Regular Plan · Growth · Mutual fund · Scheme code 111585
NAV₹28.3951as on 25 Sep 2026
Fund houseBank of India Mutual Fund
CategoryMutual fund
Plan & optionRegular · Growth
History17.7 years
Returns (%)
1M
3M
6M
1Y
3Y
5Y
7Y
10Y
Launch
This scheme
0.06
1.27
2.65
4.86
7.04
10.28
7.84
5.21
5.94
Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published
NAV history for this scheme.
Risk
Volatility
Sharpe
Sortino
Beta
Alpha
Max fall
R²
This scheme
5.4%
0.10
0.15
—
—
-20.2%
—
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
Drawdown from peak (%)
Every one-year period it has lived through
Windows
Worst
Median
Best
Periods that lost money
808
-19.8%
7.2%
28.0%
11%
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.
BANK OF INDIA SHORT TERM FUND
Regular Plan · Growth
Allocation
By asset
Debt
94.42%
Cash & Equivalents
5.28%
Unclassified
0.30%
By market cap
Unclassified
184.04%
Concentration
Number of stocks
27
Top 5 stocks
36.76%
Top 10 stocks
60.08%
Top 20 stocks
86.05%
Lines in the filing
29
Largest holding
8.06%
Largest sector
CRISIL AAA 26.60%
Effective stocks
21.2
Sectors held
7
Cash
5.28%
Effective stocks is what the concentration works out to: a fund holding
27 names but most of its money in a few
behaves like a fund of 21. Cash includes repo and TREPS, which
every fund parks money in overnight.
Sector split
CRISIL AAA
26.60%
CRISIL A1+
24.79%
SOVEREIGN
18.22%
CRISIL AA+
14.66%
ICRA A1+
5.57%
ICRA AA+
4.58%
Cash & Equivalents
3.40%
1.88%
Unclassified
0.30%
BANK OF INDIA SHORT TERM FUND
Regular Plan · Growth · holdings
Top 30 holdings
#
Company
Sector
Shares held
Value ₹ cr
% of fund
1
7.6% Power Finance Corporation Limited (13/04/2029)
CRISIL AAA
2,100,000
21
8.06%
2
6.94% Government of India (11/05/2036)
SOVEREIGN
2,066,800
21
7.94%
3
6.90% LIC Housing Finance Limited (17/09/2027)
CRISIL AAA
2,000,000
20
7.63%
4
L&T Finance Limited (19/03/2027)
CRISIL A1+
2,000,000
19
7.39%
5
6.48% Government of India (06/10/2035)
SOVEREIGN
1,536,600
15
5.74%
6
Canara Bank (12/03/2027)
ICRA A1+
1,500,000
14
5.57%
7
Small Industries Dev Bank of India (11/06/2027)
CRISIL A1+
1,500,000
14
5.46%
8
7.6% Torrent Pharmaceuticals Limited (19/01/2029)
ICRA AA+
1,200,000
12
4.58%
9
8.9% Muthoot Finance Limited (07/10/2027)
CRISIL AA+
1,000,000
10
3.86%
10
8.40% Godrej Industries Limited (27/08/2027)
CRISIL AA+
1,000,000
10
3.85%
11
7.37% Indian Railway Finance Corporation Limited (31/07/2029)
CRISIL AAA
1,000,000
10
3.83%
12
HDFC Bank Limited (13/11/2026)
CRISIL A1+
1,000,000
10
3.79%
13
ICICI Securities Limited (15/03/2027)
CRISIL A1+
1,000,000
10
3.70%
14
Net Receivables / (Payables)
Unclassified
—
9
3.40%
15
8.95% Vedanta Limited (16/03/2029)
CRISIL AA+
800,000
8
3.09%
16
7.1% Government of India (18/04/2029)
SOVEREIGN
500,000
5
1.96%
17
9.45% Vedanta Limited (05/06/2028)
CRISIL AA+
500,000
5
1.95%
18
7.48% National Bank For Agriculture and Rural Development (15/09/2028)
CRISIL AAA
500,000
5
1.92%
19
8.1167% Bajaj Finance Limited (10/05/2027)
CRISIL AAA
500,000
5
1.92%
20
8.05% Muthoot Finance Limited (25/11/2027)
CRISIL AA+
500,000
5
1.91%
21
7.40 % National Bank For Agriculture and Rural Development (29/04/2030)
CRISIL AAA
500,000
5
1.90%
22
TREPS
—
5
1.88%
23
6.98% State Government Securities (29/09/2033)
SOVEREIGN
500,000
5
1.86%
24
Godrej Housing Finance Limited (19/03/2027)
CRISIL A1+
500,000
5
1.85%
25
Punjab National Bank (04/02/2027)
CRISIL A1+
400,000
4
1.49%
26
7.68% National Bank For Agriculture and Rural Development (30/04/2029)
CRISIL AAA
350,000
4
1.34%
27
Punjab National Bank (12/03/2027)
CRISIL A1+
300,000
3
1.11%
28
364 Days Tbill (MD 07/01/2027)
SOVEREIGN
190,000
2
0.72%
29
Corporate Debt Market Development Fund
Unclassified
663
1
0.30%
BANK OF INDIA SHORT TERM FUND
Regular Plan · Growth · where the money sits
What the manager did last month
Between the filings of 30 Jun 2026 and 31 Jul 2026.
A position grows because the manager bought or because the price rose; only the share count separates them.
Bought
Sold
New positions
Sold out of
Price move of holdings
₹5 cr
₹11 cr
2
2
+0.03%
Stock
Shares traded
Shares
Price
Value ₹ cr
New position
REPO
—
entered
—
20.3
ICICI Securities Limited (15/03/2027)
1,000,000
entered
—
9.6
Added to
6.94% Government of India (11/05/2036)
500,000
+88.2%
-0.7%
5.0
Trimmed
Punjab National Bank (04/02/2027)
1,100,000
-73.3%
+0.5%
10.6
Sold out of
7.49% Small Industries Dev Bank of India (11/06/2029)
1,000,000
exited
—
10.1
Canara Bank (08/01/2027)
1,000,000
exited
—
9.7
The list above is stocks and fund units. Treasury bills, repo and money-market
lines roll over every month by design — they are not decisions, so they are totalled here rather
than listed as activity.
A ₹10,000 monthly SIP over five years
Invested
Value
Gain
XIRR
₹600,000
₹734,561
₹134,561
8.03%
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 28 Sep 2026.
