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Bank of India Short Term Income Fund - Growth

  • Regular
  • Direct
Category : Short Duration Fund
Fund House :
  • NAV
    : ₹ 20.426 -0.02%
    (as on 28th September, 2022)
Crisil Rank
Relatively weak performance among peers
Risk-O-Meter
Moderate

The fund has 92.72% investment in Debt, of which 51.56% in Government securities, 38.47% is in Low Risk securities.

Suitable For : Investors who want to invest for 1-3 years and are looking for alternative to bank deposits.

This Scheme
VS
  • CRISIL 10 Year Gilt Index
  • NA
  • NA
  • Gold
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Returns (NAV as on 28th September, 2022)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 21-Sep-22 9983.80 -0.16% - -0.13% 15/29
1 Month 26-Aug-22 9983.30 -0.17% - -0.50% 16/28
3 Month 28-Jun-22 10094.20 0.94% - 0.78% 20/28
6 Month 28-Mar-22 11595.90 15.96% - 1.08% 1/28
YTD 31-Dec-21 11668.30 16.68% - 2.21% 1/26
1 Year 28-Sep-21 11733.20 17.33% 17.33% 3.48% 1/26
2 Year 28-Sep-20 12216.40 22.16% 10.53% 4.47% 2/24
3 Year 27-Sep-19 12212.10 22.12% 6.88% 5.46% 3/24
5 Year 28-Sep-17 11007.80 10.08% 1.94% 5.34% 22/22
10 Year 28-Sep-12 16613.00 66.13% 5.20% 7.01% 21/21
Since Inception 18-Dec-08 20426.00 104.26% 5.32% 6.76% 23/25

SIP Returns (NAV as on 28th September, 2022)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 28-Sep-21 12000 13200.75 10.01 % 18.96 %
2 Year 28-Sep-20 24000 27550.13 14.79 % 13.86 %
3 Year 27-Sep-19 36000 42036.25 16.77 % 10.32 %
5 Year 28-Sep-17 60000 67748.67 12.91 % 4.8 %
10 Year 28-Sep-12 120000 150245.22 25.2 % 4.4 %
 

Tax Treatment

If sold after 3 years from purchase date, long term capital gain tax will be applicable. Current tax rate is the lower of (a) 10% of profit or (b) 20% of profit adjusted after indexation benefits. Any cess/surcharge is not included.|If sold before 3 years from purchase date, short term capital gain tax will be applicable. Any profit will be clubbed with your income and taxed at your effective tax rate.

Portfolio (Updated on 31st Aug,2022)

No of Debt Holding 14 (Category Avg - 54.07) | Modified Duration 1.54 Years (Category Avg - 1.57)| Yield to Maturity 6.26% (Category Avg - 6.99%)

Type of Holdings

Security Type
% Weight
Category Average
GOI 26.38% 28.17%
CD 4.36% 9.97%
T-Bills 25.18% 4.73%
CP 0.00% 1.51%
NCD & Bonds 36.80% 59.33%
PTC 0.00% 0.56%

Investment / Portfolio Grades

Security Type
% Weight
Category Average
Government Backed 51.56% 32.90%
Low Risk 38.47% 60.35%
Moderate Risk 0.00% 0.00%
High Risk 0.00% 0.00%
Very High Risk 2.69% 0.10%
Others 0.00% 0.00%
Name Type of Instrument Weight (%)
Repo Repo 6.17%
Net Receivables Net Receivables 0.69%
TREPS TREPS 0.42%

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th August, 2022)

  • Standard Deviation

    High volatility
    10.44vs4
    Category Avg
  • Beta

    Low volatility
    1.13vs1.15
    Category Avg
  • Sharpe Ratio

    Poor risk adjusted returns
    0.32vs0.57
    Category Avg
  • Treynor's Ratio

    Better risk adjusted returns
    0.03vs0.01
    Category Avg
  • Jension's Alpha

    Better risk adjusted returns
    0.78vs-0.55
    Category Avg

Alternative Funds (Category Peers)

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
Franklin India Short Term Income Plan - Growth 1 504.71 -0.43 0.17 -0.14 14.90 4.99
IDBI Short Term Bond Fund - Growth 2 32.42 -0.09 1.38 0.53 10.16 7.38
UTI Short Term Income Fund - Institutional - Growth 4 2174.43 0.15 1.37 1.27 5.03 7.71
ICICI Prudential Short Term Fund - Growth 5 15615.34 0.32 2.25 2.23 3.46 6.56
Aditya Birla Sun Life Short Term Fund - Regular Plan - Growth 5 5762.45 0.05 1.68 1.51 3.11 6.29
Sundaram Short Duration Fund - Growth 4 205.35 0.11 1.13 0.96 2.62 5.63
Axis Short Term Fund - Growth 4 7563.71 -0.06 1.28 1.05 2.57 5.96
HDFC Short Term Debt Fund - Growth 3 13618.94 0.01 1.38 1.04 2.41 6.32
SBI Short Term Debt Fund - Regular Plan - Growth 4 13464.98 -0.04 1.00 0.82 2.18 5.47
Nippon India Short Term Fund - Growth 3 6621.69 -0.22 1.16 0.44 2.05 5.82

More Funds from

Out of 19 mutual fund schemes offered by this AMC, 2 is/are ranked 5 * , 6 is/are ranked 4 * , 2 is/are ranked 2 * , 3 is/are ranked 1 * , and 6 schemes are not ranked. See more about AMC

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
Bank of India Tax Advantage Fund - Regular Plan - Growth 4 644.78 -1.72 11.44 0.14 -4.64 22.15
Bank of India Liquid Fund - Regular Plan - Growth 4 377.65 0.40 1.26 2.30 4.09 3.97
Bank of India Mid & Small Cap Equity & Debt Fund - Growth 4 363.57 0.00 0.00 0.00 0.00 0.00
Bank of India Mid & Small Cap Equity & Debt Fund - Growth 4 363.57 -1.03 9.59 -0.45 -2.52 23.39
Bank of India Small Cap Fund - Regular Plan - Growth 4 353.51 0.30 14.63 2.79 5.73 37.50
Bank of India Flexi Cap Fund - Regular Plan - Growth NA 307.97 -3.30 10.29 -2.09 -1.68 0.00
Bank of India Large & Mid Cap Equity Fund - Regular Plan - Growth 2 211.39 -3.53 11.00 1.49 -2.67 16.21
Bank of India Credit Risk Fund - Regular Plan - Growth 1 166.26 -0.02 1.06 124.78 140.58 13.22
Bank of India Bluechip Fund - Regular Plan - Growth NA 137.06 -2.28 10.05 -1.44 -8.29 0.00
Bank of India Ultra Short Duration Fund - Regular - Growth 4 133.34 0.29 1.14 1.84 3.58 4.16

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