Fund Overview
Fund Size
₹2,013 Cr
Expense Ratio
0.13%
ISIN
INF761K01306
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
16 Jul 2008
About this fund
As of 05-Sep-24, it has a Net Asset Value (NAV) of ₹2840.33, Assets Under Management (AUM) of 2012.73 Crores, and an expense ratio of 0.13%.
- Bank of India Liquid Regular Growth has given a CAGR return of 6.68% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 2.59% in debts, and 97.22% in cash & cash equivalents.
- You can start investing in Bank of India Liquid Regular 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
+7.41%
+6.09% (Cat Avg.)
3 Years
+6.05%
+5.29% (Cat Avg.)
5 Years
+5.22%
+4.44% (Cat Avg.)
10 Years
+6.36%
+5.13% (Cat Avg.)
Since Inception
+6.68%
— (Cat Avg.)
Portfolio Summaryas of 15th August 2024
| Debt | ₹52.1 Cr | 2.59% |
| Others | ₹1,960.63 Cr | 97.41% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹98.84 Cr | 5.20% |
| Aditya Birla Housing Finance Limited | Cash - Commercial Paper | ₹74.59 Cr | 3.92% |
| Kotak Mahindra Bank Ltd. | Bond - Corporate Bond | ₹74.4 Cr | 3.91% |
| 91 DTB 18102024 | Bond - Gov't/Treasury | ₹74.16 Cr | 3.90% |
| Bank Of Baroda | Cash - CD/Time Deposit | ₹74.04 Cr | 3.90% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹73.43 Cr | 3.86% |
| Bank Of Baroda | Cash - CD/Time Deposit | ₹64.07 Cr | 3.37% |
| 91 DTB 07112024 | Bond - Gov't/Treasury | ₹53.19 Cr | 2.80% |
| Kotak Securities Limited | Cash - Commercial Paper | ₹49.87 Cr | 2.62% |
| Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited) | Cash - CD/Time Deposit | ₹49.8 Cr | 2.62% |
| Export-Import Bank Of India | Cash - Commercial Paper | ₹49.74 Cr | 2.62% |
| Canara Bank | Cash - CD/Time Deposit | ₹49.74 Cr | 2.62% |
| HDFC Securities Limited | Cash - Commercial Paper | ₹49.73 Cr | 2.62% |
| NTPC Ltd. | Cash - Commercial Paper | ₹49.66 Cr | 2.61% |
| India (Republic of) | Bond - Short-term Government Bills | ₹49.64 Cr | 2.61% |
| Reliance Industries Limited | Cash - Commercial Paper | ₹49.6 Cr | 2.61% |
| 91 DTB 10102024 | Bond - Gov't/Treasury | ₹49.51 Cr | 2.60% |
| Axis Securities Limited | Cash - Commercial Paper | ₹49.28 Cr | 2.59% |
| State Bank Of India | Cash - CD/Time Deposit | ₹49.27 Cr | 2.59% |
| Godrej Industries Limited | Cash - Commercial Paper | ₹49.27 Cr | 2.59% |
| 91 DTB 15112024 | Bond - Gov't/Treasury | ₹49.2 Cr | 2.59% |
| National Bank For Agriculture And Rural Development | Cash - Commercial Paper | ₹49.18 Cr | 2.59% |
| Punjab National Bank | Bond - Gov't Agency Debt | ₹49.16 Cr | 2.59% |
| Reliance Retail Ventures Limited | Cash - Commercial Paper | ₹49.14 Cr | 2.59% |
| Aditya Birla Finance Limited | Cash - Commercial Paper | ₹46.67 Cr | 2.46% |
| Indian Bank | Cash - CD/Time Deposit | ₹44.66 Cr | 2.35% |
| Reliance Retail Ventures Limited | Cash - Commercial Paper | ₹40.7 Cr | 2.14% |
| Bajaj Finance Limited | Cash - Commercial Paper | ₹37.8 Cr | 1.99% |
| Motilal Oswal Financial Services Limited | Cash - Commercial Paper | ₹24.96 Cr | 1.31% |
| 6.18% Govt Stock 2024 | Bond - Gov't/Treasury | ₹24.96 Cr | 1.31% |
| ICICI Securities Limited | Cash - Commercial Paper | ₹24.95 Cr | 1.31% |
| Bajaj Finance Limited | Cash - Commercial Paper | ₹24.95 Cr | 1.31% |
| HDFC Securities Limited | Cash - Commercial Paper | ₹24.9 Cr | 1.31% |
| PNb Housing Finance Limited | Cash - Commercial Paper | ₹24.88 Cr | 1.31% |
| Godrej Industries Limited | Cash - Commercial Paper | ₹24.86 Cr | 1.31% |
| Aditya Birla Finance Limited | Cash - Commercial Paper | ₹24.86 Cr | 1.31% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹24.85 Cr | 1.31% |
| 91 DTB 26092024 | Bond - Gov't/Treasury | ₹24.82 Cr | 1.31% |
| National Bank For Agriculture And Rural Development | Cash - Commercial Paper | ₹24.82 Cr | 1.31% |
| 182 DTB 24102024 | Bond - Gov't/Treasury | ₹24.69 Cr | 1.30% |
| 91 DTB 31102024 | Bond - Gov't/Treasury | ₹24.66 Cr | 1.30% |
| Repo | Cash - Repurchase Agreement | ₹23.5 Cr | 1.24% |
| Corporate Debt Market Development Fund | Mutual Fund - Open End | ₹3.59 Cr | 0.19% |
| Net Receivables / (Payables) | Cash - Collateral | ₹1.33 Cr | 0.07% |
| Treps | Cash - Repurchase Agreement | ₹0.7 Cr | 0.04% |
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Cash - Commercial Paper | ₹844.42 Cr | 44.43% |
| Cash - CD/Time Deposit | ₹528.7 Cr | 27.82% |
| Bond - Gov't/Treasury | ₹325.18 Cr | 17.11% |
| Bond - Corporate Bond | ₹74.4 Cr | 3.91% |
| Bond - Short-term Government Bills | ₹49.64 Cr | 2.61% |
| Bond - Gov't Agency Debt | ₹49.16 Cr | 2.59% |
| Cash - Repurchase Agreement | ₹24.2 Cr | 1.27% |
| Mutual Fund - Open End | ₹3.59 Cr | 0.19% |
| Cash - Collateral | ₹1.33 Cr | 0.07% |
Risk & Performance Ratios
Standard Deviation
This fund
0.45%
Cat. avg.
0.56%
Lower the better
Sharpe Ratio
This fund
0.97
Cat. avg.
-1.42
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
-0.50
Higher the better
Fund Managers
Mithraem Bharucha
Since August 2021
Additional Scheme Detailsas of 15th August 2024
ISIN | INF761K01306 | Expense Ratio | 0.13% | Exit Load | No Charges | Fund Size | ₹2,013 Cr | Age | 16 Jul 2008 | 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:
- For investments made on or after 1 April 2023: The entire capital gain is added to the investor's income and is taxed based on the applicable income tax slab.
- For investments made before 1 April 2023:
- If sold within 2 years of investment: The capital gains are added to the investor's income and taxed according to the applicable tax slab.
- If sold after 2 years of investment: The capital gains are taxed at a flat rate of 12.5%.
- Holding the units: No tax is applicable as long as you hold the units.
Dividend Taxation:
Dividends are considered part of the investor’s income and are taxed according to their applicable tax slab. Additionally, if an investor’s dividend income exceeds INR 5,000 in a financial year, a 10% Tax Deducted at Source (TDS) is withheld by the fund house before distributing the dividend.
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% | ₹3763.16 Cr | 7.3% |
| Navi Liquid Fund Regular Growth Low to Moderate Risk | 0.2% | 0.0% | ₹82.09 Cr | 6.9% |
| Motilal Oswal Liquid Fund Regular Growth Low to Moderate Risk | 0.4% | 0.0% | ₹752.34 Cr | 6.9% |
| Motilal Oswal Liquid Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹752.34 Cr | 7.1% |
| Kotak Nifty 1D Rate Liquid ETF Low Risk | 0.2% | - | ₹50.88 Cr | 6.0% |
| Invesco India Liquid Fund Regular Growth Low to Moderate Risk | 0.2% | 0.0% | ₹11274.94 Cr | 7.3% |
| TrustMF Liquid Fund Direct Growth Low to Moderate Risk | 0.1% | 0.0% | ₹235.85 Cr | 7.4% |
| 360 ONE Liquid Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹1071.55 Cr | 7.2% |
| 360 ONE Liquid Fund Regular Growth Low to Moderate Risk | 0.3% | 0.0% | ₹1071.55 Cr | 7.2% |
| TrustMF Liquid Fund Regular Growth Low to Moderate Risk | 0.3% | 0.0% | ₹235.85 Cr | 7.2% |
About the AMC
Total AUM
₹10,118 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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