Markets / Mutual funds / Overnight
Bank of India Mutual Fund · Debt fund · Regular plan · IDCW
The investment objective of the scheme is to generate income commensurate with low risk and high liquidity by investing in overnight securities having residual maturity of 1 business day. However, there can be no assurance that the investment objectives of the Scheme will be realized. The Scheme does not assure or guarantee any returns.
Bars: this plan; the thin mark is the Overnight average (regular plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | -0.0 | |||||||||||
| 2025 | +0.1 | -0.1 | +0.0 | +0.5 | -0.4 | -0.0 | +0.4 | -0.4 | -0.0 | +0.1 | -0.0 | +0.0 |
| 2026 | -0.0 | -0.0 | +0.1 | -0.0 | +0.0 | -0.0 | +0.0 | -0.0 | -0.0 | +0.0 | +0.1 |
Each month's change in NAV (the current month to the latest NAV).
Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.
| Share of fund | 30 Sept 2026 | 31 May 2026 | Change |
|---|---|---|---|
| Debt | 0.0% | 0.0% | 0.00 |
| Money market | 4.0% | 1.5% | +2.43 |
| Cash & others | 96.0% | 98.5% | -2.43 |
Change is in percentage points. Bought more and cut back list stocks whose share of the fund moved by at least 0.25 points. A share can also move because the price changed, not only because the fund traded.
| Holding | % of fund |
|---|---|
| REPO | 93.88% |
| 364 Days Tbill (MD 15/10/2026) IN002025Z294 | 2.83% |
| TREPS | 1.51% |
| 91 Days Tbill (MD 01/10/2026) IN002026X131 | 1.13% |
| Net Receivables / (Payables) | 0.65% |
From the fund house's monthly portfolio (boimf.in), as on 30 Sept 2026. Percentages are of the fund's net assets. Published about ten days after each month ends.
Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 28 Feb 2022).
| Fund size (average AUM, July - September 2026) | ₹86.44 cr across all plans · this plan ₹0.12 cr |
| Fund house | Bank of India Mutual Fund |
| Category | Debt · Overnight |
| Plan | Regular |
| Option | IDCW |
| Expense ratio (TER) | Direct 0.10% · Regular 0.15% (5 Nov 2026) |
| Minimum investment | ₹5,000 · additional ₹1,000 |
| Scheme code (AMFI) | 147949 |
| ISIN | INF761K01FD0 |
| NAV date | 5 Nov 2026 |
Scheme details from the fund's scheme summary document filed with AMFI; expense ratios from AMFI's daily filings.
| Plan | NAV | 1 year |
|---|---|---|
| Regular · Growth | ₹1,408.8853 | +5.46% |
| Regular · Growth | ₹1,413.1830 | +5.49% |
| Regular · Growth | ₹1,000.0000 | 0.00% |
| Regular · Growth | ₹1,328.8742 | +5.47% |
| Regular · Growth | ₹1,328.6364 | +5.48% |
| Regular · Growth | ₹1,000.0000 | 0.00% |
| Regular · IDCW | ₹1,001.5566 | +0.02% |
| Regular · IDCW | ₹1,000.4595 | – |
| Regular · IDCW | ₹1,000.0009 | 0.00% |
| Regular · IDCW | ₹1,000.0007 | 0.00% |
| Fund | 1 year | 3 years (a year) |
|---|---|---|
| Groww Overnight Fund | +5.76% | +6.18% |
| BANK OF INDIA OVERNIGHT FUND | +5.47% | +6.17% |
| BANK OF INDIA OVERNIGHT FUND | +5.49% | +6.16% |
| BANK OF INDIA OVERNIGHT FUND | +5.48% | +6.16% |
| BANK OF INDIA OVERNIGHT FUND | +5.46% | +6.14% |
| HSBC Overnight Fund | +5.26% | +6.03% |
| DSP Overnight Fund | +5.27% | +6.03% |
| DSP Overnight Fund | +5.27% | +6.03% |
Information only, not investment advice.
₹1,001.5393 as of 5 Nov 2026, from AMFI's official NAV data.
1 year: 0.02%, 3 years: 0.00% a year
Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.