Bank of India Liquid Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Liquid Fund

No of Debt Holding 28 (Category Avg - 67.49) | Modified Duration 0.11 Years (Category Avg - 0.12)| Yield to Maturity 5.95% (Category Avg - 5.98%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	0.00%	1.14%
CD	39.66%	35.50%
T-Bills	16.44%	17.24%
CP	42.06%	36.85%
NCD & Bonds	0.00%	4.30%

Category - Liquid Fund

Security Type	% Weight	Category Average
Government Backed	16.44%	18.37%
Low Risk	81.72%	76.50%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Liquid Fund

Debt holding in Portfolio (as on 31st Oct,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	1035.15	6.84%	1.05 Cr
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	996.01	6.58%	1.00 Cr
Bond - ICICI Home Finance Company Ltd.	CP	Housing finance company	P1+	CRISIL	749.38	4.95%	75.00 L
Bond - Motilal Oswal Financial Services Ltd.	CP	Stockbroking & allied	P1+	CRISIL	747.44	4.94%	75.00 L
Bond - T-Bill	T-Bills	Other			746.35	4.93%	75.00 L
Bond - T-Bill	T-Bills	Other			745.57	4.93%	75.00 L
Bond - T-Bill	T-Bills	Other			499.11	3.30%	50.00 L
Bond - Reliance Retail Ventures Ltd.	CP	Diversified retail	P1+	CRISIL	499.10	3.30%	50.00 L
Bond - PNB Housing Finance Ltd.	CP	Housing finance company	P1+	CRISIL	498.67	3.30%	50.00 L
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	499.12	3.30%	50.00 L
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	498.56	3.30%	50.00 L
Bond - Punjab National Bank	CD	Public sector bank	P1+	CRISIL	497.24	3.29%	50.00 L
Bond - Axis Finance Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	498.26	3.29%	50.00 L
Bond - Small Industries Development Bank Of India	CP	Financial institution	PR1+	CARE	496.91	3.28%	50.00 L
Bond - Bajaj Finance Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	496.73	3.28%	50.00 L
Bond - Power Finance Corporation Ltd.	CP	Financial institution	P1+	CRISIL	496.45	3.28%	50.00 L
Bond - Bajaj Financial Securities Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	496.38	3.28%	50.00 L
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	496.26	3.28%	50.00 L
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	496.25	3.28%	50.00 L
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	494.44	3.27%	50.00 L
Bond - ICICI Securities Primary Dealership Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	495.36	3.27%	50.00 L
Bond - Kotak Mahindra Bank Ltd.	CD	Private sector bank	P1+	CRISIL	493.91	3.26%	50.00 L
Bond - Kotak Mahindra Bank Ltd.	CD	Private sector bank	P1+	CRISIL	492.87	3.26%	50.00 L
Bond - Godrej Industries Ltd	CP	Animal feed	P1+	CRISIL	394.22	2.61%	40.00 L
Bond - T-Bill	T-Bills	Other			249.81	1.65%	25.00 L
Bond - HDFC Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	248.32	1.64%	25.00 L
Bond - Redington Ltd.	CP	Trading & distributors	P1+	CRISIL	248.29	1.64%	25.00 L
Bond - T-Bill	T-Bills	Other			246.95	1.63%	25.00 L