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%

Forum

NITINPIMPALE
MF Investment Help
Follow

13 days ago

purchase unit will adjust difference in NAV 10.263 View more

Posted by : NITINPIMPALE
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  purchase unit will adjust difference in NAV 10.263
  
  Repost Cancel
You will now receive notification when someone reply to this message.
krishna_ksvs
MF Investment Help
Follow

25 days ago

View more

Posted by : krishna_ksvs
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Repost Cancel
You will now receive notification when someone reply to this message.
The Fixed Income
Bonds
Follow

3 hrs ago

Diversify Your Investment Portfolio with a High and Fixed Return Opportunity 11.45% MEGHALAYA ENERGY CORPORATION LIMITED 2030 ✔️ Coupon: 11.45% ✔️ Rating: BRICKWORK (BWR) A-(CE) Stable, Acuite (SMERA) A-(CE) Stable ✔️ Tenor: 4y 3m (Maturity: 13/Feb/2030) Senior Secured Bond | PSU Bond | High Return Bond | Listed Secure a strong, stable investment backed by a PSU and enjoy predictable returns. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dXhXdlpnPT0=/1145-meghalaya-energy-corporation-limited-2030?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

Posted by : The Fixed Income
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  Diversify Your Investment Portfolio with a High and Fixed Return Opportunity 11.45% MEGHALAYA ENERGY CORPORATION LIMITED 2030 ✔️ Coupon: 11.45% ✔️ Rating: BRICKWORK (BWR) A-(CE) Stable, Acuite (SMERA) A-(CE) Stable ✔️ Tenor: 4y 3m (Maturity: 13/Feb/2030) Senior Secured Bond | PSU Bond | High Return Bond | Listed Secure a strong, stable investment backed by a PSU and enjoy predictable returns. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dXhXdlpnPT0=/1145-meghalaya-energy-corporation-limited-2030?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
  Repost Cancel
You will now receive notification when someone reply to this message.
shravanashok
MF Investment Help
Follow

76 days ago

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

Posted by : shravanashok
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  need your suggestion for sbi psu fund direct growth stay or switch
  
  Repost Cancel
You will now receive notification when someone reply to this message.
ravisistla
MF Investment Help
Follow

89 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
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  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.
  
  Repost Cancel
You will now receive notification when someone reply to this message.
sunny85deol
MF Investment Help
Follow

126 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
- Like
- Reply
  
  reply Cancel
- Share
  
  276
- Repost
  
  Repost this message
  
  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.
  
  Repost Cancel
You will now receive notification when someone reply to this message.

+ See More

Advisory Alert: It has come to our attention that certain individuals are representing themselves as affiliates of Moneycontrol and soliciting funds on the false promise of assured returns on their investments. We wish to reiterate that Moneycontrol does not solicit funds from investors and neither does it promise any assured returns. In case you are approached by anyone making such claims, please write to us at grievanceofficer@nw18.com or call on 02268882347