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.

No of Debt Holding 29 (Category Avg - 68.67) | Modified Duration 2.40 Years (Category Avg - 2.55)| Yield to Maturity 6.58% (Category Avg - 6.82%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	19.15%	20.59%
CD	19.41%	3.18%
T-Bills	0.10%	0.04%
CP	2.19%	0.41%
NCD & Bonds	49.25%	67.29%
PTC	0.00%	2.68%

Category - Short Duration Fund

Security Type	% Weight	Category Average
Government Backed	19.25%	20.62%
Low Risk	70.85%	73.56%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Short Duration Fund

Debt holding in Portfolio (as on 31st Oct,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			369.67	15.04%	37.50 L
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	200.34	8.15%	20.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	112.28	4.57%	11.00 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	102.12	4.15%	10.00 L
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	102.01	4.15%	10.00 L
Bond - Godrej Industries Ltd	NCD & Bonds	Animal feed	AA+	CRISIL	101.90	4.14%	10.00 L
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	101.88	4.14%	10.00 L
Bond - 360 One Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA	ICRA	100.29	4.08%	10.00 L
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	98.58	4.01%	10.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	61.51	2.50%	6.00 L
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	P1+	CRISIL	58.70	2.39%	6.00 L
Bond - Motilal Oswal Financial Services Ltd.	CP	Stockbroking & allied	P1+	CRISIL	53.97	2.19%	5.50 L
Bond - Govt of India	GOI	Other			51.67	2.10%	5.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	50.96	2.07%	5.00 L
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	50.77	2.07%	5.00 L
Bond - Manappuram Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA	CRISIL	50.57	2.06%	5.00 L
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	50.23	2.04%	5.00 L
Bond - Vedanta Ltd.	NCD & Bonds	Diversified metals	AA	CRISIL	50.06	2.04%	5.00 L
Bond - Govt of India	GOI	Other			49.49	2.01%	5.00 L
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	49.18	2.00%	5.00 L
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	49.06	2.00%	5.00 L
Bond - Punjab National Bank	CD	Public sector bank	P1+	CRISIL	48.88	1.99%	5.00 L
Bond - Export Import Bank Of India	CD	Financial institution	P1+	CRISIL	48.87	1.99%	5.00 L
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	47.68	1.94%	5.00 L
Bond - Au Small Finance Bank Ltd.	CD	Other bank	PR1+	CARE	47.18	1.92%	5.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	40.16	1.63%	4.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	35.92	1.46%	3.50 L
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	28.83	1.17%	3.00 L
Bond - T-Bill	T-Bills	Other			2.47	0.10%	25.00 k