Bank of India Overnight Fund vs Bajaj Finserv Overnight Fund
Bank of India Overnight Fund (Direct) and Bajaj Finserv Overnight Fund (Direct) head to head: growth of ₹100, returns across every window, risk, cost, and portfolio overlap — every figure computed from AMFI NAV history, nothing supplied by a fund house. Both are Overnight Fund schemes — see the best overnight mutual funds for the full ranking.
Head to head
NAVs as of 21 Oct 2026
Growth of ₹100 (rebased over the selected window)
Common period 05 Jul 2023 – 21 Oct 2026, limited by Bajaj Finserv Overnight Fund. Every series is rebased to ₹100 at the start of this window.
View as table
| Date | Bank of India Overnight Fund | Bajaj Finserv Overnight Fund |
|---|---|---|
| 05 Jul 2023 | ₹100.00 | ₹100.00 |
| 13 Oct 2023 | ₹101.80 | ₹101.79 |
| 22 Jan 2024 | ₹103.74 | ₹103.70 |
| 01 May 2024 | ₹105.64 | ₹105.57 |
| 09 Aug 2024 | ₹107.53 | ₹107.46 |
| 18 Nov 2024 | ₹109.49 | ₹109.37 |
| 26 Feb 2025 | ₹111.47 | ₹111.32 |
| 06 Jun 2025 | ₹113.34 | ₹113.16 |
| 15 Sep 2025 | ₹115.05 | ₹114.83 |
| 24 Dec 2025 | ₹116.77 | ₹116.54 |
| 03 Apr 2026 | ₹118.42 | ₹118.20 |
| 13 Jul 2026 | ₹120.31 | ₹119.89 |
| 21 Oct 2026 | ₹122.01 | ₹121.61 |
| Metric | Bank of India · Direct NAV ₹1,409.90 Low risk ★★★★☆ | Bajaj Finserv · Direct NAV ₹1,216.28 Low risk ★★★★★ | Category median Overnight Fund · 40 funds |
|---|---|---|---|
| +5.49%Best in row | +5.34% | +5.26% | |
| +6.16%Best in row | +6.06% | +6.02% | |
| +5.88% | — | +5.76% | |
| +5.24% | +6.11% | +5.16% | |
| +6.06% | — | — | |
| +5.69% | +6.12%Best in row | +5.33% | |
| +5.49% | — | +5.23% | |
| Risk | |||
| 0.21% | 0.14% | 0.11% | |
| 0.09%Best in row | 0.11% | 0.11% | |
| ₹85.50Cr | ₹677.94Cr | ₹677.94Cr | |
| — | ₹1.00K | — | |
| ₹5.00K | ₹100 | — | |
| Mithraem Bharucha · 5.2y | Chirag Shah · 0.4y | — | |
| 28 Jan 2020 | 05 Jul 2023 | — | |
| 96.0% | 88.6% | — | |
15 rows carry the same value for every fund — show
- 10Y return (CAGR)
- —
- 10Y rolling avg
- —
- Sharpe
- —
- Sortino
- —
- Max drawdown
- 0.00%
- Benchmark
- —
- Alpha
- —
- Beta
- —
- Upside capture
- —
- Downside capture
- —
- Exit load
- None
- Lock-in
- None
- Portfolio turnover
- —
- Holdings
- —
- Top 10 weight
- —
Best marks the strongest value in a row, and only where the gap is bigger than noise — a near-tie is left unmarked rather than dressed up as a result. SIP XIRR is a ₹10,000/month instalment over 5 years of real NAV history. Nothing here is supplied by a fund house. For research only — not investment advice.
Frequently asked questions
Which fund has delivered higher returns — Bank of India Overnight Fund or Bajaj Finserv Overnight Fund?
Over the last 3 years, Bank of India Overnight Fund returned +6.16% CAGR against Bajaj Finserv Overnight Fund's +6.06%, computed from AMFI NAV history. Past returns don't guarantee future performance.
Which fund is cheaper — Bank of India Overnight Fund or Bajaj Finserv Overnight Fund?
Bank of India Overnight Fund has the lower expense ratio: Bank of India Overnight Fund charges 0.09% a year against Bajaj Finserv Overnight Fund's 0.11%. The expense ratio is deducted from the NAV daily, so a lower one compounds in the investor's favour.
Which fund is riskier — Bank of India Overnight Fund or Bajaj Finserv Overnight Fund?
Bank of India Overnight Fund has shown higher volatility (+0.21% annualized vs Bajaj Finserv Overnight Fund's +0.14%), measured as the annualized standard deviation of daily returns over the trailing 3 years. Worst 3-year drawdown: Bank of India Overnight Fund 0.00% vs Bajaj Finserv Overnight Fund 0.00%.
Which fund manages more money — Bank of India Overnight Fund or Bajaj Finserv Overnight Fund?
Bajaj Finserv Overnight Fund is the larger fund: Bank of India Overnight Fund manages ₹85.50Cr against Bajaj Finserv Overnight Fund's ₹677.94Cr in assets. Size cuts both ways — scale lowers costs, but a very large fund can find it harder to move in and out of positions.
Are Bank of India Overnight Fund and Bajaj Finserv Overnight Fund in the same category?
Yes — both are Overnight Fund schemes, so their returns, risk and cost are directly comparable against the same peer set.
Figures update daily from AMFI NAV history; ratings and ranks are WealthTicker’s own — see the methodology. This is data, not investment advice.