Bank of India Ultra Short Duration Fund - Regular - 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 14 (Category Avg - 63.84) | Modified Duration 0.40 Years (Category Avg - 0.42)| Yield to Maturity 6.27% (Category Avg - 6.38%)

Portfolio Summary (as on 31st Oct,2025)

Category - Ultra Short Duration Fund

Category - Ultra Short Duration Fund

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	187.03	9.78%	19.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	186.22	9.73%	18.50 L
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	180.70	9.45%	18.00 L
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	180.52	9.44%	18.00 L
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	177.97	9.30%	18.00 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	150.56	7.87%	15.00 L
Bond - T-Bill	T-Bills	Other			148.17	7.75%	15.00 L
Bond - Manappuram Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA	CRISIL	141.59	7.40%	14.00 L
Bond - 360 One Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA	ICRA	130.38	6.82%	13.00 L
Bond - Export Import Bank Of India	CD	Financial institution	P1+	CRISIL	98.00	5.12%	10.00 L
Bond - Au Small Finance Bank Ltd.	CD	Other bank	PR1+	CARE	94.36	4.93%	10.00 L
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	68.24	3.57%	7.00 L
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	43.25	2.26%	4.50 L
Bond - T-Bill	T-Bills	Other			19.78	1.03%	2.00 L