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Mutual Funds
Ultra Short Duration Fund
Bank of India Mutual Fund
Bank of India Ultra Short Duration Fund - Regular - Growth

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.

Latest (Updated on 30th Jun 2021)

Crisil Rank
(Updated on 31st Mar 2021)

Crisil Rank
(Updated on 31st Mar 2020)

Crisil Rank
(Updated on 31st Dec 2019)

Crisil Rank
(Updated on 30th Sep 2019)

Crisil Rank

Returns (NAV as on 19th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	12-Nov-25	10010.90	0.11%	-	0.11%	16/26
1 Month	17-Oct-25	10051.20	0.51%	-	0.52%	17/26
3 Month	19-Aug-25	10137.60	1.38%	-	1.43%	19/26
6 Month	19-May-25	10293.80	2.94%	-	3.05%	19/26
YTD	01-Jan-25	10581.40	5.81%	-	6.06%	20/26
1 Year	19-Nov-24	10658.30	6.58%	6.58%	6.84%	20/26
2 Year	17-Nov-23	11365.40	13.65%	6.58%	6.96%	22/25
3 Year	18-Nov-22	12085.60	20.86%	6.51%	6.86%	21/25
5 Year	19-Nov-20	12950.70	29.51%	5.30%	5.63%	20/24
10 Year	19-Nov-15	18623.90	86.24%	6.41%	6.13%	8/14
Since Inception	16-Jul-08	32318.90	223.19%	6.99%	6.34%	9/26

Returns Calculator

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

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	19-Nov-24	12000	12407.24	3.39 %	6.32 %
2 Year	17-Nov-23	24000	25656.39	6.9 %	6.54 %
3 Year	18-Nov-22	36000	39745.83	10.41 %	6.52 %
5 Year	19-Nov-20	60000	69922.66	16.54 %	6.05 %
10 Year	19-Nov-15	120000	162520.29	35.43 %	5.91 %

SIP Calculator

Compare performance

Category	1 D	1 M	3 M	6 M	YTD	1 Y	2 Y	3 Y	5 Y
This Fund	0.01%	0.48%	1.38%	2.92%	5.85%	6.58%	6.58%	6.50%	5.30%
Nifty 50	0.54%	1.35%	4.56%	6.11%	10.77%	11.34%	15.30%	12.64%	15.28%
Benchmark: CRISIL Ultra Short Duration Debt A-I Index	0.01%	0.51%	1.50%	3.11%	6.23%	7.04%	7.34%	7.37%	6.08%
Category Average	0.01%	0.49%	1.43%	3.03%	6.07%	6.83%	6.95%	6.86%	5.63%
Category Rank	13/26	17/26	19/26	19/26	20/26	20/26	22/25	21/25	20/24
Best in Category	0.02%	0.56%	1.59%	3.38%	6.75%	7.63%	7.67%	7.50%	6.60%
Worst in Category	0.00%	0.41%	1.22%	2.56%	4.91%	5.53%	5.78%	5.77%	4.60%

quartely results (NAV as on 20th November, 2025)

Period

This Fund

Nifty 50

CRISIL Ultra Short Duration Debt A-I Index

Category Average

2025

5.55%

9.73%

5.31%

Q4 - 2025	0.75%	4.90%	--	0.76%
Q3 - 2025	1.31%	-3.64%	--	0.92%
Q2 - 2025	1.83%	10.15%	--	1.17%
Q1 - 2025	1.74%	-2.43%	--	1.21%

2024

6.55%

8.75%

5.92%

Q4 - 2024	1.58%	-8.34%	--	1.68%
Q3 - 2024	1.63%	6.91%	--	1.76%
Q2 - 2024	1.56%	7.48%	--	1.73%
Q1 - 2024	1.59%	3.31%	--	1.77%

2023

6.23%

19.48%

6.07%

Q4 - 2023	1.45%	11.33%	--	1.59%
Q3 - 2023	1.46%	1.07%	--	1.58%
Q2 - 2023	1.60%	10.29%	--	1.13%
Q1 - 2023	1.57%	-4.60%	--	1.62%

2022

4.36%

3.24%

3.56%

Q4 - 2022	1.51%	7.76%	--	1.48%
Q3 - 2022	1.17%	8.52%	--	1.16%
Q2 - 2022	0.66%	-10.70%	--	0.42%
Q1 - 2022	0.93%	-0.91%	--	0.62%

2021

3.09%

23.79%

12.4%

Q4 - 2021	0.82%	-1.02%	--	0.51%
Q3 - 2021	0.79%	12.36%	--	1.09%
Q2 - 2021	0.76%	5.75%	--	0.85%
Q1 - 2021	0.71%	4.80%	--	0.80%

2020

4.92%

14.77%

3.31%

Q4 - 2020	0.89%	22.46%	--	0.59%
Q3 - 2020	0.90%	7.84%	--	0.98%
Q2 - 2020	1.70%	24.82%	--	1.71%
Q1 - 2020	1.30%	-29.43%	--	1.36%

2019

7.5%

11.53%

3.27%

Q4 - 2019	1.51%	7.12%	--	1.59%
Q3 - 2019	1.95%	-3.30%	--	1.67%
Q2 - 2019	1.76%	1.68%	--	1.36%
Q1 - 2019	1.98%	6.96%	--	1.96%

2018

7.52%

4.09%

3.41%

Q4 - 2018	2.08%	-1.32%	--	1.51%
Q3 - 2018	1.68%	3.29%	--	0.59%
Q2 - 2018	1.71%	4.36%	--	1.13%
Q1 - 2018	1.76%	-2.14%	--	1.68%

2017

7.95%

27.58%

4.69%

Q4 - 2017	1.61%	5.84%	--	1.37%
Q3 - 2017	2.00%	2.54%	--	1.61%
Q2 - 2017	1.87%	3.06%	--	1.62%
Q1 - 2017	2.25%	12.16%	--	1.73%

2016

9.11%

2.72%

6.12%

Q4 - 2016	1.98%	-6.39%	--	1.75%
Q3 - 2016	2.44%	3.40%	--	2.12%
Q2 - 2016	1.44%	7.45%	--	1.31%
Q1 - 2016	2.21%	-2.82%	--	2.04%

2015

8.64%

-4.08%

6.28%

Q4 - 2015	1.89%	-0.06%	--	1.83%
Q3 - 2015	2.18%	-5.96%	--	2.10%
Q2 - 2015	2.18%	-2.54%	--	1.91%
Q1 - 2015	2.16%	2.50%	--	2.17%

2014

9.29%

31.44%

6.91%

Q4 - 2014	2.35%	4.24%	--	2.50%
Q3 -	--	4.32%	--	--
Q2 - 2014	2.16%	13.25%	--	2.44%
Q1 - 2014	2.42%	6.39%	--	2.20%

Best Quarters

Period	This Fund	Nifty 50	CRISIL Ultra Short Duration Debt A-I Index	Category Average
Q3 - 2016	2.48%	3.40%	--	2.12%
Q3 - 2016	2.44%	3.40%	--	2.12%
Q1 - 2014	2.42%	6.39%	--	2.2%

Worst Quarters

Period	This Fund	Nifty 50	CRISIL Ultra Short Duration Debt A-I Index	Category Average
Q2 - 2022	0.66%	-10.70%	--	0.42%
Q2 - 2022	0.41%	-10.70%	--	0.42%
Q4 - 2020	0.53%	22.46%	--	0.59%