Fund Overview
Fund Size
₹1,657 Cr
Expense Ratio
0.10%
ISIN
INF761K01785
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
01 Jan 2013
About this fund
As of 22-Dec-24, it has a Net Asset Value (NAV) of ₹2927.81, Assets Under Management (AUM) of 1656.77 Crores, and an expense ratio of 0.1%.
- Bank of India Liquid Direct Growth has given a CAGR return of 6.86% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 0.00% in debts, and 99.78% in cash & cash equivalents.
- You can start investing in Bank of India Liquid Direct Growth with a SIP of ₹1000 or a Lumpsum investment of ₹5000.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+7.48%
+6.26% (Cat Avg.)
3 Years
+6.49%
+5.70% (Cat Avg.)
5 Years
+5.39%
+4.58% (Cat Avg.)
10 Years
+6.40%
+5.21% (Cat Avg.)
Since Inception
+6.86%
— (Cat Avg.)
Portfolio Summaryas of 15th December 2024
| Others | ₹1,656.77 Cr | 100.00% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| ICICI Bank Limited | Cash - CD/Time Deposit | ₹99.11 Cr | 5.98% |
| 364 Days T - Bill- 06/02/2025 | Bond - Gov't/Treasury | ₹99.08 Cr | 5.98% |
| Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited) | Cash - CD/Time Deposit | ₹98.47 Cr | 5.94% |
| 91 Days Tbill Red 27-02-2025 | Bond - Gov't/Treasury | ₹74.04 Cr | 4.47% |
| Canara Bank | Cash - CD/Time Deposit | ₹73.91 Cr | 4.46% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹72.3 Cr | 4.36% |
| Kotak Securities Ltd. | Cash - Commercial Paper | ₹49.96 Cr | 3.02% |
| Aditya Birla Housing Finance Limited | Cash - Commercial Paper | ₹49.9 Cr | 3.01% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹49.9 Cr | 3.01% |
| Blue Star Limited | Cash - Commercial Paper | ₹49.9 Cr | 3.01% |
| Motilal Oswal Financial Services Limited | Cash - Commercial Paper | ₹49.88 Cr | 3.01% |
| State Bank Of India | Cash - CD/Time Deposit | ₹49.87 Cr | 3.01% |
| National Bank for Agriculture and Rural Development | Cash - CD/Time Deposit | ₹49.62 Cr | 3.00% |
| 364 Day T-Bill 30.01.25 | Bond - Gov't/Treasury | ₹49.6 Cr | 2.99% |
| Sundaram Finance Limited | Cash - Commercial Paper | ₹49.56 Cr | 2.99% |
| Larsen And Toubro Limited | Cash - Commercial Paper | ₹49.54 Cr | 2.99% |
| Reliance Industries Limited | Cash - Commercial Paper | ₹49.5 Cr | 2.99% |
| 364 DTB 13022025 | Bond - Gov't/Treasury | ₹49.48 Cr | 2.99% |
| Punjab National Bank Limited | Cash - CD/Time Deposit | ₹49.44 Cr | 2.98% |
| Reliance Retail Ventures Limited | Cash - Commercial Paper | ₹49.44 Cr | 2.98% |
| Poonawalla Fincorp Limited | Cash - Commercial Paper | ₹49.42 Cr | 2.98% |
| HDFC Securities Limited | Cash - Commercial Paper | ₹49.41 Cr | 2.98% |
| Bank Of Baroda | Cash - CD/Time Deposit | ₹49.23 Cr | 2.97% |
| Indian Bank | Cash - CD/Time Deposit | ₹49.22 Cr | 2.97% |
| Small Industries Development Bank Of India | Cash - Commercial Paper | ₹49.22 Cr | 2.97% |
| ICICI Securities Limited | Cash - Commercial Paper | ₹49.21 Cr | 2.97% |
| Kotak Mahindra Prime Limited | Cash - Commercial Paper | ₹39.59 Cr | 2.39% |
| LIC Housing Finance Ltd. | Cash - Commercial Paper | ₹31.58 Cr | 1.91% |
| 191 DTB 30012025 | Bond - Gov't/Treasury | ₹24.8 Cr | 1.50% |
| Punjab National Bank | Cash - CD/Time Deposit | ₹24.74 Cr | 1.49% |
| HDFC Securities Limited | Cash - Commercial Paper | ₹20.99 Cr | 1.27% |
| Corporate Debt Market Development Fund | Mutual Fund - Open End | ₹3.64 Cr | 0.22% |
| Repo | Cash - Repurchase Agreement | ₹2.84 Cr | 0.17% |
| Net Receivables / (Payables) | Cash - Collateral | ₹0.34 Cr | 0.02% |
| Treps | Cash - Repurchase Agreement | ₹0.01 Cr | 0.00% |
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Cash - Commercial Paper | ₹687.11 Cr | 41.47% |
| Cash - CD/Time Deposit | ₹665.82 Cr | 40.19% |
| Bond - Gov't/Treasury | ₹297.01 Cr | 17.93% |
| Mutual Fund - Open End | ₹3.64 Cr | 0.22% |
| Cash - Repurchase Agreement | ₹2.85 Cr | 0.17% |
| Cash - Collateral | ₹0.34 Cr | 0.02% |
| Bond - Gov't Agency Debt | ₹0 Cr | - |
Risk & Performance Ratios
Standard Deviation
This fund
0.39%
Cat. avg.
0.57%
Lower the better
Sharpe Ratio
This fund
1.94
Cat. avg.
-1.18
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
0.08
Higher the better
Fund Managers
Mithraem Bharucha
Since August 2021
Additional Scheme Detailsas of 15th December 2024
ISIN INF761K01785 | Expense Ratio 0.10% | Exit Load No Charges | Fund Size ₹1,657 Cr | Age 11 years 11 months | Lumpsum Minimum ₹5,000 | Fund Status Open Ended Investment Company | Benchmark CRISIL Liquid Debt TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
Dividend Taxation:
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Liquid Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Canara Robeco Liquid Fund Regular Growth Low to Moderate Risk | 0.2% | 0.0% | ₹3774.01 Cr | 7.4% |
| Navi Liquid Fund Regular Growth Low to Moderate Risk | 0.2% | 0.0% | ₹72.64 Cr | 6.9% |
| Motilal Oswal Liquid Fund Regular Growth Low to Moderate Risk | 0.4% | 0.0% | ₹866.07 Cr | 6.9% |
| Motilal Oswal Liquid Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹866.07 Cr | 7.1% |
| Kotak Nifty 1D Rate Liquid ETF Low Risk | 0.2% | - | ₹855.75 Cr | 5.8% |
| Invesco India Liquid Fund Regular Growth Low to Moderate Risk | 0.2% | 0.0% | ₹13222.55 Cr | 7.4% |
| TrustMF Liquid Fund Direct Growth Low to Moderate Risk | 0.1% | 0.0% | ₹279.56 Cr | 7.4% |
| 360 ONE Liquid Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹772.94 Cr | 7.3% |
| 360 ONE Liquid Fund Regular Growth Low to Moderate Risk | 0.3% | 0.0% | ₹772.94 Cr | 7.2% |
| TrustMF Liquid Fund Regular Growth Low to Moderate Risk | 0.3% | 0.0% | ₹279.56 Cr | 7.2% |
About the AMC
BOI Mutual Fund
Total AUM
₹10,301 Cr
Address
B/204, Tower 1, Peninsula Corporate Park, Mumbai, 400 013
Other Funds by BOI Mutual Fund
Risk Level
Your principal amount will be at Low to Moderate Risk
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- Mithraem Bharucha
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