Bank of India Liquid Fund

Bank of India Liquid Fund

Debt

BOI AXA Mutual Fund

Liquid

Get the latest NAV of Bank of India Liquid Fund. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.

₹3218.05

NAV as on 12 Jun 2026

6.84%/per year

Since Inception

Absolute Gain%

▲▼

122 people have invested ₹ 5Cr in Bank of India Liquid Fund in the last three months

Bank of India Liquid Fund Performance vs. Liquid Index

Fund returns vs Benchmark returns vs Category Average returns as on (12-Jun-26)

The fund has consistently outperformed the benchmark (Liquid Index) over the last 1Y, 3Y, 5Y time periods.

Period
1M
3M
6M
1Y
3Y
5Y
This Fund
0.56%
1.73%
3.24%
6.24%
6.99%
6.2%
Liquid Index
0.38%
1.32%
2.56%
5.19%
5.51%
5.07%
Liquid Avg
0.38%
1.3%
2.61%
5.36%
6.24%
5.57%
Best in Liquid
0.58%
1.79%
3.29%
6.31%
7.03%
6.23%
Worst in Liquid
-0.04%
0.04%
0.04%
5.74%
6.51%
5.8%
Category Rank
25/33
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Bank of India Liquid Fund Ranking and Peer Comparison

Ranked based on performance, risk management and cost efficiency

5
/33
97% Performance
27% Risk Management
96% Cost

Ranked 5 out of 33 mutual funds in the liquid category as per INDmoney.

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
3Y Alpha
3Y Beta
3Y Sharpe
3Y Sortino
3Y Info Ratio
Bank of India Liquid Fund
5/33
1,767Cr
0.07%
6.24%
6.99%
0.02
1.43
3.16
35.10
2.77
Bajaj Finserv Liquid Fund
1/33
6,085Cr
0.07%
6.24%
-
--
--
--
--
--
Franklin India Liquid Super Institutional Fund
2/33
3,897Cr
0.12%
6.27%
7%
--
1.54
2.91
34.20
2.22
Edelweiss Liquid Fund
3/33
14,759Cr
0.12%
6.29%
7.03%
--
1.64
2.97
25.44
2.53
See all

Bank of India Liquid Fund Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

  • 1-time

  • SIP

Total Investment

0

Profit

Total Corpus

0

Absolute Return
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Bank of India Liquid Fund Asset Allocation

See fund asset allocation details as on (14-May-26)

Fund Distribution

as on (14-May-26)

AAA
100%
Cash allocation has gone up from 99.7% to 99.7%
Cash allocation has gone up from 99.7% to 99.7%

Bank of India Liquid Fund Sector Allocation

See fund sector allocation details as on (14-May-26)

Sector Allocation

Cash Equivalent
68.7%
Corporate
26.3%
Government
5%

Top 2 Sectors in April were Corporate, Government

Apr'26

Corporate

29%

Government

10%

Mar'26

Corporate

29%

Government

4%

Bank of India Liquid Fund Overview

Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.

Expense ratio0.07%
Benchmark
CRISIL Liquid Debt TR INR
AUM₹1767 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹5,000/--
Exit Load
0.0%
Lock InNo Lock-in
TurnOver
741.85%
Risk
Risk meter
pointer
Low to Moderate Risk

About Bank of India Liquid Fund

Bank of India Liquid Fund is a debt fund. This fund was started on 1 January, 2013. The fund is managed by Mithraem Bharucha. This fund is suitable to keep your money safe.

Key Parameters

  1. Bank of India Liquid Fund has ₹1767 Cr worth of assets under management (AUM) as on May 2026 and is more than category average.
  2. The fund has an expense ratio 0.1.

Returns

Bank of India Liquid Fund has given a CAGR return of 6.84% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 6.24%, 6.99% and 6.20% respectively.

Holdings

Bank of India Liquid Fund has allocated its funds majorly in Cash Equivalent, Corporate, Government. Its top holdings are Punjab National Bank, Godrej Consumer Products Limited, Tbill, Reliance Industries Limited, Tbill

Taxation

As it is a liquid mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of Bank of India Liquid Fund

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.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 5000.00 and for SIP is INR 1000.00. Bank of India Liquid Fund has no lock in period.

Fund Manager

Mithraem Bharucha

Fund Manager of Bank of India Liquid Fund, since 17 August 2021

Learn more about BOI AXA Mutual Fund
Parameters
Apr'26
Mar'26
Feb'26
AUM
₹ 1.7K Cr
₹ 1.6K Cr
₹ 1.9K Cr
  • AUM of the fund stands at 1.7K Cr as of Apr'26
  • AUM increased by 123.6 Cr between Apr'26 and Mar'26

Frequently Asked Questions for Bank of India Liquid Fund

How do I invest in Bank of India Liquid Fund?

INDmoney makes it simple to invest in the Bank of India Liquid Fund. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘Bank of India Liquid Fund’.
  • Select whether you want to invest in SIP or lump sum.
  • Enter the amount you wish to invest.
  • Set up payments via bank mandate or UPI.

What is the current NAV of Bank of India Liquid Fund?

The NAV of the fund today is ₹3218.05. NAV or Net Asset Value is the per unit price of a mutual fund. For example, if the NAV of a fund is ₹10, it means you can get 1000 units of that mutual fund at ₹10,000.

What is the return on the fund?

Bank of India Liquid Fund fund has generated a return of 6.24% in 1 year, 6.99% in 3 years, 6.20% in 5 years.

Who is the fund manager of Bank of India Liquid Fund?

The fund managers are Mithraem Bharucha.

What is the exit load of the fund?

The exit load is 0.007% if redeemed in 0-1 Days, 0.0065% if redeemed in 1-2 Days, 0.006% if redeemed in 2-3 Days, 0.0055% if redeemed in 3-4 Days, 0.005% if redeemed in 4-5 Days, 0.0045% if redeemed in 5-6 Days. Exit load is a fee levied for ‘exiting’ the fund earlier than a stipulated period, usually 1 year.

What is the expense ratio of the fund?

The expense ratio is 0.07%. The Expense Ratio is a fee charged for managing the fund. This includes commissions, administrative costs etc.

What is the AUM of the fund?

The AUM of the fund is ₹1767 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

What are the top holdings of Bank of India Liquid Fund?

The top 3 holdings of the fund are Punjab National Bank(4.35%), Godrej Consumer Products Limited(4.35%), Tbill(4.35%)