Bank of India Money Market Fund

Money MarketDirect and Regular plans, Growth and IDCW options

Data as on 30-10-2026

Bank of India Money Market Fund is a Money Market fund run by Bank of India Mutual Fund. On 30-09-2026, it managed ₹410 Cr of investors' money. In the year to 30-10-2026, its Direct plan returned 6.4% and its Regular plan returned 6.0%.

NAV (Direct plan): ₹11.25; ▲ 0.02%30-10-2026
NAV (Regular plan): ₹11.17; ▲ 0.02%30-10-2026
Expense ratio: 0.17%Direct0.54%Regular; 0.17%; A year
Riskometer: Low to Moderate; Set by the fund house
1 year return: 6.4%Direct6.0%Regular; 6.4%; Total

Bank of India Money Market Fund NAV Today

NAV on 30-10-2026: Direct Plan Growth ₹11.25 (up 0.02% that day); Regular Plan Growth ₹11.17 (up 0.02% that day).

This fund (Direct plan)

₹11.2529

Bank of India Money Market Fund Returns vs Money Market 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)	+0.32%	+1.47%	+3.26%	+6.41%	--	--	--
This fund (Regular)	+0.29%	+1.40%	+3.10%	+5.99%	--	--	--
Money Market average	+0.33%	+1.49%	+3.29%	+6.35%	--	--	--
Best in Money Market	+0.38%	+1.57%	+3.37%	+6.57%	--	--	--
Worst in Money Market	+0.30%	+1.41%	+3.11%	+6.17%	--	--	--
Rank in Money Market	14/27	17/27	22/27	7/25	--	--	--

Category rows compare the Direct plans of 27 Money Market funds. Rank 1 is the highest return. This fund's benchmark is CRISIL Money Market A-I Index. Returns of that index are not available to us, so the category average is the comparison.

Bank of India Money Market Fund Year-wise Returns

Return of each calendar year
Year	Direct	Regular
2026to date	+5.33%	+4.99%

Bank of India Money Market 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 1-year holding period, plotted on the day it ended. There are 176 periods, one for each trading day from 05-02-2026 to 30-10-2026.

0%2%4%6%8%

Feb 2025
to
Feb 2026Apr 2025
to
Apr 2026May 2025
to
May 2026Jul 2025
to
Jul 2026Aug 2025
to
Aug 2026Oct 2025
to
Oct 2026

Bank of India Money Market Fund (Direct)Category average, 27 Money Market funds

Every holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss	Category median	Beat category
1 year	176	6.6%	6.0%	7.4%	0%	6.5%	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 27 Money Market funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.

Bank of India Money Market Fund Risk

How much it swings, and the falls an investor had to sit through

Risk and return

Measure	Bank of India Money Market Fund (Direct)This fund	Category average
Return (CAGR)	+6.41%	+6.32%
Standard deviation	0.56%	0.50%
Sharpe ratio	2.07	2.14
Sortino ratio	3.41	3.45
Maximum drawdown	−0.16% (22-05-2026)	−0.14% (22-05-2026)

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 Money Market Fund (Direct)This fund	Category average
Return (CAGR)	+7.03%	+6.95%
Standard deviation	0.52%	0.48%
Sharpe ratio	2.97	3.10
Sortino ratio	5.37	5.61
Maximum drawdown	−0.16% (22-05-2026)	−0.14% (22-05-2026)

From daily NAVs, 05-02-2025 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.

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.

−0.2%−0.1%0%

2026

Bank of India Money Market Fund (Direct)Category average, 27 Money Market funds

	Worst fall	High before it	Bottom	Back at the high	Time to climb back	Below its high today
Bank of India Money Market Fund (Direct)	−0.16%	11-05-2026	22-05-2026	01-06-2026	10 days	0.0%
Category average	−0.14%	11-05-2026	22-05-2026	31-05-2026	9 days	0.0%

From the Direct plan's daily NAV since 05-02-2025, adjusted for unit splits, and the average of the 27 Money Market 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 Money Market Fund vs Other Money Market Funds

The five Money Market funds with the best three year return, and this fund. Direct plans.

Fund name	Rank	AUM (Cr)	Exp. ratio	1Y return	3Y return	3Y alpha	3Y beta	3Y Sharpe	3Y Sortino
Tata Money Market Fund	1/23	31,690	0.18%	+6.45%	+7.44%	--	--	3.36	6.53	Compare
Axis Money Market Fund	2/23	19,012	0.18%	+6.43%	+7.37%	--	--	3.20	6.13	Compare
Bandhan Money Market Fund	3/23	13,129	0.11%	+6.46%	+7.34%	--	--	3.16	5.98	Compare
Aditya Birla Sun Life Money Market Fund	4/23	26,943	0.22%	+6.36%	+7.33%	--	--	3.05	5.61	Compare
Franklin India Money Market Fund	4/23	3,887	0.14%	+6.43%	+7.33%	--	--	3.12	5.97	Compare
Bank of India Money Market Fund	7/25	410	0.17%	+6.41%	--	--	--	--	--

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 Money Market 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	Money Market median	Cost rank (1 = cheapest)
Direct	0.14%	0.01%	0.00%	0.02%	0.17%	0.17%	13/27
Regular	0.45%	0.01%	0.00%	0.08%	0.54%	0.40%	22/27

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 Money Market 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	5.99%	6.41%	0.42%	₹1,05,990	₹1,06,410

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 Money Market 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

Every month₹

Step up each year

PeriodFor

₹10,000 on the first trading day of every month, from 05-02-2025 to 30-10-2026: 21 instalments, ₹2,10,000 in all.

Investment	Invested	Value now	Gain	Return a year
Direct planBank of India Money Market Fund (Direct)	₹2,10,000	₹2,22,650	₹12,650	6.6%
Regular planBank of India Money Market Fund (Regular)	₹2,10,000	₹2,21,811	₹11,811	6.1%
Category averageCategory average, 27 Money Market funds	₹2,10,000	₹2,22,516	₹12,516	6.5%

₹0₹50,000₹1.0 L₹1.5 L₹2.0 L₹2.5 L

2026

Direct planBank of India Money Market Fund (Direct)Regular planBank of India Money Market Fund (Regular)Category averageCategory average, 27 Money Market 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 Money Market Fund Asset Allocation

Asset allocation as on 30-09-2026

What the fund holds

98.5%Debt

Asset	Fund	Category
Debt	98.5%	99.5%
Cash and others	1.5%	3.0%

Credit rating

Bonds and money market papers by credit rating, % of the fund. Category: the average of 27 Money Market funds.

Rating	Fund	Category
Sovereign	10.2%	10.6%
AAA and A1+	88.4%	88.8%

Bank of India Money Market Fund Portfolio Holdings

As on 30-09-2026 · 26 holdings · from the fund house's monthly portfolio

Holdings	Rating	Weight%
Union Bank of India (19/01/2027) · Certificate of deposit	ICRA A1+	5.97%
Kotak Mahindra Bank Limited (04/02/2027)	CRISIL A1+	5.96%
364 Days Tbill (MD 25/02/2027) · Treasury bill	SOVEREIGN	5.95%
Axis Bank Limited (12/02/2027)	CRISIL A1+	5.95%
Axis Finance Limited (12/02/2027) · Commercial paper	CRISIL A1+	5.93%
Kotak Securities Limited (12/02/2027) · Commercial paper	CRISIL A1+	5.93%
HDFC Bank Limited (05/03/2027) · Certificate of deposit	CARE A1+	5.92%
Manappuram Finance Limited (10/02/2027) · Commercial paper	CRISIL A1+	5.92%
National Bank For Agriculture and Rural Development (05/03/2027) · Certificate of deposit	CRISIL A1+	5.92%
ICICI Bank Limited (25/03/2027)	ICRA A1+	5.90%
National Bank For Agriculture and Rural Development (17/03/2027) · Certificate of deposit	CRISIL A1+	4.72%
Godrej Housing Finance Limited (19/03/2027) · Commercial paper	CRISIL A1+	4.71%
364 Days Tbill (MD 25/12/2026) · Treasury bill	SOVEREIGN	3.61%
Motilal Oswal Financial Services Limited (05/02/2027) · Commercial paper	CRISIL A1+	3.56%
Punjab National Bank (12/03/2027) · Certificate of deposit	CRISIL A1+	3.55%
Aditya Birla Housing Finance Limited (09/03/2027) · Commercial paper	CRISIL A1+	3.55%
ICICI Bank Limited (27/01/2027)	ICRA A1+	2.98%
Canara Bank (29/06/2027) · Certificate of deposit	CRISIL A1+	2.89%
ICICI Bank Limited (12/02/2027)	ICRA A1+	2.38%
Bank of Baroda (11/12/2026) · Certificate of deposit	FITCH A1+	1.93%
Union Bank of India (27/10/2026) · Certificate of deposit	ICRA A1+	1.21%
Small Industries Dev Bank of India (26/02/2027) · Certificate of deposit	CRISIL A1+	1.19%
ICICI Securities Limited (15/03/2027) · Commercial paper	CRISIL A1+	1.18%
Small Industries Dev Bank of India (03/09/2027) · Certificate of deposit	CRISIL A1+	1.14%
364 Days Tbill (MD 07/01/2027) · Treasury bill	SOVEREIGN	0.60%
Corporate Debt Market Development Fund		0.29%

Bank of India Money Market Fund Portfolio Overlap

Funds with the most similar portfolios, across every fund house and category

Fund	Overlap	Holdings in common
Bank of India Ultra Short Term FundUltra Short · Bank of India	26.7%	11	Compare
HSBC Money Market FundMoney Market · HSBC	13.9%	9	Compare
UTI Banking & PSU Debt FundBanking & PSU · UTI	13.1%	5	Compare
Baroda BNP Paribas Money Market FundMoney Market · Baroda BNP Paribas	13.1%	7	Compare
LIC MF Money Market FundMoney Market · LIC	13.0%	9	Compare
Bandhan Money Market FundMoney Market · Bandhan	12.8%	11	Compare
Invesco India Money Market FundMoney Market · Invesco	12.1%	8	Compare
Nippon India CRISIL-IBX Financial Services 3-6 Months Debt Index FundIndex · Nippon India	12.0%	4	Compare

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 Money Market Fund Overview

Fund facts from the scheme summary document, as on 16-10-2026

Expense ratio (Direct): 0.17%
Expense ratio (Regular): 0.54%
Category: Money Market
Risk: Low to Moderate
Benchmark: CRISIL Money Market A-I Index
Launch date: 04-02-2025
Minimum investment: ₹5,000
Minimum additional investment: ₹1,000
AUM: ₹410.33 Cr (30-09-2026)
Lock in: None
Scheme code (Direct): 153294
ISIN (Direct): INF761K01GO5
Scheme code (Regular): 153293
ISIN (Regular): INF761K01GS6
NAV history: From 05-02-2025, 1.7 years

Exit load: Nil

Tax on Bank of India Money Market Fund returns

Bank of India Money Market 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	₹11.2529	30-10-2026
direct	Daily IDCW	₹10.05	30-10-2026
direct	Monthly IDCW	₹10.0582	30-10-2026
direct	Weekly IDCW	₹10.1316	30-10-2026
regular	Growth	₹11.165	30-10-2026
regular	Daily IDCW	₹10.05	30-10-2026
regular	Monthly IDCW	₹10.0578	30-10-2026
regular	Weekly IDCW	₹10.0561	30-10-2026

About Bank of India Money Market Fund

Bank of India Money Market Fund is a mutual fund from Bank of India Mutual Fund. Its category is Money Market. It was launched on 04-02-2025. Its benchmark is CRISIL Money Market A-I Index. At the end of September 2026 it held 26 securities.

Fund Manager

Mithraem Bharucha
Fund manager of Bank of India Money Market Fund, since 04-02-2025

See all funds of Bank of India Mutual Fund

AUM change

September 2026: ₹410.33 Cr; −7.30% from August 2026
August 2026: ₹442.64 Cr; −6.17% from July 2026
July 2026: ₹471.77 Cr; +13.01% from June 2026

AUM moves with money invested or taken out, and with the value of what the fund holds.

Compare Bank of India Money Market Fund with Other Funds

Returns, risk, costs and the stocks they share, side by side

Bank of India Money Market vs Tata Money MarketMoney Market
Bank of India Money Market vs Axis Money MarketMoney Market
Bank of India Money Market vs Bandhan Money Market12.8% overlap
Bank of India Money Market vs Aditya Birla Sun Life Money MarketMoney Market
Bank of India Money Market vs Franklin India Money MarketMoney Market
Bank of India Money Market vs Bank of India Ultra Short Term26.7% overlap
Bank of India Money Market vs HSBC Money Market13.9% overlap
Bank of India Money Market vs UTI Banking & PSU Debt13.1% overlap

Compare with any other fund

Frequently Asked Questions for Bank of India Money Market Fund

What is the current NAV of Bank of India Money Market Fund?

The Direct plan NAV is ₹11.2529. The Regular plan NAV is ₹11.165, as on 30-10-2026.

What are the returns of Bank of India Money Market Fund?

The Direct plan returned +6.41% in 1 year. The Regular plan returned +5.99% in 1 year. These figures are as on 30-10-2026.

What is the expense ratio of Bank of India Money Market Fund?

The Direct plan charges 0.17% a year. The Regular plan charges 0.54% 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 Money Market Fund?

Bank of India Money Market Fund managed ₹410.33 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.

What are the top holdings of Bank of India Money Market Fund?

At the end of September 2026 the largest holdings were Union Bank of India (19/01/2027) (5.97%), Kotak Mahindra Bank Limited (04/02/2027) (5.96%), 364 Days Tbill (MD 25/02/2027) (5.95%), Axis Bank Limited (12/02/2027) (5.95%), Axis Finance Limited (12/02/2027) (5.93%). The fund held 26 securities in all.

How do I invest in Bank of India Money Market 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 Money Market Fund?

Mithraem Bharucha (since 04-02-2025).

What is the exit load of Bank of India Money Market Fund?

Nil

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.