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BANK OF INDIA Short Term Income Fund-Direct Plan- Quarterly IDCW

Bank of India · Short Duration
Moderate
₹14.29
Current NAV
27 Oct 2026
4.3%
1Y Return
7.5%
3Y CAGR
10.7%
5Y CAGR
Watchlist
NAV History (1 Year)
Analysis & Suitability
Pros / Upsides
  • Highly cost-efficient with a low expense ratio of 0.38%.
  • Generates significant excess returns relative to benchmark index (Alpha: 6.08).
  • Well-diversified portfolio aligned with the Short Duration mandate.
Cons / Risks
  • Sluggish 3-year performance, lagging behind primary equity benchmarks.
  • Smaller AUM (₹130 Cr) which might lead to higher tracking errors or expense adjustments.
Suitable for
  • Systematic investments (SIP) for long-term target goal-based planning.
Not suitable for
  • Short-term trading or speculative investment horizons.
Risk Profile: Moderate Risk
Low Moderate High Very High
Risk Metrics
1.08
Sharpe Ratio
0.68
Beta
6.08
Alpha
1.49
Sortino
Fund Details
Fund House Bank of India
Category Short Duration
AUM ₹130 Cr
Expense Ratio 0.38%
Min SIP ₹500
Min Lumpsum ₹1000
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