Bank Of India Overnight Fund Datagrid
Category Overnight Fund
BMSMONEY Rank 7
Rating
Growth Option 27-01-2026
NAV ₹1352.0(R) +0.06% ₹1355.92(D) +0.06%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 5.79% 6.45% 5.5% -% -%
Direct 5.82% 6.48% 5.54% -% -%
Benchmark
SIP (XIRR) Regular 5.6% 6.22% 6.06% -% -%
Direct 5.63% 6.25% 6.09% -% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.75 0.63 0.63 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
0.33% 0.0% 0.0% - 0.31%
Fund AUM As on: 30/12/2025 80 Cr
Top Overnight Fund
Fund Name Rank Rating
Hsbc Overnight Fund 1
quant Overnight Fund 2
TRUSTMF Overnight Fund 3
Shriram Overnight Fund 4
Jm Overnight Fund 5
NJ Overnight Fund 6
Bank of India Overnight Fund 7

NAV Date: 27-01-2026

Scheme Name NAV Rupee Change Percent Change
BANK OF INDIA Overnight Fund Regular Plan- Daily IDCW 1000.0
0.0000
0.0000%
BANK OF INDIA Overnight Fund Regular Plan- Weekly IDCW 1000.0
-0.4300
-0.0400%
BANK OF INDIA Overnight Fund Direct Plan- Monthly IDCW 1000.0
-4.0200
-0.4000%
BANK OF INDIA Overnight Fund Regular Plan- Monthly IDCW 1000.0
-4.0300
-0.4000%
BANK OF INDIA Overnight Fund Direct Plan- Daily IDCW 1000.0
0.0000
0.0000%
BANK OF INDIA Overnight Fund Regular Plan Growth 1352.0
0.7800
0.0600%
BANK OF INDIA Overnight Fund Direct Plan Growth 1355.92
0.7800
0.0600%

Review Date: 27-01-2026

Beginning of Analysis

Bank of India Overnight Fund is the top ranked fund in the Overnight Fund category. The category has total 29 funds. The 5 star rating shows an excellent past performance of the Bank of India Overnight Fund in Overnight Fund. The fund has a Sharpe Ratio of 1.75 which is higher than the category average of 1.71.
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.
Overnight Mutual Funds are ideal for investors seeking a safe, liquid, and ultra-low-risk investment option for very short-term cash management. These funds invest in overnight securities with a maturity of 1 day, offering quick redemption (within 1 business day) and stable returns. While they provide minimal risk and high liquidity, they offer very low returns compared to other debt funds. Investors should consider their liquidity needs and investment horizon before investing in Overnight Funds. These funds are best suited for parking surplus funds for a very short duration, such as overnight or a few days.

Bank of India Overnight Fund Return Analysis

  • The fund has given a return of 0.42%, 1.35 and 2.75 in last one, three and six months respectively. In the same period the category average return was 0.42%, 1.33% and 2.68% respectively.
  • Bank of India Overnight Fund has given a return of 5.82% in last one year. In the same period the Overnight Fund category average return was 5.68%.
  • The fund has given a return of 6.48% in last three years and ranked 2.0nd out of 32 funds in the category. In the same period the Overnight Fund category average return was 6.37%.
  • The fund has given a return of 5.54% in last five years and ranked 1st out of 27 funds in the category. In the same period the Overnight Fund category average return was 5.44%.
  • The fund has given a SIP return of 5.63% in last one year whereas category average SIP return is 5.5%. The fund one year return rank in the category is 1st in 34 funds
  • The fund has SIP return of 6.25% in last three years and ranks 1st in 32 funds. The fund has given the highest SIP return in the category in last three years.
  • The fund has SIP return of 6.09% in last five years whereas category average SIP return is 5.98%.

Bank of India Overnight Fund Risk Analysis

  • The fund has a standard deviation of 0.33 and semi deviation of 0.31. The category average standard deviation is 0.3 and semi deviation is 0.27.

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 Overnight Fund Category
  • Good Performance in Overnight Fund Category
  • Poor Performance in Overnight Fund Category
  • Very Poor Performance in Overnight 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 % 0.42
    0.41
    		0.38 | 0.43 4 | 34 Very Good
    3M Return % 1.34
    1.31
    		1.22 | 1.36 3 | 34 Very Good
    6M Return % 2.73
    2.64
    		2.47 | 2.73 1 | 34 Very Good
    1Y Return % 5.79
    5.60
    		5.25 | 5.79 1 | 34 Very Good
    3Y Return % 6.45
    6.28
    		5.98 | 6.46 2 | 32 Very Good
    5Y Return % 5.50
    5.36
    		5.18 | 5.50 1 | 27 Very Good
    1Y SIP Return % 5.60
    5.43
    		5.07 | 5.60 1 | 34 Very Good
    3Y SIP Return % 6.22
    6.05
    		5.72 | 6.22 1 | 32 Very Good
    5Y SIP Return % 6.06
    5.90
    		5.69 | 6.06 1 | 27 Very Good
    Standard Deviation 0.33
    0.30
    		0.15 | 0.33 31 | 31 Poor
    Semi Deviation 0.31
    0.27
    		0.12 | 0.31 31 | 31 Poor
    Sharpe Ratio 1.75
    1.71
    		0.48 | 3.84 7 | 31 Very Good
    Sterling Ratio 0.63
    0.62
    		0.58 | 0.65 4 | 31 Very Good
    Sortino Ratio 0.63
    0.98
    		0.16 | 3.60 7 | 31 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 % 0.42 0.42 0.40 | 0.43 16 | 34 Good
    3M Return % 1.35 1.33 1.27 | 1.37 3 | 34 Very Good
    6M Return % 2.75 2.68 2.58 | 2.75 1 | 34 Very Good
    1Y Return % 5.82 5.68 5.45 | 5.82 1 | 34 Very Good
    3Y Return % 6.48 6.37 6.17 | 6.57 2 | 32 Very Good
    5Y Return % 5.54 5.44 5.29 | 5.54 1 | 27 Very Good
    1Y SIP Return % 5.63 5.50 5.28 | 5.63 1 | 34 Very Good
    3Y SIP Return % 6.25 6.13 5.94 | 6.25 1 | 32 Very Good
    5Y SIP Return % 6.09 5.98 5.80 | 6.09 1 | 27 Very Good
    Standard Deviation 0.33 0.30 0.15 | 0.33 31 | 31 Poor
    Semi Deviation 0.31 0.27 0.12 | 0.31 31 | 31 Poor
    Sharpe Ratio 1.75 1.71 0.48 | 3.84 7 | 31 Very Good
    Sterling Ratio 0.63 0.62 0.58 | 0.65 4 | 31 Very Good
    Sortino Ratio 0.63 0.98 0.16 | 3.60 7 | 31 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 Overnight Fund NAV Regular Growth Bank Of India Overnight Fund NAV Direct Growth
    27-01-2026 1351.9973 1355.9165
    23-01-2026 1351.221 1355.1345
    22-01-2026 1351.0266 1354.9387
    21-01-2026 1350.8297 1354.7403
    20-01-2026 1350.6365 1354.5456
    19-01-2026 1350.4434 1354.3511
    16-01-2026 1349.8877 1353.7912
    14-01-2026 1349.5121 1353.4128
    13-01-2026 1349.3099 1353.2091
    12-01-2026 1349.1145 1353.0122
    09-01-2026 1348.5162 1352.4095
    08-01-2026 1348.3132 1352.2051
    07-01-2026 1348.0976 1351.9848
    06-01-2026 1347.9044 1351.7902
    05-01-2026 1347.7165 1351.6008
    02-01-2026 1347.1521 1351.0321
    01-01-2026 1346.9642 1350.8428
    31-12-2025 1346.7758 1350.6527
    30-12-2025 1346.5748 1350.45
    29-12-2025 1346.3773 1350.2511

    Fund Launch Date: 27/Jan/2020
    Fund Category: Overnight Fund
    Investment Objective: The investment objective of the scheme is to generate income commensurate with low riskand high liquidity by investing in overnight securities having residual maturity of 1 businessday. However, there can be no assurance that the investment objectives of the Scheme willbe realized. The Scheme does not assure or guarantee any returns.
    Fund Description: An open ended debt scheme investing in overnight securities
    Fund Benchmark: CRISIL Overnight Index
    Source: Fund FactSheet

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