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Bank of India Ultra Short Duration Fund - Regular - Growth

  • Regular
  • Direct
Category : Ultra Short Duration Fund
  • NAV
    : ₹ 3202.4217 0.04%
    (as on 22nd September, 2025)
Crisil Rating
Above average performance among peers
Risk-O-Meter
Low to Moderate Risk

The fund has 95.41% investment in Debt, of which 6.08% in Government securities, 89.33% is in Low Risk securities.

Suitable For : Investors who want to invest for very short term and are looking for alternative to bank accounts/deposits.

Crisil Rank Change : Fund Crisil rank was updated from 3 to 4 in the previous quarter.

This Scheme
VS
  • CRISIL Ultra Short Duration Debt A-I Index
  • NA
  • NA
  • Gold
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Returns (NAV as on 19th September, 2025)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 12-Sep-25 10012.70 0.13% - 0.13% 13/26
1 Month 19-Aug-25 10040.70 0.41% - 0.44% 25/26
3 Month 19-Jun-25 10134.60 1.35% - 1.42% 23/26
6 Month 19-Mar-25 10341.50 3.42% - 3.57% 22/26
YTD 01-Jan-25 10480.20 4.80% - 5.02% 22/26
1 Year 19-Sep-24 10675.60 6.76% 6.76% 7.04% 23/26
2 Year 18-Sep-23 11364.50 13.64% 6.59% 7.00% 22/25
3 Year 19-Sep-22 12068.80 20.69% 6.46% 6.82% 21/25
5 Year 18-Sep-20 12919.70 29.20% 5.25% 5.57% 19/23
10 Year 18-Sep-15 18710.90 87.11% 6.46% 6.17% 8/14
Since Inception 16-Jul-08 32010.00 220.10% 7.00% 6.34% 9/26

SIP Returns (NAV as on 19th September, 2025)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 19-Sep-24 12000 12422.12 3.52 % 6.57 %
2 Year 18-Sep-23 24000 25682.59 7.01 % 6.65 %
3 Year 19-Sep-22 36000 39780.11 10.5 % 6.58 %
5 Year 18-Sep-20 60000 69837.82 16.4 % 6 %
10 Year 18-Sep-15 120000 162699.48 35.58 % 5.93 %
 

Tax Treatment

Any profit will be clubbed with your income and taxed at your effective tax rate.

Portfolio (Updated on 31st Aug,2025)

No of Debt Holding 15 (Category Avg - 64.08) | Modified Duration 0.41 Years (Category Avg - 0.40)| Yield to Maturity 6.14% (Category Avg - 6.33%)

Type of Holdings

Security Type
% Weight
Category Average
GOI 0.00% 3.02%
CD 30.11% 34.69%
T-Bills 6.08% 7.26%
CP 23.60% 12.26%
NCD & Bonds 35.62% 35.95%
PTC 0.00% 0.71%

Investment / Portfolio Grades

Security Type
% Weight
Category Average
Government Backed 6.08% 10.28%
Low Risk 89.33% 83.61%
Moderate Risk 0.00% 0.00%
High Risk 0.00% 0.00%
Very High Risk 0.00% 0.00%
Others 0.00% 0.00%
Name Type of Instrument Weight (%)
TREPS TREPS 3.32%
Net Receivables Net Receivables 0.97%
Repo Repo 0.30%

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 29th August, 2025)

  • Standard Deviation

    Low volatility
    0.38vs1.08
    Category Avg
  • Beta

    High volatility
    2.25vs1.06
    Category Avg
  • Sharpe Ratio

    Poor risk adjusted returns
    1.9vs2.5
    Category Avg
  • Jensen's Alpha

    Poor risk adjusted returns
    -2.07vs-0.46
    Category Avg

Alternative Funds (Category Peers)

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
Aditya Birla Sun Life Savings Fund - Regular Plan - Growth 3 21521.30 0.47 1.63 4.01 7.86 7.46
Mirae Asset Ultra Short Duration Fund - Regular Plan - Growth 5 1766.30 0.49 1.59 3.81 7.53 7.31
Baroda BNP Paribas Ultra Short Duration Fund - Growth 4 1614.95 0.48 1.54 3.72 7.38 7.29
ICICI Prudential Ultra Short Term Fund - Growth 2 17076.56 0.45 1.53 3.79 7.38 7.15
Franklin India Ultra Short Duration Fund - Regular Plan - Growth NA 307.58 0.44 1.52 3.79 7.30 0.00
HSBC Ultra Short Duration Fund - Regular Plan - Growth 5 2931.57 0.44 1.49 3.68 7.29 7.13
Bandhan Ultra Short Duration Fund - Regular Plan - Growth 3 4216.54 0.47 1.51 3.66 7.28 7.13
SBI Magnum Ultra Short Duration Fund - Regular Plan - Growth 3 16317.58 0.46 1.49 3.67 7.27 7.12
HDFC Ultra Short Term Fund - Growth 3 18004.94 0.44 1.49 3.66 7.26 7.11
Invesco India Ultra Short Duration Fund - Growth 3 1329.74 0.44 1.47 3.62 7.21 6.96

More Funds from Bank of India Mutual Fund

Out of 26 mutual fund schemes offered by this AMC, 2 is/are ranked 5 * , 2 is/are ranked 4 * , 4 is/are ranked 3 * , 2 is/are ranked 2 * , 5 is/are ranked 1 * , and 11 schemes are not ranked. See more about AMC

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
Bank of India Flexi Cap Fund - Regular Plan - Growth 3 2111.94 3.30 4.65 10.85 -3.37 21.06
Bank of India Small Cap Fund - Regular Plan - Growth 2 1879.23 2.35 3.63 10.34 -6.54 19.54
Bank of India Liquid Fund - Regular Plan - Growth 4 1824.27 0.48 1.44 3.28 6.91 7.06
Bank of India ELSS Tax Saver - Regular Plan - Growth 1 1354.96 2.12 1.87 7.84 -6.35 16.68
Bank of India Mid & Small Cap Equity & Debt Fund - Growth 3 1252.81 0.00 0.00 0.00 0.00 0.00
Bank of India Mid & Small Cap Equity & Debt Fund - Growth 3 1252.81 1.13 1.78 9.21 -1.86 18.44
Bank of India Multicap Fund - Regular Plan - Growth NA 890.92 1.64 3.03 10.90 -2.27 0.00
Bank of India Mid Cap Fund - Regular Plan - Growth NA 630.99 1.30 0.00 0.00 0.00 0.00
Bank of India Manufacturing & Infrastructure Fund - Growth 5 597.85 0.00 0.00 0.00 0.00 0.00
Bank of India Manufacturing & Infrastructure Fund - Growth 5 597.85 3.15 4.34 14.38 -2.13 24.23

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