Bank Of India Short Term Income Fund Datagrid
Category Short Duration Fund
BMSMONEY Rank 4
Rating
Growth Option 04-12-2025
NAV ₹27.46(R) +0.01% ₹29.92(D) +0.01%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 7.25% 7.38% 10.14% 4.88% 5.61%
Direct 7.84% 7.93% 10.64% 5.39% 6.23%
Benchmark
SIP (XIRR) Regular 6.7% 7.84% 8.9% 8.1% 6.48%
Direct 7.29% 8.42% 9.45% 8.62% 7.01%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.93 2.69 1.0 2.82% 0.05
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
4.36% 0.0% 0.0% 0.88 1.17%
Fund AUM As on: 30/06/2025 134 Cr
Top Short Duration Fund
Fund Name Rank Rating
Hdfc Short Term Debt Fund 1
Axis Short Term Fund 2
Icici Prudential Short Term Fund 3
Bank of India Short Term Income Fund 4
Nippon India Short Term Fund 5

NAV Date: 04-12-2025

Scheme Name NAV Rupee Change Percent Change
BANK OF INDIA Short Term Income Fund-Direct Plan- Quarterly IDCW 13.79
0.0000
0.0100%
BANK OF INDIA Short Term Income Fund-Regular Plan- Quarterly IDCW 13.88
0.0000
0.0100%
BANK OF INDIA Short Term Income Fund-Regular Plan- Monthly IDCW 14.09
0.0000
0.0100%
BANK OF INDIA Short Term Income Fund-Direct Plan- Monthly IDCW 14.55
0.0000
0.0100%
BANK OF INDIA Short Term Income Fund-Regular Plan- Growth 27.46
0.0000
0.0100%
BANK OF INDIA Short Term Income Fund-Direct Plan- Growth 29.92
0.0000
0.0100%

Review Date: 04-12-2025

Beginning of Analysis

Bank of India Short Term Income Fund is the second ranked fund in the Short Duration Fund category. The category has total 21 funds. The Bank of India Short Term Income Fund has shown an excellent past performence in Short Duration Fund. The fund has a Jensen Alpha of 2.82% which is higher than the category average of 2.15%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 0.93 which is lower than the category average of 1.63.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Short Duration Mutual Funds are ideal for conservative investors seeking stable returns with lower interest rate risk. These funds invest in debt and money market instruments with a portfolio duration of 1 to 3 years, making them less sensitive to interest rate changes compared to long-duration funds. While they offer moderate returns with relatively lower risk, they may underperform in a falling interest rate environment. Investors should carefully assess their risk tolerance, investment horizon, and financial goals before investing in these funds. Additionally, choosing funds managed by experienced professionals can help optimize risk-adjusted returns.

Bank of India Short Term Income Fund Return Analysis

  • The fund has given a return of 0.47%, 1.72 and 2.84 in last one, three and six months respectively. In the same period the category average return was 0.47%, 1.84% and 2.79% respectively.
  • Bank of India Short Term Income Fund has given a return of 7.84% in last one year. In the same period the Short Duration Fund category average return was 8.25%.
  • The fund has given a return of 7.93% in last three years and ranked 15.0th out of 21 funds in the category. In the same period the Short Duration Fund category average return was 8.0%.
  • The fund has given a return of 10.64% in last five years and ranked 1st out of 18 funds in the category. In the same period the Short Duration Fund category average return was 6.67%.
  • The fund has given a return of 6.23% in last ten years and ranked 16th out of 16 funds in the category. In the same period the category average return was 7.43%.
  • The fund has given a SIP return of 7.29% in last one year whereas category average SIP return is 7.59%. The fund one year return rank in the category is 18th in 21 funds
  • The fund has SIP return of 8.42% in last three years and ranks 5th in 21 funds. Icici Prudential Short Term Fund has given the highest SIP return (8.55%) in the category in last three years.
  • The fund has SIP return of 9.45% in last five years whereas category average SIP return is 6.86%.

Bank of India Short Term Income Fund Risk Analysis

  • The fund has a standard deviation of 4.36 and semi deviation of 1.17. The category average standard deviation is 1.14 and semi deviation is 0.68.
  • The fund has a beta of 0.96 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Short Duration Fund Category
  • Good Performance in Short Duration Fund Category
  • Poor Performance in Short Duration Fund Category
  • Very Poor Performance in Short Duration Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.43
    0.42
    		0.33 | 0.56 8 | 21 Good
    3M Return % 1.58
    1.68
    		1.43 | 1.95 16 | 21 Average
    6M Return % 2.56
    2.46
    		2.01 | 2.97 7 | 21 Good
    1Y Return % 7.25
    7.57
    		6.89 | 8.19 18 | 21 Average
    3Y Return % 7.38
    7.30
    		6.58 | 7.81 11 | 21 Good
    5Y Return % 10.14
    5.95
    		4.79 | 10.14 1 | 18 Very Good
    7Y Return % 4.88
    6.59
    		4.88 | 7.49 17 | 17 Poor
    10Y Return % 5.61
    6.71
    		5.61 | 7.48 16 | 16 Poor
    15Y Return % 6.43
    7.50
    		6.43 | 8.26 13 | 13 Poor
    1Y SIP Return % 6.70
    6.91
    		6.07 | 7.57 17 | 21 Average
    3Y SIP Return % 7.84
    7.53
    		6.97 | 7.99 5 | 21 Very Good
    5Y SIP Return % 8.90
    6.17
    		5.31 | 8.90 1 | 18 Very Good
    7Y SIP Return % 8.10
    6.32
    		5.13 | 8.10 1 | 17 Very Good
    10Y SIP Return % 6.48
    6.44
    		5.32 | 7.09 8 | 16 Good
    15Y SIP Return % 6.12
    6.83
    		6.12 | 7.40 14 | 14 Poor
    Standard Deviation 4.36
    1.14
    		0.78 | 4.36 21 | 21 Poor
    Semi Deviation 1.17
    0.68
    		0.51 | 1.17 21 | 21 Poor
    Max Drawdown % 0.00
    -0.07
    		-0.37 | 0.00 9 | 21 Good
    Average Drawdown % 0.00
    -0.07
    		-0.37 | 0.00 9 | 21 Good
    Sharpe Ratio 0.93
    1.63
    		0.93 | 2.55 21 | 21 Poor
    Sterling Ratio 1.00
    0.75
    		0.67 | 1.00 1 | 21 Very Good
    Sortino Ratio 2.69
    1.22
    		0.57 | 2.69 1 | 21 Very Good
    Jensen Alpha % 2.82
    2.15
    		1.14 | 3.37 4 | 21 Very Good
    Treynor Ratio 0.05
    0.03
    		0.02 | 0.05 1 | 21 Very Good
    Modigliani Square Measure % 2.53
    7.01
    		2.53 | 9.41 21 | 21 Poor
    Alpha % 2.03
    -0.64
    		-1.42 | 2.03 1 | 21 Very Good
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.47 0.47 0.40 | 0.61 10 | 21 Good
    3M Return % 1.72 1.84 1.67 | 2.11 17 | 21 Average
    6M Return % 2.84 2.79 2.43 | 3.28 8 | 21 Good
    1Y Return % 7.84 8.25 7.67 | 8.76 19 | 21 Poor
    3Y Return % 7.93 8.00 7.46 | 8.39 15 | 21 Average
    5Y Return % 10.64 6.67 5.84 | 10.64 1 | 18 Very Good
    7Y Return % 5.39 7.30 5.39 | 8.23 17 | 17 Poor
    10Y Return % 6.23 7.43 6.23 | 8.26 16 | 16 Poor
    1Y SIP Return % 7.29 7.59 6.94 | 8.21 18 | 21 Average
    3Y SIP Return % 8.42 8.22 7.63 | 8.55 5 | 21 Very Good
    5Y SIP Return % 9.45 6.86 6.13 | 9.45 1 | 18 Very Good
    7Y SIP Return % 8.62 7.02 6.28 | 8.62 1 | 17 Very Good
    10Y SIP Return % 7.01 7.14 6.49 | 7.83 10 | 16 Average
    Standard Deviation 4.36 1.14 0.78 | 4.36 21 | 21 Poor
    Semi Deviation 1.17 0.68 0.51 | 1.17 21 | 21 Poor
    Max Drawdown % 0.00 -0.07 -0.37 | 0.00 9 | 21 Good
    Average Drawdown % 0.00 -0.07 -0.37 | 0.00 9 | 21 Good
    Sharpe Ratio 0.93 1.63 0.93 | 2.55 21 | 21 Poor
    Sterling Ratio 1.00 0.75 0.67 | 1.00 1 | 21 Very Good
    Sortino Ratio 2.69 1.22 0.57 | 2.69 1 | 21 Very Good
    Jensen Alpha % 2.82 2.15 1.14 | 3.37 4 | 21 Very Good
    Treynor Ratio 0.05 0.03 0.02 | 0.05 1 | 21 Very Good
    Modigliani Square Measure % 2.53 7.01 2.53 | 9.41 21 | 21 Poor
    Alpha % 2.03 -0.64 -1.42 | 2.03 1 | 21 Very Good
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

    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.


    Date Bank Of India Short Term Income Fund NAV Regular Growth Bank Of India Short Term Income Fund NAV Direct Growth
    04-12-2025 27.4561 29.9185
    03-12-2025 27.4536 29.9153
    02-12-2025 27.4543 29.9156
    01-12-2025 27.4423 29.9021
    28-11-2025 27.4446 29.9033
    27-11-2025 27.4488 29.9074
    26-11-2025 27.4475 29.9055
    25-11-2025 27.4365 29.8931
    24-11-2025 27.4172 29.8716
    21-11-2025 27.3949 29.846
    20-11-2025 27.4029 29.8542
    19-11-2025 27.4023 29.8531
    18-11-2025 27.3957 29.8455
    17-11-2025 27.3867 29.8352
    14-11-2025 27.3826 29.8294
    13-11-2025 27.3862 29.8329
    12-11-2025 27.3868 29.8331
    11-11-2025 27.3804 29.8256
    10-11-2025 27.3793 29.8241
    07-11-2025 27.3577 29.7991
    06-11-2025 27.3521 29.7926
    04-11-2025 27.3396 29.7781

    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.