Bank Of India Liquid Fund Datagrid
Category Liquid Fund
BMSMONEY Rank 2
Rating
Growth Option 27-01-2026
NAV ₹3107.74(R) +0.07% ₹3139.31(D) +0.07%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 6.44% 6.99% 5.88% 5.65% 6.13%
Direct 6.48% 7.03% 5.93% 5.71% 6.2%
Benchmark
SIP (XIRR) Regular 6.1% 6.8% 6.55% 6.05% 5.98%
Direct 6.15% 6.84% 6.59% 6.1% 6.04%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
2.94 1.18 0.68 6.13% 0.21
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
0.37% 0.0% 0.0% 0.06 0.33%
Fund AUM As on: 30/12/2025 1455 Cr
Top Liquid Fund
Fund Name Rank Rating
HSBC Liquid Fund 1
Bank of India Liquid Fund 2
Axis Liquid Fund 3
Canara Robeco Liquid Fund 4
Union Liquid Fund 5
Aditya Birla Sun Life Liquid Fund 6
Dsp Liquidity Fund 7

NAV Date: 27-01-2026

Scheme Name NAV Rupee Change Percent Change
BANK OF INDIA Liquid Fund- Regular Plan- Weekly IDCW 1005.0
-0.0900
-0.0100%
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- Direct Plan- Weekly IDCW 1005.0
-0.5600
-0.0600%
BANK OF INDIA Liquid Fund- Regular Plan- Growth 3107.74
2.1700
0.0700%
BANK OF INDIA Liquid Fund- Direct Plan- Growth 3139.31
2.2100
0.0700%

Review Date: 27-01-2026

Beginning of Analysis

Bank of India Liquid Fund is the top ranked fund in the Liquid Fund category. 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 6.13% which is higher than the category average of 5.97%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 2.94 which is lower than the category average of 3.35.
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 0.45%, 1.46 and 2.9 in last one, three and six months respectively. In the same period the category average return was 0.44%, 1.44% and 2.88% respectively.
  • Bank of India Liquid Fund has given a return of 6.48% in last one year. In the same period the Liquid Fund category average return was 6.41%.
  • The fund has given a return of 7.03% in last three years and ranked 9.0th out of 34 funds in the category. In the same period the Liquid Fund category average return was 6.96%.
  • The fund has given a return of 5.93% in last five years and ranked 9th out of 33 funds in the category. In the same period the Liquid Fund category average return was 5.86%.
  • The fund has given a return of 6.2% in last ten years and ranked 10th out of 26 funds in the category. In the same period the category average return was 6.15%.
  • The fund has given a SIP return of 6.15% in last one year whereas category average SIP return is 6.08%. The fund one year return rank in the category is 10th in 35 funds
  • The fund has SIP return of 6.84% in last three years and ranks 11th in 34 funds. Aditya Birla Sun Life Liquid Fund has given the highest SIP return (6.88%) in the category in last three years.
  • The fund has SIP return of 6.59% in last five years whereas category average SIP return is 6.52%.

Bank of India Liquid Fund Risk Analysis

  • The fund has a standard deviation of 0.37 and semi deviation of 0.33. The category average standard deviation is 0.32 and semi deviation is 0.28.
  • 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 % 0.45
    0.43
    		0.40 | 0.45 1 | 35 Very Good
    3M Return % 1.45
    1.40
    		1.27 | 1.45 1 | 35 Very Good
    6M Return % 2.89
    2.81
    		2.55 | 2.89 1 | 35 Very Good
    1Y Return % 6.44
    6.28
    		5.76 | 6.44 1 | 35 Very Good
    3Y Return % 6.99
    6.82
    		6.25 | 6.99 1 | 34 Very Good
    5Y Return % 5.88
    5.73
    		5.14 | 5.88 1 | 33 Very Good
    7Y Return % 5.65
    5.54
    		5.01 | 5.79 8 | 32 Very Good
    10Y Return % 6.13
    6.04
    		5.48 | 6.23 6 | 25 Very Good
    15Y Return % 6.92
    7.03
    		6.48 | 7.39 19 | 21 Poor
    1Y SIP Return % 6.10
    5.94
    		5.42 | 6.10 1 | 35 Very Good
    3Y SIP Return % 6.80
    6.63
    		6.09 | 6.80 1 | 34 Very Good
    5Y SIP Return % 6.55
    6.38
    		5.81 | 6.55 1 | 33 Very Good
    7Y SIP Return % 6.05
    5.78
    		5.16 | 6.05 1 | 32 Very Good
    10Y SIP Return % 5.98
    5.83
    		5.31 | 6.00 2 | 25 Very Good
    15Y SIP Return % 6.42
    6.37
    		5.80 | 6.53 10 | 21 Good
    Standard Deviation 0.37
    0.32
    		0.16 | 0.37 23 | 33 Average
    Semi Deviation 0.33
    0.28
    		0.12 | 0.33 33 | 33 Poor
    Sharpe Ratio 2.94
    3.35
    		1.16 | 6.23 9 | 33 Very Good
    Sterling Ratio 0.68
    0.67
    		0.61 | 0.69 4 | 33 Very Good
    Sortino Ratio 1.18
    3.66
    		0.42 | 18.52 9 | 33 Very Good
    Jensen Alpha % 6.13
    5.97
    		5.40 | 6.13 1 | 33 Very Good
    Treynor Ratio 0.21
    0.19
    		0.10 | 0.25 4 | 33 Very Good
    Modigliani Square Measure % 25.93
    25.16
    		23.47 | 31.67 5 | 33 Very Good
    Alpha % -0.65
    -0.80
    		-1.40 | -0.65 1 | 33 Very Good
    Return data last Updated On : Jan. 27, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.45 0.44 0.42 | 0.45 8 | 35 Very Good
    3M Return % 1.46 1.44 1.37 | 1.46 6 | 35 Very Good
    6M Return % 2.90 2.88 2.74 | 2.93 10 | 35 Good
    1Y Return % 6.48 6.41 6.02 | 6.54 13 | 35 Good
    3Y Return % 7.03 6.96 6.63 | 7.08 9 | 34 Very Good
    5Y Return % 5.93 5.86 5.55 | 6.04 9 | 33 Very Good
    7Y Return % 5.71 5.68 5.23 | 6.09 18 | 32 Average
    10Y Return % 6.20 6.15 5.71 | 6.47 10 | 26 Good
    1Y SIP Return % 6.15 6.08 5.76 | 6.20 10 | 35 Good
    3Y SIP Return % 6.84 6.77 6.42 | 6.88 11 | 34 Good
    5Y SIP Return % 6.59 6.52 6.20 | 6.63 7 | 33 Very Good
    7Y SIP Return % 6.10 5.91 5.32 | 6.15 10 | 32 Good
    10Y SIP Return % 6.04 5.95 5.56 | 6.11 11 | 26 Good
    Standard Deviation 0.37 0.32 0.16 | 0.37 23 | 33 Average
    Semi Deviation 0.33 0.28 0.12 | 0.33 33 | 33 Poor
    Sharpe Ratio 2.94 3.35 1.16 | 6.23 9 | 33 Very Good
    Sterling Ratio 0.68 0.67 0.61 | 0.69 4 | 33 Very Good
    Sortino Ratio 1.18 3.66 0.42 | 18.52 9 | 33 Very Good
    Jensen Alpha % 6.13 5.97 5.40 | 6.13 1 | 33 Very Good
    Treynor Ratio 0.21 0.19 0.10 | 0.25 4 | 33 Very Good
    Modigliani Square Measure % 25.93 25.16 23.47 | 31.67 5 | 33 Very Good
    Alpha % -0.65 -0.80 -1.40 | -0.65 1 | 33 Very Good
    Return data last Updated On : Jan. 27, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    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
    27-01-2026 3107.7383 3139.3128
    23-01-2026 3105.5648 3137.1055
    22-01-2026 3105.1415 3136.675
    21-01-2026 3104.4848 3136.0088
    20-01-2026 3104.0976 3135.6145
    19-01-2026 3103.8459 3135.3573
    16-01-2026 3102.65 3134.1399
    14-01-2026 3101.7313 3133.2061
    13-01-2026 3101.2549 3132.7219
    12-01-2026 3100.8888 3132.3491
    09-01-2026 3099.4322 3130.869
    08-01-2026 3099.0908 3130.5213
    07-01-2026 3098.8346 3130.2596
    06-01-2026 3098.6161 3130.0359
    05-01-2026 3098.0873 3129.4989
    02-01-2026 3096.5652 3127.9526
    01-01-2026 3096.2069 3127.5877
    31-12-2025 3095.6441 3127.0163
    30-12-2025 3093.9642 3125.3165
    29-12-2025 3093.8984 3125.2472

    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.