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Bank Of India Credit Risk Fund - Regular Plan - Growth

BANK OF INDIA MUTUAL FUND Debt Debt Credit Risk

Fund Performance

Historical NAV

Fund Facts

Moderate Risk

Latest NAV · 2026-11-03

₹14.53 +0.01%

Fund Size (AUM): 74.33 Cr
Expense Ratio · Regular: 1.36%
Risk Level: Moderate
Exit Load: • If redeemed/ switched-out within 1 year from the date of allotment: - For 10% of investments: Nil - For remaining investments:1% • If redeemed/ switched-out after 1 year from the date of allotment: Nil
Asset Management Company: BANK OF INDIA MUTUAL FUND

SIP Returns

Historical performance of a ₹1,000 monthly SIP

Historical data

Investment Period	SIP Start Date	Amount Invested	Current Value	Absolute Return
One Week	2026-10-27	₹1,000.00	₹1,001.39	+0.14%
Two Week	2026-10-19	₹1,000.00	₹1,000.63	+0.06%
One Month	2026-10-05	₹1,000.00	₹1,001.57	+0.16%
Three Months	2026-08-05	₹3,000.00	₹3,019.47	+0.65%
Six Months	2026-05-07	₹6,000.00	₹6,084.34	+1.41%
One Year	2025-11-03	₹12,000.00	₹12,856.27	+7.14%
Three Year	2023-11-06	₹36,000.00	₹42,760.21	+18.78%
Five Year	2021-11-08	₹60,000.00	₹85,326.66	+42.21%
Ten Year	2016-11-07	₹120,000.00	₹207,163.91	+72.64%
Since Inception	2015-02-27	₹143,000.00	₹239,707.49	+67.63%

Past returns are historical, not guaranteed. SIP values depend on the dates and NAVs used.

Return Calculator

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SIP Amount

₹1,000₹50,000

Investment Duration

Projection uses the selected fund return as an annualized assumption. It does not predict future performance.

Estimated Investment Summary

Investment

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Maturity Value

₹0

Abs. Returns

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Assumed Annual Return

Illustrative values only. Market returns are not fixed or guaranteed.

Portfolio Allocation

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Equity

N/A

Debt

N/A

Others

N/A

Sector Allocation

Distribution across different sectors

CRISIL AA 35.57%

Other 25.68%

ICRA AA 16.05%

ICRA AA+ 15.90%

CRISIL AA+ 6.80%

Top Holdings

Company-wise portfolio exposure

8.5% Nirma Limited (07/04/2027) ** 10.78%

8.35% Aditya Birla Real Estate Limited (30/08/2027) ** 9.43%

9.40% 360 One Prime Limited (04/03/2027) 9.32%

8.65% Aadhar Housing Finance Limited (20/08/2027) ** 9.19%

8.60% Manappuram Finance Limited (24/03/2028) ** 8.70%

9.45% Vedanta Limited (05/06/2028) ** 6.80%

7.99% Rashtriya Chemicals and Fertilizers Limited (07/08/2027) ** 6.73%

8.39% JSW Steel Limited (13/05/2027) ** 6.71%

7.70% Nuvoco Vistas Corporation Limited (18/09/2028) 6.66%

Corporate Debt Market Development Fund # 0.67%

TREPS 22.29%

Net Receivables / (Payables) 2.72%

Risk Ratios & Analysis

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Standard Deviation

N/A

Return volatility

Beta

N/A

Benchmark sensitivity

Sharpe Ratio

N/A

Risk-adjusted return

↗

Lock-in Period

N/A

Redemption restriction

◷

Residual Maturity

0.75 Years

Time to maturity

Scheme Riskometer

Published risk classification for this scheme

Principal risk level

Investors understand that their principal will be at

Moderate Risk

Low

Low to Moderate

Moderate

Moderately High

High

Very High

Riskometer is a scheme risk classification, not a prediction of future performance.

Peer Comparison

Compare similar mutual funds by performance, fundamentals and risk.

Fund Name	1Y Return	3Y Return	Since Inception
Aditya Birla Sun Life Credit Risk Fund - Gr - Regular Plan	10.46%	11.96%	8.43%
DSP Credit Risk Fund - Regular Plan - Growth	9.57%	12.81%	7.55%
Nippon India Credit Risk Fund - Institutional Plan - Growth	7.24%	8.26%	7.25%
SBI Credit Risk Fund - Regular Plan - Growth	6.64%	7.66%	6.16%
Axis Credit Risk Fund - Regular Plan - Growth	6.61%	7.82%	7.18%
ICICI Prudential Credit Risk Fund - Regular Plan - Growth	6.32%	8.09%	8.16%
Nippon India Credit Risk Fund - Regular Plan - Growth	6.25%	7.90%	6.46%
HDFC Credit Risk Fund - Regular Plan - Growth	5.86%	7.44%	7.87%
Invesco India Credit Risk Fund - Regular Plan - Growth	5.84%	7.54%	6.21%
Kotak Credit Risk Fund - Regular Plan - Growth	5.23%	7.29%	7.26%

Fund Name	AUM	Expense Ratio
Aditya Birla Sun Life Credit Risk Fund - Gr - Regular Plan	N/A	0.80%
DSP Credit Risk Fund - Regular Plan - Growth	N/A	0.43%
Bandhan Credit Risk Fund - Regular Plan - Growth	N/A	0.67%
HDFC Credit Risk Fund - Regular Plan - Growth	N/A	1.01%
Kotak Credit Risk Fund - Regular Plan - Growth	N/A	0.81%
SBI Credit Risk Fund - Regular Plan - Growth	N/A	0.90%
HSBC Credit Risk Fund - Regular Plan - Growth	N/A	0.84%
ICICI Prudential Credit Risk Fund - Regular Plan - Growth	N/A	0.80%
Nippon India Credit Risk Fund - Regular Plan - Growth	N/A	0.61%
Nippon India Credit Risk Fund - Institutional Plan - Growth	N/A	0.61%

Fund Name	Std. Deviation	Beta	Sharpe Ratio
Aditya Birla Sun Life Credit Risk Fund - Gr - Regular Plan	N/A	N/A	N/A
DSP Credit Risk Fund - Regular Plan - Growth	N/A	N/A	N/A
Bandhan Credit Risk Fund - Regular Plan - Growth	N/A	N/A	N/A
HDFC Credit Risk Fund - Regular Plan - Growth	N/A	N/A	N/A
Kotak Credit Risk Fund - Regular Plan - Growth	N/A	N/A	N/A
SBI Credit Risk Fund - Regular Plan - Growth	N/A	N/A	N/A
HSBC Credit Risk Fund - Regular Plan - Growth	N/A	N/A	N/A
ICICI Prudential Credit Risk Fund - Regular Plan - Growth	N/A	N/A	N/A
Nippon India Credit Risk Fund - Regular Plan - Growth	N/A	N/A	N/A
Nippon India Credit Risk Fund - Institutional Plan - Growth	N/A	N/A	N/A

Returns are historical and do not guarantee future performance.

View All Debt Credit Risk Funds

Fund Family

Compare schemes from BANK OF INDIA MUTUAL FUND by performance, fundamentals and risk.

Fund Name	1Y Return	3Y Return	Since Inception
Bank Of India Credit Risk Fund - Regular Plan - Growth	16.56%	9.58%	3.25%
Bank Of India Small Cap Fund - Regular Plan - Growth	16.04%	16.92%	24.23%
Bank Of India Manufacturing And Infrastructure Fund - Regular Plan - Growth	9.54%	19.17%	11.86%
Bank Of India Liquid Fund - Regular Plan - Growth	6.48%	6.93%	6.68%
Bank Of India Liquid Fund - Regular Plan - Growth	6.45%	0.00%	6.30%
Bank Of India Aggressive Hybrid Fund - Regular Plan - Growth	6.25%	13.52%	14.64%
Bank Of India Arbitrage Fund - Regular Plan - Growth	6.01%	6.21%	4.84%
Bank Of India Money Market Fund - Regular Plan - Growth	5.99%	0.00%	6.56%
Bank Of India Ultra Short Term Fund - Regular Plan - Growth	5.75%	0.00%	5.62%
Bank Of India Overnight Fund - Regular Plan - Growth	5.48%	0.00%	5.49%

Fund Name	AUM	Expense Ratio
Bank Of India Short Term Fund - Regular Plan - Growth	N/A	0.54%
Bank Of India Aggressive Hybrid Fund - Regular Plan - Growth	N/A	0.86%
Bank Of India Flexi Cap Fund - Regular Plan - Growth	N/A	0.85%
Bank Of India Business Cycle Fund - Regular Plan - Growth	N/A	1.36%
Bank Of India Conservative Hybrid Fund - Regular Plan - Growth	N/A	1.18%
Bank Of India Conservative Hybrid Fund - Regular Plan - Growth	N/A	1.20%
Bank Of India Large And Mid Cap Fund - Regular Plan - Growth	N/A	1.43%
Bank Of India Ultra Short Term Fund - Regular Plan - Growth	N/A	0.42%
Bank Of India Credit Risk Fund - Regular Plan - Growth	N/A	0.61%
Bank Of India Balanced Advantage Fund - Regular Plan - Growth	N/A	1.36%

Fund Name	Std. Deviation	Beta	Sharpe Ratio
Bank Of India Short Term Fund - Regular Plan - Growth	N/A	N/A	N/A
Bank Of India Aggressive Hybrid Fund - Regular Plan - Growth	N/A	1.1	0.6
Bank Of India Flexi Cap Fund - Regular Plan - Growth	N/A	1.08	0.61
Bank Of India Business Cycle Fund - Regular Plan - Growth	N/A	N/A	N/A
Bank Of India Conservative Hybrid Fund - Regular Plan - Growth	N/A	N/A	N/A
Bank Of India Conservative Hybrid Fund - Regular Plan - Growth	N/A	N/A	N/A
Bank Of India Large And Mid Cap Fund - Regular Plan - Growth	N/A	1.01	0.35
Bank Of India Ultra Short Term Fund - Regular Plan - Growth	N/A	N/A	N/A
Bank Of India Credit Risk Fund - Regular Plan - Growth	N/A	N/A	N/A
Bank Of India Balanced Advantage Fund - Regular Plan - Growth	N/A	N/A	N/A

Returns are historical and do not guarantee future performance.

View All BANK OF INDIA MUTUAL FUND Funds

Scheme Objective

The investment mandate and purpose of this scheme

The Scheme’s investment objective is to generate capital appreciation over the long term by investing predominantly in corporate debt across the credit spectrum within the universe of investment grade rating. To achieve this objective, the Scheme will seek to make investments in rated, unrated instruments and structured obligations of public and private companies. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.

Scheme Details

Investment requirements and key fund information

Fund Information

Min. SIP Amount: N/A
Min. Lumpsum Amount: N/A
AUM (in Cr.): N/A
Expense Ratio (Regular): 1.36%
Expense Ratio (Direct): 0.61%
Lock-in Period: N/A
Fund Age: N/A
Benchmark: CRISIL Credit Risk Debt B-II Index

Exit Load

Charges that may apply when you redeem units

• If redeemed/ switched-out within 1 year from the date of allotment: - For 10% of investments: Nil - For remaining investments:1% • If redeemed/ switched-out after 1 year from the date of allotment: Nil

Top AMC/Fund Houses

Aditya Birla Sun Life Mutual Fund

view all

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