Bank of India Short Term Fund Direct-Growth
Debt: Short Term - Growth (Open ended)
SEBI Riskometer: Low to ModerateCategory: Debt: Short TermBenchmark: CRISIL Short Duration Debt A-II IndexCheck Portfolio Overlap →
NAV: ₹31.1+0.03%
18 Sept 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for Bank of India Short Term Fund Direct-Growth.
Historical Asset Allocation
| Asset | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 |
|---|---|---|---|---|---|---|
| Equity | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Debt | 94.72% | 89.32% | 95.58% | 87.39% | 95.65% | 90.62% |
| Others (incl. cash) | 5.28% | 10.68% | 4.42% | 12.61% | 4.35% | 9.38% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Portfolio Snapshot
No. of Securities
28
Top Holding %
8.06%
Top 5 Holdings %
36.76%
Top 10 Holdings %
61.51%
Modified Duration
2.05 yrs
Avg. Maturity
2.63 yrs
Yield to Maturity
7.12%
AUM
₹260 Cr
Expense Ratio
0.54%
Since Inception
6.84%
Max Drawdown
-0.20%
Sharpe Ratio
1.09
Top Portfolio Holdings by Weight
Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.
| Instrument | Sector | No. of Shares | Value (Rs. Cr) | Weight | Change |
|---|---|---|---|---|---|
| Power Finance Corporation Ltd. | Financial | 21,00,000 | 20.96 | 8.06% | 5.84%↑ |
| GOI | Sovereign | 20,66,800 | 20.65 | 7.94% | 3.99%↑ |
| LIC Housing Finance Ltd. | Financial | 20,00,000 | 19.84 | 7.63% | 0.33%↑ |
| L&T Finance Ltd. | Financial | 20,00,000 | 19.24 | 7.39% | 0.37%↑ |
| GOI | Sovereign | 15,36,600 | 14.92 | 5.74% | 0.22%↑ |
| Canara Bank | Financial | 15,00,000 | 14.49 | 5.57% | 0.28%↑ |
| Small Industries Devp. Bank of India Ltd. | Financial | 15,00,000 | 14.2 | 5.46% | 0.27%↑ |
| Torrent Pharmaceuticals Ltd. | Healthcare | 12,00,000 | 11.92 | 4.58% | 0.19%↑ |
| Muthoot Finance Ltd. | Financial | 10,00,000 | 10.03 | 3.86% | 0.17%↑ |
| Godrej Industries Ltd. | Consumer Staples | 10,00,000 | 10.03 | 3.85% | 0.16%↑ |
| Indian Railway Finance Corporation Ltd. | Financial | 10,00,000 | 9.98 | 3.83% | 0.14%↑ |
| HDFC Bank Ltd. | Financial | 10,00,000 | 9.87 | 3.79% | 0.19%↑ |
| ICICI Securities Ltd. | Financial | 10,00,000 | 9.62 | 3.70% | 0.19%↑ |
| Vedanta Ltd. | Metals & Mining | 8,00,000 | 8.04 | 3.09% | 0.13%↑ |
| GOI | Sovereign | 5,00,000 | 5.09 | 1.96% | 0.09%↑ |
| Vedanta Ltd. | Metals & Mining | 5,00,000 | 5.06 | 1.95% | 0.09%↑ |
| Bajaj Finance Ltd. | Financial | 5,00,000 | 5.01 | 1.92% | 0.08%↑ |
| National Bank For Agriculture & Rural Development | Financial | 5,00,000 | 4.99 | 1.92% | 0.08%↑ |
| Muthoot Finance Ltd. | Financial | 5,00,000 | 4.97 | 1.91% | 0.08%↑ |
| National Bank For Agriculture & Rural Development | Financial | 5,00,000 | 4.95 | 1.90% | 0.07%↑ |
1 / 2
Debt Holdings — Credit Quality Profile
Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.
| Rating | Fund | Category |
|---|---|---|
| A1+ | 30.36% | 6.48% |
| AAA | 26.60% | 41.52% |
| AA+ | 19.24% | 3.96% |
| SOV | 18.22% | 18.19% |
| Cash & Call Money | 5.28% | 16.98% |
| Others | 0.30% | 0.77% |
| A | - | 0.05% |
| A+ | - | 1.04% |
| A- | - | 0.01% |
| A1 | - | 0.01% |
| AA | - | 2.33% |
| AA- | - | 0.29% |
| B+ | - | 1.88% |
| BBB | - | 0.82% |
| BBB+ | - | 0.07% |
| D | - | 0.04% |
| Term Deposits | - | 0.05% |
Debt Insights
A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.
SEBI PRC matrix
Credit risk
| Interest risk | |||
|---|---|---|---|
| Low | Moderate | High | |
| Low | |||
| Moderate | |||
| High | |||
Instruments
| Full name | Description | Coupon rate | Maturity | Rating raw | Weight |
|---|---|---|---|---|---|
| Power Finance Corporation Ltd. | Non Convertible Debenture | 7.60% | 13/04/2029 | CRISIL AAA | 8.06% |
| GOI | GOI Securities | 6.94% | 11/05/2036 | SOV | 7.94% |
| LIC Housing Finance Ltd. | Non Convertible Debenture | 6.90% | 17/09/2027 | CRISIL AAA | 7.63% |
| L&T Finance Ltd. | Commercial Paper | 0.00% | 364-D 19/03/2027 | CRISIL A1+ | 7.39% |
| GOI | GOI Securities | 6.48% | 06/10/2035 | SOV | 5.74% |
| Canara Bank | Certificate of Deposit | 0.00% | 12/03/2027 | ICRA A1+ | 5.57% |
| Small Industries Devp. Bank of India Ltd. | Certificate of Deposit | 0.00% | 11/06/2027 | CRISIL A1+ | 5.46% |
| Torrent Pharmaceuticals Ltd. | Non Convertible Debenture | 7.60% | 19/01/2029 | ICRA AA+ | 4.58% |
| Muthoot Finance Ltd. | Non Convertible Debenture | 8.90% | 07/10/2027 | CRISIL AA+ | 3.86% |
| Godrej Industries Ltd. | Non Convertible Debenture | 8.40% | 27/08/2027 | CRISIL AA+ | 3.85% |
| Indian Railway Finance Corporation Ltd. | Non Convertible Debenture | 7.37% | 31/07/2029 | CRISIL AAA | 3.83% |
| HDFC Bank Ltd. | Certificate of Deposit | 0.00% | 13/11/2026 | CRISIL A1+ | 3.79% |
| ICICI Securities Ltd. | Certificate of Deposit | 0.00% | 15/06/2027 | CRISIL A1+ | 3.70% |
| Vedanta Ltd. | Debenture | 8.95% | 16/03/2029 | CRISIL AA+ | 3.09% |
| GOI | GOI Securities | 7.10% | 18/04/2029 | SOV | 1.96% |
| Vedanta Ltd. | Debenture | 9.45% | 05/06/2028 | CRISIL AA+ | 1.95% |
| Bajaj Finance Ltd. | Non Convertible Debenture | 8.12% | 10/05/2027 | CRISIL AAA | 1.92% |
| National Bank For Agriculture & Rural Development | Bonds | 7.48% | 15/09/2028 | CRISIL AAA | 1.92% |
| Muthoot Finance Ltd. | Debenture | 8.05% | 25/11/2027 | CRISIL AA+ | 1.91% |
| National Bank For Agriculture & Rural Development | Bonds | 7.40% | 25-D 29/04/2030 | CRISIL AAA | 1.90% |
| Punjab State | State Development Loan | 6.98% | 29/09/2033 | SOV | 1.86% |
| Godrej Housing Finance Ltd. | Commercial Paper | 0.00% | 364-D 19/03/2027 | CRISIL A1+ | 1.85% |
| Punjab National Bank | Certificate of Deposit | 0.00% | 04/02/2027 | CRISIL A1+ | 1.49% |
| National Bank For Agriculture & Rural Development | Debenture | 7.68% | 30/04/2029 | CRISIL AAA | 1.34% |
| Punjab National Bank | Certificate of Deposit | 0.00% | 12/03/2027 | CRISIL A1+ | 1.11% |
| Reserve Bank of India | Treasury Bills | 0.00% | 364-D 07/01/2027 | SOV | 0.72% |
Frequently Asked Questions
What are the top holdings of Bank of India Short Term Fund Direct-Growth?
The top holdings of Bank of India Short Term Fund Direct-Growth as of 31 Aug 2026 are Power Finance Corporation Ltd. (8.06%), GOI (7.94%), LIC Housing Finance Ltd. (7.63%), L&T Finance Ltd. (7.39%), GOI (5.74%). These top 5 stocks together account for 36.76% of the total portfolio. You can view the complete holdings breakdown above.
How many stocks does Bank of India Short Term Fund Direct-Growth hold in its portfolio?
Bank of India Short Term Fund Direct-Growth holds 28 stocks in its portfolio as of 31 Aug 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.
What is the sector allocation of Bank of India Short Term Fund Direct-Growth?
The sector allocation of Bank of India Short Term Fund Direct-Growth is shown in the Sector Allocation section above.
What is the equity and debt allocation of Bank of India Short Term Fund Direct-Growth?
As of 31 Aug 2026, Bank of India Short Term Fund Direct-Growth has 0.00% allocated to equity, and 94.72% to debt. You can also check the historical trends above.
What is the market cap allocation of Bank of India Short Term Fund Direct-Growth?
The market cap allocation of Bank of India Short Term Fund Direct-Growth is shown in the Holdings Analysis section above.
What is the PE ratio of Bank of India Short Term Fund Direct-Growth's portfolio?
The portfolio PE ratio of Bank of India Short Term Fund Direct-Growth is shown in the Holdings Analysis section above.
What is the credit quality of Bank of India Short Term Fund Direct-Growth?
As of 31 Aug 2026, Bank of India Short Term Fund Direct-Growth's debt portfolio has 26.60% in AAA-rated instruments, 19.24% in AA-rated, and 18.22% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.
When is the latest portfolio disclosure for Bank of India Short Term Fund Direct-Growth?
The latest portfolio disclosure for Bank of India Short Term Fund Direct-Growth is as of 31 Aug 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.