bank-of-india-short-term-income-direct-g

Bank of India Short Term Income - Direct (G)

  1. Equity
  2. Growth
  • NAV as on Jul 02, 2025 ₹29.19
  • Total Returns 6.98% p.a.

Historical NAV, Returns and Performance

  • High
  • Low
  • CAGR
bank-of-india-short-term-income-direct-g

Overview of Bank of India Short Term Income - Direct (G)

  • Fund House
    Bank of India Short Term Income Fund
  • Fund Size
    ₹145 Cr
  • Expense Ratio
    0.45%
  • Benchmark
    CRISIL Short Duration Debt A-II Index
  • Risk Level
    Moderately Low
  • Inception Date
    Jan 03, 2013
  • Lock-in period
    0
  • Exit Load
    Nil
  • Minimum SIP Investment
    ₹1000
  • Minimum Lump sum Investment
    ₹5000
  • Short Term Capital Gains
    20% (if redeemed within 1 year)
  • Long Term Capital Gains
    12.5% on profit of ₹1,25,000 if redeemed after 1 year

Bank of India Short Term Income - Direct (G) Returns Calculator

Investment type

Years
Total Invested Amount
₹ 12,00,000
Profit
₹ 12,00,000
Total Projected Returns
₹ 12,00,000
Annualised Returns
p.a.
Years
Total Invested Amount
Profit
₹1,00,000
Total Projected Returns
₹1,00,000
Annualised Returns
% p.a.

Bank of India Short Term Income - Direct (G) Performance vs Category

Time Period

  • 1 month
  • 3 months
  • 6 months
  • 1 year
  • 3 years
  • 5 years

This Fund

  • 0.35%
  • 2.48%
  • 4.73%
  • 10.81%
  • 10.36%
  • 10.64%

Category Average

  • 0.31%
  • 2.63%
  • 5.03%
  • 9.29%
  • 7.69%
  • 6.37%

Fund Asset Allocation

Top holdings

Top Sectors

More about Bank of India Short Term Income - Direct (G)

Bank of India Short Term Income - Direct (G) is a mutual fund under the Growth category, managed by Bank of India Mutual Fund. It was launched on 13 Aug 2007, and has been active for over 18 years. As of 31 Mar 2025 the fund manages assets worth ₹145 Crores. The expense ratio is 0.45%.

This fund generated returns of 10.81% in the last 1 year. Since its inception, it has provided an average annual return of 6.98%.

The fund's investments are mainly concentrated in sectors like and .

The top five holdings in this fund include prominent companies such as Reverse Repo, TREPS, REC Ltd, I R F C and S I D B I.

Fund Managers

  • Mithraem Bharucha

Investment Objective

To generate income and capital appreciation by investing in a diversified portfolio of debt and money market securities. However, there can be no assurance that the income can be generated, regular or otherwise, or the investment objectives of the Scheme will be realized.

bank-of-india-short-term-income-direct-g

Frequently Asked Questions about Bank of India Short Term Income - Direct (G)

  1. Are {{fund_type}} risky?

    Growth funds carry higher risk since they invest in stocks expected to grow quickly, which can be volatile.

  2. Should I invest in {{fund_type}}?

    Yes, if you are looking for long-term capital appreciation and can handle short-term market ups and downs.

  3. How long should I stay invested in {{fund_type}}?

    It’s recommended to hold growth funds for at least five years to benefit from potential growth.

  4. Can I withdraw my investment from {{fund_type}} anytime?

    Yes, you can, but long-term holding is advised for best results.

  5. What are the expenses involved in {{fund_type}}?

    Growth funds usually have moderate to high expense ratios, around 1% to 2%, due to active management.

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