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Bank of India Liquid Fund

LiquidLow to ModerateOPEN-ENDED
Invest Now
NAV as on 27 Sep 2026
₹3,245.48+0.02%1 day
Return since launch
6.7%
52-week range
₹3,047.30 — ₹3,244.52
AUM
₹1,825 Cr

Bank of India Liquid Fund is a Liquid debt fund from Bank of India Mutual Fund with ₹1,825 Cr under management, launched in 2008. Over three years it has returned 6.7% a year, against 6.8% for its category. The expense ratio is 0.15% and the SEBI riskometer reading is Low to Moderate.

Performance

Bank of India Liquid Fund NAV and returns

Growth of the fund against its category average over the period you pick.

Over 1Y this fund returned +6.4% against +6.2% for its category.

Performance

Returns

How the fund has done against its category and its benchmark.

Trailing returns
PeriodFundvs categoryCategoryBenchmark
1Y6.6%+0.3 pts6.3%6.4%
2Y6.5%+0.2 pts6.4%6.3%
3Y6.7%−0.1 pts6.8%6.5%
5Y6.7%+0.5 pts6.2%6.5%
7Y6.3%+0.1 pts6.1%6.1%
10Y6.1%+0.1 pts6.0%5.9%

Fund against category

1Y
Fund6.6%
Category6.3%
3Y
Fund6.7%
Category6.8%
5Y
Fund6.7%
Category6.2%

Since launch (9 Jul 2008): 6.7%

Calendar-year returns

Category average
Show as a table
Calendar-year returns
PeriodFundvs categoryCategory
20256.6%+0.1 pts6.4%
20247.4%+0.1 pts7.3%
20237.0%+0.1 pts7.0%
20224.9%+0.1 pts4.8%
20213.3%0.0 pts3.3%
20204.1%+0.1 pts4.0%

Returns over one year are annualised. Shorter periods are absolute.

Costs & terms

Costs and terms

What the fund charges each year, and the rules around putting money in and taking it out.

Costs

0.15%

Expense ratio as on 23 Sep 2026

Charged yearly and already deducted from the NAV.

Base expense
0.12%
Brokerage
0.01%
Transaction charges
0.00%
Statutory levies
0.02%
Exit load
Exit load of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050% if redeemed within 5 days, 0.0045% if redeemed within 6 days.
Lock-in
None

Terms

Min SIP
₹-1
Min lumpsum
₹5,000
Plan
GROWTH
Fund type
OPEN-ENDED
Benchmark
CRISIL Liquid Debt A-I Index

Risk

Risk

What the riskometer means for this fund, and how its ratios sit against the category.

Low to Moderate

Your principal is treated as being at low to moderate risk — typically short duration debt schemes.

Risk ratios
RatioFundCategory avgRead as
Alpha——Return earned above what the benchmark alone would have given. Higher is better.
Beta——How hard the fund moves when the market moves. Under 1 is steadier than the market.
Sharpe5.244.91Return earned for each unit of total risk taken. Higher is better.
Sortino11.609.38Return earned for each unit of downside risk. Higher is better.
Std. deviation0.200.21How widely monthly returns have varied around their own average. Lower is steadier.
Average of 4 category peers

Portfolio

Bank of India Liquid Fund portfolio

Portfolio as of 31 Aug 2026

Asset allocation

  • Debt97.6%
  • Other2.4%

Top holdings

HoldingSectorWeightValue3M chg6M chg1Y chg
Reserve Bank of IndiaFinancial5.44%₹99.19 Cr+5.74%+2.58%+3.27%
Small Industries Devp. Bank of India Ltd.Financial4.10%₹74.68 Cr—+5.16%—
Kotak Mahindra Bank Ltd.Financial4.09%₹74.71 Cr———
company:13645Financial4.05%₹73.91 Cr+1.45%+2.58%+2.74%
National Bank For Agriculture & Rural DevelopmentFinancial2.74%₹49.92 Cr—+1.29%+2.73%
Poonawalla Fincorp Ltd.Financial2.74%₹49.93 Cr—+2.57%+2.71%
HDFC Securities Ltd.Financial2.73%₹49.80 Cr+2.86%+4.17%—
REC Ltd.Financial2.73%₹49.83 Cr+2.90%——
Bank Of BarodaFinancial2.71%₹49.43 Cr+4.29%+3.91%+2.71%
Export-Import Bank Of IndiaFinancial2.71%₹49.44 Cr—+3.35%+2.72%

Sectors

  • Financial90.5%
  • Others5.4%
  • Services2.7%
  • Energy1.4%

Instruments

  • Commercial Paper43.4%
  • Certificate of Deposit35.9%
  • Treasury Bills17.9%
  • Net Receivables1.4%
  • Repo1.1%
  • Alternative Investment Fund0.3%

Recent changes

HoldingFromToWeight
company:136450.00%4.05%+4.05%
Bajaj Financial Securities Ltd.2.88%0.00%-2.88%
Godrej Agrovet Ltd.2.88%0.00%-2.88%
ICICI Bank Ltd.2.88%0.00%-2.88%
Kotak Mahindra Securities Ltd.2.88%0.00%-2.88%
company:115230.00%2.71%+2.71%
company:116470.00%2.70%+2.70%
company:184950.00%2.70%+2.70%
company:56520.00%2.70%+2.70%
company:68920.00%2.70%+2.70%
Manappuram Finance Ltd.1.45%0.00%-1.45%
company:127270.00%1.35%+1.35%
HDFC Securities Ltd.1.44%2.73%+1.29%
Motilal Oswal Financial Services Ltd.1.43%2.70%+1.27%
Export-Import Bank Of India1.44%2.71%+1.27%
Punjab National Bank0.86%0.00%-0.86%
Reserve Bank of India5.96%5.44%-0.52%
Kotak Mahindra Bank Ltd.4.32%4.09%-0.23%
ICICI Home Finance Company Ltd.2.87%2.70%-0.17%
ICICI Securities Ltd.2.87%2.70%-0.17%
Bank Of Baroda2.87%2.71%-0.16%
REC Ltd.2.87%2.73%-0.14%
National Bank For Agriculture & Rural Development2.87%2.74%-0.13%
Poonawalla Fincorp Ltd.2.87%2.74%-0.13%
Small Industries Devp. Bank of India Ltd.2.87%2.74%-0.13%
Union Bank of India2.56%2.44%-0.12%
Indian Bank2.30%2.19%-0.11%
NTPC Ltd.1.43%1.36%-0.07%
HDFC Bank Ltd.1.43%1.37%-0.06%
Others0.33%0.31%-0.02%

Compare

Similar funds

The rest of the category, so this fund’s numbers have something to sit against.

FundAUMExpense1Y3Y5Y
Category average₹27,654 Cr0.20%6.6%6.7%6.7%
Axis Liquid Fund₹63,343 Cr0.23%6.6%6.7%6.7%
DSP Liquid Fund₹27,920 Cr0.21%6.6%6.7%6.7%
Edelweiss Liquid Fund₹13,272 Cr0.17%6.6%6.7%6.7%
Franklin India Liquid Fund₹6,082 Cr0.20%6.7%6.7%6.7%

About

About this fund

The scheme’s own words, its benchmark and the people running it.

Investment objective

The fund aims to generate reasonable market related returns by investing in Money Market instruments. Also seeks to provide high liquidity to investors. The scheme would be investing more than 80% into securities having average maturity less than or equal to 6 months with low risk profile.

Fund managers

  • Mithraem BharuchaMr. Bharucha is a BMS and MBAPrior to joining Bank of India Mutual Fund, he has worked with YES Asset Management (India) Limited and BNP Paribas Asset Management India Pvt. Ltd.
Scheme information document

Tools

Return calculator

What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.

₹
Over the pastTotal investmentWould’ve becomeGrowthReturns
6 months3.42% absolute₹60,000₹62,0523.42%
1 year6.45% annualised₹1,20,000₹1,24,2763.56%
3 years6.92% annualised₹3,60,000₹4,01,12111.42%
5 years6.34% annualised₹6,00,000₹7,07,54917.92%

Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.

How this is calculated

Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.

The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.

Questions

Frequently asked questions

The things people ask about this scheme.

What is the NAV of Bank of India Liquid Fund?
The NAV of Bank of India Liquid Fund is ₹3,245.48 as on 27 Sep 2026.
What is the expense ratio of Bank of India Liquid Fund?
The expense ratio of Bank of India Liquid Fund is 0.15% per year.
What is the minimum SIP amount for Bank of India Liquid Fund?
You can start a SIP in Bank of India Liquid Fund with ₹-1 a month.
What returns has Bank of India Liquid Fund given?
Bank of India Liquid Fund has returned 6.6% over 1 year, 6.7% over 3 years and 6.7% over 5 years (annualised).
Is there a lock-in or exit load on Bank of India Liquid Fund?
Lock-in: None. Exit load: Exit load of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050% if redeemed within 5 days, 0.0045% if redeemed within 6 days..
How risky is Bank of India Liquid Fund?
Bank of India Liquid Fund is rated Low to Moderate on the SEBI riskometer and belongs to the Liquid category.
Which fund house manages Bank of India Liquid Fund?
Bank of India Liquid Fund is managed by Bank of India Mutual Fund, which runs 23 schemes with ₹15,446 Cr under management.