{"id":243198,"date":"2026-09-11T10:39:55","date_gmt":"2026-09-11T05:09:55","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/bank-of-india-short-term-fund-direct-growth-review-2026\/"},"modified":"2026-09-11T10:39:55","modified_gmt":"2026-09-11T05:09:55","slug":"bank-of-india-short-term-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/bank-of-india-short-term-fund-direct-growth-review-2026\/","title":{"rendered":"Bank of India Short Term Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/bank-of-india-short-term-fund-g-direct-plan\">Bank of India Short Term Fund Direct Growth Plan<\/a> trades at \u20b931.1342 as of 10 Sep 2026, with an AUM of \u20b9260 Cr. Its 1-year, 3-year and 5-year returns are 5.68%, 7.73% and 10.84% respectively, and the scheme is tagged as Medium Risk. Our view is that it suits conservative debt investors who want steady compounding rather than sharp return swings.<\/p>\n<p>The fund has a relatively contained portfolio and a short-term debt orientation, so its appeal is more about stability and rate-led accrual than aggressive upside. The recent return pattern is softer than the longer-term pace, but the 5-year number still points to a disciplined compounding profile for investors willing to stay invested through market-rate changes.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-short-term-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-short-term-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-short-term-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Bank_of_India_Short_Term\" title=\"Should you BUY or HOLD Bank of India Short Term?\">Should you BUY or HOLD Bank of India Short Term?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-short-term-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-short-term-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-short-term-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-short-term-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-short-term-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-short-term-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-short-term-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-short-term-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b931.1342 as of 10 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b9260 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.45%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>01 Jan 2013<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b91,000<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Medium Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Debt<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Mithraem Bharucha<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Mithraem Bharucha.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>0.29%<\/td>\n<td>-4.06%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>1.82%<\/td>\n<td>1.37%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>5.68%<\/td>\n<td>-7.31%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>7.73%<\/td>\n<td>6.07%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>10.84%<\/td>\n<td>5.91%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The recent picture is constructive. Over 1 month and 3 months, the fund stayed positive while the benchmark was weaker over 1 month and only mildly positive over 3 months. That tells us the scheme has recently held up better than the benchmark in softer periods, even though the monthly gains are modest.<\/p>\n<p>The 1-year return is more telling. The fund delivered 5.68% while the benchmark was negative at -7.31%, which is a clear gap in favour of the scheme. For debt-oriented investors, that kind of divergence usually matters more than a one-off month because it shows how the portfolio behaved across changing rate conditions.<\/p>\n<p>Over longer periods, the fund\u2019s 3-year and 5-year returns remain stronger than the benchmark at 7.73% versus 6.07% and 10.84% versus 5.91%. The pattern suggests the fund has been able to compound more smoothly than the benchmark over time, even if the latest year was not as strong as its multi-year pace. In our view, that combination points to consistency rather than high drama.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_Bank_of_India_Short_Term\"><\/span>Should you BUY or HOLD Bank of India Short Term?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding Bank of India Short Term? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/bank-of-india-short-term-fund-g-direct-plan\">Bank of India Short Term Fund Direct Growth Plan<\/a><\/td>\n<td>5.68%<\/td>\n<td>7.73%<\/td>\n<td>10.84%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/tata-ultra-short-term-fund-g-direct-plan\">Tata Ultra Short Term Fund Direct Growth Plan<\/a><\/td>\n<td>7.13%<\/td>\n<td>7.55%<\/td>\n<td>6.77%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-ultra-short-term-fund-g-direct-plan\">Aditya Birla SL Ultra Short Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.79%<\/td>\n<td>7.52%<\/td>\n<td>6.75%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-short-term-fund-g-direct-plan\">ICICI Pru Short Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.57%<\/td>\n<td>7.91%<\/td>\n<td>7.18%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/mahindra-manulife-short-term-fund-g-direct-plan\">Mahindra Manulife Short Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.22%<\/td>\n<td>7.84%<\/td>\n<td>6.65%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/axis-short-term-fund-g-direct-plan\">Axis Short Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.18%<\/td>\n<td>7.84%<\/td>\n<td>6.81%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639. The fund\u2019s 1-year return trails the stronger peer figures shown here, but its 3-year and 5-year numbers are more competitive, especially the 5-year return of 10.84%. That makes the comparison mixed: the fund is not the strongest on the latest one-year measure, yet its longer-term compounding is clearly firmer than several peers. The short-term view and the long-term view therefore do not tell the same story.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>7.6% Power Finance Corporation Limited (13\/04\/2029) **<\/td>\n<td>Corporate Debt<\/td>\n<td>8.06%<\/td>\n<\/tr>\n<tr>\n<td>6.94% Government of India (11\/05\/2036)<\/td>\n<td>Government Securities<\/td>\n<td>7.94%<\/td>\n<\/tr>\n<tr>\n<td>6.90% LIC Housing Finance Limited (17\/09\/2027) **<\/td>\n<td>Corporate Debt<\/td>\n<td>7.63%<\/td>\n<\/tr>\n<tr>\n<td>L&amp;T Finance Limited (19\/03\/2027) **<\/td>\n<td>Commercial Paper<\/td>\n<td>7.39%<\/td>\n<\/tr>\n<tr>\n<td>6.48% Government of India (06\/10\/2035)<\/td>\n<td>Government Securities<\/td>\n<td>5.74%<\/td>\n<\/tr>\n<tr>\n<td>Canara Bank (12\/03\/2027) ** #<\/td>\n<td>Certificate of Deposit<\/td>\n<td>5.57%<\/td>\n<\/tr>\n<tr>\n<td>Small Industries Dev Bank of India (11\/06\/2027) ** #<\/td>\n<td>Certificate of Deposit<\/td>\n<td>5.46%<\/td>\n<\/tr>\n<tr>\n<td>7.6% Torrent Pharmaceuticals Limited (19\/01\/2029) **<\/td>\n<td>Corporate Debt<\/td>\n<td>4.58%<\/td>\n<\/tr>\n<tr>\n<td>8.9% Muthoot Finance Limited (07\/10\/2027) **<\/td>\n<td>Corporate Debt<\/td>\n<td>3.86%<\/td>\n<\/tr>\n<tr>\n<td>8.40% Godrej Industries Limited (27\/08\/2027) **<\/td>\n<td>Corporate Debt<\/td>\n<td>3.85%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest holding is 7.6% Power Finance Corporation Limited at 8.06% of the portfolio. The tenth holding is 8.40% Godrej Industries Limited at 3.85%, so the weight drops meaningfully across the displayed list, but not in a cliff-like way. That kind of spread can matter because no single position dominates the portfolio, even though the top few holdings are still large enough to influence short-term movements.<\/p>\n<p>The top 10 holdings account for approximately 60.08% of the portfolio, which points to a portfolio that is meaningfully concentrated at the visible end but still leaves room for a long tail across the remaining positions. With 28 disclosed holdings in total, the scheme appears to balance a defined core with a broader set of smaller positions. In our view, that structure may help keep the fund anchored while still allowing some diversification across issuers and instrument types.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/bank-of-india-short-term-fund-g-direct-plan\">Bank of India Short Term Fund Direct Growth Plan<\/a> page<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund may suit conservative investors who can accept some credit and interest-rate movement in exchange for a steadier debt return profile. The Medium Risk label and the stronger 3-year and 5-year returns suggest it is better considered with a medium-to-long holding horizon rather than as a very short parking solution.<\/p>\n<p>The main trade-off is that the fund has shown solid longer-term compounding, but the latest year is weaker than its own multi-year pace and also trails some peer returns on the 1-year measure. Investors who value relative steadiness and are comfortable with a debt fund\u2019s return variability may find the profile appropriate, while those seeking the fastest recent gains may prefer a different style of debt exposure.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Exit load:<\/strong> No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>What is the current NAV of Bank of India Short Term Fund Direct Growth Plan?<\/strong><br \/>The current NAV is \u20b931.1342 as of 10 Sep 2026.<\/p>\n<p><strong>What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/strong><br \/>The 1-year return is 5.68%, the 3-year return is 7.73%, and the 5-year return is 10.84%.<\/p>\n<p><strong>How does the fund compare with its benchmark?<\/strong><br \/>It has outpaced the benchmark across 1 year, 3 years and 5 years. The gap is most visible over 1 year, where the fund stayed positive while the benchmark was negative.<\/p>\n<p><strong>How does the fund compare with the peer funds listed here?<\/strong><br \/>Its 1-year return is below some peer figures, but its 3-year and 5-year returns are more competitive. The 5-year number is particularly strong relative to several peers shown here.<\/p>\n<p><strong>Is there a minimum SIP amount?<\/strong><br \/>No minimum SIP amount is stated in the available fund details.<\/p>\n<p><strong>Who manages the fund and what is the exit load?<\/strong><br \/>The fund is managed by Mithraem Bharucha. There is no exit load.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bank of India Short Term Fund Direct Growth Plan has a softer latest-year showing than its own longer-term record, but the 3-year and 5-year returns still point to a fund that has compounded better than the benchmark. Compared with the peer set shown here, the 1-year figure is less striking, while the multi-year numbers are more resilient. The Medium Risk label, no exit load and a portfolio built around a defined core of larger holdings make it a fit for investors who want a steadier debt allocation rather than a short-term performance chase.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 11 September 2026 at 10:37 AM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"Bank of India Short Term Fund Direct Growth Plan\",\"identifier\":\"bank-of-india-short-term-fund-g-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"01 Jan 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":31.1342,\"valueReference\":\"as of 10 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"260 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.45\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":5.68},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":7.73},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":10.84},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Mithraem Bharucha\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Bank of India Short Term Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b931.1342 as of 10 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The 1-year return is 5.68%, the 3-year return is 7.73%, and the 5-year return is 10.84%.\"}},{\"@type\":\"Question\",\"name\":\"How does the fund compare with its benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has outpaced the benchmark across 1 year, 3 years and 5 years. The gap is most visible over 1 year, where the fund stayed positive while the benchmark was negative.\"}},{\"@type\":\"Question\",\"name\":\"How does the fund compare with the peer funds listed here?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year return is below some peer figures, but its 3-year and 5-year returns are more competitive. The 5-year number is particularly strong relative to several peers shown here.\"}},{\"@type\":\"Question\",\"name\":\"Is there a minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No minimum SIP amount is stated in the available fund details.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Mithraem Bharucha. There is no exit load.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bank of India Short Term Fund Direct Growth Plan has a \u20b931.1342 NAV as of 10 Sep 2026, \u20b9260 Cr AUM and 5Y return of 10.84%.<\/p>\n","protected":false},"author":38,"featured_media":243190,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-243198","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["243190"],"rank_math_title":["Bank of India Short Term Fund Review 2026 | NAV &amp; Returns"],"rank_math_description":["Bank of India Short Term Fund Direct Growth Plan NAV is \u20b931.1342 as of 10 Sep 2026; 1Y return is 5.68%."],"rank_math_focus_keyword":["Bank of India Short Term Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/Bank_of_India_Short_Term_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/243198","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=243198"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/243198\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/243190"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=243198"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=243198"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=243198"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}