BANK OF INDIA LIQUID FUND
Bank of India Mutual Fund · Liquid · Regular plan, growth option
NAV (₹), 1 Oct 2026
3,250.0869
1-day change
0.02%
1Y return
6.5%
3Y CAGR
6.9%
5Y CAGR
6.4%
Max drawdown, 5Y
0.0%
NAV history month-end NAV, ₹ · 18 Jul 2008 to 4 Oct 2026
Returns vs Liquid median (48 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | 0.5% | 0.4% |
| 3 months | 1.6% | 1.5% |
| 6 months | 3.3% | 3.2% |
| Year to date | 5.0% | 4.9% |
| 1 year | 6.5% | 6.4% |
| 3 years (CAGR) | 6.9% | 6.8% |
| 5 years (CAGR) | 6.4% | 6.2% |
| 7 years (CAGR) | 5.7% | 5.6% |
| 10 years (CAGR) | 6.0% | 6.0% |
| Since first NAV (CAGR) | 6.7% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.1% | 7.0% |
| 3Y rolling median | 7.0% | 6.9% |
| 3Y rolling worst | 4.0% | 4.0% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 7.1% | 6.9% |
| 5Y rolling worst | 5.1% | 5.1% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 0.3% | 0.3% |
| Sharpe ratio | 0.72 | 0.34 |
| Sortino ratio | 0.92 | 0.42 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −0.2% | −0.2% |
| Maximum drawdown, last 10Y | −0.2% | −0.2% |
| Maximum drawdown, last 5Y | 0.0% | 0.0% |
| Current drawdown | 0.0% | 0.0% |
| Recovery time of worst fall | n/a | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Market context from Integrato Market Intelligence
This scheme invests mainly in the markets below, which are also close to how many of them are benchmarked. Where those markets stand today:
- 1Y +6.4% · 3Y +6.8% p.a. · 5Y +6.3% p.a. (index fund NAV, after costs)
- At its 52-week high (proxy NAV)
5.50%
1 Jul 2026 · −0.25 pp in a year · 5Y average 5.90%
Index levels and P/E: NSE daily index closing values; gold and silver: IBJA rates; returns: growth NAV of an index fund or ETF tracking the market (AMFI), so they are after that fund's costs. Context only: a market's level or valuation does not tell you how any scheme will perform. Explore all markets.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 0.15% a year and the Direct plan's 0.09%, a gap of 0.06%; over the last 3 years the Direct plan returned 0.04 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹1,64,129.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Mithraem Bharucha | Primary Fund Manager having 13 years of experience in Fixed Income market domain, Investment strategy development, Trade idea generation, Trade execution, Cash Management, Fixed Income portfolio monitoring, Cash flow verification. | 17 Aug 2021 |
Objective: The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through portfolio of debt and money market instruments. The Scheme is not providing any assured or guaranteed returns. Further there is no assurance that the investment objectives of the Scheme will be realized.
Stated asset allocation: Debt instruments (including Asset Backed Securities), Money Market Instruments and floaters having a residualmaturity of upto 91 days-0 to 100%-Low
Benchmark (tier 1): CRISIL Liquid Debt A-I Index
Exit load: 1 day-0.0070% 2 days-0.0065% 3 days-0.0060% 4 days-0.0055% 5 days-0.0050% 6 days-0.0045% 7 days or more-Nil
Minimum application: ₹5,000
Allotment date: 16 Jul 2008
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 0.15% | 0.26% |
| AUM, whole scheme (₹ crore) | 1,874 | 4,912 |
| Riskometer | Low to Moderate | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 6.4% | 6.2% TRI |
| Return, 3 years (AMFI) | 6.9% | 6.8% TRI |
| Return, 5 years (AMFI) | 6.4% | 6.3% TRI |
| Month-ends above category median (3Y CAGR) | 54% | 46% median |
| Month-ends in category top quartile (3Y) | 37% | 7% median |
| 7Y rolling CAGR, median (monthly windows) | 6.4% | 6.4% median |
Official benchmark: CRISIL Liquid Debt A-I Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Liquid Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 5.0% | n/a | – |
| 2025 | 6.6% | n/a | – |
| 2024 | 7.4% | n/a | – |
| 2023 | 7.1% | n/a | – |
| 2022 | 4.9% | n/a | – |
| 2021 | 3.3% | n/a | – |
| 2020 | 4.1% | n/a | – |
| 2019 | 6.4% | n/a | – |
| 2018 | 7.4% | n/a | – |
| 2017 | 6.7% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,24,321 | 6.6% |
| 3 years | ₹3,60,000 | ₹3,98,712 | 6.7% |
| 5 years | ₹6,00,000 | ₹7,11,706 | 6.7% |
| 10 years | ₹12,00,000 | ₹16,38,967 | 6.1% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
Category: Liquid
Plan / option: Regular · Growth
AMFI scheme code: 109254
ISIN: INF761K01306
First NAV in MFIC data: 18 Jul 2008
History: 18.2 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Mirae Asset Liquid Fund | Liquid | 0.99 | 6.8% |
| HSBC Liquid Fund | Liquid | 0.99 | 6.8% |
| Tata Liquid Fund | Liquid | 0.99 | 6.8% |
| BANDHAN LIQUID Fund | Liquid | 0.99 | 6.8% |
| Canara Robeco Liquid Fund | Liquid | 0.99 | 6.9% |
| DSP Liquid Fund | Liquid | 0.99 | 6.9% |
Questions about BANK OF INDIA LIQUID FUND
- What is the latest NAV of BANK OF INDIA LIQUID FUND?
- The NAV of the Regular plan (growth option) was ₹3,250.0869 on 1 Oct 2026, as published by AMFI.
- Which category is BANK OF INDIA LIQUID FUND in?
- It is classified as Liquid in AMFI's daily NAV file; a Liquid scheme invests in securities maturing in up to 91 days. MFIC compares it with 48 Liquid schemes (Regular plans).
- What returns has BANK OF INDIA LIQUID FUND delivered?
- Over one year the NAV changed by 6.5%. The 3-year CAGR is 6.9% (category median 6.8%) and the 5-year CAGR is 6.4% (category median 6.2%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 7.0%, the lowest was 4.0%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in BANK OF INDIA LIQUID FUND's NAV?
- The largest peak-to-trough fall in its available history was 0.2%; within the last five years it was 0.0% (category median 0.0%).
- How volatile is BANK OF INDIA LIQUID FUND?
- Its annualised standard deviation of monthly returns over the last 36 months is 0.3%, which is above the Liquid category median of 0.3%.
- What would a monthly SIP in BANK OF INDIA LIQUID FUND have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,11,706 on 1 Oct 2026, an annualised return (XIRR) of 6.7%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of BANK OF INDIA LIQUID FUND?
- The total expense ratio of the Regular plan is 0.15% a year, as disclosed to AMFI (median of Liquid Regular plans: 0.26%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is BANK OF INDIA LIQUID FUND?
- Assets under management of the whole scheme were ₹1,874 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of BANK OF INDIA LIQUID FUND?
- AMFI lists the scheme's riskometer as “Low to Moderate”, and its benchmark's as “Low to Moderate”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of BANK OF INDIA LIQUID FUND and how has it compared?
- Its official benchmark is the CRISIL Liquid Debt A-I Index. Over 3 years AMFI reports a return of 6.9% for this plan against 6.8% for the benchmark total return index; over 5 years 6.4% against 6.3%. Past performance does not indicate future results.
- How often has BANK OF INDIA LIQUID FUND beaten its category?
- At 54% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Liquid schemes (Regular plans); it was in the top quarter at 37% of them. A typical scheme would show about 50%.
- Who manages BANK OF INDIA LIQUID FUND?
- According to its Scheme Summary Document, BANK OF INDIA LIQUID FUND is managed by Mithraem Bharucha (since 17 Aug 2021).
- What is the exit load of BANK OF INDIA LIQUID FUND?
- As stated in its scheme documents: 1 day-0.0070% 2 days-0.0065% 3 days-0.0060% 4 days-0.0055% 5 days-0.0050% 6 days-0.0045% 7 days or more-Nil Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in BANK OF INDIA LIQUID FUND?
- The minimum application amount is ₹5,000. SIP details: SIP - Not Apllicable, SWP - 1000 & STP - 1000.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 6.5% and the Regular plan's by 6.5%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
Integrato's team can walk you through how your current schemes have behaved, using the same data shown here. Integrato is an AMFI-registered Mutual Fund Distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.