Bank of India Liquid Fund

Q: What are the returns of this mutual fund scheme?

The Bank of India Liquid Fund is a 17 yrs 6 m old fund and has delivered average annual returns of 6.67% since inception. Bank of India Liquid Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 6.4% 6.99% 5.89% 6.12% 6.67%

Q: How much does this mutual fund charge as expense ratio?

The Bank of India Liquid Fund has an expense ratio of 0.14% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹3111.0211+0.03% 1 day change	6.67% p.a.	App exclusive #NA View Ranked Funds	₹1,107 Cr

Historical NAV & returns

NAV: ₹3111.0211 as on Feb 02, 2026

This fund Category average

Bank of India Liquid Fund overview

AUM (Fund size)	₹1,107 Cr
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.!
Lock-in Period	Nil
Age	17 yrs 6 m since Jul 09, 2008
Benchmark	CRISIL Liquid Debt A-I Index
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	0.14% as on Feb 02, 2026
Plan type	Regular
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 Feb 03, 2026

Period	This fund	Category average
1 Month	0.45%	0.44%
3 Months	1.44%	1.27%
6 Months	2.9%	2.69%
1 Year	6.4%	6.09%
2 Years	6.91%	6.65%
3 Years	6.99%	6.76%
4 Years	6.54%	6.32%
5 Years	5.89%	5.69%
7 Years	5.65%	5.49%
10 Years	6.12%	6.12%

Asset allocationas on Dec 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+ 95.3%

SOV 19.75%

AAA 0.9%

Others 0.49%

Top Debt Holdings

Reserve Bank of India 19.75%

Kotak Mahindra Bank Ltd. 8.98%

Union Bank of India 8.96%

Indian Bank 8.93%

Allocation by Instruments

Certificate of Deposit 57.230000000000004%

Commercial Paper 38.07000000000001%

Treasury Bills 19.75%

Debenture 0.9%

Other Holdings

Others 0.49%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bank of India Liquid Fund	0.45%	2.9%	6.4%	6.99%	5.89%	6.12%
Canara Robeco Liquid Fund	0.42%	2.85%	6.35%	6.94%	5.84%	6.01%
Mirae Asset Liquid Fund	0.42%	2.85%	6.3%	6.91%	5.83%	6.06%
Mahindra Manulife Liquid Fund	0.43%	2.87%	6.32%	6.93%	5.85%	5.8%
JM Liquid Fund	0.43%	2.82%	6.24%	6.83%	5.78%	6.09%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bank of India Liquid Fund	0.19	0.21	3.36	5.0
Canara Robeco Liquid Fund	0.2	0.24	2.89	4.16
Mirae Asset Liquid Fund	0.2	0.23	2.79	4.37
Mahindra Manulife Liquid Fund	0.19	0.22	3.05	4.5
JM Liquid Fund	0.18	0.21	2.66	3.59

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bank of India Liquid Fund	N.A.	1,107 Cr	17 yrs 6 m	0.14%
Canara Robeco Liquid Fund	N.A.	5,149 Cr	17 yrs 6 m	0.15%
Mirae Asset Liquid Fund	N.A.	15,757 Cr	17 yrs	0.19%
Mahindra Manulife Liquid Fund	N.A.	1,216 Cr	9 yrs 6 m	0.26%
JM Liquid Fund	N.A.	2,285 Cr	28 yrs 1 m	0.26%

View all Liquid funds

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

Alpha	1.02 vs. 2.81 Underperformed at beating benchmark
Sharpe	3.36 vs. 2.63 Better risk-adjusted return
Beta	0.21 vs. 1.66 Less sensitive to market ups & downs
Standard deviation	0.19 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 is a Liquid mutual fund scheme from Bank Of India Mutual Fund. This fund has been in existence for 17 yrs 6 m, having been launched on 09/07/2008. Bank of India Liquid Fund has ₹1,107 Crores worth of assets under management (AUM) as on 31/12/2025 and is small fund of its category. The latest Net Asset Value (NAV) of Bank of India Liquid Fund as of 02/02/2026 is ₹3111.02. The fund has an expense ratio of 0.14%, which is close to what most other Liquid funds charge.

Bank of India Liquid Fund returns of last 1-year are 6.43%. Since launch, it has delivered 6.68% average annual returns. The fund has doubled the money invested in it every 12 yrs.
Bank of India Liquid Fund scheme's ability to deliver returns consistently is in-line with 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 similar borrowers and hence the risk of default in this fund is same as the category.
The fund's top holdings are in Reserve Bank of India, Kotak Mahindra Bank Ltd., Union Bank of India, Indian Bank, Punjab National Bank.

...

Fund AUM	1,107 Cr as on Dec 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	13,871 Cr as on Dec 31, 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 Credit Risk Fund	N.A.	107 Cr	11.49%	7.67%
Bank of India Short Term Income Fund	N.A.	291 Cr	6.23%	7.11%
Bank of India Overnight Fund	N.A.	81 Cr	5.75%	6.44%
Bank of India Ultra Short Duration Fund	N.A.	159 Cr	6.15%	6.35%
Bank of India Money Market Fund	N.A.	369 Cr	6.6%	N.A.

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 plan is approximately ₹3111.0211 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The Bank of India Liquid Fund is a 17 yrs 6 m old fund and has delivered average annual returns of 6.67% since inception.

Bank of India Liquid Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
6.4%	6.99%	5.89%	6.12%	6.67%

How much does this mutual fund charge as expense ratio?

The Bank of India Liquid Fund has an expense ratio of 0.14%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

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 1,107 Cr as on Dec 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	19.75%
Kotak Mahindra Bank Ltd.	8.98%
Union Bank of India	8.96%

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+	95.3%
SOV	19.75%
AAA	0.9%

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

Redeeming your investments in the Bank of India Liquid Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested 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.
Volatility Protection: This fund is one of the best in protecting against volatility in it's category.
Return Outperformance: This fund has generated highest return amongst Liquid funds in the last 10 Years.
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.