Bank of India Liquid Fund is a Liquid fund run by Bank of India Mutual Fund. On 30-09-2026, it managed ₹1,874 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 6.9% a year and its Regular plan returned 6.9% a year.
NAV (Direct plan)
₹3,296.36
▲ 0.02% · 30-10-2026
NAV (Regular plan)
₹3,262.06
▲ 0.02% · 30-10-2026
Expense ratio
0.09%Direct0.15%Regular
0.09%
A year
Riskometer
Low to Moderate
Set by the fund house
3 year return
6.9%Direct6.9%Regular
6.9%
A year
Bank of India Liquid Fund NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹3,296.36 (up 0.02% that day); Regular Plan Growth ₹3,262.06 (up 0.02% that day).
This fund (Direct plan)
₹3,296.362
Bank of India Liquid Fund Returns vs Liquid Funds
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
Trailing returns
Period
1M
3M
6M
1Y
3Y
5Y
10Y
This fund (Direct)
+0.46%
+1.53%
+3.21%
+6.49%
+6.92%
+6.45%
+6.10%
This fund (Regular)
+0.46%
+1.52%
+3.19%
+6.44%
+6.88%
+6.40%
+6.03%
Liquid average
+0.44%
+1.46%
+3.06%
+6.23%
+6.66%
+6.18%
+5.85%
Best in Liquid
+0.48%
+1.54%
+3.26%
+6.54%
+6.96%
+6.47%
+6.32%
Worst in Liquid
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Rank in Liquid
5/43
4/42
7/42
12/40
11/36
4/34
14/28
Category rows compare the Direct plans of 44 Liquid funds. Rank 1 is the highest return. This fund's benchmark is CRISIL Liquid Debt A-I Index. Returns of that index are not available to us, so the category average is the comparison.
Bank of India Liquid Fund Year-wise Returns
Return of each calendar year
Year
Direct
Regular
2026to date
+5.42%
+5.38%
2025
+6.61%
+6.57%
2024
+7.47%
+7.44%
2023
+7.10%
+7.05%
2022
+4.99%
+4.92%
2021
+3.34%
+3.26%
Bank of India Liquid Fund Rolling Returns
The return of every holding period in the fund's history, not only the one that ends today
Rolling returns
Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 3,951 periods, one for each trading day from 01-01-2016 to 30-10-2026.
0%2%4%6%8%10%
Bank of India Liquid Fund (Direct)
Category average, 43 Liquid funds
Nov 2013 to Nov 2016Sept 2015 to Sept 2018Jul 2017 to Jul 2020May 2019 to May 2022Mar 2021 to Mar 2024Dec 2022 to Dec 2025
Bank of India Liquid Fund (Direct)Category average, 43 Liquid funds
0%
0%
Below 0%
20%
22%
0-5%
80%
78%
5-10%
0%
0%
10-15%
0%
0%
15-20%
0%
0%
20-25%
0%
0%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
4,649
7.1%
3.2%
9.9%
0%
6.8%
100%
2 years
4,316
7.1%
3.4%
9.4%
0%
6.7%
100%
3 years
3,951
7.0%
4.1%
9.0%
0%
6.6%
100%
5 years
3,220
5.9%
5.2%
8.3%
0%
5.7%
100%
7 years
2,490
5.9%
5.7%
7.9%
0%
5.6%
100%
10 years
1,394
6.4%
6.1%
6.8%
0%
6.1%
100%
Every SIP holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
154
7.1%
3.2%
9.7%
0%
6.7%
100%
2 years
142
7.0%
3.4%
9.3%
0%
6.7%
100%
3 years
130
6.9%
3.7%
8.8%
0%
6.6%
100%
5 years
106
6.3%
4.5%
7.8%
0%
6.0%
100%
7 years
82
5.9%
5.1%
7.4%
0%
5.6%
100%
10 years
46
6.0%
5.8%
6.1%
0%
5.8%
100%
Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat category" counts the periods in which the fund did better than the average of the 43 Liquid funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.
Bank of India Liquid Fund Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
Bank of India Liquid Fund (Direct)This fund
Category average
Return (CAGR)
+6.49%
+6.22%
Standard deviation
0.18%
0.18%
Sharpe ratio
6.90
5.54
Sortino ratio
18.84
14.81
Maximum drawdown
−0.01%
(07-07-2026)
−0.01%
(22-10-2026)
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Bank of India Liquid Fund (Direct)This fund
Category average
Return (CAGR)
+6.92%
+6.66%
Standard deviation
0.14%
0.14%
Sharpe ratio
6.60
4.68
Sortino ratio
17.84
12.26
Maximum drawdown
−0.01%
(07-07-2026)
−0.01%
(22-10-2026)
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Bank of India Liquid Fund (Direct)This fund
Category average
Return (CAGR)
+6.45%
+6.19%
Standard deviation
0.13%
0.13%
Sharpe ratio
4.94
2.95
Sortino ratio
10.32
5.88
Maximum drawdown
−0.03%
(05-05-2022)
−0.03%
(05-05-2022)
From daily NAVs, 30-10-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Bank of India Liquid Fund (Direct)This fund
Category average
Return (CAGR)
+6.10%
+5.85%
Standard deviation
0.16%
0.15%
Sharpe ratio
4.47
2.92
Sortino ratio
9.34
5.60
Maximum drawdown
−0.16%
(24-03-2020)
−0.12%
(24-03-2020)
From daily NAVs, 30-10-2016 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Bank of India Liquid Fund (Direct)This fund
Category average
Return (CAGR)
+6.83%
+6.51%
Standard deviation
0.18%
0.25%
Sharpe ratio
4.29
1.81
Sortino ratio
8.29
2.69
Maximum drawdown
−0.16%
(24-03-2020)
−0.34%
(07-01-2013)
From daily NAVs, 01-01-2013 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
−0.4%−0.3%−0.2%−0.1%0%
Bank of India Liquid Fund (Direct)
Category average, 43 Liquid funds
2014201620182020202220242026
Bank of India Liquid Fund (Direct)Category average, 43 Liquid funds
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
Bank of India Liquid Fund (Direct)
−0.16%
17-03-2020
24-03-2020
27-03-2020
3 days
0.0%
Category average
−0.34%
06-01-2013
07-01-2013
11-01-2013
4 days
0.0%
From the Direct plan's daily NAV since 01-01-2013, adjusted for unit splits, and the average of the 43 Liquid funds (Direct plans, each weighted the same) over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.
Bank of India Liquid Fund vs Other Liquid Funds
The five Liquid funds with the best three year return, and this fund. Direct plans.
AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.
Bank of India Liquid Fund Expense Ratio and Costs
What each plan charges a year, in force from 01-09-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
Liquid median
Cost rank (1 = cheapest)
Direct
0.07%
0.01%
0.00%
0.01%
0.09%
0.14%
6/43
Regular
0.12%
0.01%
0.00%
0.02%
0.15%
0.25%
1/43
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Liquid funds' plans of the same type are sorted from the lowest total expense ratio to the highest.
Direct vs Regular: what the gap cost
Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.
Over the last
Regular
Direct
Direct earned more by
₹1 lakh became (Regular)
₹1 lakh became (Direct)
1 year
6.44%
6.49%
0.05%
₹1,06,440
₹1,06,490
3 years
6.88%
6.92%
0.04% a year
₹1,22,093
₹1,22,230
5 years
6.40%
6.45%
0.05% a year
₹1,36,367
₹1,36,687
10 years
6.03%
6.10%
0.07% a year
₹1,79,592
₹1,80,781
Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.
Bank of India Liquid Fund SIP Calculator
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
Step up each year
PeriodFor
₹10,000 on the first trading day of every month, from 01-01-2013 to 30-10-2026: 166 instalments, ₹16,60,000 in all.
Investment
Invested
Value now
Gain
Return a year
Direct planBank of India Liquid Fund (Direct)
₹16,60,000
₹26,20,870
₹9,60,870
6.3%
Regular planBank of India Liquid Fund (Regular)
₹16,60,000
₹26,07,401
₹9,47,401
6.3%
Category averageCategory average, 43 Liquid funds
₹16,60,000
₹25,70,208
₹9,10,208
6.1%
₹0₹10.0 L₹20.0 L₹30.0 L
Direct planBank of India Liquid Fund (Direct)
Regular planBank of India Liquid Fund (Regular)
Category averageCategory average, 43 Liquid funds
Amount invested
2014201620182020202220242026
Direct planBank of India Liquid Fund (Direct)Regular planBank of India Liquid Fund (Regular)Category averageCategory average, 43 Liquid fundsAmount invested
From each plan's published NAV (Growth option) and the category average, over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Bank of India Liquid Fund Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
118.0%Debt
Asset
Fund
Category
Debt
118.0%
97.0%
Cash and others
−18.0%
6.5%
Cash and others is below 0: on that day the fund owed more in payments due than it held in cash.
Credit rating
Bonds and money market papers by credit rating, % of the fund. Category: the average of 42 Liquid funds.
Rating
Fund
Category
Sovereign
19.7%
15.2%
AAA and A1+
98.3%
81.1%
Bank of India Liquid Fund Portfolio Holdings
As on 30-09-2026 · 44 holdings · from the fund house's monthly portfolio
Holdings
Rating
Weight%
National Bank For Agriculture and Rural Development (10/11/2026) · Certificate of deposit
FITCH A1+
7.95%
Small Industries Dev Bank of India (10/11/2026) · Certificate of deposit
CARE A1+
5.30%
Axis Bank Limited (16/12/2026)
CRISIL A1+
5.27%
364 Days Tbill (MD 26/11/2026) · Treasury bill
SOVEREIGN
3.97%
91 Days Tbill (MD 19/11/2026) · Treasury bill
SOVEREIGN
3.97%
Aditya Birla Housing Finance Limited (23/11/2026) · Commercial paper
CRISIL A1+
3.96%
Canara Bank (30/11/2026) · Certificate of deposit
CRISIL A1+
3.96%
Indian Bank (15/12/2026) · Certificate of deposit
CRISIL A1+
3.95%
HDFC Bank Limited (19/11/2026) · Certificate of deposit
CARE A1+
3.70%
364 Days Tbill (MD 03/12/2026) · Treasury bill
SOVEREIGN
3.44%
Small Industries Dev Bank of India (06/11/2026) · Certificate of deposit
CRISIL A1+
2.65%
Bank of Baroda (06/11/2026) · Certificate of deposit
FITCH A1+
2.65%
ICICI Home Finance Company Limited (17/11/2026) · Commercial paper
ICRA A1+
2.65%
Axis Securities Limited (04/11/2026) · Commercial paper
CRISIL A1+
2.65%
91 Days Tbill (MD 27/11/2026) · Treasury bill
SOVEREIGN
2.65%
Bajaj Finance Limited (04/11/2026) · Commercial paper
ICRA A1+
2.65%
ICICI Securities Limited (13/11/2026) · Commercial paper
CRISIL A1+
2.65%
Redington Limited (13/11/2026) · Commercial paper
CRISIL A1+
2.65%
Axis Finance Limited (26/11/2026) · Commercial paper
CRISIL A1+
2.64%
91 Days Tbill (MD 10/12/2026) · Treasury bill
SOVEREIGN
2.64%
Canara Bank (23/11/2026) · Certificate of deposit
CRISIL A1+
2.64%
Motilal Oswal Financial Services Limited (17/11/2026) · Commercial paper
CRISIL A1+
2.64%
Axis Bank Limited (27/11/2026)
CRISIL A1+
2.64%
Reliance Retail Ventures Limited (11/12/2026) · Commercial paper
CRISIL A1+
2.64%
Godrej Industries Limited (20/11/2026) · Commercial paper
CRISIL A1+
2.64%
LIC Housing Finance Limited (26/11/2026) · Commercial paper
CRISIL A1+
2.64%
Reliance Retail Ventures Limited (27/11/2026) · Commercial paper
CRISIL A1+
2.64%
Kotak Securities Limited (03/12/2026) · Commercial paper
CRISIL A1+
2.64%
Manappuram Finance Limited (03/12/2026) · Commercial paper
CRISIL A1+
2.63%
HDFC Securities Limited (07/12/2026) · Commercial paper
CRISIL A1+
2.63%
Kotak Mahindra Bank Limited (21/12/2026)
CRISIL A1+
2.63%
Union Bank of India (27/10/2026) · Certificate of deposit
ICRA A1+
2.39%
HDFC Bank Limited (06/11/2026) · Certificate of deposit
CARE A1+
2.39%
Bank of Baroda (05/11/2026) · Certificate of deposit
CARE A1+
1.33%
AU Small Finance Bank Limited (06/11/2026) · Certificate of deposit
CRISIL A1+
1.33%
Bank of Baroda (11/12/2026) · Certificate of deposit
FITCH A1+
1.32%
182 Days Tbill (MD 19/11/2026) · Treasury bill
SOVEREIGN
1.32%
182 Days Tbill (MD 17/12/2026) · Treasury bill
SOVEREIGN
1.32%
Axis Bank Limited (07/12/2026)
CRISIL A1+
1.32%
Kotak Mahindra Prime Limited (20/11/2026) · Commercial paper
CRISIL A1+
1.32%
Kotak Mahindra Prime Limited (04/12/2026) · Commercial paper
CRISIL A1+
1.32%
ICICI Securities Limited (15/12/2026) · Commercial paper
CRISIL A1+
1.31%
91 Days Tbill (MD 01/10/2026) · Treasury bill
SOVEREIGN
0.40%
Corporate Debt Market Development Fund
0.30%
Bank of India Liquid Fund Portfolio Overlap
Funds with the most similar portfolios, across every fund house and category
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
Bank of India Liquid Fund Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
0.09%
Expense ratio (Regular)
0.15%
Category
Liquid
Risk
Low to Moderate
Benchmark
CRISIL Liquid Debt A-I Index
Launch date
16-07-2008
Minimum investment
₹5,000
Minimum additional investment
₹1,000
AUM
₹1,874.05 Cr (30-09-2026)
Lock in
None
Scheme code (Direct)
119369
ISIN (Direct)
INF761K01785
Scheme code (Regular)
109254
ISIN (Regular)
INF761K01306
NAV history
From 01-01-2013, 13.8 years
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.
Tax on Bank of India Liquid Fund returns
Bank of India Liquid Fund is taxed as a debt fund: 65% or more of it is in bonds and money market papers.
For units bought on or after 01-04-2023, the gain is added to your income and taxed at your slab rate, however long you hold the units.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
All plans and options
Plan
Option
NAV
As on
direct
Growth
₹3,296.362
30-10-2026
direct
Daily IDCW
₹1,005.00
30-10-2026
direct
Weekly IDCW
₹1,005.8338
30-10-2026
regular
Growth
₹3,262.062
30-10-2026
regular
Daily IDCW
₹1,005.00
30-10-2026
regular
Weekly IDCW
₹1,005.8274
30-10-2026
About Bank of India Liquid Fund
Bank of India Liquid Fund is a mutual fund from Bank of India Mutual Fund. Its category is Liquid. It was launched on 16-07-2008. Its benchmark is CRISIL Liquid Debt A-I Index. At the end of September 2026 it held 44 securities.
Fund Manager
Mithraem Bharucha
Fund manager of Bank of India Liquid Fund, since 17-08-2021
Frequently Asked Questions for Bank of India Liquid Fund
What is the current NAV of Bank of India Liquid Fund?
The Direct plan NAV is ₹3,296.362. The Regular plan NAV is ₹3,262.062, as on 30-10-2026.
What are the returns of Bank of India Liquid Fund?
The Direct plan returned +6.49% in 1 year, +6.92% a year over 3 years, +6.45% a year over 5 years. The Regular plan returned +6.44% in 1 year, +6.88% a year over 3 years, +6.40% a year over 5 years. These figures are as on 30-10-2026.
What is the expense ratio of Bank of India Liquid Fund?
The Direct plan charges 0.09% a year. The Regular plan charges 0.15% a year. This is the figure the fund house reported to AMFI, in force from 01-09-2026.
What is the AUM of Bank of India Liquid Fund?
Bank of India Liquid Fund managed ₹1,874.05 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of Bank of India Liquid Fund?
At the end of September 2026 the largest holdings were National Bank For Agriculture and Rural Development (10/11/2026) (7.95%), Small Industries Dev Bank of India (10/11/2026) (5.30%), Axis Bank Limited (16/12/2026) (5.27%), 364 Days Tbill (MD 26/11/2026) (3.97%), 91 Days Tbill (MD 19/11/2026) (3.97%). The fund held 44 securities in all.
How do I invest in Bank of India Liquid Fund?
Through Bank of India Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹5,000. You can invest once or through a monthly SIP.
Who is the fund manager of Bank of India Liquid Fund?
Mithraem Bharucha (since 17-08-2021).
What is the exit load of Bank of India Liquid Fund?
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.
Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.
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