Investment Objective and Approach

The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through portfolio of debt and money market instruments. It endeavors to provide returns that are higher than those of liquid funds by maintaining a higher portfolio duration.

The fund follows a strategic approach focused on:

- Duration Management: Suitable for those with an investment horizon of 3 to 6 months. Investment in Debt & Money Market instruments such that the Macaulay duration of the portfolio is between 3 months and 6 months

- Risk-Return Balance: An open-ended ultra short duration debt fund suitable for short-term deployment of funds. An ideal investment avenue for short to medium term parking of funds.

- Liquidity Focus: The fund prioritizes high liquidity while maintaining reasonable returns, making it suitable for investors seeking better returns than liquid funds with manageable duration risk

Investment Fundamentals:

- Asset Under Management (AUM) of 212.51 as on 2025-08-14.

- The fund has an expense ratio of 0.9, which is quite reasonable as compared to most other debt mutual fund schemes.

- The 1-year, 3-year and 5-year returns of this fund were 6.92, 6.46 and 5.22 respectively.

- The min. SIP amount to invest in this scheme is ₹1000.

Fund Managers

The fund is managed by experienced professionals with deep expertise in fixed income markets. Over 13 years of experience in Fixed Income market domain, Investment strategy development.

The fund management team brings substantial experience in:

- Fixed income market analysis and strategy development

- Trade idea generation and execution

- Cash management and portfolio monitoring

- Investment decision-making based on interest rate outlook and macro factors

About the Fund House (AMC)

Bank of India Investment Managers Private Limited operates as the Asset Management Company for this fund. Private Limited and BOI AXA Investment Managers Private Limited, operates as a wholly-owned subsidiary of Bank of India (BOI). With an experience of around 15 years in fund management, Bank of India Investment Managers Private Limited has consistently prioritised meeting the investment objectives of its investors.

Key Highlights:

- Bank of India Investment Managers (formerly BOI AXA Investment Managers) is a wholly owned subsidiary of Bank of India, which was founded in 1906 as a banking services company and later nationalised in 1969.

- Through Bank of India Mutual Fund (BOIMF), the company provides approximately 17 diverse Mutual Fund Schemes that span various sectors.

- Bank of India Mutual Fund Asset management company · AUM ₹12,457.69 Cr.

- The AMC BOI brings 14 years of rich experience in fund management catering to the needs of investors across various investment objectives. The fund house currently manages 17 varied mutual fund schemes across 2 lakh+ investors and 2700+ Cr. in AUM.

The AMC combines the trust and stability of Bank of India with professional fund management expertise, providing investors with reliable investment solutions across various asset classes.

Should I Invest in Bank of India Ultra Short Duration Fund?

This fund may be suitable for you if you:

Investment Profile Match:

- Seek short-term investment opportunities with 3-6 months horizon

- Want better returns than traditional liquid funds while maintaining high liquidity

- Prefer lower interest rate sensitivity compared to longer duration funds

- Need regular income with moderate risk exposure

Fund Strengths:

- Bank Of India Ultra Short Duration Fund- Regular Plan- Growth scheme's ability to deliver returns consistently is in-line with most funds of its category. It's ability to control losses in a falling market is above average.

- Reasonable expense ratio structure for the category

- Backed by established AMC with strong parentage

- Professional management with extensive fixed income experience

Considerations:

- The Scheme is not providing any assured or guaranteed returns. Further there is no assurance that the investment objectives of the Scheme will be realized.

- Returns are subject to interest rate movements and market conditions

- More suitable for short-term goals rather than long-term wealth creation

The fund is particularly appropriate for investors looking to park surplus funds for short durations while earning better returns than traditional savings options.

FAQs

What is today's NAV of Bank of India Ultra Short Duration Fund?

The NAV changes daily based on market conditions. You can check the latest NAV on Allvest's platform or the fund house website for real-time updates.

What is the AUM of Bank of India Ultra Short Duration Fund?

The fund has an Asset Under Management (AUM) of 212.51 as on 2025-08-14.

What is the expense ratio of Bank of India Ultra Short Duration Fund?

The fund has an expense ratio of 0.9, which is quite reasonable as compared to most other debt mutual fund schemes.

What are the returns of Bank of India Ultra Short Duration Fund since inception?

The fund has delivered consistent returns since inception, with 1-year, 3-year and 5-year returns of 6.92, 6.46 and 5.22 respectively. However, past performance doesn't guarantee future returns.

What is the minimum SIP amount to invest in Bank of India Ultra Short Duration Fund?

The min. SIP amount to invest in this scheme is ₹1000.

How do I invest in Bank of India Ultra Short Duration Fund?

You can easily invest through Allvest's platform by selecting the fund, choosing your investment amount, and completing the KYC process. Both lump sum and SIP options are available.

How to start a SIP in Bank of India Ultra Short Duration Fund?

Log into your Allvest account, search for the fund, select SIP option, choose your monthly investment amount (minimum ₹1000), set the date, and complete the mandate setup.

How do I automate an SIP in Bank of India Ultra Short Duration Fund?

Once you set up your SIP on Allvest, you can register for auto-debit mandate with your bank, ensuring automatic monthly investments without manual intervention.

How can I withdraw/redeem my investment in Bank of India Ultra Short Duration Fund?

You can redeem your investment anytime through Allvest's platform by selecting the redeem option, entering the amount or units you want to sell, and the proceeds will be credited to your registered bank account within 1-3 business days.