Sharpe ratio
-5.09Return earned for the risk taken.
Negative
Negative means the fund has not rewarded investors well for the risk taken recently.
+6.60%1Y Absolute Return
+0.04%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| BANK OF INDIA Liquid Fund- Direct Plan- GrowthFund 5Y annualised return | ₹8,56,769 | ₹7,32,612 | ₹1,24,157 | +6.49% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age13.9 yrs
Fund information
Scheme code119369
ISININF761K01785
BenchmarkCRISIL Liquid Debt A-I Index
CategoryDebt Scheme - Liquid Fund
Expense ratio0.09%
Exit loadExit load of 0.0070% if redeemed within 1 day, 0.0065% if redeemed within 2 days, 0.0060% if redeemed within 3 days, 0.0055% if redeemed within 4 days, 0.0050% if redeemed within 5 days, 0.0045% if redeemed within 6 days.
Minimum SIP₹1,000 SIP
Return comparison
14th / 360 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +7.00% | — | — |
| 3M | +6.42% | — | — |
| 6M | +6.72% | — | — |
| 1Y | +6.60% | — | -3.10% |
| 3Y | +6.94% | — | -0.91% |
| 5Y | +6.49% | — | -1.97% |
| 10Y | +6.11% | — | — |
| Since Launch | +6.83% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
-20.07Return earned while limiting downside risk.
Negative
Negative means downside losses have outweighed the returns.
Standard deviation
0.25%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
42.63How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio119%
Debt118.61%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 34 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 37456 091 DAYS TBILL 28AG26 FV RS 100 | Financial | Treasury Bills | 7.41% |
| 91 Days Tbill (MD 17/09/2026) | Financial | Treasury Bills | 7.38% |
| AXIS BANK LIMITED CD 10SEP26 | Financial | Certificate of Deposit | 7.38% |
| BANK OF BARODA CD 24AUG26 | Financial | Certificate of Deposit | 5.55% |
| KOTAK MAHINDRA BANK LIMITED CD 31AUG26 | Financial | Certificate of Deposit | 5.54% |
| GOVERNMENT OF INDIA 37087 182 DAYS TBILL 21AG26 FV RS 100 | Financial | Treasury Bills | 3.71% |
| HDFC SECURITIES LIMITED 91D CP 11AUG26 | Financial | Commercial Paper | 3.71% |
| BAJAJ FINANCIAL SECURITIES LIMITED 91D CP 18AUG26 | Financial | Commercial Paper | 3.7% |
| Canara Bank** | Financial | Certificate of Deposit | 3.7% |
| KOTAK SECURITIES LTD 91D CP 20AUG26 | Financial | Commercial Paper | 3.7% |
Fund management
MI
Mithraem Bharucha
Since 2021 · Prior to joining Bank of India Mutual Fund, he has worked with YES Asset Management (India) Limited and BNP Paribas Asset Management India Pvt. Ltd.
Mr. Bharucha is a BMS and MBA
Compare similar funds
No comparable category funds are available yet.
Summary
A low to moderate-risk debt scheme - liquid fund. NAV has been stable for its category — worst fall -0.16% with 0.2% volatility.
Strengths
- NAV has been stable for its category — worst fall -0.16% with 0.2% volatility.
- Same fund manager for 5+ years — the strategy has not chopped and changed.
- Ranks 14 of 360 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Suited for a few days to 3 months and emergency or idle cash.
Risk drivers
- None