Bank Of India Liquid Fund Datagrid
Category Liquid Fund
BMSMONEY Rank 1
Rating
Growth Option 30-04-2026
NAV ₹3161.35(R) +0.01% ₹3193.78(D) +0.01%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 6.26% 7.0% 6.07% 5.64% 6.08%
Direct 6.3% 7.03% 6.12% 5.7% 6.15%
Benchmark
SIP (XIRR) Regular 6.37% 6.79% 6.65% 6.14% 6.02%
Direct 6.41% 6.83% 6.7% 6.19% 6.08%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
5.73 10.54 0.69 1.17% -6.77
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
0.19% 0.0% 0.0% 0.07 0.15%
Fund AUM As on: 30/12/2025 1455 Cr
Top Liquid Fund
Fund Name Rank Rating
Bank of India Liquid Fund 1
Axis Liquid Fund 2
Dsp Liquidity Fund 3
Union Liquid Fund 4
UTI Liquid Fund 5
Mahindra Manulife Liquid Fund 6
Canara Robeco Liquid Fund 7

NAV Date: 30-04-2026

Scheme Name NAV Rupee Change Percent Change
BANK OF INDIA Liquid Fund- Regular Plan- Daily IDCW 1005.0
0.0000
0.0000%
BANK OF INDIA Liquid Fund- Direct Plan- Daily IDCW 1005.0
0.0000
0.0000%
BANK OF INDIA Liquid Fund- Regular Plan- Weekly IDCW 1005.33
0.0900
0.0100%
BANK OF INDIA Liquid Fund- Direct Plan- Weekly IDCW 1005.34
0.0900
0.0100%
BANK OF INDIA Liquid Fund- Regular Plan- Growth 3161.35
0.2800
0.0100%
BANK OF INDIA Liquid Fund- Direct Plan- Growth 3193.78
0.2800
0.0100%

Review Date: 30-04-2026

Beginning of Analysis

In the Liquid Fund category, Bank of India Liquid Fund is the top ranked fund. The category has total 33 funds. The Bank of India Liquid Fund has shown an excellent past performence in Liquid Fund. The fund has a Jensen Alpha of 1.17% which is higher than the category average of 0.99%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 5.73 which is higher than the category average of 4.75.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Liquid Mutual Funds are a category of debt mutual funds that invest in short-term money market instruments with a maturity of up to 91 days. These funds are designed to provide high liquidity and stability, making them ideal for parking surplus funds for a very short duration. Liquid Funds typically invest in instruments such as Treasury Bills (T-Bills), Commercial Papers (CPs), Certificates of Deposit (CDs), and short-term government securities.. Liquid Mutual Funds are ideal for investors seeking a safe, liquid, and low-risk investment option for short-term cash management. These funds invest in high-quality, short-term money market instruments with a maturity of up to 91 days, offering quick redemption (within 1 business day) and stable returns. While they provide better returns than savings accounts, they may underperform compared to other debt funds with longer maturities. Investors should consider their liquidity needs, risk tolerance, and investment horizon before investing in Liquid Funds. Additionally, the absence of a lock-in period makes them a flexible choice for managing short-term financial goals.

Bank of India Liquid Fund Return Analysis

  • The fund has given a return of 0.66%, 1.69 and 3.17 in last one, three and six months respectively. In the same period the category average return was 0.67%, 1.68% and 3.14% respectively.
  • Bank of India Liquid Fund has given a return of 6.3% in last one year. In the same period the Liquid Fund category average return was 6.24%.
  • The fund has given a return of 7.03% in last three years and ranked 11.0th out of thirty five funds in the category. In the same period the Liquid Fund category average return was 6.95%.
  • The fund has given a return of 6.12% in last five years and ranked 8th out of thirty five funds in the category. In the same period the Liquid Fund category average return was 6.04%.
  • The fund has given a return of 6.15% in last ten years and ranked 12th out of twenty eight funds in the category. In the same period the category average return was 6.09%.
  • The fund has given a SIP return of 6.41% in last one year whereas category average SIP return is 6.35%. The fund one year return rank in the category is 17th in 35 funds
  • The fund has SIP return of 6.83% in last three years and ranks 14th in 33 funds. Aditya Birla Sun Life Liquid Fund has given the highest SIP return (6.89%) in the category in last three years.
  • The fund has SIP return of 6.7% in last five years whereas category average SIP return is 6.63%.

Bank of India Liquid Fund Risk Analysis

  • The fund has a standard deviation of 0.19 and semi deviation of 0.15. The category average standard deviation is 0.19 and semi deviation is 0.15.
  • The fund has a beta of 0.06 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Liquid Fund Category
  • Good Performance in Liquid Fund Category
  • Poor Performance in Liquid Fund Category
  • Very Poor Performance in Liquid Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.65
    0.65
    		0.52 | 0.69 28 | 37 Average
    3M Return % 1.68
    1.65
    		1.42 | 1.71 14 | 37 Good
    6M Return % 3.15
    3.07
    		2.78 | 3.17 3 | 37 Very Good
    1Y Return % 6.26
    6.10
    		5.53 | 6.26 1 | 37 Very Good
    3Y Return % 7.00
    6.82
    		6.25 | 7.00 1 | 35 Very Good
    5Y Return % 6.07
    5.91
    		5.32 | 6.07 1 | 35 Very Good
    7Y Return % 5.64
    5.51
    		4.99 | 5.74 6 | 34 Very Good
    10Y Return % 6.08
    5.98
    		5.43 | 6.16 6 | 27 Very Good
    15Y Return % 6.91
    7.00
    		6.45 | 7.31 19 | 21 Poor
    1Y SIP Return % 6.37
    6.21
    		5.62 | 6.39 3 | 34 Very Good
    3Y SIP Return % 6.79
    6.62
    		6.06 | 6.79 1 | 32 Very Good
    5Y SIP Return % 6.65
    6.48
    		5.91 | 6.65 1 | 32 Very Good
    7Y SIP Return % 6.14
    5.90
    		5.26 | 6.14 1 | 31 Very Good
    10Y SIP Return % 6.02
    5.69
    		4.95 | 6.04 2 | 24 Very Good
    15Y SIP Return % 6.21
    6.13
    		5.36 | 6.42 10 | 20 Good
    Standard Deviation 0.19
    0.19
    		0.17 | 0.20 8 | 34 Very Good
    Semi Deviation 0.15
    0.15
    		0.13 | 0.16 18 | 34 Good
    Sharpe Ratio 5.73
    4.75
    		1.93 | 5.73 1 | 34 Very Good
    Sterling Ratio 0.69
    0.68
    		0.62 | 0.69 1 | 34 Very Good
    Sortino Ratio 10.54
    6.82
    		1.14 | 10.54 1 | 34 Very Good
    Jensen Alpha % 1.17
    0.99
    		0.42 | 1.17 1 | 34 Very Good
    Treynor Ratio -6.77
    -6.74
    		-9.23 | -6.00 24 | 34 Average
    Modigliani Square Measure % 10.47
    9.73
    		7.64 | 10.47 1 | 34 Very Good
    Alpha % -0.66
    -0.82
    		-1.42 | -0.66 1 | 34 Very Good
    Return data last Updated On : April 30, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.66 0.67 0.54 | 0.70 32 | 38 Poor
    3M Return % 1.69 1.68 1.43 | 1.73 25 | 38 Average
    6M Return % 3.17 3.14 2.85 | 3.22 16 | 38 Good
    1Y Return % 6.30 6.24 5.80 | 6.36 15 | 37 Good
    3Y Return % 7.03 6.95 6.56 | 7.07 11 | 35 Good
    5Y Return % 6.12 6.04 5.73 | 6.15 8 | 35 Very Good
    7Y Return % 5.70 5.64 5.25 | 6.04 18 | 34 Good
    10Y Return % 6.15 6.09 5.67 | 6.41 12 | 28 Good
    1Y SIP Return % 6.41 6.35 5.78 | 6.50 17 | 35 Good
    3Y SIP Return % 6.83 6.77 6.31 | 6.89 14 | 33 Good
    5Y SIP Return % 6.70 6.63 6.29 | 6.74 10 | 33 Good
    7Y SIP Return % 6.19 6.04 5.43 | 6.24 12 | 32 Good
    10Y SIP Return % 6.08 5.82 5.26 | 6.12 4 | 26 Very Good
    Standard Deviation 0.19 0.19 0.17 | 0.20 8 | 34 Very Good
    Semi Deviation 0.15 0.15 0.13 | 0.16 18 | 34 Good
    Sharpe Ratio 5.73 4.75 1.93 | 5.73 1 | 34 Very Good
    Sterling Ratio 0.69 0.68 0.62 | 0.69 1 | 34 Very Good
    Sortino Ratio 10.54 6.82 1.14 | 10.54 1 | 34 Very Good
    Jensen Alpha % 1.17 0.99 0.42 | 1.17 1 | 34 Very Good
    Treynor Ratio -6.77 -6.74 -9.23 | -6.00 24 | 34 Average
    Modigliani Square Measure % 10.47 9.73 7.64 | 10.47 1 | 34 Very Good
    Alpha % -0.66 -0.82 -1.42 | -0.66 1 | 34 Very Good
    Return data last Updated On : April 30, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 30, 2026
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Bank Of India Liquid Fund NAV Regular Growth Bank Of India Liquid Fund NAV Direct Growth
    30-04-2026 3161.3525 3193.7814
    29-04-2026 3161.0764 3193.4972
    28-04-2026 3160.6628 3193.0741
    27-04-2026 3160.3123 3192.7148
    24-04-2026 3159.2694 3191.6456
    23-04-2026 3158.8946 3191.2618
    22-04-2026 3158.5753 3190.934
    21-04-2026 3158.3015 3190.6522
    20-04-2026 3157.9656 3190.3076
    17-04-2026 3156.427 3188.7376
    16-04-2026 3156.108 3188.4101
    15-04-2026 3155.4812 3187.7718
    13-04-2026 3154.1267 3186.393
    10-04-2026 3152.2701 3184.5059
    09-04-2026 3151.42 3183.644
    08-04-2026 3150.2419 3182.4508
    07-04-2026 3149.1326 3181.327
    06-04-2026 3148.4168 3180.6008
    02-04-2026 3145.9182 3178.0646
    01-04-2026 3142.157 3174.2618
    30-03-2026 3140.8709 3172.9568

    Fund Launch Date: 09/Jul/2008
    Fund Category: Liquid Fund
    Investment Objective: The Scheme seeks to deliver reasonable market related returns with lower risk and higherliquidity through portfolio of debt and money market instruments. The Scheme is notproviding any assured or guaranteed returns. There is no assurance that the investmentobjective of the scheme will be achieved.
    Fund Description: An Open Ended Liquid Scheme
    Fund Benchmark: CRISIL Liquid Fund Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.