Debt · Liquid

Bank of India Liquid Fund

Bank of India Investment Managers Private Limited

Benchmark

CRISIL Liquid Debt A-I Index

Riskometer

Low to Moderate

Size

₹2,611 cr

Allotted

1 Jan 2013

Holdings as of

30 Sep 2026

Bank of India Liquid Fund is a liquid fund of Bank of India Investment Managers Private Limited with ₹2,611 cr under management. It is ahead of its benchmark (CRISIL Liquid Debt A-I Index) in 4 of 4 periods. Its direct plan charges 0.09% a year. Mithraem Bharucha has managed it for 5.2 years.

Debt and hybrid funds: the company-level sections (scorecard, companies inside, how it is run, nearest index) are not shown. Mix, returns, costs and managers only.

What is Bank of India Liquid Fund invested in?

118% in debt, 0% in shares and -18% in cash, as of 30 Sep 2026.

Equity0.0%Debt118.3%Cash-18.3%Other0.0%

Holdings as of 30 Sep 2026

Has Bank of India Liquid Fund beaten its benchmark?

Ahead of its benchmark, CRISIL Liquid Debt A-I Index, in 4 of 4 periods in AMFI's figures; +6.54% over the last year against +6.24%.

Period returns

Direct Plan, growth · 3y and longer a year

Period	Fund	Nifty 500 TRI	Ahead
1 month	0.00%	−3.60%	—
3 months	0.00%	−5.03%	—
6 months	0.00%	−1.83%	—
1 year	0.00%	−4.06%	+4.06 pts
3 years	0.00%	+9.27%	−9.27 pts
5 years	—	+8.00%	—
10 years	—	+12.69%	—
Since start from 4 Oct 2017	0.00%	—	—

Valarth price history to 30 Nov 2021 · the index is the one the fund is nearest; — not on record

Official figures

AMFI performance feed, 13 Oct 2026

Ahead of its benchmark (CRISIL Liquid Debt A-I Index) in 4 of 4 periods.

Period	Direct	Regular	Benchmark	Ahead	Rank
1y	+6.54%	+6.50%	+6.24%	+0.30	🔒
3y	+6.96%	+6.92%	+6.75%	+0.21	🔒
5y	+6.43%	+6.38%	+6.31%	+0.12	🔒
10y	+6.11%	+6.04%	+6.00%	+0.11	🔒

Ahead in points a year · its rank among Liquid funds, and how steady the lead is, in the app

Value of 100, month-end

Oct 2017 to 30 Nov 2021

Fund 100Nifty 500 TRI 168

₹100 put in at the start of Oct 2017 would be ₹100 on 30 Nov 2021, against ₹168 in the Nifty 500 TRI.

Risk, falls and every year

🔒 Pro

Its worst fall and how long it took to recover, three-year stretches, Sharpe, beta and capture ratios, calendar years beside the index, and money in and out: in the app.

See them in the app →

What does Bank of India Liquid Fund cost?

0.09% a year on the direct plan, 0.15% on the regular plan; 5 of 43 funds in its category charge less.

Direct plan

0.09% a year

Category median 0.13%

Regular plan

0.15% a year

Category median 0.25%

Gap

0.06 points

for the same holdings

5 of 43 funds in its category charge less on the direct plan.

Expense report, Oct 2026 · Debt Scheme - Liquid Fund

What the regular plan costs you over time

🔒 Pro

The same money left for years in the direct and the regular plan, side by side, and what the commission takes: in the app.

Who manages Bank of India Liquid Fund?

Mithraem Bharucha, since 17 Aug 2021.

Mithraem Bharucha

5.2 years

since 17 Aug 2021

Benchmark as filedCRISIL Liquid Debt A-I Index

Exit load

1 day-0.0070% 2 days-0.0065% 3 days-0.0060% 4 days-0.0055% 5 days-0.0050% 6 days-0.0045% 7 days or more-Nil

From 19 Scheme Summary Documents filed with NSE, first on 17 Apr 2026; as on 6 Oct 2026

Questions people ask

Who manages Bank of India Liquid Fund?

Mithraem Bharucha (manager) since 17 Aug 2021.

What is the expense ratio of Bank of India Liquid Fund?

0.09% a year on the direct plan and 0.15% on the regular plan (expense report, Oct 2026).

How has Bank of India Liquid Fund done?

Its direct plan returned +6.96% a year over 3 years against +6.75% for its benchmark, CRISIL Liquid Debt A-I Index, as of 13 Oct 2026.