Bank of India Money Market 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 : Money Market Fund

Fund House : Bank of India Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 10.5513 0.01%
(as on 16th October, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 183.04 Cr

(0.06% of Investment in Category)

Expense Ratio

: 0.11%

(0.17% Category average)

Risk-O-Meter

Low to Moderate Risk

Money Market Fund :Money Market Fund : The fund has 96.87% investment in Debt, of which 8.13% in Government securities, 88.74% is in Low Risk securities.

Suitable For : Investors who want to invest for very short term and are looking for alternative to bank accounts/deposits.

1M
3M
6M
1Y
2Y
5Y
ALL

This Scheme

VS

CRISIL Money Market A-I Index

0.48%

1.4%

3.13%

6.99%

7.25%

5.96%

7.21%
NA
0.54%

1.47%

3.47%

7.72%

7.68%

6.13%

6.77%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 16th October, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	09-Oct-25	10010.20	0.10%	-	0.10%	20/25
1 Month	16-Sep-25	10057.00	0.57%	-	0.54%	1/25
3 Month	16-Jul-25	10148.80	1.49%	-	1.47%	5/25
6 Month	16-Apr-25	10347.90	3.48%	-	3.47%	11/24
Since Inception	04-Feb-25	10551.30	5.51%	8.02%	6.76%	23/24

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 16th October, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
No Data Found

SIP Calculator Detailed Returns Analysis

Tax Treatment

Any profit will be clubbed with your income and taxed at your effective tax rate.

Portfolio (Updated on 30th Sep,2025)

No of Debt Holding 16 (Category Avg - 84.79) | Modified Duration 0.56 Years (Category Avg - 0.45)| Yield to Maturity 6.28% (Category Avg - 6.27%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	0.00%	4.18%
CD	73.44%	60.82%
T-Bills	8.13%	9.09%
CP	15.30%	29.17%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	8.13%	13.27%
Low Risk	88.74%	89.99%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
Repo	Repo	2.95%
Net Receivables	Net Receivables	0.18%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 01st January, 1970)

No data available. Ratios are only available for the funds which are 3 years old.

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Tata Money Market Fund - Direct Plan - Growth	3	38807.85	0.55	1.50	3.53	7.93	7.85
Mirae Asset Money Market Fund - Direct Plan - Growth	5	2796.58	0.54	1.46	3.51	7.87	7.57
Bajaj Finserv Money Market Fund - Direct Plan - Growth	4	5177.96	0.55	1.47	3.51	7.86	0.00
Axis Money Market Fund - Direct Plan - Growth	3	18085.61	0.55	1.48	3.52	7.86	7.75
Franklin India Money Market Fund - Direct Plan - Growth	4	3580.24	0.54	1.46	3.47	7.85	7.68
Nippon India Money Market Fund - Direct Plan - Growth	2	23246.25	0.54	1.47	3.52	7.84	7.73
UTI Money Market Fund - Direct Plan - Growth	2	18862.20	0.55	1.48	3.48	7.81	7.70
Bandhan Money Market Fund - Direct Plan - Growth	3	12246.66	0.55	1.48	3.50	7.81	7.66
HDFC Money Market Fund - Direct Plan - Growth	2	37139.08	0.54	1.46	3.47	7.80	7.69
ICICI Prudential Money Market Fund - Direct Plan - Growth	3	34019.73	0.54	1.46	3.47	7.80	7.67

Detailed Comparison

More Funds from Bank of India Mutual Fund

Out of 23 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 2 is/are ranked 4 * , 4 is/are ranked 3 * , 1 is/are ranked 2 * , 5 is/are ranked 1 * , and 10 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Bank of India Flexi Cap Fund - Direct Plan - Growth	3	2164.81	1.16	1.08	13.24	-1.54	24.31
Bank of India Small Cap Fund - Direct Plan - Growth	3	1925.38	-1.22	-3.57	8.92	-6.92	21.59
Bank of India ELSS Tax Saver - Direct Plan - Growth	1	1374.63	-0.57	-1.88	8.45	-6.32	19.12
Bank of India Liquid Fund - Direct Plan - Growth	4	1360.19	0.48	1.43	3.04	6.83	7.11
Bank of India Mid & Small Cap Equity & Debt Fund - Direct Plan - Growth	3	1280.28	-0.60	-2.03	9.34	-1.82	20.50
Bank of India Multicap Fund - Direct Plan - Growth	NA	909.49	0.76	0.22	12.45	0.38	0.00
Bank of India Mid Cap Fund - Direct Plan - Growth	NA	667.76	0.00	0.00	0.00	0.00	0.00
Bank of India Manufacturing & Infrastructure Fund - Direct Plan - Growth	5	620.50	0.29	-0.31	16.14	-0.23	26.96
Bank of India Business Cycle Fund - Direct Plan - Growth	NA	551.19	0.53	0.00	8.60	-6.79	0.00
Bank of India Large & Mid Cap Fund - Direct Plan - Growth	2	414.09	1.37	0.56	11.18	-1.16	18.88

All funds

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NITINPIMPALE
MF Investment Help
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8 days ago

purchase unit will adjust difference in NAV 10.263 View more

Posted by : NITINPIMPALE
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  purchase unit will adjust difference in NAV 10.263
  
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krishna_ksvs
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20 days ago

View more

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The Fixed Income
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12 hrs ago

Invest in Stability with Long-Term Growth! 9.41% INDIA INFRASTRUCTURE FINANCE COMPANY LIMITED 2037 ✔️ Coupon: 9.41% ✔️ Rating: CARE AAA Stable ✔️ Tenor: 11y 9m (Maturity: 27/Jul/2037) Secured Bond | PSU Bond | High Return Bond | Listed Enjoy a secure, government-backed investment with steady returns over the long term. ???? Explore on The Fixed Income :https://www.thefixedincome.com/product/dUJHdFp3PT0=/941-india-infrastructure-finance-company-limited-2037?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

Posted by : The Fixed Income
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  Invest in Stability with Long-Term Growth! 9.41% INDIA INFRASTRUCTURE FINANCE COMPANY LIMITED 2037 ✔️ Coupon: 9.41% ✔️ Rating: CARE AAA Stable ✔️ Tenor: 11y 9m (Maturity: 27/Jul/2037) Secured Bond | PSU Bond | High Return Bond | Listed Enjoy a secure, government-backed investment with steady returns over the long term. ???? Explore on The Fixed Income :https://www.thefixedincome.com/product/dUJHdFp3PT0=/941-india-infrastructure-finance-company-limited-2037?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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shravanashok
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70 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

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  need your suggestion for sbi psu fund direct growth stay or switch
  
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ravisistla
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83 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

Posted by : ravisistla
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  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
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sunny85deol
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120 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

Posted by : sunny85deol
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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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