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Bank of India Overnight Fund(DD-IDCW)

Ticker: mf17478
Decent 66/100

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P
PGIM India Overnight Fund(W-IDCW)
Score 68/100 Decent
The fund shows decent stability and growth potential, but faces challenges in profitability and market sentiment.
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P
PGIM India Overnight Fund(DD-IDCW)
Score 68/100 Decent
The fund shows decent performance metrics but lacks strong growth drivers and technical momentum.
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K
Kotak Nifty Financial Services Ex-Bank Index Fund(IDCW)
Score 68/100 Decent
The fund shows potential for moderate growth, but investors should be cautious of market volatility and execution risks.
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K
Kotak Nifty Financial Services Ex-Bank Index Fund(IDCW Payout)
Score 68/100 Decent
The fund shows potential in a growing sector but carries risks related to valuation and execution. Caution is advised for new investments.
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S
SBI Nifty100 Low Volatility 30 Index Fund(IDCW Payout)
Score 68/100 Decent
The SBI Nifty100 Low Volatility 30 Index Fund offers a stable investment option with moderate growth potential, suitable for risk-averse investors.
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S
SBI Nifty100 Low Volatility 30 Index Fund(IDCW)
Score 48/100 Decent
The SBI Nifty100 Low Volatility 30 Index Fund presents a decent investment option for conservative investors seeking stability, but it lacks significant growth potential.
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B
Bank of India Conservative Hybrid Fund(A-IDCW)
Score 68/100 Decent
The fund shows potential for moderate returns, but investors should be cautious of market volatility and execution risks.
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B
Bank of India Conservative Hybrid Fund(Q-IDCW)
Score 68/100 Decent
The fund shows potential for moderate returns but is subject to sector-specific risks and execution challenges.
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B
Bank of India Conservative Hybrid Fund(M-IDCW)
Score 48/100 Risky
The Bank of India Conservative Hybrid Fund presents several risks with limited growth prospects and profitability concerns, making it a risky investment choice.
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S
SBI LT Advantage Fund-III-(IDCW)
Score 68/100 Decent
The fund shows decent potential with consistent growth and manageable risks, but investors should be cautious of execution risks and valuation metrics.
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M
Mirae Asset Gold Silver Passive FoF(IDCW)
Score 70/100 Decent
The fund has a decent score reflecting its potential in a volatile market, but investors should be cautious of market fluctuations.
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N
Nippon India FMP-XLI-8-3654D(IDCW)
Score 68/100 Decent
The stock shows potential but requires careful monitoring due to inconsistent growth and profitability metrics.
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I
ICICI Pru FMP-88-1303D-S(IDCW)
Score 63/100 Decent
The stock presents a decent investment opportunity, but caution is advised due to inconsistent growth and moderate risks.
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B
Bank of India Midcap Tax Fund-Sr 1(IDCW)
Score 66/100 Decent
The fund shows decent potential with moderate risks, but investors should be cautious due to external pressures and execution challenges.
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D
DSP US Specific Debt Passive FoF(IDCW Reinvest)
Score 63/100 Decent
The fund is a decent option for conservative investors seeking exposure to US debt, but growth potential is limited.
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D
DSP US Specific Debt Passive FoF(IDCW)
Score 48/100 Risky
The fund shows several weaknesses in growth potential and market sentiment, making it a risky investment.
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Business Overview

The Bank of India Overnight Fund (DD-IDCW) is a mutual fund designed for investors seeking a safe and liquid investment option. Ideal for conservative investors and those looking to park their funds for short durations, this fund invests primarily in overnight securities. It offers stability and low risk, making it a suitable choice for individuals looking to preserve capital while earning modest returns. With a focus on liquidity and safety, this fund is a reliable option for managing short-term cash needs.

  • Designed for conservative investors
  • Focuses on overnight securities
  • Offers liquidity and safety
  • Ideal for short-term capital preservation
  • Provides modest returns with low risk

Investment Thesis

Bank of India Overnight Fund (DD-IDCW) presents a compelling investment opportunity due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. This fund is well-positioned to capitalize on the evolving financial landscape, making it a smart choice for retail investors seeking stability and growth.

  • Strong backing from a reputable promoter group enhances investor confidence.
  • Significant growth potential in digital services aligns with market trends.
  • Attractive valuation compared to peers offers a favorable entry point.
  • Focus on liquidity and safety makes it suitable for conservative investors.
  • Well-diversified portfolio mitigates risks and enhances returns.

Opportunity vs Risk

Opportunities
  • Stable returns in low-interest environment
  • Potential for capital appreciation
  • Diversification in investment portfolio
  • Regular income through dividends
Risks ⚠️
  • Interest rate fluctuations impact returns
  • Credit risk from underlying assets
  • Market volatility affecting NAV
  • Regulatory changes in mutual funds

Peer Perspective

Bank of India Overnight Fund trades at a slight premium compared to peers like HDFC Overnight Fund and ICICI Overnight Fund. A stabilization in margins could trigger a positive rerating in this segment.

???? Future Outlook

The Bank of India Overnight Fund shows potential for stable returns in the current market environment, provided that effective execution and cost control measures are maintained to navigate any economic fluctuations.
📊 Stock Investment Checklist (100 Points)
Bank of India Overnight Fund(DD-IDCW) • Updated: 2025-10-01 05:04:21
  • 10
    Business
    High
    The sector is evolving with digital transformation but lacks a strong moat.
  • 10
    Growth
    High
    Revenue growth has been inconsistent, with fluctuations in profit margins.
  • 10
    Profitability
    High
    ROE and ROCE are average, with OCF not consistently exceeding net profit.
  • 8
    Valuation
    High
    Valuation metrics are slightly above peers, indicating potential overvaluation.
  • 7
    Balance
    High
    Debt levels are manageable, but liquidity could be improved.
  • 6
    Governance
    Good
    Promoter holding is decent, but there are concerns about transparency.
  • 5
    Drivers
    Good
    Limited growth catalysts identified, with execution risks present.
  • 5
    Technicals
    Good
    Market sentiment is neutral, with low liquidity affecting price action.
Final Score & Verdict
Score 66 / 100 • Decent
The Bank of India Overnight Fund shows potential but faces challenges in growth consistency and valuation metrics.