Bank Of India Short Term Income Fund Overview
Category Short Duration Fund
BMSMONEY Rank 1
BMSMONEY Rating
Gro. Opt. As On: 17-01-2025
NAV ₹25.75(R) -0.01% ₹27.92(D) -0.01%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 8.98% 13.7% 8.36% 4.64% 5.7%
LumpSum (D) 9.58% 14.23% 8.87% 5.16% 6.35%
SIP (R) -6.81% 8.02% 9.76% 6.78% 5.56%
SIP (D) -6.32% 8.58% 10.27% 7.27% 6.09%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.66 1.92 1.3 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
9.6% -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
Axis Short Term Fund 5

NAV Date: 17-01-2025

Scheme Name NAV Rupee Change Percent Change
BANK OF INDIA Short Term Income Fund-Direct Plan- Quarterly IDCW 12.87
0.0000
-0.0100%
BANK OF INDIA Short Term Income Fund-Regular Plan- Quarterly IDCW 13.02
0.0000
-0.0100%
BANK OF INDIA Short Term Income Fund-Regular Plan- Monthly IDCW 13.21
0.0000
-0.0100%
BANK OF INDIA Short Term Income Fund-Direct Plan- Monthly IDCW 13.58
0.0000
-0.0100%
BANK OF INDIA Short Term Income Fund-Regular Plan- Growth 25.75
0.0000
-0.0100%
BANK OF INDIA Short Term Income Fund-Direct Plan- Growth 27.92
0.0000
-0.0100%

Review Date: 17-01-2025

Bank of India Short Term Income Fund is the top performing fund in the Short Duration Fund category. The fund has delivered return of 8.98% in 1 year, 13.7% in 3 years, 8.36% in 5 years and 5.7% in 10 years. The category average for the same periods is 7.29%, 6.21%, 6.15% and 6.66% respectively, which shows very good return performance of fund in the category. The fund has exhibited standard deviation of 9.6, 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 1.63, -0.35, -0.51, 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 ₹10958.0 in 1 year, ₹14905.0 in 3 years and ₹15293.0 in 5 years as of today (17-01-2025).
  2. An SIP of ₹1,000 per month in Bank of India Short Term Income Fund direct growth option would have grown to ₹11585.0 in 1 year, ₹40985.0 in 3 years and ₹77727.0 in 5 years as of today (17-01-2025).
  3. standard deviation of 9.6 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 0.66 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
0.42
0.00 | 0.49 6 | 22 Very Good
3M Return % 3.22
1.47
0.00 | 3.22 1 | 22 Very Good
6M Return % 5.36
3.60
0.00 | 5.36 1 | 22 Very Good
1Y Return % 8.98
7.29
0.00 | 8.98 1 | 22 Very Good
3Y Return % 13.70
6.21
4.87 | 13.70 1 | 22 Very Good
5Y Return % 8.36
6.15
4.60 | 8.36 1 | 19 Very Good
7Y Return % 4.64
6.20
4.64 | 7.18 17 | 17 Poor
10Y Return % 5.70
6.66
5.70 | 7.43 17 | 17 Poor
15Y Return % 6.26
10.72
6.26 | 45.46 11 | 11 Poor
1Y SIP Return % -6.81
-9.15
-14.99 | -6.81 1 | 22 Very Good
3Y SIP Return % 8.02
4.99
0.95 | 8.02 1 | 22 Very Good
5Y SIP Return % 9.76
5.62
4.32 | 9.76 1 | 19 Very Good
7Y SIP Return % 6.78
5.17
3.74 | 6.78 1 | 17 Very Good
10Y SIP Return % 5.56
5.49
4.31 | 6.24 10 | 17 Good
15Y SIP Return % 5.80
9.82
5.80 | 46.56 12 | 12 Poor
Standard Deviation 9.60
1.63
0.88 | 9.60 21 | 21 Poor
Semi Deviation 2.44
0.95
0.68 | 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
-0.51
-1.19 | -0.24 4 | 21 Very Good
Sharpe Ratio 0.66
-0.85
-1.67 | 0.66 1 | 21 Very Good
Sterling Ratio 1.30
0.58
0.43 | 1.30 1 | 21 Very Good
Sortino Ratio 1.92
-0.19
-0.46 | 1.92 1 | 21 Very Good
Return data last Updated On : Jan. 17, 2025.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 0.51 0.47 0.00 | 0.55 7 | 22
3M Return % 3.37 1.63 0.00 | 3.37 1 | 22
6M Return % 5.65 3.92 0.00 | 5.65 1 | 22
1Y Return % 9.58 7.93 0.00 | 9.58 1 | 22
3Y Return % 14.23 6.80 3.06 | 14.23 1 | 22
5Y Return % 8.87 6.80 4.60 | 8.87 1 | 19
7Y Return % 5.16 6.84 4.69 | 7.89 16 | 17
10Y Return % 6.35 7.34 6.04 | 8.18 16 | 17
1Y SIP Return % -6.32 -8.60 -14.97 | -6.32 1 | 22
3Y SIP Return % 8.58 5.65 0.60 | 8.58 1 | 22
5Y SIP Return % 10.27 6.25 3.81 | 10.27 1 | 19
7Y SIP Return % 7.27 5.76 3.18 | 7.27 1 | 17
10Y SIP Return % 6.09 6.13 4.12 | 7.01 11 | 17
Standard Deviation 9.60 1.63 0.88 | 9.60 21 | 21
Semi Deviation 2.44 0.95 0.68 | 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 -0.51 -1.19 | -0.24 4 | 21
Sharpe Ratio 0.66 -0.85 -1.67 | 0.66 1 | 21
Sterling Ratio 1.30 0.58 0.43 | 1.30 1 | 21
Sortino Ratio 1.92 -0.19 -0.46 | 1.92 1 | 21
Return data last Updated On : Jan. 17, 2025.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 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 0.11 ₹ 10,011.00 0.12 ₹ 10,012.00
1M 0.46 ₹ 10,046.00 0.51 ₹ 10,051.00
3M 3.22 ₹ 10,322.00 3.37 ₹ 10,337.00
6M 5.36 ₹ 10,536.00 5.65 ₹ 10,565.00
1Y 8.98 ₹ 10,898.00 9.58 ₹ 10,958.00
3Y 13.70 ₹ 14,700.00 14.23 ₹ 14,905.00
5Y 8.36 ₹ 14,943.00 8.87 ₹ 15,293.00
7Y 4.64 ₹ 13,741.00 5.16 ₹ 14,219.00
10Y 5.70 ₹ 17,405.00 6.35 ₹ 18,516.00
15Y 6.26 ₹ 24,863.00 ₹

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 -6.81 ₹ 11,552.08 -6.32 ₹ 11,584.81
3Y ₹ 36000 8.02 ₹ 40,646.48 8.58 ₹ 40,985.21
5Y ₹ 60000 9.76 ₹ 76,732.56 10.27 ₹ 77,727.18
7Y ₹ 84000 6.78 ₹ 106,941.24 7.27 ₹ 108,805.20
10Y ₹ 120000 5.56 ₹ 159,585.00 6.09 ₹ 164,097.00
15Y ₹ 180000 5.80 ₹ 283,733.82 ₹


Date Bank Of India Short Term Income Fund NAV Regular Growth Bank Of India Short Term Income Fund NAV Direct Growth
17-01-2025 25.75 27.9245
16-01-2025 25.7519 27.9261
15-01-2025 25.7182 27.8892
14-01-2025 25.7053 27.8748
13-01-2025 25.697 27.8653
10-01-2025 25.7221 27.8913
09-01-2025 25.7189 27.8875
08-01-2025 25.715 27.8827
07-01-2025 25.7221 27.8901
06-01-2025 25.7077 27.874
03-01-2025 25.6886 27.8521
02-01-2025 25.6823 27.8448
01-01-2025 25.6824 27.8445
31-12-2024 25.6863 27.8483
30-12-2024 25.6687 27.8288
27-12-2024 25.6524 27.8098
26-12-2024 25.6467 27.8033
24-12-2024 25.6432 27.7987
23-12-2024 25.6437 27.7988
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

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.