Can I invest in SIP and Lumpsum in Bank of India Short Term Income (IDCW-M) Direct Growth?

Yes, you can invest both lumpsum and SIP in Bank of India Short Term Income (IDCW-M). Minimum lumpsum investment Bank of India Short Term Income (IDCW-M) is ₹5,000 and minimum SIP amount is ₹1,000 . Lumpsum option is ideal for investors with higher investible corpus and market experience. SIP option is recommended for retail investors who do not have the time or expertise to time the market.

What is the NAV of Bank of India Short Term Income (IDCW-M) Direct Growth?

The latest NAV ( Net Asset Value ) of Bank of India Short Term Income (IDCW-M) is Bank of India Short Term Income (IDCW-M) is ₹13.62 as on 2025-05-06.

Which are the biggest stock holdings of Bank of India Short Term Income (IDCW-M)?

The 5 biggest stock holdings of Bank of India Short Term Income (IDCW-M) are: Power Fin.Corpn. (5.08%), S I D B I (5.05%), Bajaj Finance (4.21%), E X I M Bank (3.36%), N A B A R D (2.97%)

What are the top sectors Bank of India Short Term Income (IDCW-M) invests in?

A majority of Bank of India Short Term Income (IDCW-M) 's AUM worth ₹120.49 (Cr) is invested in these 3 top sectors: There is no data for Top 3 sector holdings in the portfolio!

Mutual Funds
AMC
Bank of India Short Term Income (IDCW-M)

Bank of India Short Term Income (IDCW-M)

Short Duration Fund

Invest Now

NAV
13.62(-0.05%)
Fund Size (CR)
₹114.11
Expense Ratio
1
Scheme Type
Active Fund
Value Research

Min. investment
₹5,000
Minimum Additional Investment
₹1,000
Minimum SIP Investment
₹1,000
Minimum Withdrawal
₹1,000
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
0%
Return Since Launch
6.13%

Absolute Return: 2.44%

Annualized Return: 0%

Basic Details

Scheme Manager

Mithraem Bharucha

Bench Mark

CRISIL Short Duration Debt A-II Index

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	28 April 2025	10022.12	0.22%	-	8.41%	137/191
1 Month	4 April 2025	10088.60	0.89%	-	10.04%	182/191
3 Month	5 February 2025	10255.78	2.56%	-	11.83%	182/191
6 Month	5 November 2024	10433.52	4.34%	-	13.82%	178/187
1 Year	3 May 2024	11041.53	10.42%	10.42%	18.17%	16/187
3 Year	5 May 2022	13179.50	31.79%	9.63%	9.45%	13/178
5 Year	5 May 2020	16330.23	63.30%	10.30%	8.16%	13/158
Since Inception	18 December 2008	26507.40	165.07%	6.13%	7.44%	171/191

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	3 June 2024	1,20,000	244738.07	103.95%	103.95%
3 Year	1 June 2022	3,60,000	799973.30	122.21%	30.49%
5 Year	1 June 2020	6,00,000	1515298.28	152.55%	20.36%
10 Year	1 June 2015	12,00,000	3093658.75	157.80%	9.93%

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Expected Returns Rate (%)

Time Period (in Years)

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

1.29%

Standard Deviation

0.08%

Beta

0.67%

Sharpe Ratio

4.69%

Treynor's Ratio

2.50%

Jension's Alpha

Asset Allocation

Sector Allocation

There is no Sector Allocation data

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
There's no data available of Stock Holdings

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Franklin India STI - Direct (IDCW-M) (Wound up)	12.51	192.10%	192.10%	192.10%	192.10%	47.24%
Franklin India STI - Direct (IDCW-Q) (Wound up)	12.51	192.10%	192.10%	192.10%	192.10%	47.24%
Franklin India STI - Direct (G) (Wound up)	12.51	192.10%	192.10%	192.10%	192.10%	47.24%
Franklin India STI - Direct (IDCW-W) (Wound up)	12.51	192.10%	192.10%	192.10%	192.10%	47.24%
Aditya Birla SL Short Term Fund-Dir(IDCW)	8068.03	1.05%	3.06%	4.69%	11.03%	7.81%

List of Schemes under Bank of India Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
Bank of India Midcap Tax Fund - Series 2	Equity	Very High	-2.33%	0	₹29.90
Bank of India Business Cycle Fund	Equity	Very High	0%	0	₹514.97
Bank of India Arbitrage Fund	Hybrid	Low	7.59%	1	₹43.72
Bank of India Small Cap Fund	Equity	Very High	5.39%	4	₹1,574.18
Bank of India Midcap Tax Fund - Series 1	Equity	Very High	-2.98%	0	₹56.79
Bank of India Consumption Fund	Equity	Very High	0%	0	₹388.42
Bank of India Bluechip Fund	Equity	Very High	-0.44%	3	₹184.13
Bank of India ELSS Tax Saver	Equity	Very High	-3.17%	4	₹1,319.59
Bank of India Large & Mid Cap Equity Fund	Equity	Very High	1.98%	2	₹362.39
Bank of India Flexi Cap Fund	Equity	Very High	0.29%	4	₹1,962.03
Bank of India Money Market Fund	Debt	Moderately Low	0%	0	₹158.60
Bank of India Short Term Income Fund	Debt	Moderately Low	11.03%	0	₹114.11
Bank of India Overnight Fund	Debt	Low	6.67%	5	₹41.29
Bank of India Mid & Small Cap Equity & Debt Fund	Hybrid	Very High	4.84%	4	₹1,067.62
Bank of India Manufacturing & Infrastructure Fund	Equity	Very High	1.24%	4	₹513.93
Bank of India Liquid Fund	Debt	Moderately Low	7.37%	4	₹1,523.92
Bank of India Conservative Hybrid Fund	Hybrid	Moderate	5%	3	₹66.49
Bank of India Ultra Short Duration Fund	Debt	Moderate	7.52%	1	₹154.61
Bank of India Multi Cap Fund	Equity	Very High	4.2%	0	₹778.03
Bank of India Multi Asset Allocation Fund	Hybrid	Very High	6.24%	0	₹333.32
Bank of India Credit Risk Fund	Debt	Moderately High	5.94%	2	₹110.06
Bank of India Balanced Advantage Fund	Hybrid	Very High	2.76%	2	₹132.04

News

Bank of India Mutual Fund announces change in Exit Load Structure

Bank of India Mutual Fund has announced change in exit load structure under following scheme stands revised with effect from 02 May 2025

Change in Exit Load:

Name of the Scheme	Existing Exit Load Structure	Revised Exit Load Structure
Bank of India Arbitrage Fund :	' For Redemption/switch out - of up to 10% of the initial units allotted within 30 days from the date of allotment - NIL ' Any Redemption/Switch out - in excess of the above mentioned limit would be subject to an exit load of 0.50%, if the units are switched out within 30 days from the date of allotment of units ' If the units are redeemed/switched out after 30 days from the date of allotment of units - NIL	' Any Redemption/Switch out - would be subject to an exit load of 0.50%, if the units are redeemed/switched out within 15 days from the date of allotment of units. ' If the units are redeemed/switched out after 15 days from the date of allotment of units - NIL

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Bank of India Mutual Fund announces change in Key Personnel
Bank of India Mutual Fund has announced that Mr. Subrat Kumar has been appointed as an Associate Director on the Board of the Trustee Company with effect from April 01, 2025.
Details of Mr. Subrat Kumar,
Age: 54 years
Designation: Associate Director
Qualification:' B.Sc, MBA in Finance, CAIIB
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Fund House Details & Investment Objective

Date of Incorporation

3 December 2008

Total AUM (Cr)

₹120.49

Bank of India Short Term Income (IDCW-M) is an Short Duration Fund-oriented fund from the renowned AMC, Bank of India Mutual Fund. Launched in 3 December 2008, this fund is managed by Mithraem Bharucha. With assets under management (AUM) worth ₹120.49 (Cr), as of 6 May 2025, Bank of India Short Term Income (IDCW-M) is categorized as a Short Duration Fund within its segment. The fund has generated a return of 6.13% since its launch.
The current NAV of Bank of India Short Term Income (IDCW-M) is ₹13.62, as on 6 May 2025. The fund's benchmark index is CRISIL Short Duration Debt A-II Index. You can invest in Bank of India Short Term Income (IDCW-M) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹1,000 while the minimum lumpsum investment is ₹5,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
Nil The fund has generated 9.63% and 10.30% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 98.65% in Debt and 1.35% in cash and cash equivalents.

FAQs

How to Invest in Bank of India Short Term Income (IDCW-M) Direct Growth?

Bank of India Short Term Income (IDCW-M) is a popular fund in the Short Duration Fund segment. The fund has generated a return of 6.13% since inception. Looking to invest in Bank of India Short Term Income (IDCW-M) How about earning 1% extra return? All this is possible with m.Stock! Investing in Bank of India Short Term Income (IDCW-M) is super easy and convenient with m.Stock. Here’s how you can begin:

Login to your m.Stock account. If you do not have an account, open m.Stock Demat account and enjoy 1% extra returns plus Zero Brokerage on Mutual Funds, Delivery & IPO.
In the ‘Menu’ section, under ‘Products’, select ‘Mutual Funds’ .
In the search bar, enter the fund name, in this case, Bank of India Short Term Income (IDCW-M)
On the top right corner you’ll see two options – Lumpsum and SIP. You can choose either based on your risk appetite and available investible corpus.
If you choose to invest a Lumpsum: Use the Lumpsum Calculator to estimate returns, then enter the investment amount, select the payment mode mode (UPI or Netbanking), and click on ‘invest a lumpsum’. Make the payment and your lumpsum investment is complete.
If you choose the SIP route: Utilize the SIP Calculator to forecast potential growth, then enter the SIP amount, SIP date, and set up ‘Autopay’ facility.

So, why wait? Invest in Bank of India Short Term Income (IDCW-M) today and reap the benefits of this Short Duration Fund fund!

How much returns has Bank of India Short Term Income (IDCW-M) Direct Growth generated?

In the short term, i.e., 1 year, Bank of India Short Term Income (IDCW-M) has generated annualised return of 10.42%. In the long-term, the fund has generated 9.63% and 10.30% in 3 and 5 years respectively. Since its inception, the fund has generated 6.13% returns.

What is the expense ratio of Bank of India Short Term Income (IDCW-M) Direct Growth?

The expense ratio of Bank of India Short Term Income (IDCW-M) Direct Growth is 1.00%. Expense ratio is the fees payable by investors of the scheme towards management, research and overall upkeep of the fund. The higher the expense ratio, the lower is the in-hand return for the investor. Expense ratio for direct plans is lower than regular plans, making them ideal for investors.

What is the AUM of Bank of India Short Term Income (IDCW-M) Fund Direct Growth?

The Assets Under Management (AUM) of Bank of India Short Term Income (IDCW-M) is ₹120.49 (Cr) as of 2025-05-06 AUM shows the fund’s popularity and is often indicative of fund strength.

How to redeem or withdraw money from Bank of India Short Term Income (IDCW-M) Direct Growth?

Redeeming or selling units of Bank of India Short Term Income (IDCW-M) is relatively simple. But before you redeem, ensure that the fund has completed the minimum lock-in period else you will be charged an exit load.

To redeem from Bank of India Short Term Income (IDCW-M):

Login to your m.Stock account
In portfolio, your mutual fund investments will be visible under ‘MF’
Select the fund you wish to redeem from (in this case Bank of India Short Term Income (IDCW-M)).
Click on ‘Redeem’ button
You have 2 options – redeem by units and redeem by value (you can only redeem free units)
Select units to be redeemed and click on submit.
Redemption value will be credited to your account in 2-3 working days (as per timelines set by SEBI).