Bank of India Liquid Fund · Regular · Growth
NAV
₹3273.2154
as of 15 Nov 2026
Expense Ratio
0.15%
AUM
₹1,895 Cr
Lumpsum returns (CAGR)
- 1Y
- +6.55%
- 3Y
- +6.89%
- 5Y
- +6.43%
- Since Inception
- +6.68%
SIP returns (XIRR)
- 1Y
- +6.59%
- 3Y
- +6.67%
- 5Y
- +6.74%
- Since Inception
- +6.55%
What history actually did — last 10 years (Nov 2016 – Nov 2026)
A ₹5,000 monthly SIP for the last 10 years (Nov 2016 – Nov 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,15,818 today — ₹6,00,000 invested, 6.1% XIRR.
₹6,00,000
Invested
₹8,15,818
Value today
6.1%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Nov 2016 – Nov 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,79,688 today (6.0% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Nov 2016 would still hold ₹9,81,061.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Nov 2016 – Nov 2026) (22 Mar 2020) would be ₹1,44,726 today (1.45×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualisedNot meaningful for very-low-volatility funds
Sharpe Ratio
—
Alpha
—
Beta
Not meaningful for very-low-volatility funds
Sortino
0.23%
Std Dev
-0.01%
Max Drawdown
Performance Comparison
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1National Bank For Agriculture And Rural Development (10/11/2026) ** #7.95%
- 2Small Industries Dev Bank Of India (10/11/2026) ** #5.30%
- 3Axis Bank Limited (16/12/2026) ** #5.27%
- 491 Days Tbill (Md 19/11/2026)3.97%
- 5364 Days Tbill (Md 26/11/2026)3.97%
- 6Canara Bank (30/11/2026) ** #3.96%
- 7Aditya Birla Housing Finance Limited (23/11/2026) **3.96%
- 8Indian Bank (15/12/2026) ** #3.95%
- 9Hdfc Bank Limited (19/11/2026) ** #3.70%
- 10364 Days Tbill (Md 03/12/2026)3.44%
What this fund does
Bank of India Liquid Fund · Regular · Growth invests in money market instruments and debt securities with maturity up to 91 days. Liquid funds offer high liquidity and are commonly used for parking surplus cash or as emergency fund vehicles.
About This Fund
Bank of India Liquid Fund · Regular · Growth is a Liquid mutual fund offered by Bank of India Mutual Fund. The fund has been operational for over 18 years. It manages assets worth ₹1,895 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY Liquid Index A-I. The current expense ratio is 0.15%.
Who Should Invest?
- •Investors looking to park surplus cash for very short periods