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 30 (Category Avg - 67.58) | Modified Duration 2.54 Years (Category Avg - 2.62)| Yield to Maturity 6.73% (Category Avg - 6.89%)

Portfolio Summary (as on 30th Sep,2025)

Security Type	% Weight	Category Average
GOI	19.70%	20.36%
CD	17.60%	3.36%
T-Bills	0.10%	0.04%
CP	5.91%	0.67%
NCD & Bonds	50.15%	69.24%
PTC	0.00%	2.63%

Category - Short Duration Fund

Security Type	% Weight	Category Average
Government Backed	19.80%	20.39%
Low Risk	73.66%	75.89%
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 30th Sep,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			319.44	13.25%	32.50 L
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	200.16	8.30%	20.00 L
Bond - Motilal Oswal Financial Services Ltd.	CP	Stockbroking & allied	A1+	ICRA	142.62	5.91%	15.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	111.36	4.62%	11.00 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	101.88	4.23%	10.00 L
Bond - Godrej Industries Ltd	NCD & Bonds	Animal feed	AA+	CRISIL	101.88	4.23%	10.00 L
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	101.80	4.22%	10.00 L
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	101.68	4.22%	10.00 L
Bond - 360 One Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA	ICRA	100.40	4.16%	10.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	61.31	2.54%	6.00 L
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	P1+	CRISIL	58.40	2.42%	6.00 L
Bond - Govt of India	GOI	Other			54.63	2.27%	5.41 L
Bond - Govt of India	GOI	Other			51.67	2.14%	5.00 L
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	50.76	2.11%	5.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	50.71	2.10%	5.00 L
Bond - Manappuram Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA	CRISIL	50.55	2.10%	5.00 L
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	50.16	2.08%	5.00 L
Bond - Vedanta Ltd.	NCD & Bonds	Diversified metals	AA	CRISIL	50.14	2.08%	5.00 L
Bond - Govt of India	GOI	Other			49.09	2.04%	5.00 L
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	48.97	2.03%	5.00 L
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	48.93	2.03%	5.00 L
Bond - Punjab National Bank	CD	Public sector bank	P1+	CRISIL	48.64	2.02%	5.00 L
Bond - Export Import Bank Of India	CD	Financial institution	P1+	CRISIL	48.63	2.02%	5.00 L
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	47.44	1.97%	5.00 L
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	47.40	1.97%	5.00 L
Bond - Au Small Finance Bank Ltd.	CD	Other bank	PR1+	CARE	46.94	1.95%	5.00 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	40.19	1.67%	4.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	35.81	1.49%	3.50 L
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	28.68	1.19%	3.00 L
Bond - T-Bill	T-Bills	Other			2.46	0.10%	25.00 k

Name	Type of Instrument	Weight (%)
TREPS	TREPS	3.86%
Net Receivables	Net Receivables	2.09%
Repo	Repo	0.59%

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NITINPIMPALE
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12 days ago

purchase unit will adjust difference in NAV 10.263 View more

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  purchase unit will adjust difference in NAV 10.263
  
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krishna_ksvs
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24 days ago

View more

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The Fixed Income
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4 days ago

Invest in Stability with Long-Term Growth! 9.41% INDIA INFRASTRUCTURE FINANCE COMPANY LIMITED 2037 ✔️ Coupon: 9.41% ✔️ Rating: CARE AAA Stable ✔️ Tenor: 11y 9m (Maturity: 27/Jul/2037) Secured Bond | PSU Bond | High Return Bond | Listed Enjoy a secure, government-backed investment with steady returns over the long term. ???? Explore on The Fixed Income :https://www.thefixedincome.com/product/dUJHdFp3PT0=/941-india-infrastructure-finance-company-limited-2037?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Invest in Stability with Long-Term Growth! 9.41% INDIA INFRASTRUCTURE FINANCE COMPANY LIMITED 2037 ✔️ Coupon: 9.41% ✔️ Rating: CARE AAA Stable ✔️ Tenor: 11y 9m (Maturity: 27/Jul/2037) Secured Bond | PSU Bond | High Return Bond | Listed Enjoy a secure, government-backed investment with steady returns over the long term. ???? Explore on The Fixed Income :https://www.thefixedincome.com/product/dUJHdFp3PT0=/941-india-infrastructure-finance-company-limited-2037?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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shravanashok
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74 days ago

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

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  need your suggestion for sbi psu fund direct growth stay or switch
  
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ravisistla
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87 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

Posted by : ravisistla
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  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
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sunny85deol
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124 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

Posted by : sunny85deol
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  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.
  
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