Data as on 04th feb 2025

Bank Of India LIQUID FUND

Investment 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.There is no assurance that the investment objective of the scheme will be achieved.

Fund Manager

  • Mr. Mithraem Bharucha

    BMS and MBA

    Mithraem Bharucha
    See detail

Fund Highlights

  • Open-ended liquid scheme suitable for short-term deployment of funds.
  • Bank of India Liquid Fund operates on the principles of safety, liquidity and returns where capital preservation is of utmost importance.
  • It is an ideal investment avenue for very short-term parking of excess liquidity.
  • Maintains a very low portfolio duration to meet any liquidity requirements, while endeavoring to preserve capital.
  • Click here for KIM
  • Click here for SID

Riskometer

Scheme Riskometer:

Investor understand that their principal will be at very high risk 

The above Riskometer is based on the portfolio as on 31st August 2026.

This product is suitable for investors who are seeking*:

  • Income over short term.
  • Investment in Debt and Money Market Instruments.

Benchmark Riskometer: Tier 1: CRISIL Liquid Debt A-I Index :

Investor understand that their principal will be at very high risk

*Investor should consult their financial advisor if in doubt about whether the product is suitable for them

The above Benchmark Riskometer is based on the portfolio as on 31st August 2026.

Potential Risk Class Matrix
Credit Risk Relatively Low (Class A) Moderate (Class B) Relatively High (Class C)
Interest rate Risk
Relatively Low (Class I) B-I
Moderate (Class II)
Relatively High (Class III)

Top 10 Portfolio Holdings

Portfolio Details % to Net Assets
Government of India 17.9%
Small Industries Dev Bank of India 9.5%
Indian Bank 6.3%
Canara Bank 5.4%
Union Bank of India 5.2%
Kotak Mahindra Bank Limited 4.1%
Motilal Oswal Financial Services Limited 4.1%
ICICI Home Finance Company Limited 4.1%
Aditya Birla Housing Finance Limited 4.0%

Credit Profile

79.3%
A1+
17.9%
SOV
1.7%
Others*
1.1%
TREPS

Asset Allocation

79.4%
Money Market Instruments
17.9%
GOVERNMENT BOND AND TREASURY BILL
2.4%
Cash & Other Receivables
0.3%
CDMDF

Fund Performance

  • Scheme
  • Benchmark
Total Expense Ratio
november-2025.xlsx file downloaded successfully

Performance for Regular-Growth Plan

Current Value of Standard Investment of Rs 10000 in the
Date NAV Per Unit(Rs.) Scheme Returns(%)^ Benchmark Returns #(%) Additional Benchmark Returns # #(%) Scheme (Rs) Benchmark #(Rs) Additional Benchmark # #(Rs)
7 Days 3226.9938 6.81 % 6.48 % 4.13 % 10013 10012 10008
15 Days 3223.2025 6.04 % 5.87 % 2.80 % 10024 10023 10011
30 Days 3213.8534 6.36 % 6.25 % 4.21 % 10052 10052 10035
3 Months 3176.9494 6.78 % 6.47 % 5.53 % 10167 10159 10137
6 Months 3125.4251 6.71 % 6.41 % 4.12 % 10319 10308 10214
1 Year 3036.1237 6.43 % 6.20 % 4.29 % 10643 10620 10429
3 Years 2641.8272 6.94 % 6.79 % 6.27 % 12231 12179 12004
5 Years 2380.3127 6.30 % 6.24 % 5.67 % 13575 13537 13177
10 Years 1795.3646 6.05 % 6.01 % 5.94 % 17998 17935 17809
Since inception 1000.0000 6.68 % 6.77 % 6.29 % 32312 32838 30218

^ Past performance may or may not be sustained in the future
# CRISIL Liquid Debt A-I Index
# # CRISIL 1 Year T-Bill Index


^ Past performance may or may not be sustained in the future. Date of Allotment - *Regular Plan: March 18, 2009 #Direct Plan: January 1, 2013.
Above returns are in Compounded Annual Growth Rate (CAGR).
@ In case, the start date or the end date of the concerned period is a non-business day, the NAV of the previous business day is considered for computation of returns.

1. Mr. Mithraem Bharucha has been managing this scheme w.e.f. August 17, 2021. In addition to this scheme, he manages 4 open ended schemes and co-manages 1 open ended scheme of Bank of India Mutual Fund.
2. Period for which scheme’s performance has been provided is computed basis on last day of the Month-end preceding the date of publication.
3. Different plans shall have a different expense structure.

IDCW History

CLICK HERE TO VIEW THE IDCW HISTORY

Liq-uity

 

Liq-uity is a revolutionary new concept in investing where the daily gains, if any, from BOI AXA Liquid Fund (BALF) or BOI AXA Ultra Short Duration Fund  get transferred (BAUSDF) to BOI AXA Large & Mid Cap Fund (BALMCF) / BOI AXA MANUFACTURING & INFRASTRUCTURE FUND (BAMIF) on all business days. So your capital is liquid, and your daily gains keep growing! Could there be a better way to invest?

Liq-uity is a revolutionary new concept in investing where the daily gains, if any, from BOI AXA Liquid Fund (BALF) or BOI AXA Ultra Short Duration Fund (BAUSDF) get transferred to BOI AXA Large & Mid Cap Fund (BAELMCF) / BOI AXA MANUFACTURING & INFRASTRUCTURE FUND (BAMIF) on all business days. So your capital is liquid, and your daily gains keep growing! Could there be a better way to invest?

WHAT IS Liq-uity

  • For investors opting for the Daily Dividend Transfer Facility under Liq-uity in BALF/ BAUSDF, the daily dividend gets transferred to BALMCF / BAMIF while the initial investment remains invested in BALF / BAUSDF.
  • For investors opting for the Growth Option, the daily appreciation in NAV gets switched from BALF / BAUSDF in to BALMCF/ BAMIF. To effect the switch, the Units in BALF/BAUSDF will automatically get redeemed to the extent of the daily appreciation amount and the appreciation amount will be invested in BALMCF/ BAMIF.
  • Daily transfer of such gains enables you to ride market volatility with the endeavor to optimize returns.

Advantages of Liq-uity

  • Enables investors to get the best out of both fixed income and equity investments
    • Enjoy the benefits of Liq-uity
    • Enjoy the opportunity to earn attractive returns in line with equity markets
  • Conservative
    • Only your gains earned from BALF / BAUSDF are transferred to  BALMCF/ BAMIF
    • Initial Capital remains invested in BALF / BAUSDF at all times
  • Daily Participation in Equities
    • Take advantage of Rupee Cost Averaging on a daily basis (on all business days)