{"id":232255,"date":"2026-09-04T17:05:35","date_gmt":"2026-09-04T11:35:35","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/bank-of-india-liquid-fund-direct-growth-review-2026\/"},"modified":"2026-09-04T17:05:35","modified_gmt":"2026-09-04T11:35:35","slug":"bank-of-india-liquid-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/bank-of-india-liquid-fund-direct-growth-review-2026\/","title":{"rendered":"Bank of India Liquid Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/bank-of-india-liquid-fund-g-direct-plan\">Bank of India Liquid Fund Direct Growth Plan<\/a> has a NAV of \u20b93268.5022 as of 03 Sep 2026 and a scheme AUM of \u20b91,728 Cr. Its 1-year, 3-year and 5-year returns are 6.54%, 6.99% and 6.37%, and the risk category is Balanced Risk. Our view is that this is a steady liquid fund rather than a high-variation return story, with outcomes that have stayed close to the benchmark over longer periods.<\/p>\n<p>For investors who want liquid-category exposure with modest return consistency and a portfolio built around short-dated money-market and credit instruments, the fund can fit a short-horizon parking role. The current pattern suggests measured compounding rather than aggressive upside.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-liquid-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-liquid-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-liquid-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Bank_of_India_Liquid\" title=\"Should you BUY or HOLD Bank of India Liquid?\">Should you BUY or HOLD Bank of India Liquid?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-liquid-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-liquid-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-liquid-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-liquid-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-liquid-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-liquid-fund-direct-growth-review-2026\/#What_is_the_current_NAV_of_Bank_of_India_Liquid_Fund_Direct_Growth_Plan\" title=\"What is the current NAV of Bank of India Liquid Fund Direct Growth Plan?\">What is the current NAV of Bank of India Liquid Fund Direct Growth Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-liquid-fund-direct-growth-review-2026\/#What_are_the_funds_1-year_3-year_and_5-year_returns\" title=\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\">What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-liquid-fund-direct-growth-review-2026\/#How_does_the_fund_compare_with_its_benchmark\" title=\"How does the fund compare with its benchmark?\">How does the fund compare with its benchmark?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-liquid-fund-direct-growth-review-2026\/#How_does_the_fund_compare_with_peer_liquid_funds_on_returns\" title=\"How does the fund compare with peer liquid funds on returns?\">How does the fund compare with peer liquid funds on returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-liquid-fund-direct-growth-review-2026\/#Does_the_fund_allow_SIP_investments\" title=\"Does the fund allow SIP investments?\">Does the fund allow SIP investments?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-liquid-fund-direct-growth-review-2026\/#Who_manages_the_fund_and_what_is_the_exit_load\" title=\"Who manages the fund and what is the exit load?\">Who manages the fund and what is the exit load?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-liquid-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-liquid-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-liquid-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b93,268.5022 as of 03 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b91,728 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.1%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>01 Jan 2013<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Balanced Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Liquid<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>0.007% for Day 1, 0.0065% on Day 2, 0.0060% on Day 3, 0.0055% on Day 4, 0.0050% on Day 5, 0.0045% on Day 6, NIL on or after 7D<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Mithraem Bharucha<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Mithraem Bharucha.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 03 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>0.58%<\/td>\n<td>-3.01%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>1.76%<\/td>\n<td>1.95%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>6.54%<\/td>\n<td>-4.4%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>6.99%<\/td>\n<td>5.74%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>6.37%<\/td>\n<td>6.27%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Recent numbers show a fairly steady pattern. The 1-month return is positive while the benchmark is negative, and the 3-month return is only slightly below the benchmark. That tells us the fund has stayed relatively stable through a short, choppy stretch rather than showing sharp swings.<\/p>\n<p>The 1-year return is clearly ahead of the benchmark, which reflects stronger recent compounding than the index comparison shown here. Over 3 years, the fund also stays ahead, and the edge remains visible over 5 years, although the gap is small. That points to a fund that has kept pace with, and at times slightly surpassed, the benchmark over longer holding periods.<\/p>\n<p>The time pattern is important. The fund\u2019s longer-run trend is smoother than the benchmark\u2019s more uneven one, especially over the 1-year window where the benchmark spent time below zero in the comparison series. For a liquid fund, that kind of steadiness matters more than dramatic jumps, because the role of the scheme is usually capital preservation with reasonable income-like growth.<\/p>\n<p>Our interpretation is that the current phase does not look like a breakout story; it looks like a controlled, low-volatility return path. Investors comparing the recent 1-month and 3-month numbers with the 3-year and 5-year figures will see consistency rather than a sudden change in behaviour.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 03 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_Bank_of_India_Liquid\"><\/span>Should you BUY or HOLD Bank of India Liquid?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding Bank of India Liquid? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/bank-of-india-liquid-fund-g-direct-plan\">Bank of India Liquid Fund Direct Growth Plan<\/a><\/td>\n<td>6.54%<\/td>\n<td>6.99%<\/td>\n<td>6.37%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/axis-liquid-fund-g-direct-plan\">Axis Liquid Fund Direct Growth Plan<\/a><\/td>\n<td>6.61%<\/td>\n<td>7.03%<\/td>\n<td>6.38%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/sundaram-liquid-fund-g-direct-plan\">Sundaram Liquid Fund Direct Growth Plan<\/a><\/td>\n<td>6.61%<\/td>\n<td>7.03%<\/td>\n<td>6.37%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-liquid-fund-g-direct-plan\">Aditya Birla SL Liquid Fund Direct Growth Plan<\/a><\/td>\n<td>6.6%<\/td>\n<td>7.03%<\/td>\n<td>6.39%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/jioblackrock-liquid-fund-g-direct-plan\">JioBlackRock Liquid Fund Direct Growth Plan<\/a><\/td>\n<td>6.6%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/edelweiss-liquid-fund-g-direct-plan\">Edelweiss Liquid Fund Direct Growth Plan<\/a><\/td>\n<td>6.58%<\/td>\n<td>7.03%<\/td>\n<td>6.37%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639. On 1-year return, the fund sits just below the stronger peer readings in this set, where several peers cluster between 6.58% and 6.61%. That makes the recent gap modest rather than wide.<\/p>\n<p>The longer horizon picture is also close. The fund\u2019s 3-year return trails the better peer figures by a small margin, while the 5-year return is in line with the middle of the peer group. So the short-term comparison is slightly softer than the longer-term one, but neither period suggests a large performance separation.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 03 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>91 Days Tbill (MD 28\/08\/2026)<\/td>\n<td>Treasury Bills<\/td>\n<td>5.96%<\/td>\n<\/tr>\n<tr>\n<td>91 Days Tbill (MD 17\/09\/2026)<\/td>\n<td>Treasury Bills<\/td>\n<td>5.75%<\/td>\n<\/tr>\n<tr>\n<td>Kotak Mahindra Bank Limited (31\/08\/2026) #<\/td>\n<td>Certificate of Deposit<\/td>\n<td>4.32%<\/td>\n<\/tr>\n<tr>\n<td>182 Days Tbill (MD 21\/08\/2026)<\/td>\n<td>Treasury Bills<\/td>\n<td>3.12%<\/td>\n<\/tr>\n<tr>\n<td>91 Days Tbill (MD 01\/10\/2026)<\/td>\n<td>Treasury Bills<\/td>\n<td>3.07%<\/td>\n<\/tr>\n<tr>\n<td>Bajaj Financial Securities Limited (18\/08\/2026) **<\/td>\n<td>Commercial Paper<\/td>\n<td>2.88%<\/td>\n<\/tr>\n<tr>\n<td>Godrej Agrovet Limited (31\/08\/2026) **<\/td>\n<td>Commercial Paper<\/td>\n<td>2.88%<\/td>\n<\/tr>\n<tr>\n<td>ICICI Bank Limited (31\/08\/2026) ** #<\/td>\n<td>Certificate of Deposit<\/td>\n<td>2.88%<\/td>\n<\/tr>\n<tr>\n<td>Kotak Securities Limited (20\/08\/2026) **<\/td>\n<td>Commercial Paper<\/td>\n<td>2.88%<\/td>\n<\/tr>\n<tr>\n<td>Bank of Baroda (10\/09\/2026) ** #<\/td>\n<td>Certificate of Deposit<\/td>\n<td>2.87%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest holding is 91 Days Tbill (MD 28\/08\/2026) at 5.96%, which is not especially large for a liquid fund. The tenth holding is 2.87%, so the drop from the top position to the tenth is moderate rather than steep.<\/p>\n<p>The top 10 holdings together account for approximately 36.61% of the portfolio, and the fund discloses 39 holdings in total. That combination suggests the portfolio may not be heavily concentrated in only a few positions, even though the largest names still matter because they carry the highest weights.<\/p>\n<p>Most of the visible holdings are in Treasury Bills, Certificate of Deposit and Commercial Paper, which is consistent with the fund\u2019s liquid-category role. In our view, that mix may support tighter day-to-day movement than equity-oriented schemes, while the spread across 39 holdings could help keep any single instrument from dominating the outcome.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/bank-of-india-liquid-fund-g-direct-plan\">Bank of India Liquid Fund Direct Growth Plan<\/a> page<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 03 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund fits investors who are comfortable with a low- to moderate-volatility liquid allocation and want a short-horizon parking option rather than an equity-style growth profile. The Balanced Risk label matters here: it signals that the fund still carries market and credit considerations, even if the portfolio is built from short-dated instruments.<\/p>\n<p>The 1-year, 3-year and 5-year pattern shows reasonably stable compounding, with returns staying close to the benchmark over longer periods and slightly ahead in the nearer term. That makes the fund more suitable for investors who value consistency, liquidity and a short holding period more than the chance of outsized gains.<\/p>\n<p>The main trade-off is straightforward: steadier behaviour comes with more modest return potential. Investors who want a liquid fund for cash management, emergency buffers or near-term deployment may find the return pattern and portfolio structure aligned with that use.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Exit load:<\/strong> 0.007% for Day 1, 0.0065% on Day 2, 0.0060% on Day 3, 0.0055% on Day 4, 0.0050% on Day 5, 0.0045% on Day 6, and NIL on or after 7D.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 03 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_current_NAV_of_Bank_of_India_Liquid_Fund_Direct_Growth_Plan\"><\/span>What is the current NAV of Bank of India Liquid Fund Direct Growth Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The current NAV is \u20b93268.5022 as of 03 Sep 2026.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_are_the_funds_1-year_3-year_and_5-year_returns\"><\/span>What are the fund\u2019s 1-year, 3-year and 5-year returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The 1-year return is 6.54%, the 3-year return is 6.99% and the 5-year return is 6.37%.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_the_fund_compare_with_its_benchmark\"><\/span>How does the fund compare with its benchmark?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It has stayed close to the benchmark over longer periods and is ahead on the 1-year and 3-year figures shown here. The 1-month return also stayed positive while the benchmark was negative.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_the_fund_compare_with_peer_liquid_funds_on_returns\"><\/span>How does the fund compare with peer liquid funds on returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Its 1-year return is slightly below the higher peer figures in this group, while the 3-year and 5-year numbers remain broadly in the same band as the better peer readings. The comparison is close rather than wide.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Does_the_fund_allow_SIP_investments\"><\/span>Does the fund allow SIP investments?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>No, SIP is not allowed for this fund.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_manages_the_fund_and_what_is_the_exit_load\"><\/span>Who manages the fund and what is the exit load?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund is managed by Mithraem Bharucha. The exit load reduces from Day 1 through Day 6 and becomes nil on or after 7D.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bank of India Liquid Fund Direct Growth Plan has shown a steady return pattern, with recent numbers staying close to the longer-run trend rather than breaking away from it. The fund is broadly in line with peer liquid funds on the longer horizon and slightly softer on the most recent 1-year comparison. With a Balanced Risk label, a short-dated instrument mix and a fairly spread-out portfolio, it looks better suited to investors who want stability and liquidity more than higher-return pursuit.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 4 September 2026 at 5:03 PM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"Bank of India Liquid Fund Direct Growth Plan\",\"identifier\":\"bank-of-india-liquid-fund-g-direct-plan\",\"category\":\"Liquid\",\"dateCreated\":\"01 Jan 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":3268.5022,\"valueReference\":\"as of 03 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"1728 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.1\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":6.54},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":6.99},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":6.37},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Mithraem Bharucha\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Bank of India Liquid Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b93268.5022 as of 03 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The 1-year return is 6.54%, the 3-year return is 6.99% and the 5-year return is 6.37%.\"}},{\"@type\":\"Question\",\"name\":\"How does the fund compare with its benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has stayed close to the benchmark over longer periods and is ahead on the 1-year and 3-year figures shown here. The 1-month return also stayed positive while the benchmark was negative.\"}},{\"@type\":\"Question\",\"name\":\"How does the fund compare with peer liquid funds on returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year return is slightly below the higher peer figures in this group, while the 3-year and 5-year numbers remain broadly in the same band as the better peer readings. The comparison is close rather than wide.\"}},{\"@type\":\"Question\",\"name\":\"Does the fund allow SIP investments?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No, SIP is not allowed for this fund.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Mithraem Bharucha. The exit load reduces from Day 1 through Day 6 and becomes nil on or after 7D.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bank of India Liquid Fund Direct Growth Plan has a NAV of \u20b93268.5022 as of 03 Sep 2026, an AUM of \u20b91,728 Cr and 1Y\/3Y\/5Y returns of 6.54%\/6.99%\/6.37%.<\/p>\n","protected":false},"author":29,"featured_media":232254,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-232255","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["232254"],"rank_math_title":["Bank of India Liquid Fund Review 2026: NAV"],"rank_math_description":["Bank of India Liquid Fund Direct Growth Plan NAV is \u20b93268.5022 as of 03 Sep 2026; 1Y return is 6.54%. Review the fund\u2019s returns and portfolio."],"rank_math_focus_keyword":["Bank of India Liquid Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/Bank_of_India_Liquid_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/232255","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=232255"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/232255\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/232254"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=232255"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=232255"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=232255"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}