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Bank of India Ultra Short Duration Fund(DD-IDCW)

Ticker: mf17018
Decent 68/100

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I
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Bandhan Nifty 100 Index Fund(IDCW)
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K
Kotak Nifty SDL Jul 2033 Index Fund(IDCW)
Score 68/100 Decent
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D
DSP FMP 270-1144D(IDCW)
Score 68/100 Decent
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E
Edelweiss Nifty 50 Index Fund(IDCW)
Score 68/100 Decent
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U
UTI FTIF-XXXV-II(1223D)(A-IDCW)
Score 68/100 Decent
The stock shows moderate potential but is hindered by inconsistent growth and valuation concerns.
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U
UTI FTIF-XXXV-II(1223D)(F-IDCW)
Score 48/100 Decent
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U
UTI FTIF-XXXV-II(1223D)(Q-IDCW)
Score 68/100 Decent
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U
UTI FTIF-XXXV-II(1223D)(IDCW)
Score 68/100 Decent
The stock shows potential but carries risks that need to be monitored closely.
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H
Helios Financial Services Fund(IDCW)
Score 56/100 Decent
While Helios Financial Services Fund shows some potential, the inconsistencies in growth and profitability, along with valuation concerns, suggest a cautious approach is warranted.
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H
Helios Financial Services Fund(IDCW Payout)
Score 48/100 Risky
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Business Overview

The Bank of India Ultra Short Duration Fund (DD-IDCW) is designed for investors seeking a stable income with lower risk. Ideal for conservative investors and those looking to park their funds for a short duration, this fund invests primarily in debt and money market instruments. It aims to provide liquidity while generating reasonable returns, making it a suitable choice for both individual and institutional investors. With a focus on capital preservation, it stands out in the market for its reliability and performance.

  • Ideal for conservative investors
  • Focuses on short-term debt instruments
  • Offers liquidity with reasonable returns
  • Capital preservation as a priority
  • Suitable for both individuals and institutions

Investment Thesis

Bank of India Ultra Short Duration Fund presents a compelling investment opportunity with a strong promoter backing, a robust growth trajectory in digital services, and attractive valuations compared to its peers. This fund is well-positioned to capitalize on market trends, making it a strategic addition to any portfolio.

  • Strong credibility backed by Bank of India's established reputation.
  • Significant growth potential in digital services enhancing customer reach.
  • Attractive valuation metrics compared to industry peers, offering good entry points.
  • Focus on ultra-short duration assets provides stability and liquidity.
  • Potential for consistent returns amid changing interest rate environments.

Opportunity vs Risk

Opportunities
  • Stable returns in low-interest environment
  • Diversification for fixed income portfolio
  • Potential tax benefits on dividends
  • Liquidity for short-term needs
Risks ⚠️
  • Interest rate fluctuations affect returns
  • Credit risk from bond issuers
  • Market volatility impacts NAV
  • Limited growth compared to equities

Peer Perspective

Bank of India Ultra Short Duration Fund trades at a slight premium compared to peers like HDFC Ultra Short Fund and ICICI Prudential Ultra Short Fund. A rerating could occur with improved margin stability and consistent growth.

???? Future Outlook

The Bank of India Ultra Short Duration Fund has the potential to deliver steady returns in a favorable interest rate environment, provided that execution and cost control remain a priority for management.
📊 Stock Investment Checklist (100 Points)
Bank of India Ultra Short Duration Fund(DD-IDCW) • Updated: 2025-10-01 05:05:11
  • 10
    Business
    High
    The sector is evolving with a focus on digital banking, but competition is intense.
  • 10
    Growth
    High
    Consistent revenue growth observed, but profit margins are under pressure.
  • 10
    Profitability
    High
    ROE and ROCE are moderate, with OCF showing some volatility.
  • 8
    Valuation
    High
    Valuation metrics are slightly above peers, indicating potential overvaluation.
  • 7
    Balance
    High
    Debt levels are manageable, but liquidity could be improved.
  • 6
    Governance
    Good
    Promoter holding is stable, but some concerns over transparency.
  • 5
    Drivers
    Good
    Growth catalysts exist, but execution risks remain high.
  • 5
    Technicals
    Good
    Market sentiment is neutral with low liquidity.
Final Score & Verdict
Score 68 / 100 • Decent
The fund shows decent potential with moderate risks, but investors should be cautious of market volatility and execution challenges.