	0.02%
Oct - 2020	32.09	137941.94	0.02%
Sep - 2020	32.90	120923.85	0.03%
Aug - 2020	33.42	117039.60	0.03%
Jul - 2020	33.88	116342.75	0.03%
Jun - 2020	34.49	102363.96	0.03%
May - 2020	35.85	94506.88	0.04%
Apr - 2020	36.03	90633.53	0.04%
Mar - 2020	40.67	92510.06	0.04%
Feb - 2020	41.79	103796.51	0.04%
Jan - 2020	41.77	98400.14	0.04%

Tax Rate

Any profit will be clubbed with your income and taxed at your effective tax rate.

Contact Details

Bank of India Investment Managers Private Limited

B/204, Tower 1, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai 400013
Tel no.: 022-61249000
Fax no.: 022-61249001
Website.: www.boimf.in

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hunch
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16 days ago

JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss View more

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shravanashok
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31 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

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2 days ago

Maximise Your Portfolio with a High-Yield Secured Opportunity Electronica Finance Limited – 2029 Bonds are now listed on The Fixed Income. ✔️ Coupon: 13.00% p.a. ✔️ Rating: India Ratings A Stable ✔️ Tenor: 3 years 9 months (Maturity: Jun 28, 2029) ✔️ NBFC Bond | Senior Secured | High Return | Listed Step into a secured NBFC bond backed by strong ratings and double-digit returns, designed for investors aiming for growth with confidence. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dUJHdVpRPT0=/1300-electronica-finance-limited-2029?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Maximise Your Portfolio with a High-Yield Secured Opportunity Electronica Finance Limited – 2029 Bonds are now listed on The Fixed Income. ✔️ Coupon: 13.00% p.a. ✔️ Rating: India Ratings A Stable ✔️ Tenor: 3 years 9 months (Maturity: Jun 28, 2029) ✔️ NBFC Bond | Senior Secured | High Return | Listed Step into a secured NBFC bond backed by strong ratings and double-digit returns, designed for investors aiming for growth with confidence. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dUJHdVpRPT0=/1300-electronica-finance-limited-2029?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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sunny85deol
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82 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

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Progrowth Finwealth
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82 days ago

Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time View more | 1

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88 days ago

Why are the NAVs of Indian Debt Mutual Funds going down after the rate cut View more

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