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InvestVerdict

BANK OF INDIA SHORT TERM FUND

Direct Plan · Quarterly IDCW · Mutual fund · Scheme code 119384

NAV₹14.3125as on 27 Aug 2026
Fund houseBank of India Mutual Fund
CategoryMutual fund
Plan & optionDirect · Quarterly IDCW
History13.6 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme 0.322.272.78 5.597.6810.80 7.963.212.59

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 6.5% 0.18 0.26 — — -25.8% —

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the — months this scheme and its benchmark share.

Growth of ₹100 since launch

7398122147201620182020202220242026InvestVerdict

Drawdown from peak (%)

0%-9%-19%-28%201620182020202220242026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
525 -22.9% 3.8% 28.4% 34%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

InvestVerdict

BANK OF INDIA SHORT TERM FUND

Direct Plan · Quarterly IDCW

Allocation

By asset

Debt89.03%
Cash & Equivalents10.68%
Unclassified0.29%

By market cap

Concentration

Number of stocks28
Top 5 stocks32.30%
Top 10 stocks53.21%
Top 20 stocks78.43%
Largest holding7.30%
Largest sectorCRISIL A1+ 22.50%
Effective stocks25.7
Cash10.68%
InvestVerdict

BANK OF INDIA SHORT TERM FUND

Direct Plan · Quarterly IDCW · holdings

Top 18 holdings

#CompanySector% of fund
1— 7.47%
2— CRISIL AAA7.30%
3— FITCH A1+7.17%
4— CRISIL A1+7.02%
5— SOVEREIGN5.52%
6— ICRA A1+5.29%
7— CRISIL A1+5.19%
8— ICRA AA+4.39%
9— SOVEREIGN3.95%
10— CRISIL AA+3.69%
11— CRISIL AA+3.69%
12— CRISIL AAA3.69%
13— CRISIL A1+3.60%
14— CRISIL A1+3.51%
15— CRISIL AA+2.96%
16— Unclassified2.56%
17— CRISIL AAA2.22%
18— SOVEREIGN1.87%

Sector split

CRISIL A1+ — 22.5%CRISIL AAA — 20.0%CRISIL AA+ — 14.0%SOVEREIGN — 13.8% — 8.1%FITCH A1+ — 7.2%ICRA A1+ — 5.3%ICRA AA+ — 4.4%Other — 4.7%CRISIL A1+22.5%CRISIL AAA20.0%CRISIL AA+14.0%SOVEREIGN13.8% 8.1%FITCH A1+7.2%ICRA A1+5.3%ICRA AA+4.4%Other4.7%
CRISIL A1+22.50%
CRISIL AAA20.01%
CRISIL AA+14.03%
SOVEREIGN13.82%
8.12%
FITCH A1+7.17%
ICRA A1+5.29%
ICRA AA+4.39%
Cash & Equivalents2.56%
CARE A1+1.82%

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹749,543 ₹149,543 8.84%

XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has been invested for a different length of time.

Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 29 Aug 2026.