Bank of India Credit Risk Fund
- NAV as on 25 Sep 2026
- ₹14.47-0.03%1 day
- Return since launch
- 3.2%
- 52-week range
- ₹12.33 — ₹14.48
- AUM
- ₹68.71 Cr
Bank of India Credit Risk Fund is a Credit Risk debt fund from Bank of India Mutual Fund with ₹68.71 Cr under management, launched in 2015. Over three years it has returned 11.8% a year, against 9.0% for its category. The expense ratio is 1.37% and the SEBI riskometer reading is Moderate.
Performance
Bank of India Credit Risk Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +17.3% against +5.9% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 16.7% | +8.8 pts | 7.9% | 6.0% |
| 2Y | 14.0% | +5.5 pts | 8.5% | 6.4% |
| 3Y | 11.8% | +2.8 pts | 9.0% | 6.8% |
| 5Y | 15.9% | +6.8 pts | 9.1% | 6.8% |
| 7Y | 19.0% | +10.3 pts | 8.7% | 6.6% |
| 10Y | 10.7% | +4.5 pts | 6.2% | 6.6% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 0.5% | +0.3 pts | 0.1% | 0.1% |
| 3M | 1.4% | +0.2 pts | 1.2% | 1.0% |
| 6M | 8.8% | +4.1 pts | 4.6% | 3.4% |
| 1Y | 17.3% | +9.4 pts | 7.9% | 5.9% |
| 2Y | 11.5% | +2.4 pts | 9.1% | 6.8% |
| 3Y | 9.6% | +0.6 pts | 9.0% | 7.1% |
| 5Y | 27.4% | +18.2 pts | 9.1% | 6.3% |
| 7Y | 10.6% | +3.4 pts | 7.2% | 6.5% |
| 10Y | 2.1% | −4.0 pts | 6.2% | 6.7% |
Since launch (6 Feb 2015): 3.2%
Calendar-year returns
Category averageShow as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 6.5% | −4.8 pts | 11.3% |
| 2024 | 6.0% | −2.8 pts | 8.7% |
| 2023 | 5.6% | −3.1 pts | 8.7% |
| 2022 | 143.1% | +127.4 pts | 15.7% |
| 2021 | 9.4% | +1.2 pts | 8.2% |
| 2020 | -44.4% | −45.4 pts | 1.0% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
1.36%
Expense ratio as on 25 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.15%
- Brokerage
- 0.01%
- Transaction charges
- 0.00%
- Statutory levies
- 0.20%
- Exit load
- Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 1 Year.
- Lock-in
- None
Terms
- Min SIP
- ₹-1
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- CRISIL Credit Risk Debt B-II Index
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Your principal is treated as being at moderate risk — typically medium duration debt and conservative hybrid schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | — | — | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.88 | 1.77 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 10.16 | 5.58 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 4.11 | 3.17 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 4 category peers | |||
Portfolio
Bank of India Credit Risk Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Debt71.2%
- Other28.8%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 29.51% | ₹20.28 Cr | +1.65% | +1.38% | +1.32% |
| Indian Bank | Financial | 12.17% | ₹8.36 Cr | +9.30% | +9.31% | — |
| Nirma Ltd. | Consumer Staples | 11.67% | ₹8.02 Cr | +9.09% | +9.49% | +9.54% |
| Aditya Birla Real Estate Ltd | Consumer Staples | 10.23% | ₹7.03 Cr | — | +9.47% | +9.51% |
| Vedanta Ltd. | Metals & Mining | 7.37% | ₹5.06 Cr | +5.70% | +9.58% | +9.52% |
| 360 ONE Wealth Ltd. | Financial | 7.30% | ₹5.02 Cr | +4.55% | +4.77% | +4.79% |
| Rashtriya Chemicals and Fertilizers Ltd. | Chemicals | 7.30% | ₹5.01 Cr | +5.67% | +4.78% | +4.82% |
| JSW Steel Ltd. | Metals & Mining | 7.27% | ₹4.99 Cr | +5.65% | +4.75% | +9.50% |
| Nuvoco Vistas Corporation Ltd. | Materials | 7.18% | ₹4.93 Cr | +10.11% | +4.70% | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Birla Corporation Ltd. | 7.14% | 0.00% | -7.14% |
| Manappuram Finance Ltd. | 5.41% | 0.00% | -5.41% |
| Indian Bank | 8.98% | 12.17% | +3.19% |
| Nirma Ltd. | 8.67% | 11.67% | +3.00% |
| Aditya Birla Real Estate Ltd | 7.61% | 10.23% | +2.62% |
| Rashtriya Chemicals and Fertilizers Ltd. | 5.42% | 7.30% | +1.88% |
| Vedanta Ltd. | 5.49% | 7.37% | +1.88% |
| 360 ONE Wealth Ltd. | 5.43% | 7.30% | +1.87% |
| JSW Steel Ltd. | 5.40% | 7.27% | +1.87% |
| Nuvoco Vistas Corporation Ltd. | 5.35% | 7.18% | +1.83% |
| Others | 0.53% | 0.72% | +0.19% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹2,607 Cr | 1.44% | 9.1% | 10.5% | 10.1% |
 ICICI Prudential Credit Risk Fund | ₹6,333 Cr | 1.43% | 7.2% | 8.1% | 7.9% |
 SBI Credit Risk Fund | ₹2,186 Cr | 1.54% | 7.8% | 7.8% | 7.7% |
 Aditya Birla Sun Life Credit Risk Fund | ₹1,600 Cr | 1.60% | 10.1% | 12.4% | 11.3% |
 DSP Credit Risk Fund | ₹310 Cr | 1.20% | 11.3% | 13.8% | 13.7% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The Scheme will invest predominantly in corporate debt securities. There will be no exposure in the portfolio to dated Government Securities and State Development Loans.
Fund managers
- Alok SinghMr. Singh is a CFA and PGDBA from ICFAI Business School.Prior to joining Bank of India AMC he has worked with BNP Paribas Asset Management and Axis Bank
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months8.75% absolute | ₹60,000 | ₹65,250 | 8.75% | |
| 1 year17.33% annualised | ₹1,20,000 | ₹1,31,883 | 9.90% | |
| 3 years9.63% annualised | ₹3,60,000 | ₹4,18,811 | 16.34% | |
| 5 years27.35% annualised | ₹6,00,000 | ₹12,86,013 | 114.34% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.