Bank of India Ultra Short Term Fund Direct-Growth
Debt: Ultra Short Term - Growth (Open ended)
SEBI Riskometer: Low to ModerateCategory: Debt: Ultra Short TermBenchmark: CRISIL Ultra Short Duration Debt A-I IndexCheck Portfolio Overlap →
NAV: ₹3,531.55+0.02%
18 Sept 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for Bank of India Ultra 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 | 94.92% | 91.54% | 94.43% | 88.12% | 95.87% | 113.00% |
| Others (incl. cash) | 5.08% | 8.46% | 5.57% | 11.88% | 4.13% | -13.00% |
| 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
22
Top Holding %
8.68%
Top 5 Holdings %
36.57%
Top 10 Holdings %
63.44%
Modified Duration
0.43 yrs
Avg. Maturity
0.43 yrs
Yield to Maturity
6.66%
AUM
₹184 Cr
Expense Ratio
0.42%
Since Inception
7.27%
Max Drawdown
-0.01%
Sharpe Ratio
2.50
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 |
|---|---|---|---|---|---|
| Bajaj Finance Ltd. | Financial | 16,00,000 | 16 | 8.68% | - |
| Power Finance Corporation Ltd. | Financial | 14,00,000 | 13.86 | 7.52% | - |
| Kotak Mahindra Bank Ltd. | Financial | 14,00,000 | 13.73 | 7.45% | -0.68%↓ |
| REC Ltd. | Financial | 12,00,000 | 12.01 | 6.52% | -0.64%↓ |
| Indian Bank | Financial | 12,00,000 | 11.8 | 6.40% | -0.59%↓ |
| National Bank For Agriculture & Rural Development | Financial | 11,00,000 | 10.6 | 5.75% | -0.53%↓ |
| Bank Of Baroda | Financial | 10,00,000 | 9.82 | 5.33% | - |
| Axis Bank Ltd. | Financial | 10,00,000 | 9.7 | 5.27% | - |
| Small Industries Devp. Bank of India Ltd. | Financial | 10,00,000 | 9.71 | 5.27% | -0.48%↓ |
| HDFC Bank Ltd. | Financial | 10,00,000 | 9.68 | 5.25% | - |
| LIC Housing Finance Ltd. GDR/GDS | Financial | 10,00,000 | 9.68 | 5.25% | - |
| Aditya Birla Housing Finance Ltd. | Financial | 10,00,000 | 9.65 | 5.24% | -0.48%↓ |
| ICICI Securities Ltd. | Financial | 10,00,000 | 9.62 | 5.22% | -0.48%↓ |
| Punjab National Bank | Financial | 8,00,000 | 7.73 | 4.19% | - |
| Reserve Bank of India | Financial | 5,00,000 | 4.92 | 2.67% | -0.25%↓ |
| Motilal Oswal Financial Services Ltd. | Financial | 5,00,000 | 4.84 | 2.63% | -0.23%↓ |
| Reserve Bank of India | Financial | 5,00,000 | 4.8 | 2.60% | -0.25%↓ |
| Small Industries Devp. Bank of India Ltd. | Financial | 4,00,000 | 3.79 | 2.05% | -0.20%↓ |
| Reserve Bank of India | Financial | 1,75,000 | 1.72 | 0.93% | -0.09%↓ |
| Reserve Bank of India | Financial | 79,600 | 0.79 | 0.43% | -0.04%↓ |
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+ | 73.98% | 43.99% |
| AAA | 14.04% | 13.02% |
| SOV | 6.63% | 10.77% |
| Cash & Call Money | 5.08% | 14.06% |
| Others | 0.27% | 1.01% |
| A | - | 0.01% |
| A+ | - | 0.01% |
| AA | - | 2.65% |
| AA+ | - | 4.18% |
| AA- | - | 0.58% |
| BBB | - | 1.63% |
| Cash | - | -0.09% |
| D | - | 1.09% |
| Term Deposits | - | 0.01% |
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 |
|---|---|---|---|---|---|
| Bajaj Finance Ltd. | Commercial Paper | 0.00% | 91-D 02/09/2026 | CRISIL A1+ | 8.68% |
| Power Finance Corporation Ltd. | Bonds | 6.27% | 15/07/2027 | CRISIL AAA | 7.52% |
| Kotak Mahindra Bank Ltd. | Certificate of Deposit | 0.00% | 21/12/2026 | CRISIL A1+ | 7.45% |
| REC Ltd. | Debenture | 7.59% | 31/05/2027 | CRISIL AAA | 6.52% |
| Indian Bank | Certificate of Deposit | 0.00% | 04/12/2026 | CRISIL A1+ | 6.40% |
| National Bank For Agriculture & Rural Development | Certificate of Deposit | 0.00% | 17/03/2027 | CRISIL A1+ | 5.75% |
| Bank Of Baroda | Certificate of Deposit | 0.00% | 11/12/2026 | FITCH A1+ | 5.33% |
| Axis Bank Ltd. | Certificate of Deposit | 0.00% | 12/02/2027 | CRISIL A1+ | 5.27% |
| Small Industries Devp. Bank of India Ltd. | Certificate of Deposit | 0.00% | 05/02/2027 | CRISIL A1+ | 5.27% |
| HDFC Bank Ltd. | Certificate of Deposit | 0.00% | 24/02/2027 | CARE A1+ | 5.25% |
| LIC Housing Finance Ltd. GDR/GDS | Commercial Paper | 0.00% | 347-D 23/02/2027 | CRISIL A1+ | 5.25% |
| Aditya Birla Housing Finance Ltd. | Commercial Paper | 0.00% | 363-D 09/03/2027 | CRISIL A1+ | 5.24% |
| ICICI Securities Ltd. | Certificate of Deposit | 0.00% | 15/06/2027 | CRISIL A1+ | 5.22% |
| Punjab National Bank | Certificate of Deposit | 0.00% | 12/03/2027 | CRISIL A1+ | 4.19% |
| Reserve Bank of India | Treasury Bills | 0.00% | 364-D 25/12/2026 | SOV | 2.67% |
| Motilal Oswal Financial Services Ltd. | Commercial Paper | 0.00% | 364-D 05/02/2027 | CRISIL A1+ | 2.63% |
| Reserve Bank of India | Treasury Bills | 0.00% | 364-D 28/05/2027 | SOV | 2.60% |
| Small Industries Devp. Bank of India Ltd. | Certificate of Deposit | 0.00% | 11/06/2027 | CRISIL A1+ | 2.05% |
| Reserve Bank of India | Treasury Bills | 0.00% | 364-D 07/01/2027 | SOV | 0.93% |
| Reserve Bank of India | Treasury Bills | 0.00% | 364-D 08/10/2026 | SOV | 0.43% |
Frequently Asked Questions
What are the top holdings of Bank of India Ultra Short Term Fund Direct-Growth?
The top holdings of Bank of India Ultra Short Term Fund Direct-Growth as of 31 Aug 2026 are Bajaj Finance Ltd. (8.68%), Power Finance Corporation Ltd. (7.52%), Kotak Mahindra Bank Ltd. (7.45%), REC Ltd. (6.52%), Indian Bank (6.40%). These top 5 stocks together account for 36.57% of the total portfolio. You can view the complete holdings breakdown above.
How many stocks does Bank of India Ultra Short Term Fund Direct-Growth hold in its portfolio?
Bank of India Ultra Short Term Fund Direct-Growth holds 22 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 Ultra Short Term Fund Direct-Growth?
The sector allocation of Bank of India Ultra Short Term Fund Direct-Growth is shown in the Sector Allocation section above.
What is the equity and debt allocation of Bank of India Ultra Short Term Fund Direct-Growth?
As of 31 Aug 2026, Bank of India Ultra Short Term Fund Direct-Growth has 0.00% allocated to equity, and 94.92% to debt. You can also check the historical trends above.
What is the market cap allocation of Bank of India Ultra Short Term Fund Direct-Growth?
The market cap allocation of Bank of India Ultra Short Term Fund Direct-Growth is shown in the Holdings Analysis section above.
What is the PE ratio of Bank of India Ultra Short Term Fund Direct-Growth's portfolio?
The portfolio PE ratio of Bank of India Ultra Short Term Fund Direct-Growth is shown in the Holdings Analysis section above.
What is the credit quality of Bank of India Ultra Short Term Fund Direct-Growth?
As of 31 Aug 2026, Bank of India Ultra Short Term Fund Direct-Growth's debt portfolio has 14.04% in AAA-rated instruments, - in AA-rated, and 6.63% 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 Ultra Short Term Fund Direct-Growth?
The latest portfolio disclosure for Bank of India Ultra 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.