Tata Overnight Fund vs Bank of India Overnight Fund
Tata Overnight Fund (Direct) and Bank of India 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 04 Oct 2026
Growth of ₹100 (rebased over the selected window)
Common period 28 Jan 2020 – 04 Oct 2026, limited by Bank of India Overnight Fund. Every series is rebased to ₹100 at the start of this window.
View as table
| Date | Tata Overnight Fund | Bank of India Overnight Fund |
|---|---|---|
| 28 Jan 2020 | ₹100.00 | ₹100.00 |
| 18 Aug 2020 | ₹101.90 | ₹102.10 |
| 10 Mar 2021 | ₹103.62 | ₹103.87 |
| 29 Sep 2021 | ₹105.45 | ₹105.74 |
| 21 Apr 2022 | ₹107.44 | ₹107.82 |
| 10 Nov 2022 | ₹110.41 | ₹110.86 |
| 02 Jun 2023 | ₹114.34 | ₹114.83 |
| 22 Dec 2023 | ₹118.60 | ₹119.17 |
| 12 Jul 2024 | ₹123.03 | ₹123.65 |
| 01 Feb 2025 | ₹127.52 | ₹128.24 |
| 23 Aug 2025 | ₹131.68 | ₹132.45 |
| 15 Mar 2026 | ₹135.61 | ₹136.42 |
| 04 Oct 2026 | ₹139.53 | ₹140.61 |
| Metric | Tata · Direct NAV ₹1,459.37 Low risk ★★★★☆ | Bank of India · Direct NAV ₹1,406.30 Low risk ★★★★☆ | Category median Overnight Fund · 40 funds |
|---|---|---|---|
| +5.29% | +5.48%Best in row | +5.25% | |
| +6.08% | +6.19%Best in row | +6.05% | |
| +5.75% | +5.86%Best in row | +5.73% | |
| +5.15% | +5.23% | +5.16% | |
| +5.95% | +6.06%Best in row | — | |
| +5.24% | +5.66%Best in row | +5.31% | |
| +5.21% | +5.47%Best in row | +5.22% | |
| Risk | |||
| 0.11%Best in row | 0.22% | 0.12% | |
| ₹5,354Cr | ₹80.05Cr | ₹983.03Cr | |
| ₹500 | — | — | |
| Jennifer Karkaria · 0.3y | Mithraem Bharucha · 5.1y | — | |
| 28 Mar 2019 | 28 Jan 2020 | — | |
| 98.4% | 96.3% | — | |
17 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
- —
- Expense ratio (TER)
- 0.09%
- Exit load
- None
- Lock-in
- None
- Min lumpsum
- ₹5.00K
- 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 — Tata Overnight Fund or Bank of India Overnight Fund?
Over the last 3 years, Bank of India Overnight Fund returned +6.19% CAGR against Tata Overnight Fund's +6.08%, computed from AMFI NAV history. Over 5 years: Tata Overnight Fund +5.75% vs Bank of India Overnight Fund +5.86% CAGR. Past returns don't guarantee future performance.
Which fund is cheaper — Tata Overnight Fund or Bank of India Overnight Fund?
Tata Overnight Fund has the lower expense ratio: Tata Overnight Fund charges 0.09% a year against Bank of India Overnight Fund's 0.09%. The expense ratio is deducted from the NAV daily, so a lower one compounds in the investor's favour.
Which fund is riskier — Tata Overnight Fund or Bank of India Overnight Fund?
Bank of India Overnight Fund has shown higher volatility (+0.22% annualized vs Tata Overnight Fund's +0.11%), measured as the annualized standard deviation of daily returns over the trailing 3 years. Worst 3-year drawdown: Tata Overnight Fund 0.00% vs Bank of India Overnight Fund 0.00%.
Which fund manages more money — Tata Overnight Fund or Bank of India Overnight Fund?
Tata Overnight Fund is the larger fund: Tata Overnight Fund manages ₹5,354Cr against Bank of India Overnight Fund's ₹80.05Cr 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 Tata Overnight Fund and Bank of India 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.