Bank of India Liquid Fund Direct-Growth
Debt: Liquid - Growth (Open ended)
SEBI Riskometer: Low to ModerateCategory: Debt: LiquidBenchmark: CRISIL Liquid Debt A-I IndexCheck Portfolio Overlap →
NAV: ₹3,276.53+0.02%
20 Sept 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for Bank of India Liquid Fund Direct-Growth.
Historical Asset Allocation
| Asset | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 |
|---|---|---|---|---|---|---|
| Equity | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Debt | 97.60% | 98.60% | 118.61% | 99.48% | 97.93% | 98.99% |
| Others (incl. cash) | 2.40% | 1.40% | -18.61% | 0.52% | 2.07% | 1.01% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Portfolio Snapshot
No. of Securities
40
Top Holding %
5.47%
Top 5 Holdings %
21.97%
Top 10 Holdings %
35.66%
Modified Duration
0.13 yrs
Avg. Maturity
0.13 yrs
Yield to Maturity
6.09%
AUM
₹1,825 Cr
Expense Ratio
0.09%
Since Inception
6.83%
Max Drawdown
-0.00%
Sharpe Ratio
5.43
Top Portfolio Holdings by Weight
Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.
| Instrument | Sector | No. of Shares | Value (Rs. Cr) | Weight | Change |
|---|---|---|---|---|---|
| Reserve Bank of India | Financial | 1,00,00,000 | 99.78 | 5.47% | -0.28%↓ |
| Reserve Bank of India | Financial | 1,00,00,000 | 99.19 | 5.44% | - |
| Kotak Mahindra Bank Ltd. | Financial | 75,00,000 | 74.71 | 4.09% | 1.22%↑ |
| Aditya Birla Housing Finance Ltd. | Financial | 75,00,000 | 73.91 | 4.05% | - |
| Reserve Bank of India | Financial | 53,50,000 | 53.28 | 2.92% | -0.15%↓ |
| Poonawalla Fincorp Ltd. | Financial | 50,00,000 | 49.93 | 2.74% | -0.13%↓ |
| Small Industries Devp. Bank of India Ltd. | Financial | 50,00,000 | 49.92 | 2.74% | -0.13%↓ |
| Indian Bank | Financial | 50,00,000 | 49.95 | 2.74% | -0.13%↓ |
| National Bank For Agriculture & Rural Development | Financial | 50,00,000 | 49.92 | 2.74% | -0.13%↓ |
| Union Bank of India | Financial | 50,00,000 | 49.81 | 2.73% | -0.14%↓ |
| Canara Bank | Financial | 50,00,000 | 49.88 | 2.73% | - |
| HDFC Securities Ltd. | Financial | 50,00,000 | 49.8 | 2.73% | -0.13%↓ |
| REC Ltd. | Financial | 50,00,000 | 49.83 | 2.73% | -0.14%↓ |
| HDFC Bank Ltd. | Financial | 50,00,000 | 49.61 | 2.72% | -0.13%↓ |
| Small Industries Devp. Bank of India Ltd. | Financial | 50,00,000 | 49.39 | 2.71% | - |
| Reserve Bank of India | Financial | 50,00,000 | 49.49 | 2.71% | - |
| Export-Import Bank Of India | Financial | 50,00,000 | 49.44 | 2.71% | - |
| Bank Of Baroda | Financial | 50,00,000 | 49.43 | 2.71% | - |
| Axis Securities Ltd. | Others | 50,00,000 | 49.38 | 2.71% | - |
| Small Industries Devp. Bank of India Ltd. | Financial | 50,00,000 | 49.42 | 2.71% | - |
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Debt Holdings — Credit Quality Profile
Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.
| Rating | Fund | Category |
|---|---|---|
| A1+ | 79.35% | 64.59% |
| SOV | 17.94% | 17.22% |
| Cash & Call Money | 2.40% | 10.71% |
| Others | 0.31% | 2.46% |
| AA | - | 0.06% |
| AA+ | - | 0.06% |
| AAA | - | 2.73% |
| Bill Rediscounting | - | 0.01% |
| Term Deposits | - | 0.34% |
Debt Insights
A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.
SEBI PRC matrix
Credit risk
| Interest risk | |||
|---|---|---|---|
| Low | Moderate | High | |
| Low | |||
| Moderate | |||
| High | |||
Instruments
| Full name | Description | Coupon rate | Maturity | Rating raw | Weight |
|---|---|---|---|---|---|
| Reserve Bank of India | Treasury Bills | 0.00% | 91-D 17/09/2026 | SOV | 5.47% |
| Reserve Bank of India | Treasury Bills | 0.00% | 91-D 29/10/2026 | SOV | 5.44% |
| Kotak Mahindra Bank Ltd. | Certificate of Deposit | 0.00% | 24/09/2026 | CRISIL A1+ | 4.09% |
| Aditya Birla Housing Finance Ltd. | Commercial Paper | 0.00% | 90-D 23/11/2026 | CRISIL A1+ | 4.05% |
| Reserve Bank of India | Treasury Bills | 0.00% | 91-D 01/10/2026 | SOV | 2.92% |
| Indian Bank | Certificate of Deposit | 0.00% | 07/09/2026 | CRISIL A1+ | 2.74% |
| Poonawalla Fincorp Ltd. | Commercial Paper | 0.00% | 91-D 09/09/2026 | CRISIL A1+ | 2.74% |
| Small Industries Devp. Bank of India Ltd. | Commercial Paper | 0.00% | 91-D 11/09/2026 | CARE A1+ | 2.74% |
| National Bank For Agriculture & Rural Development | Commercial Paper | 0.00% | 91-D 11/09/2026 | CRISIL A1+ | 2.74% |
| Canara Bank | Certificate of Deposit | 0.00% | 15/09/2026 | ICRA A1+ | 2.73% |
| REC Ltd. | Commercial Paper | 0.00% | 21/09/2026 | CRISIL A1+ | 2.73% |
| Union Bank of India | Certificate of Deposit | 0.00% | 24/09/2026 | ICRA A1+ | 2.73% |
| HDFC Securities Ltd. | Commercial Paper | 0.00% | 79-D 23/09/2026 | CRISIL A1+ | 2.73% |
| HDFC Bank Ltd. | Certificate of Deposit | 0.00% | 16/10/2026 | CRISIL A1+ | 2.72% |
| Export-Import Bank Of India | Commercial Paper | 0.00% | 91-D 04/11/2026 | CRISIL A1+ | 2.71% |
| Axis Securities Ltd. | Commercial Paper | 0.00% | 91-D 04/11/2026 | CRISIL A1+ | 2.71% |
| Bank Of Baroda | Certificate of Deposit | 0.00% | 06/11/2026 | FITCH A1+ | 2.71% |
| Reserve Bank of India | Treasury Bills | 0.00% | 182-D 12/11/2026 | SOV | 2.71% |
| Small Industries Devp. Bank of India Ltd. | Certificate of Deposit | 0.00% | 10/11/2026 | CARE A1+ | 2.71% |
| Small Industries Devp. Bank of India Ltd. | Certificate of Deposit | 0.00% | 06/11/2026 | CRISIL A1+ | 2.71% |
| Motilal Oswal Financial Services Ltd. | Commercial Paper | 0.00% | 91-D 17/11/2026 | CRISIL A1+ | 2.70% |
| Axis Finance Ltd. | Commercial Paper | 0.00% | 91-D 26/11/2026 | CRISIL A1+ | 2.70% |
| Redington Ltd. | Commercial Paper | 0.00% | 91-D 13/11/2026 | CRISIL A1+ | 2.70% |
| Canara Bank | Certificate of Deposit | 0.00% | 23/11/2026 | CRISIL A1+ | 2.70% |
| LIC Housing Finance Ltd. GDR/GDS | Commercial Paper | 0.00% | 91-D 26/11/2026 | CRISIL A1+ | 2.70% |
| ICICI Securities Ltd. | Commercial Paper | 0.00% | 182-D 13/11/2026 | CRISIL A1+ | 2.70% |
| ICICI Home Finance Company Ltd. | Commercial Paper | 0.00% | 91-D 17/11/2026 | ICRA A1+ | 2.70% |
| Union Bank of India | Certificate of Deposit | 0.00% | 27/10/2026 | ICRA A1+ | 2.44% |
| Indian Bank | Certificate of Deposit | 0.00% | 17/09/2026 | CRISIL A1+ | 2.19% |
| HDFC Bank Ltd. | Certificate of Deposit | 0.00% | 21/09/2026 | CRISIL A1+ | 1.37% |
| Motilal Oswal Financial Services Ltd. | Commercial Paper | 0.00% | 91-D 15/09/2026 | ICRA A1+ | 1.37% |
| NTPC Ltd. | Commercial Paper | 0.00% | 23/09/2026 | CRISIL A1+ | 1.36% |
| Indian Bank | Certificate of Deposit | 0.00% | 01/10/2026 | CRISIL A1+ | 1.36% |
| Small Industries Devp. Bank of India Ltd. | Certificate of Deposit | 0.00% | 27/10/2026 | CARE A1+ | 1.36% |
| ICICI Home Finance Company Ltd. | Commercial Paper | 0.00% | 77-D 22/09/2026 | CRISIL A1+ | 1.36% |
| Reserve Bank of India | Treasury Bills | 0.00% | 182-D 19/11/2026 | SOV | 1.35% |
| AU Small Finance Bank Ltd. | Certificate of Deposit | 0.00% | 06/11/2026 | CRISIL A1+ | 1.35% |
| Reserve Bank of India | Treasury Bills | 0.00% | 182-D 18/09/2026 | SOV | 0.05% |
Frequently Asked Questions
What are the top holdings of Bank of India Liquid Fund Direct-Growth?
The top holdings of Bank of India Liquid Fund Direct-Growth as of 31 Aug 2026 are Reserve Bank of India (5.47%), Reserve Bank of India (5.44%), Kotak Mahindra Bank Ltd. (4.09%), Aditya Birla Housing Finance Ltd. (4.05%), Reserve Bank of India (2.92%). These top 5 stocks together account for 21.97% of the total portfolio. You can view the complete holdings breakdown above.
How many stocks does Bank of India Liquid Fund Direct-Growth hold in its portfolio?
Bank of India Liquid Fund Direct-Growth holds 40 stocks in its portfolio as of 31 Aug 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.
What is the sector allocation of Bank of India Liquid Fund Direct-Growth?
The sector allocation of Bank of India Liquid Fund Direct-Growth is shown in the Sector Allocation section above.
What is the equity and debt allocation of Bank of India Liquid Fund Direct-Growth?
As of 31 Aug 2026, Bank of India Liquid Fund Direct-Growth has 0.00% allocated to equity, and 97.60% to debt. You can also check the historical trends above.
What is the market cap allocation of Bank of India Liquid Fund Direct-Growth?
The market cap allocation of Bank of India Liquid Fund Direct-Growth is shown in the Holdings Analysis section above.
What is the PE ratio of Bank of India Liquid Fund Direct-Growth's portfolio?
The portfolio PE ratio of Bank of India Liquid Fund Direct-Growth is shown in the Holdings Analysis section above.
What is the credit quality of Bank of India Liquid Fund Direct-Growth?
As of 31 Aug 2026, Bank of India Liquid Fund Direct-Growth's debt portfolio has - in AAA-rated instruments, - in AA-rated, and 17.94% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.
When is the latest portfolio disclosure for Bank of India Liquid Fund Direct-Growth?
The latest portfolio disclosure for Bank of India Liquid Fund Direct-Growth is as of 31 Aug 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.