Bank of India Liquid Direct Growth

Fund Overview

Fund Size

₹1,728 Cr

Expense Ratio

0.07%

ISIN

INF761K01785

Minimum SIP

₹1,000

Exit Load

No Charges

Inception Date

01 Jan 2013

About this fund

Bank of India Liquid Direct Growth is a Liquid mutual fund schemes offered by BOI Mutual Fund. This fund has been in existence for 13 years, 7 months and 28 days, having been launched on 01-Jan-13.
As of 30-Aug-26, it has a Net Asset Value (NAV) of ₹3264.35, Assets Under Management (AUM) of 1728.49 Crores, and an expense ratio of 0.07%.

Bank of India Liquid Direct Growth has given a CAGR return of 6.84% since inception.
The fund's asset allocation comprises around 0.00% in equities, 0.00% in debts, and 99.67% in cash & cash equivalents.
You can start investing in Bank of India Liquid Direct 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

+6.47%

+5.77% (Cat Avg.)

3 Years

+6.98%

+6.35% (Cat Avg.)

5 Years

+6.35%

+5.78% (Cat Avg.)

10 Years

+6.12%

+5.17% (Cat Avg.)

Since Inception

+6.84%

— (Cat Avg.)

Portfolio Summaryas of 31st July 2026

Others

₹1,728.49 Cr

100.00%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
India (Republic of)	Bond - Short-term Government Bills	₹103.1 Cr	5.96%
India (Republic of)	Bond - Short-term Government Bills	₹99.33 Cr	5.75%
Kotak Mahindra Bank Ltd.	Bond - Corporate Bond	₹74.61 Cr	4.32%
India (Republic of)	Bond - Short-term Government Bills	₹53.85 Cr	3.12%
India (Republic of)	Bond - Short-term Government Bills	₹53.03 Cr	3.07%
Bajaj Financial Securities Limited	Cash - Commercial Paper	₹49.85 Cr	2.88%
Kotak Securities Ltd	Cash - Commercial Paper	₹49.83 Cr	2.88%
ICICI Bank Ltd.	Bond - Corporate Bond	₹49.74 Cr	2.88%
Godrej Agrovet Ltd.	Cash - Commercial Paper	₹49.73 Cr	2.88%
Icici Securities Limited (Earlier Icici Brokerage Services Limited)	Cash - Commercial Paper	₹49.69 Cr	2.87%
Indian Bank	Bond - Gov't Agency Debt	₹49.68 Cr	2.87%
Export-Import Bank Of India	Cash - Commercial Paper	₹49.66 Cr	2.87%
Bank Of Baroda	Cash - CD/Time Deposit	₹49.66 Cr	2.87%
Small Industries Development Bank of India	Cash - Commercial Paper	₹49.64 Cr	2.87%
National Bank for Agriculture and Rural Development	Cash - Commercial Paper	₹49.64 Cr	2.87%
Poonawalla Fincorp Limited	Cash - Commercial Paper	₹49.64 Cr	2.87%
Bank of Baroda	Bond - Corporate Bond	₹49.6 Cr	2.87%
REC Ltd.	Cash - Commercial Paper	₹49.55 Cr	2.87%
Kotak Mahindra Bank Ltd.	Bond - Corporate Bond	₹49.53 Cr	2.87%
Union Bank of India	Bond - Corporate Bond	₹49.53 Cr	2.87%
ICICI Home Finance Company Limited	Cash - Commercial Paper	₹49.53 Cr	2.87%
HDFC Securities Limited	Cash - Commercial Paper	₹49.51 Cr	2.86%
HDFC Bank Ltd.	Bond - Corporate Bond	₹49.3 Cr	2.85%
HDFC Bank Ltd.	Bond - Corporate Bond	₹49.27 Cr	2.85%
Union Bank of India	Bond - Corporate Bond	₹44.28 Cr	2.56%
Indian Bank	Bond - Gov't Agency Debt	₹39.67 Cr	2.30%
Manappuram Finance Limited	Bond - Corporate Bond	₹25.02 Cr	1.45%
HDFC Securities Limited	Cash - Commercial Paper	₹24.96 Cr	1.44%
Tbill	Bond - Gov't/Treasury	₹24.88 Cr	1.44%
National Bank For Agriculture And Rural Development	Cash - Commercial Paper	₹24.85 Cr	1.44%
Union Bank Of India	Cash - CD/Time Deposit	₹24.81 Cr	1.44%
Export-Import Bank of India	Cash - Commercial Paper	₹24.8 Cr	1.44%
Motilal Oswal Financial Services Ltd	Cash - Commercial Paper	₹24.8 Cr	1.44%
Motilal Oswal Financial Services Ltd	Cash - Commercial Paper	₹24.79 Cr	1.43%
HDFC Bank Ltd.	Bond - Corporate Bond	₹24.78 Cr	1.43%
NTPC Ltd.	Cash - Commercial Paper	₹24.77 Cr	1.43%
Indian Bank	Bond - Gov't Agency Debt	₹24.72 Cr	1.43%
Repo	Cash - Repurchase Agreement	₹21.79 Cr	1.26%
Punjab National Bank Red	Cash - CD/Time Deposit	₹14.88 Cr	0.86%
Corporate Debt Market Development Fund #	Mutual Fund - Unspecified	₹5.62 Cr	0.33%
Net Receivables / (Payables)	Cash - Collateral	₹2.54 Cr	0.15%
Treps	Cash - Repurchase Agreement	₹0.03 Cr	0.00%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Instruments	Amount	Holdings
Cash - Commercial Paper	₹695.23 Cr	40.22%
Bond - Corporate Bond	₹465.66 Cr	26.94%
Bond - Short-term Government Bills	₹309.31 Cr	17.89%
Bond - Gov't Agency Debt	₹114.08 Cr	6.60%
Cash - CD/Time Deposit	₹89.35 Cr	5.17%
Bond - Gov't/Treasury	₹24.88 Cr	1.44%
Cash - Repurchase Agreement	₹21.82 Cr	1.26%
Mutual Fund - Unspecified	₹5.62 Cr	0.33%
Cash - Collateral	₹2.54 Cr	0.15%

Risk & Performance Ratios

Fund Managers

Mithraem Bharucha

Since August 2021

Additional Scheme Detailsas of 31st July 2026

ISIN

INF761K01785

Expense Ratio

0.07%

Exit Load

No Charges

Fund Size

₹1,728 Cr

Age

13 years 7 months

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:

Dividend Taxation:

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.

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JioBlackRock Liquid Fund Regular Growth Low to Moderate Risk	-	0.0%	₹10937.16 Cr	-
UTI Liquid Fund Direct Growth Moderate Risk	0.2%	0.0%	₹26727.50 Cr	6.5%
UTI Liquid Fund Regular Growth Moderate Risk	0.3%	0.0%	₹26727.50 Cr	6.4%
The Wealth Company Liquid Fund Regular Growth Low to Moderate Risk	0.2%	0.0%	₹670.53 Cr	-
Abakkus Liquid Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	₹483.25 Cr	-
Abakkus Liquid Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹483.25 Cr	-
Capitalmind Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹100.34 Cr	-
Capitalmind Liquid Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	₹100.34 Cr	-
The Wealth Company Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹670.53 Cr	-
JioBlackRock Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹10937.16 Cr	6.5%
Unifi Liquid Fund Regular Growth Low to Moderate Risk	0.1%	0.0%	₹48.87 Cr	5.9%
Unifi Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹48.87 Cr	6.0%
ICICI Prudential BSE Liquid Rate ETF - Growth Low Risk	0.3%	-	₹1034.55 Cr	5.0%
Shriram Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹204.93 Cr	6.3%
Shriram Liquid Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	₹204.93 Cr	6.1%
DSP S&P BSE Liquid Rate ETF Low Risk	0.3%	-	₹1561.45 Cr	5.0%
HDFC Nifty 1D Rate Liquid ETF Low Risk	0.5%	-	₹29.44 Cr	5.3%
Kotak Quarterly Interval Series 12 Direct Growth Low to Moderate Risk	-	0.0%	-	-
Kotak Quarterly Interval Series 12 Regular Growth Low to Moderate Risk	-	0.0%	-	-
Kotak Quarterly Interval Series 13 Regular Growth Low to Moderate Risk	-	0.0%	-	-
Kotak Quarterly Interval Series 13 Direct Growth Low to Moderate Risk	-	0.0%	-	-
Mirae Asset Cash Management Direct Growth Low to Moderate Risk	0.1%	0.0%	₹13190.24 Cr	6.4%
LIC MF Liquid Plan Direct Growth Low to Moderate Risk	0.1%	0.0%	₹16809.20 Cr	6.5%
ICICI Prudential Liquid Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹61557.98 Cr	6.4%
ITI Liquid Fund Regular Growth Low to Moderate Risk	0.2%	0.0%	₹47.95 Cr	6.0%
ITI Liquid Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹47.95 Cr	6.2%
Navi Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹76.37 Cr	5.8%
Sundaram Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹10633.07 Cr	6.5%
Bandhan Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹19030.95 Cr	6.5%
Groww Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹322.70 Cr	6.5%
Nippon India Liquid Fund Direct Growth Moderate Risk	0.2%	0.0%	₹41345.63 Cr	6.5%
Union Liquid Regular Growth Low to Moderate Risk	0.1%	0.0%	₹7564.22 Cr	6.4%
JM Liquid Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹2849.26 Cr	6.4%
Edelweiss Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹13795.87 Cr	6.5%
Invesco India Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹20723.49 Cr	6.5%
Kotak Liquid Fund Direct Growth Moderate Risk	0.2%	0.0%	₹51309.35 Cr	6.5%
WhiteOak Capital Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹672.30 Cr	6.4%
WhiteOak Capital Liquid Fund Regular Growth Low to Moderate Risk	0.2%	0.0%	₹672.30 Cr	6.3%
Mahindra Manulife Liquid Fund Regular Growth Moderate Risk	0.3%	0.0%	₹1279.86 Cr	6.4%
Mahindra Manulife Liquid Fund Direct Growth Moderate Risk	0.1%	0.0%	₹1279.86 Cr	6.5%
Quantum Liquid Fund Regular Growth Low Risk	0.3%	0.0%	₹536.70 Cr	5.8%
Mirae Asset Cash Management Regular Growth Low to Moderate Risk	0.2%	0.0%	₹13190.24 Cr	6.3%
Axis Liquid Fund Regular Growth Low to Moderate Risk	0.2%	0.0%	₹56437.80 Cr	6.4%
Bajaj Finserv Liquid Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	₹8322.27 Cr	6.3%
Bajaj Finserv Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹8322.27 Cr	6.5%
SBI Liquid Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	₹84054.59 Cr	6.3%
UTI Liquid Fund Cash Plan Direct Growth Moderate Risk	0.2%	0.0%	₹33248.42 Cr	6.4%
Axis Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹56437.80 Cr	6.5%
Baroda BNP Paribas Liquid Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹12206.26 Cr	6.4%
Aditya BSL Liquid Fund Direct Growth Moderate Risk	0.2%	0.0%	₹68800.00 Cr	6.5%

About the AMC

BOI Mutual Fund

+91 22 40479000

https://www.boimf.in/

Total AUM

₹15,654 Cr

Address

B/204, Tower 1, Peninsula Corporate Park, Mumbai, 400 013

Other Funds by BOI Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Bank of India Value Fund Direct Growth Very High Risk	-	1.0%	-	-
Bank of India Banking and Financial Services Fund Direct Growth Very High Risk	1.1%	1.0%	₹273.76 Cr	-
Bank of India Mid Cap Fund Direct Growth Very High Risk	1.0%	1.0%	₹732.64 Cr	9.0%
Bank of India Money Market Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹471.77 Cr	6.6%
Bank of India Consumption Fund Direct Growth Very High Risk	1.1%	1.0%	₹373.19 Cr	5.0%
Bank of India Business Cycle Fund Direct Growth Very High Risk	1.0%	1.0%	₹461.14 Cr	11.2%
Bank of India Multi Asset Allocation Fund Direct Growth Very High Risk	0.8%	1.0%	₹365.56 Cr	16.8%
Bank of India Midcap Tax Fund Series 1 Direct Growth Very High Risk	-	0.0%	₹65.11 Cr	14.8%
Bank of India Midcap Tax Fund Series 2 Direct Growth Very High Risk	-	0.0%	₹32.46 Cr	11.2%
Bank of India Mid & Small Cap Equity & Debt Direct Growth Very High Risk	0.6%	1.0%	₹1840.69 Cr	17.3%
Bank of India Conservative Hybrid Fund Direct Growth Moderately High risk	0.9%	1.0%	₹64.05 Cr	5.0%
Bank of India Balanced Advantage Fund Direct Growth Very High Risk	1.1%	1.0%	₹177.62 Cr	8.9%
Bank of India Multi Cap Fund Direct Growth Very High Risk	0.7%	1.0%	₹1258.70 Cr	17.4%
Bank of India Bluechip Fund Direct Growth Very High Risk	0.9%	1.0%	₹223.11 Cr	11.0%
Bank of India Flexi Cap Fund Direct Growth Very High Risk	0.5%	1.0%	₹2786.40 Cr	18.0%
Bank of India Large & Mid Cap Equity Fund Direct Growth Very High Risk	0.9%	1.0%	₹513.52 Cr	11.7%
Bank of India Liquid Direct Growth Low to Moderate Risk	0.1%	0.0%	₹1728.49 Cr	6.5%
Bank of India S/T Income Direct Growth Low to Moderate Risk	0.5%	0.0%	₹272.24 Cr	5.6%
Bank of India Manufacturing and Infrastructure fund Direct Growth Very High Risk	0.6%	1.0%	₹893.08 Cr	23.7%
Bank of India Tax Advantage Fund Direct Growth Very High Risk	0.8%	0.0%	₹1395.32 Cr	9.0%
Bank of India Ultra Short Duration Fund Direct Growth Low to Moderate Risk	0.4%	0.0%	₹167.74 Cr	6.4%
Bank of India Credit Risk Fund Direct Growth Moderate Risk	0.5%	1.0%	₹92.49 Cr	17.7%
Bank of India Small Cap Fund Direct Growth Very High Risk	0.4%	1.0%	₹2819.49 Cr	31.7%
Bank of India Overnight Fund Direct Growth Low Risk	0.1%	0.0%	₹62.62 Cr	5.5%
Bank of India Arbitrage Fund Direct Growth Low Risk	0.4%	0.0%	₹135.81 Cr	6.1%

Risk Level

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What is the current NAV of Bank of India Liquid Direct Growth?

The NAV of Bank of India Liquid Direct Growth, as of 30-Aug-2026, is ₹3264.35.

What are the returns of Bank of India Liquid Direct Growth?

The fund has generated 6.47% over the last 1 year and 6.98% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.

What is the portfolio composition of Bank of India Liquid Direct Growth?

The fund's allocation of assets is distributed as 0.00% in equities, 0.00% in bonds, and 99.67% in cash and cash equivalents.

Who manages the Bank of India Liquid Direct Growth?

The fund managers responsible for Bank of India Liquid Direct Growth are:-

Mithraem Bharucha

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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Bank of India Liquid Direct Growth

Fund Overview