Bank of India Short Term Income Fund(Q-IDCW)
Ticker: mf16846
Risky
48/100
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C
Canara Rob Overnight Fund(DD-IDCW)
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B
Bandhan Credit Risk Fund(A-IDCW Reinv)
The fund shows potential but faces challenges in growth consistency and valuation metrics. Caution is advised.
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Bandhan Credit Risk Fund(IDCW-Reinv)
The fund shows potential but carries significant risks due to market conditions and growth inconsistencies.
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B
Bandhan Credit Risk Fund(Q-IDCW Reinv)
The fund shows potential but faces significant challenges in profitability and market sentiment.
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Bandhan Credit Risk Fund(A-IDCW)
The fund shows potential but is hindered by profitability issues and market risks, making it a risky investment.
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B
Bandhan Credit Risk Fund(Q-IDCW)
The fund shows potential but is hindered by inconsistent growth and profitability metrics.
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Bandhan Credit Risk Fund(IDCW)
The fund shows potential but is hindered by profitability concerns and market volatility.
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E
Edelweiss Banking and PSU Debt Fund(M-IDCW)
The fund presents several risks with limited growth potential and weak market sentiment, making it a risky investment choice.
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E
Edelweiss Banking and PSU Debt Fund(FN-IDCW)
The fund shows decent potential but is hindered by inconsistent growth and average profitability metrics.
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E
Edelweiss Banking and PSU Debt Fund(W-IDCW)
The fund presents several risks with limited growth potential and profitability concerns.
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Business Overview
The Bank of India Short Term Income Fund (Q-IDCW) is a dynamic investment option designed for individuals seeking stable income with relatively lower risk. Ideal for conservative investors and those looking to diversify their portfolios, this fund focuses on short-term debt instruments, providing liquidity and capital preservation. With professional management and a commitment to generating consistent returns, it stands out as a reliable choice in the fixed income space.
- Designed for conservative investors
- Focuses on short-term debt instruments
- Offers liquidity and capital preservation
- Professionally managed for consistent returns
- Helps diversify investment portfolios
Investment Thesis
Bank of India Short Term Income Fund (Q-IDCW) stands out due to its strong promoter credibility, robust digital service expansion, and attractive valuations compared to peers. This fund offers a compelling opportunity for retail investors seeking stable income with growth potential in a rapidly digitizing banking landscape.
- Strong backing from the Bank of India, a well-established and credible promoter group.
- Significant growth potential in digital services, enhancing customer reach and operational efficiency.
- Attractive valuation metrics compared to peer funds, offering better risk-adjusted returns.
- Focus on short-term income generation aligns with current market volatility, appealing to conservative investors.
- Consistent performance track record, providing confidence in fund management and strategy.
Opportunity vs Risk
Opportunities
- Stable income through regular dividends
- Diversification in fixed income portfolio
- Potential for capital appreciation
- Low correlation with equity markets
Risks ⚠️
- Interest rate fluctuations impact returns
- Credit risk from bond issuers
- Market volatility affecting NAV
- Liquidity concerns in short-term funds
Peer Perspective
Compared to key peers, this stock trades at a discount. Valuation could rerate if profitability stabilizes.
???? Future Outlook
The Bank of India Short Term Income Fund is well-positioned for steady returns, provided the management maintains strong execution and cost control. Investors can expect stability in a fluctuating market environment.
📊 Stock Investment Checklist (100 Points)
Bank of India Short Term Income Fund(Q-IDCW) • Updated: 2025-10-01 05:04:52
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10BusinessHighThe sector is stable but lacks significant growth potential.
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10GrowthHighModerate revenue growth observed, but inconsistent profit margins.
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8ProfitabilityHighROE and ROCE are below industry averages, cash flow is stable.
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6ValuationGoodValuation metrics are slightly above peers, indicating overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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5GovernanceGoodPromoter holding is decent, but there are concerns about disclosures.
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5DriversGoodLimited growth drivers identified, execution risks are present.
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5TechnicalsGoodMarket sentiment is neutral, with low liquidity.
Final Score & Verdict
Score 48 / 100
• Risky
The fund shows potential but carries significant risks due to inconsistent growth and valuation concerns.