Bank of India Liquid Fund Regular-Growth

Q: What are the returns of Bank of India Liquid Fund?

The Bank of India Liquid Fund is a 17 yrs 1 m old fund and has delivered average annual returns of 6.69% since inception. Bank of India Liquid Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 6.96% 7.05% 5.64% 6.2% 6.69%

NAV as of Sep 03, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹3037.4534+0.02% 1 day change	6.69% p.a.	App exclusive #NA View Ranked Funds	₹1,849 Cr

Historical NAV & returns

NAV: ₹3037.4534 as on Sep 03, 2025

This fund Category average

Bank of India Liquid Fund overview

Expense ratio	0.14% as on Aug 31, 2025
Plan type	Regular
Exit load	0.007% 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.!
AUM (Fund size)	₹1,849 Cr
Lock-in Period	Nil
Age	17 yrs 1 m since Jul 09, 2008
Benchmark	CRISIL Liquid Debt A-I Index
Min. investment	Lumpsum: ₹5000
Risk	Low to Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Bank of India Liquid Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Sep 04, 2025

Period	This fund	Category average
1 Month	0.45%	0.45%
3 Months	1.46%	1.43%
6 Months	3.31%	3.24%
1 Year	6.96%	6.81%
2 Years	7.19%	7.03%
3 Years	7.05%	6.9%
4 Years	6.28%	6.14%
5 Years	5.64%	5.54%
7 Years	5.74%	5.67%
10 Years	6.2%	6.14%

Asset allocationas on May 31, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

A1+ 75.1%

SOV 20.22%

Cash & Call Money 4.47%

Others 0.21%

Top Debt Holdings

Reserve Bank of India 20.22%

Small Industries Devp. Bank of India Ltd. 5.39%

Reliance Jio Infocomm Ltd. 5.36%

Bank Of Baroda 5.35%

Allocation by Instruments

Bifurcation by Instrument is not available for this fund

Other Holdings

Others 0.21%

Detailed portfolio analysis

Peer comparison

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bank of India Liquid Fund	N.A.	1,849 Cr	17 yrs 1 m	0.14%
Mirae Asset Liquid Fund	N.A.	14,285 Cr	16 yrs 8 m	0.19%
Mahindra Manulife Liquid Fund	N.A.	1,198 Cr	9 yrs 2 m	0.26%
Sundaram Liquid Fund	N.A.	6,288 Cr	21 yrs	0.32%
JM Liquid Fund	N.A.	2,196 Cr	27 yrs 8 m	0.26%
Quant Liquid Fund	N.A.	1,679 Cr	19 yrs 11 m	0.52%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bank of India Liquid Fund	0.45%	3.31%	6.96%	7.05%	5.64%	6.2%
Mirae Asset Liquid Fund	0.45%	3.28%	6.88%	6.98%	5.61%	6.11%
Mahindra Manulife Liquid Fund	0.45%	3.27%	6.88%	7.0%	5.62%	5.55%
Sundaram Liquid Fund	0.45%	3.26%	6.82%	6.94%	5.58%	6.08%
JM Liquid Fund	0.45%	3.23%	6.8%	6.9%	5.56%	6.18%
Quant Liquid Fund	0.44%	3.13%	6.71%	6.7%	5.67%	6.34%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bank of India Liquid Fund	0.17	0.38	2.96	3.39
Mirae Asset Liquid Fund	0.18	0.37	2.45	3.07
Mahindra Manulife Liquid Fund	0.17	0.34	2.73	3.23
Sundaram Liquid Fund	0.18	0.35	2.28	3.04
JM Liquid Fund	0.16	0.33	2.34	2.77
Quant Liquid Fund	0.17	0.32	1.07	1.38

View all Liquid funds

Key risk & return ratios Compared to other funds in the category

Alpha	1.21 vs. 2.92 Underperformed at beating benchmark
Sharpe	2.96 vs. 2.73 Better risk-adjusted return
Beta	0.38 vs. 0.85 Less sensitive to market ups & downs
Standard deviation	0.17 vs. 0.16 More volatile performance

Compare Bank of India Liquid Fund in detail with

About this fund

About Bank of India Liquid Fund

Bank of India Liquid Fund Regular-Growth is a Liquid mutual fund scheme from Bank Of India Mutual Fund. This fund has been in existence for 17 yrs 1 m, having been launched on 09/07/2008. Bank of India Liquid Fund Regular-Growth has ₹1,849 Crores worth of assets under management (AUM) as on 31/05/2025 and is small fund of its category. The latest Net Asset Value (NAV) of Bank of India Liquid Fund Regular-Growth as of 03/09/2025 is ₹3037.45. The fund has an expense ratio of 0.14%, which is close to what most other Liquid funds charge.

Bank of India Liquid Fund Regular-Growth returns of last 1-year are 6.98%. Since launch, it has delivered 6.69% average annual returns. The fund has doubled the money invested in it every 12 yrs.
Bank of India Liquid Fund Regular-Growth scheme's ability to deliver returns consistently is higher than most funds of its category. Its ability to control losses in a falling market is average.
The fund's credit profile is very high indicating it has lent to borrowers whose quality is excellent. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in Reserve Bank of India, Small Industries Devp. Bank of India Ltd., Reliance Jio Infocomm Ltd., Bank Of Baroda, Punjab National Bank.

...

Fund AUM	1,849 Cr as on May 31, 2025
Scheme document	View Scheme Document

Fund managers

Mithraem Bharucha

Mr. Bharucha is a BMS and MBA Prior to joining Bank of India Mutual Fund, he has worked with YES Asset Management (India) Limited and BNP Paribas Asset Management India Pvt. Ltd.

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.

Bank of India Mutual Fund details

No. of schemes	21 view all schemes
Total AUM	12,458 Cr as on Jun 30, 2025
Address	B/204-Tower 1, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai, 400013
Email	service@boiaxa-im.com

More funds from Bank of India Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
Bank of India Short Term Income Fund	N.A.	137 Cr	9.4%	9.68%
Bank of India Overnight Fund	N.A.	72 Cr	6.26%	6.52%
Bank of India Ultra Short Duration Fund	N.A.	224 Cr	6.8%	6.44%
Bank of India Credit Risk Fund	N.A.	110 Cr	6.03%	5.71%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Bank of India Liquid Fund?

The current Net Asset Value (NAV) of the Bank of India Liquid Fund - Direct Growth plan is approximately ₹3037.4534 as of Sep 03, 2025.

What are the returns of this mutual fund scheme?

The Bank of India Liquid Fund is a 17 yrs 1 m old fund and has delivered average annual returns of 6.69% since inception.

Bank of India Liquid Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
6.96%	7.05%	5.64%	6.2%	6.69%

How much does this mutual fund charge as expense ratio?

The Bank of India Liquid Fund - Direct Growth has an expense ratio of 0.14%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

What is the AUM or fund size of this mutual fund?

The Bank of India Liquid Fund currently has assets under management (AUM) or fund size valued at approximately 1,849 Cr as on May 31, 2025.

To whom does Bank of India Liquid Fund lend to?

The top 3 debt holdings of Bank of India Liquid Fund are as follows

Holding Name	Percentage of Portfolio
Reserve Bank of India	20.22%
Small Industries Devp. Bank of India Ltd.	5.39%
Reliance Jio Infocomm Ltd.	5.36%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Bank of India Liquid Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
A1+	75.1%
SOV	20.22%
Cash & Call Money	4.47%

What is risk level of Bank of India Liquid Fund?

This is a Liquid fund comes with Low to Moderate risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How do I invest in Bank of India Liquid Fund?

Bank of India Liquid Fund Regular-Growth is the regular plan of the fund. For this plan of you pay 0.14% as annual charges. On the other hand if you go for the direct plan available on ET Money, you pay 0.11%. That's 0.030000000000000013% less.

Regular plans charge more because when you buy them, the fund pays commission to the agent. This is an additional expense for the fund and to cover this expense, the fund takes a bigger share from the returns generated by your investments.

So, the lower annual cost of the direct plan means you will earn 0.030000000000000013% if you opt for direct plan of Bank of India Liquid Fund

How can I redeem my investments in Bank of India Liquid Fund?

Redeeming your investments in Bank of India Liquid Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in Bank of India Liquid Fund from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Liquid

#NA

Return Consistency: This fund is one of the best in generating consistent return in it's category.
Return/Risk: The fund is performing poorly than its category.
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.