Bank Of India Short Term Income Fund Overview
Category Short Duration Fund
BMSMONEY Rank 1
BMSMONEY Rating
Gro. Opt. As On: 20-12-2024
NAV ₹25.63(R) -0.01% ₹27.78(D) -0.01%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 9.04% 13.57% 8.38% 4.61% 5.75%
LumpSum (D) 9.64% 14.08% 8.89% 5.13% 6.41%
SIP (R) -35.91% 4.96% 8.72% 6.9% 5.96%
SIP (D) -35.53% 5.53% 9.25% 7.4% 6.51%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.65 1.89 1.28 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
9.61% -0.39% -0.51% - 2.44%
Top Short Duration Fund
Fund Name Rank Rating
Bank of India Short Term Income Fund 1
Icici Prudential Short Term Fund 2
Hdfc Short Term Debt Fund 3
Aditya Birla Sun Life Short Term Fund 4
UTI Short Duration Fund 5

NAV Date: 20-12-2024

Scheme Name NAV Rupee Change Percent Change
BANK OF INDIA Short Term Income Fund-Direct Plan- Quarterly IDCW 12.81
0.0000
-0.0100%
BANK OF INDIA Short Term Income Fund-Regular Plan- Quarterly IDCW 12.96
0.0000
-0.0100%
BANK OF INDIA Short Term Income Fund-Regular Plan- Monthly IDCW 13.15
0.0000
-0.0100%
BANK OF INDIA Short Term Income Fund-Direct Plan- Monthly IDCW 13.51
0.0000
-0.0100%
BANK OF INDIA Short Term Income Fund-Regular Plan- Growth 25.63
0.0000
-0.0100%
BANK OF INDIA Short Term Income Fund-Direct Plan- Growth 27.78
0.0000
-0.0100%

Review Date: 20-12-2024

Bank of India Short Term Income Fund is the top performing fund in the Short Duration Fund category. The fund has delivered return of 9.04% in 1 year, 13.57% in 3 years, 8.38% in 5 years and 5.75% in 10 years. The category average for the same periods is 7.35%, 6.07%, 6.11% and 6.73% respectively, which shows very good return performance of fund in the category. The fund has exhibited standard deviation of 9.61, VaR of -0.39, Average Drawdown of -0.31, Semi Deviation of 2.44 and Max Drawdown of -0.51. The category average for the same parameters is 1.64, -0.35, -0.5, 0.95 and -0.71 respectively. The fund has average risk in the category.

Key Points:

  1. An investment of ₹10,000 in Bank of India Short Term Income Fund direct growth option would have grown to ₹10964.0 in 1 year, ₹14848.0 in 3 years and ₹15306.0 in 5 years as of today (20-12-2024).
  2. An SIP of ₹1,000 per month in Bank of India Short Term Income Fund direct growth option would have grown to ₹9538.0 in 1 year, ₹39161.0 in 3 years and ₹75750.0 in 5 years as of today (20-12-2024).
  3. standard deviation of 9.61 and based on VaR one can expect to lose more than -0.39% of current value of fund in one year.
  4. Sharpe ratio of the fund is 0.65 which shows very good performance of fund in the short duration fund category.


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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 0.46
0.50
0.00 | 0.62 20 | 22 Poor
3M Return % 3.24
1.56
0.00 | 3.24 1 | 22 Very Good
6M Return % 5.43
3.74
0.00 | 5.43 1 | 22 Very Good
1Y Return % 9.04
7.35
0.00 | 9.04 1 | 22 Very Good
3Y Return % 13.57
6.07
4.67 | 13.57 1 | 21 Very Good
5Y Return % 8.38
6.11
4.62 | 8.38 1 | 19 Very Good
7Y Return % 4.61
6.16
4.61 | 7.16 17 | 17 Poor
10Y Return % 5.75
6.73
5.75 | 7.49 17 | 17 Poor
15Y Return % 6.24
10.72
6.24 | 45.44 11 | 11 Poor
1Y SIP Return % -35.91
-37.71
-38.35 | -35.91 1 | 21 Very Good
3Y SIP Return % 4.96
1.59
0.46 | 4.96 1 | 20 Very Good
5Y SIP Return % 8.72
4.46
3.05 | 8.72 1 | 18 Very Good
7Y SIP Return % 6.90
5.49
3.93 | 6.90 1 | 16 Very Good
10Y SIP Return % 5.96
6.05
4.79 | 6.77 10 | 16 Average
15Y SIP Return % 6.12
10.52
6.12 | 46.89 11 | 11 Poor
Standard Deviation 9.61
1.64
0.91 | 9.61 21 | 21 Poor
Semi Deviation 2.44
0.95
0.69 | 2.44 21 | 21 Poor
Max Drawdown % -0.51
-0.71
-1.28 | -0.24 5 | 21 Very Good
VaR 1 Y % -0.39
-0.35
-1.20 | 0.00 15 | 21 Average
Average Drawdown % -0.31
-0.50
-1.19 | -0.24 4 | 21 Very Good
Sharpe Ratio 0.65
-0.88
-1.70 | 0.65 1 | 21 Very Good
Sterling Ratio 1.28
0.56
0.41 | 1.28 1 | 21 Very Good
Sortino Ratio 1.89
-0.20
-0.47 | 1.89 1 | 21 Very Good
Return data last Updated On : Dec. 20, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 29, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 0.51 0.55 0.00 | 0.66 21 | 22
3M Return % 3.38 1.72 0.00 | 3.38 1 | 22
6M Return % 5.72 4.07 0.00 | 5.72 1 | 22
1Y Return % 9.64 8.01 0.00 | 9.64 1 | 22
3Y Return % 14.08 6.66 3.09 | 14.08 1 | 21
5Y Return % 8.89 6.76 3.82 | 8.89 1 | 19
7Y Return % 5.13 6.81 4.75 | 7.84 16 | 17
10Y Return % 6.41 7.41 6.19 | 8.28 16 | 17
1Y SIP Return % -35.53 -37.26 -37.74 | -35.53 1 | 21
3Y SIP Return % 5.53 2.33 1.61 | 5.53 1 | 20
5Y SIP Return % 9.25 5.20 4.33 | 9.25 1 | 18
7Y SIP Return % 7.40 6.21 5.21 | 7.40 1 | 16
10Y SIP Return % 6.51 6.77 6.06 | 7.56 12 | 16
Standard Deviation 9.61 1.64 0.91 | 9.61 21 | 21
Semi Deviation 2.44 0.95 0.69 | 2.44 21 | 21
Max Drawdown % -0.51 -0.71 -1.28 | -0.24 5 | 21
VaR 1 Y % -0.39 -0.35 -1.20 | 0.00 15 | 21
Average Drawdown % -0.31 -0.50 -1.19 | -0.24 4 | 21
Sharpe Ratio 0.65 -0.88 -1.70 | 0.65 1 | 21
Sterling Ratio 1.28 0.56 0.41 | 1.28 1 | 21
Sortino Ratio 1.89 -0.20 -0.47 | 1.89 1 | 21
Return data last Updated On : Dec. 20, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 29, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D -0.01 ₹ 9,999.00 -0.01 ₹ 9,999.00
1W 0.02 ₹ 10,002.00 0.03 ₹ 10,003.00
1M 0.46 ₹ 10,046.00 0.51 ₹ 10,051.00
3M 3.24 ₹ 10,324.00 3.38 ₹ 10,338.00
6M 5.43 ₹ 10,543.00 5.72 ₹ 10,572.00
1Y 9.04 ₹ 10,904.00 9.64 ₹ 10,964.00
3Y 13.57 ₹ 14,647.00 14.08 ₹ 14,848.00
5Y 8.38 ₹ 14,956.00 8.89 ₹ 15,306.00
7Y 4.61 ₹ 13,712.00 5.13 ₹ 14,189.00
10Y 5.75 ₹ 17,497.00 6.41 ₹ 18,621.00
15Y 6.24 ₹ 24,796.00 ₹

Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.

Investment Period Invested Amount Regular Direct
XIRR % Current Value of Invested Amount XIRR % Current Value of Invested Amount
1Y ₹ 12000 -35.91 ₹ 9,509.29 -35.53 ₹ 9,538.10
3Y ₹ 36000 4.96 ₹ 38,827.15 5.53 ₹ 39,161.20
5Y ₹ 60000 8.72 ₹ 74,765.76 9.25 ₹ 75,750.42
7Y ₹ 84000 6.90 ₹ 107,374.09 7.40 ₹ 109,308.61
10Y ₹ 120000 5.96 ₹ 162,998.64 6.51 ₹ 167,727.72
15Y ₹ 180000 6.12 ₹ 291,308.04 ₹


Date Bank Of India Short Term Income Fund NAV Regular Growth Bank Of India Short Term Income Fund NAV Direct Growth
20-12-2024 25.626 27.7783
19-12-2024 25.6289 27.781
18-12-2024 25.6382 27.7908
17-12-2024 25.6316 27.7832
16-12-2024 25.632 27.7832
13-12-2024 25.6209 27.7698
12-12-2024 25.6212 27.7698
11-12-2024 25.6249 27.7734
10-12-2024 25.6247 27.7727
09-12-2024 25.6155 27.7624
06-12-2024 25.6017 27.7462
05-12-2024 25.6092 27.7539
04-12-2024 25.5989 27.7423
03-12-2024 25.5888 27.731
02-12-2024 25.5777 27.7185
29-11-2024 25.5492 27.6863
28-11-2024 25.5313 27.6666
27-11-2024 25.5303 27.665
26-11-2024 25.5278 27.6619
25-11-2024 25.5257 27.6593
22-11-2024 25.5068 27.6375
21-11-2024 25.5074 27.6377

Fund Launch Date: 03/Dec/2008
Fund Category: Short Duration Fund
Investment Objective: The Scheme seeks to generate income and capital appreciation by investing in a diversifiedportfolio of debt and money market securities. However, there can be no assurance that theincome can be generated, regular or otherwise, or the investment objectives of the Schemewill be realized.
Fund Description: An open ended short term debt scheme investing in instruments with Macaulayduration of the portfolio between 1 year and 3 years
Fund Benchmark: CRISIL Short Term Bond Fund Index
Source: Fund FactSheet

Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.