Should I invest in BANK OF INDIA Liquid Fund- Weekly IDCW?

We don't give personal investment advice. BANK OF INDIA Liquid Fund- Direct Plan- Weekly IDCW is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.5%. 5-year CAGR: -1.09%.

Bank of India

BANK OF INDIA Liquid Fund- Direct Plan- Weekly IDCW

Latest NAV

₹1,005.2707

As of

3 Jun 2026

3,944 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.01%	0.00%	+0.02	80 / 139	Q3
1W	+0.01%	+0.04%	-0.02	72 / 138	Q3
2W	0.00%	+0.05%	-0.05	112 / 138	Q4
1M	+0.03%	+0.11%	-0.08	66 / 138	Q2
3M	0.00%	+0.30%	-0.30	116 / 138	Q4
6M	-5.33%	+0.41%	-5.74	133 / 135	Q4
YTD	-5.37%	+0.39%	-5.76	134 / 135	Q4
1Y	-5.32%	+1.00%	-6.32	126 / 128	Q4
2Y	-2.69%	+1.19%	-3.87	124 / 127	Q4
3Y	-1.84%	+1.40%	-3.24	120 / 122	Q4
4Y	-1.37%	+1.28%	-2.65	113 / 114	Q4
5Y	-1.09%	+1.19%	-2.28	112 / 113	Q4
7Y	-0.78%	+0.84%	-1.62	104 / 107	Q4
10Y	-0.56%	+0.68%	-1.23	72 / 73	Q4
Inception	+0.04%	+1.24%	-1.20	75 / 139	Q3

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-5.37%	+0.25%	-5.62	119 / 120
2025	-0.02%	+1.10%	-1.11	80 / 115
2024	+0.05%	+1.42%	-1.37	42 / 118
2023	-0.02%	+1.63%	-1.64	108 / 112
2022	+0.09%	+1.11%	-1.02	47 / 116
2021	+0.01%	+0.45%	-0.44	32 / 107
2020	+0.00%	+0.35%	-0.34	36 / 110
2019	-0.01%	+1.19%	-1.20	65 / 99
2018	+0.00%	+1.03%	-1.03	58 / 91
2017	-0.02%	+1.12%	-1.14	75 / 87
2016	+0.01%	+1.02%	-1.02	32 / 73

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+0.24%

146 windows

min -5.4% · max 7.9%

73% positive

3-Year rolling

+0.12%

122 windows

min -1.8% · max 1.9%

58% positive

5-Year rolling

+0.09%

98 windows

min -1.1% · max 1.2%

47% positive

7-Year rolling

+0.08%

73 windows

min -0.8% · max 0.8%

53% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

3.09%

3-year · annualised

Sharpe ratio

-2.69

vs risk-free 6.5%

Sortino ratio

-2.65

Downside-only deviation

Max drawdown

-5.54%

Apr 2025 → Jan 2026

% positive months

52.8%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Liquid Fund

Scheme	Fund house	NAV	As of
HDFC Liquid Fund - IDCW Daily - Direct Plan	HDFC	₹1,019.8200	3 Jun 2026
NIPPON INDIA LIQUID FUND - DIRECT Plan - DAILY IDCW OPTION	Nippon India	₹1,528.7400	3 Jun 2026
SBI Liquid Fund - Direct Paln - Fortnightly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,423.4119	3 Jun 2026
ICICI Prudential Liquid Fund - Direct Plan - IDCW Others	ICICI Prudential	₹191.3611	3 Jun 2026
Invesco India Liquid Fund - Direct Plan - Monthly IDCW (Payout / Reinvestment)	Invesco	₹1,083.5347	3 Jun 2026
BANDHAN LIQUID Fund -Direct Plan -Monthly IDCW	Bandhan	₹1,008.3799	3 Jun 2026
quant Liquid Fund - Monthly IDCW Option - Direct Plan	Quant	₹15.7591	3 Jun 2026
Aditya Birla Sun Life Liquid Fund -Direct - daily IDCW	Aditya Birla Sun Life	₹100.1950	3 Jun 2026
Motilal Oswal Liquid Fund Direct - IDCW Quarterly Payout/Reinvestment	Motilal Oswal	₹10.2338	3 Jun 2026
Franklin India Liquid Fund - Super Institutional Plan - Direct - Daily - IDCW	Franklin India	₹1,002.8152	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,005.2707
2 Jun 2026	₹1,005.1403
1 Jun 2026	₹1,005.0000
31 May 2026	₹1,006.1141
29 May 2026	₹1,005.7492
28 May 2026	₹1,005.5026
26 May 2026	₹1,005.1368
25 May 2026	₹1,005.0000
24 May 2026	₹1,005.9210
23 May 2026	₹1,005.7529

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of BANK OF INDIA Liquid Fund- Direct Plan- Weekly IDCW is ₹1,005.2707. It's a Liquid Fund from Bank of India, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

BANK OF INDIA Liquid Fund- Direct Plan- Weekly IDCW has NAV history starting from 14 Jan 2013, a track record of about 13 years 4 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

BANK OF INDIA Liquid Fund- Direct Plan- Weekly IDCW is managed by Bank of India. It's classified by AMFI under the 'Liquid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, BANK OF INDIA Liquid Fund- Direct Plan- Weekly IDCW has delivered a absolute return of -5.32% — -6.32 pp behind the Liquid Fund category average of 1.00%. The fund ranks #126 of 128 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, BANK OF INDIA Liquid Fund- Direct Plan- Weekly IDCW has delivered a CAGR of -1.84% — -3.24 pp behind the Liquid Fund category average of 1.40%. The fund ranks #120 of 122 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, BANK OF INDIA Liquid Fund- Direct Plan- Weekly IDCW has delivered a CAGR of -1.09% — -2.28 pp behind the Liquid Fund category average of 1.19%. The fund ranks #112 of 113 in its category — the bottom (Q4) quartile.

₹1 lakh invested in BANK OF INDIA Liquid Fund- Direct Plan- Weekly IDCW exactly 10 years ago would be worth approximately ₹94,577 today — a multiplier of 0.95×, based on the 10-year CAGR of -0.56%. The category average over the same window would have grown ₹1 lakh to ₹106,990.

A ₹10,000 monthly SIP in BANK OF INDIA Liquid Fund- Direct Plan- Weekly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹570,004 today. That's an XIRR (money-weighted annualised return) of -2.01%.

A ₹10,000 monthly SIP for 10 years in BANK OF INDIA Liquid Fund- Direct Plan- Weekly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,137,911 (multiplier 0.95×). XIRR: -1.06%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, BANK OF INDIA Liquid Fund- Direct Plan- Weekly IDCW ranks #112 out of 113 funds in the Liquid Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 1.19%; this fund delivered -1.09%.

The worst peak-to-trough decline BANK OF INDIA Liquid Fund- Direct Plan- Weekly IDCW has experienced over the last 5-year window is 5.54% — its NAV fell from a high on 01 Apr 2025 to a low on 05 Jan 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, BANK OF INDIA Liquid Fund- Direct Plan- Weekly IDCW averaged 0.09% (best 1.19%, worst -1.09%). 47% of rolling windows ended positive. The 5-year Sharpe ratio is -3.14 — negative risk-adjusted performance.

In calendar year 2025, BANK OF INDIA Liquid Fund- Direct Plan- Weekly IDCW returned -0.02% — lagging the Liquid Fund category average of 1.10% by 1.11 pp. It ranked #80 of 115 in its category that year.

BANK OF INDIA Liquid Fund- Direct Plan- Weekly IDCW is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. BANK OF INDIA Liquid Fund- Direct Plan- Weekly IDCW is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.5%. 5-year CAGR: -1.09%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.