Sharpe ratio
1.25Return earned for the risk taken.
Good
Good risk-adjusted returns. The fund has delivered strong returns for its level of risk.
+6.55%1Y Absolute Return
+0.01%1D
Loading NAV history…
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 Money Market Fund - Direct - GrowthFund 1Y annualised return · 5Y history unavailable | ₹8,58,041 | ₹7,32,612 | ₹1,25,429 | +6.55% |
| 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 age1.8 yrs
Fund information
Scheme code153294
ISININF761K01GO5
BenchmarkCRISIL Money Market A-I Index
CategoryDebt Scheme - Money Market Fund
Expense ratio0.18%
Exit loadNil
Minimum SIP₹1,000 SIP
Return comparison
9th / 186 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.68% | — | — |
| 3M | +6.01% | — | — |
| 6M | +7.18% | — | — |
| 1Y | +6.55% | — | +2.65% |
| Since Launch | +7.10% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
4.02Return earned while limiting downside risk.
Excellent
Excellent downside risk-adjusted returns. The fund has managed downside risk very effectively.
Standard deviation
0.57%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
44.83How 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
Portfolio107%
Debt106.63%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 26 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CD 11JUN27 | Financial | Certificate of Deposit | 10.32% |
| HDFC BANK LIMITED CD 05MAR27 | Financial | Certificate of Deposit | 10.3% |
| CANARA BANK CD 08JAN27 | Financial | Certificate of Deposit | 6.94% |
| PUNJAB NATIONAL BANK CD 15DEC26 | Financial | Certificate of Deposit | 5.81% |
| GOVERNMENT OF INDIA 37116 364 DAYS TBILL 25FB27 FV RS 100 | Financial | Treasury Bills | 5.78% |
| AXIS BANK LIMITED CD 12FEB27 | Financial | Certificate of Deposit | 5.75% |
| KOTAK SECURITIES LTD 365D CP 12FEB27 | Financial | Commercial Paper | 5.73% |
| AXIS FINANCE LIMITED 365D CP 12FEB27 | Financial | Commercial Paper | 5.73% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT CD 05MAR27 | Financial | Certificate of Deposit | 5.72% |
| MANAPPURAM FINANCE LIMITED 236D CP 10FEB27 | Financial | Commercial Paper | 5.72% |
Fund management
MI
Mithraem Bharucha
Since 2025 · 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 - money market fund. NAV has been stable for its category — worst fall -0.16% with 0.6% volatility.
Strengths
- NAV has been stable for its category — worst fall -0.16% with 0.6% volatility.
- Ranks 9 of 186 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