Bank of India Money Market Fund Direct Growth

Fund Overview

Fund Size

₹369 Cr

Expense Ratio

0.11%

ISIN

INF761K01GO5

Minimum SIP

₹1,000

Exit Load

No Charges

Inception Date

04 Feb 2025

About this fund

Bank of India Money Market Fund Direct Growth is a Money Market mutual fund schemes offered by BOI Mutual Fund. This fund has been in existence for 11 months and 26 days, having been launched on 04-Feb-25.
As of 29-Jan-26, it has a Net Asset Value (NAV) of ₹10.71, Assets Under Management (AUM) of 368.88 Crores, and an expense ratio of 0.11%.

Bank of India Money Market Fund Direct Growth has given a CAGR return of 7.10% since inception.
The fund's asset allocation comprises around 0.00% in equities, 11.89% in debts, and 88.03% in cash & cash equivalents.
You can start investing in Bank of India Money Market Fund 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.

Since Inception

+7.10%

— (Cat Avg.)

Portfolio Summaryas of 15th January 2026

Debt	₹43.85 Cr	11.89%
Others	₹325.02 Cr	88.11%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
Union Bank Of India	Cash - CD/Time Deposit	₹29.12 Cr	8.58%
Indian Bank	Bond - Gov't Agency Debt	₹24.74 Cr	7.29%
HDFC Bank Limited	Cash - CD/Time Deposit	₹24.07 Cr	7.09%
Punjab National Bank	Cash - CD/Time Deposit	₹23.52 Cr	6.93%
Axis Bank Limited	Cash - CD/Time Deposit	₹21.16 Cr	6.23%
Power Finance Corporation Limited	Cash - Commercial Paper	₹19.67 Cr	5.80%
Motilal Oswal Financial Services Limited	Cash - Commercial Paper	₹19.42 Cr	5.72%
Kotak Mahindra Bank Ltd	Cash - Commercial Paper	₹17.3 Cr	5.10%
Repo	Cash - Repurchase Agreement	₹15.18 Cr	4.47%
Export-Import Bank Of India	Cash - CD/Time Deposit	₹14.84 Cr	4.37%
Manappuram Finance Limited	Cash - Commercial Paper	₹14.24 Cr	4.20%
Bank of Baroda	Bond - Corporate Bond	₹13.67 Cr	4.03%
Small Industries Development Bank Of India	Cash - CD/Time Deposit	₹11.76 Cr	3.46%
HDFC Bank Ltd	Cash - CD/Time Deposit	₹11.27 Cr	3.32%
Axis Finance Limited	Cash - Commercial Paper	₹9.96 Cr	2.94%
T-Bill	Bond - Gov't/Treasury	₹9.81 Cr	2.89%
Canara Bank	Cash - CD/Time Deposit	₹9.75 Cr	2.87%
Au Small Finance Bank Limited (18/09/2026) ** #	Cash - CD/Time Deposit	₹9.53 Cr	2.81%
Bank Of Baroda	Cash - CD/Time Deposit	₹9.41 Cr	2.77%
Small Industries Development Bank of India	Bond - Corporate Bond	₹9.39 Cr	2.77%
Icici Securities Limited (Earlier Icici Brokerage Services Limited)	Cash - Commercial Paper	₹8.9 Cr	2.62%
India (Republic of)	Bond - Short-term Government Bills	₹4.82 Cr	1.42%
Treps	Cash - Repurchase Agreement	₹4.44 Cr	1.31%
India (Republic of)	Bond - Short-term Government Bills	₹2.37 Cr	0.70%
Net Receivables / (Payables)	Cash	₹0.48 Cr	0.14%
Treasury Bills	Bond - Gov't/Treasury	₹0.29 Cr	0.09%
Corporate Debt Market Development Fund #	Mutual Fund - Open End	₹0.28 Cr	0.08%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Instruments	Amount	Holdings
Cash - CD/Time Deposit	₹164.43 Cr	48.45%
Cash - Commercial Paper	₹89.5 Cr	26.37%
Bond - Gov't Agency Debt	₹24.74 Cr	7.29%
Bond - Corporate Bond	₹23.06 Cr	6.79%
Cash - Repurchase Agreement	₹19.62 Cr	5.78%
Bond - Gov't/Treasury	₹10.1 Cr	2.98%
Bond - Short-term Government Bills	₹7.19 Cr	2.12%
Cash	₹0.48 Cr	0.14%
Mutual Fund - Open End	₹0.28 Cr	0.08%

Risk & Performance Ratios

Fund Managers

Mithraem Bharucha

Since February 2025

Additional Scheme Detailsas of 15th January 2026

ISIN

INF761K01GO5

Expense Ratio

0.11%

Exit Load

No Charges

Fund Size

₹369 Cr

Age

11 months

Lumpsum Minimum

₹5,000

Fund Status

Open Ended Investment Company

Benchmark

CRISIL Money Market A-I 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.

Similar Money Market Funds

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Shriram Money Market Fund Direct Growth Low to Moderate Risk	-	0.0%	-	-
Shriram Money Market Fund Regular Growth Low to Moderate Risk	-	0.0%	-	-
Groww Money Market Fund Regular Growth Low to Moderate Risk	0.7%	0.0%	₹20.48 Cr	-
Groww Money Market Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹20.48 Cr	-
JioBlackRock Money Market Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹3355.30 Cr	-
Bank of India Money Market Fund Regular Growth Low to Moderate Risk	0.6%	0.0%	₹368.88 Cr	-
Bank of India Money Market Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹368.88 Cr	-
Zerodha Nifty 1D Rate Liquid ETF Low Risk	0.3%	-	₹7597.92 Cr	5.4%
Mirae Asset Money Market Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹3024.56 Cr	7.2%
Mirae Asset Money Market Fund Regular Growth Low to Moderate Risk	0.4%	0.0%	₹3024.56 Cr	6.9%
HSBC Money Market Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹4894.59 Cr	7.2%
ICICI Prudential Money Market Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹31850.85 Cr	7.3%
Bandhan Money Manager Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹12313.03 Cr	7.4%
Nippon India Money Market Fund Direct Growth Moderate Risk	0.2%	0.0%	₹20189.58 Cr	7.3%
Invesco India Money Market Fund Direct Growth Moderate Risk	0.2%	0.0%	₹5214.99 Cr	7.2%
Edelweiss Money Market Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹2299.55 Cr	7.3%
Kotak Money Market Scheme Direct Growth Low to Moderate Risk	0.2%	0.0%	₹32187.70 Cr	7.2%
Axis Money Market Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹20781.21 Cr	7.3%
Axis Money Market Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	₹20781.21 Cr	7.1%
Sundaram Money Market Fund Regular Growth Moderate Risk	0.3%	0.0%	₹1835.43 Cr	7.1%
Sundaram Money Market Fund Direct Growth Moderate Risk	0.2%	0.0%	₹1835.43 Cr	7.2%
Invesco India Money Market Fund Regular Growth Moderate Risk	0.4%	0.0%	₹5214.99 Cr	6.9%
UTI Money Market Fund Direct Growth Moderate Risk	0.1%	0.0%	₹19300.55 Cr	7.3%
Aditya BSL Money Manager Fund Direct Growth Moderate Risk	0.2%	0.0%	₹27448.70 Cr	7.1%
SBI Savings Fund Direct Growth Moderate Risk	0.3%	0.0%	₹33641.56 Cr	7.3%
Tata Money Market Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹35599.90 Cr	7.3%
Franklin India Money Market Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹3830.50 Cr	7.3%
Baroda BNP Paribas Money Market Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹4729.78 Cr	7.2%
Baroda BNP Paribas Money Market Fund Regular Growth Low to Moderate Risk	0.4%	0.0%	₹4729.78 Cr	7.0%
DSP Savings Fund Direct Growth Moderate Risk	0.1%	0.0%	₹8335.96 Cr	6.9%
HDFC Money Market Fund Direct Growth Moderate Risk	0.2%	0.0%	₹31789.66 Cr	7.3%
PGIM India Money Market Fund Regular Growth Low to Moderate Risk	0.5%	0.0%	₹206.70 Cr	6.8%
PGIM India Money Market Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹206.70 Cr	7.1%
UTI Money Market Fund Regular Growth Moderate Risk	0.2%	0.0%	₹19300.55 Cr	7.2%
Bajaj Finserv Money Market Fund Regular Growth Low to Moderate Risk	0.8%	0.0%	₹4196.35 Cr	6.6%
Bajaj Finserv Money Market Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹4196.35 Cr	7.3%
Kotak Money Market Scheme Regular Growth Low to Moderate Risk	0.3%	0.0%	₹32187.70 Cr	7.1%
Aditya BSL Money Manager Fund Regular Growth Moderate Risk	0.4%	0.0%	₹27448.70 Cr	7.0%
Bandhan Money Manager Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	₹12313.03 Cr	7.1%
DSP Savings Fund Regular Growth Moderate Risk	0.4%	0.0%	₹8335.96 Cr	6.7%
HSBC Money Market Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	₹4894.59 Cr	7.0%
SBI Savings Fund Regular Growth Moderate Risk	0.7%	0.0%	₹33641.56 Cr	6.8%
ICICI Prudential Money Market Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	₹31850.85 Cr	7.2%
Nippon India Money Market Fund Regular Growth Moderate Risk	0.4%	0.0%	₹20189.58 Cr	7.1%
HDFC Money Market Fund Regular Growth Moderate Risk	0.4%	0.0%	₹31789.66 Cr	7.1%
Franklin India Money Market Fund Regular Growth Low to Moderate Risk	0.3%	0.0%	₹3830.50 Cr	7.2%
Tata Money Market Fund Regular Growth Low to Moderate Risk	0.4%	0.0%	₹35599.90 Cr	7.1%
LIC MF Money Market Fund Regular Growth Moderate Risk	0.4%	0.0%	₹4006.23 Cr	6.6%
LIC MF Money Market Fund Direct Growth Moderate Risk	0.2%	0.0%	₹4006.23 Cr	6.9%
TRUSTMF Money Market Fund Regular Growth Low to Moderate Risk	0.5%	0.0%	₹118.90 Cr	6.7%

About the AMC

BOI Mutual Fund

+91 22 40479000

https://www.boimf.in/

Total AUM

₹13,878 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 Banking and Financial Services Fund Direct Growth Very High Risk	-	1.0%	-	-
Bank of India Mid Cap Fund Direct Growth Very High Risk	1.1%	1.0%	₹683.84 Cr	-
Bank of India Money Market Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹368.88 Cr	-
Bank of India Consumption Fund Direct Growth Very High Risk	1.1%	1.0%	₹415.19 Cr	7.3%
Bank of India Business Cycle Fund Direct Growth Very High Risk	1.0%	1.0%	₹503.00 Cr	-0.8%
Bank of India Multi Asset Allocation Fund Direct Growth Very High Risk	0.9%	1.0%	₹344.16 Cr	19.6%
Bank of India Midcap Tax Fund Series 1 Direct Growth Very High Risk	-	0.0%	₹62.46 Cr	6.5%
Bank of India Midcap Tax Fund Series 2 Direct Growth Very High Risk	-	0.0%	₹32.49 Cr	6.8%
Bank of India Mid & Small Cap Equity & Debt Direct Growth Very High Risk	0.7%	1.0%	₹1349.38 Cr	8.9%
Bank of India Conservative Hybrid Fund Direct Growth Moderate Risk	1.2%	1.0%	₹65.30 Cr	5.2%
Bank of India Balanced Advantage Fund Direct Growth Very High Risk	1.0%	1.0%	₹146.37 Cr	11.8%
Bank of India Multi Cap Fund Direct Growth Very High Risk	0.8%	1.0%	₹1013.29 Cr	13.1%
Bank of India Bluechip Fund Direct Growth Very High Risk	0.7%	1.0%	₹209.59 Cr	14.9%
Bank of India Flexi Cap Fund Direct Growth Very High Risk	0.5%	1.0%	₹2243.99 Cr	9.6%
Bank of India Large & Mid Cap Equity Fund Direct Growth Very High Risk	0.8%	1.0%	₹456.41 Cr	12.8%
Bank of India Liquid Direct Growth Low to Moderate Risk	0.1%	0.0%	₹1107.10 Cr	6.5%
Bank of India S/T Income Direct Growth Low to Moderate Risk	0.5%	0.0%	₹290.76 Cr	6.9%
Bank of India Manufacturing and Infrastructure fund Direct Growth Very High Risk	0.6%	1.0%	₹673.53 Cr	16.0%
Bank of India Tax Advantage Fund Direct Growth Very High Risk	0.8%	0.0%	₹1401.86 Cr	7.2%
Bank of India Ultra Short Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹158.66 Cr	6.7%
Bank of India Credit Risk Fund Direct Growth Moderately High risk	1.0%	4.0%	₹106.96 Cr	11.9%
Bank of India Small Cap Fund Direct Growth Very High Risk	0.5%	1.0%	₹1938.92 Cr	-0.7%
Bank of India Overnight Fund Direct Growth Low Risk	0.1%	0.0%	₹81.41 Cr	5.8%
Bank of India Arbitrage Fund Direct Growth Low Risk	0.4%	0.0%	₹42.86 Cr	6.3%

Risk Level

Your principal amount will be at Low to Moderate Risk

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What is the current NAV of Bank of India Money Market Fund Direct Growth?

The NAV of Bank of India Money Market Fund Direct Growth, as of 29-Jan-2026, is ₹10.71.

What is the portfolio composition of Bank of India Money Market Fund Direct Growth?

The fund's allocation of assets is distributed as 0.00% in equities, 11.89% in bonds, and 88.03% in cash and cash equivalents.

Who manages the Bank of India Money Market Fund Direct Growth?

The fund managers responsible for Bank of India Money Market Fund 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 Money Market Fund Direct Growth

Fund Overview