BANK OF INDIA Credit Risk Fund - Regular Plan

Debt: Credit Risk Open Ended Scheme
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NAV
₹ 12.1496 ₹ 0 (0.01 %)
as on 30-05-2025
Asset Size (AUM)
109.76 Cr
Launch Date
Feb 27, 2015
Invest in this scheme
Investment Objective
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.
Minimum Investment 5000.0
Minimum Top-up 5000.0
Investment Returns Since Launch in Feb 27, 2015
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1.89

%
3 M
6 M
1 Y
3 Y
10 Y
Inception
Sharp Ratio
0.6 %
Expense Ratio
1.52%
Volatility
70.74 %
Fund House
Bank of India Mutual Fund
Fund Manager
Mr.Alok Singh
Key Features
Scheme description
This fund has low risk compared to hybrid funds. It invests minimum of 65% of its assets in coroprate bonds in below highest rated instruments. It is suitable for investors with moderate risk taking ability wanting to earn bit higher over other debt funds. Minimum investment horizon can be few years.
Minimum Purchase Application Amount
Rs. 5000.0 (plus in multiples of Rs. 5000.0)
Entry Load
Not applicable
Exit Load
• 4% if redeemed within 12 months from the date of allotment • 3% if redeemed after 12 months but within 24 months from the date of allotment. • 2% if redeemed after 24 months but within 36 months from the date of allotment. • Nil if redeemed after 36 months from the date of allotment
Indicative Investment Horizon
5 Years and above
Asset Allocation
Fund's historical return comparison with other asset classes
Fund Performance
Fund's historical return comparison with other asset classes
Profile
Credit Quality Porfolio (%)
SOV -
AAA 9.02
AA 68.68
A -
BBB -
Below BBB -
D -
Note: AAA includes A1, A includes A2, BBB includes A3.
Scheme Category % of Change
month-on-month
Duration 0.45 2.1 -0.04
Maturity 0.53 2.93 -0.05
YTM 7 8.32 -0.01
Other Schemes of the Same Category
BANK OF INDIA Credit Risk Fund - Regular Plan
Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth
Invesco India Credit Risk Fund - Regular Plan - Growth
Nippon India Credit Risk Fund - Growth Plan
ICICI Prudential Credit Risk Fund - Growth
Baroda BNP Paribas Credit Risk Fund -Regular-Growth Option
Axis Credit Risk Fund - Regular Plan - Growth
HDFC Credit Risk Debt Fund - Growth Option
UTI Credit Risk Fund - Regular Plan - Growth Option
SBI Credit Risk Fund - Regular Plan - Growth
Performance

Scheme Performance (%)

Data as on - 30-05-2025

Yearly Performance (%)

NAV Movement

Investment Returns Calculator
Rolling returns are the annualized returns of the scheme taken for a specified period (rolling returns period) on every day/week/month and taken till the last day of the duration. In this chart we are showing the annualized returns over the rolling returns period on every day from the start date and comparing it with the benchmark. Rolling returns is the best measure of a fund's performance. Trailing returns have a recency bias and point to point returns are specific to the period in consideration. Rolling returns, on the other hand, measures the fund's absolute and relative performance across all timescales, without bias.
Peer Comparison
Scheme Name Inception Date 1 Year Return % 2 Year Return % 3 Year Return % 5 Year Return % 10 Year Return %
BANK OF INDIA Credit Risk Fund - Regular Plan 27-02-2015 5.88 6.1 5.8 26.88 1.78
Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth 05-04-2015 17.62 12.02 11.17 9.8 8.2
Invesco India Credit Risk Fund - Regular Plan - Growth 04-09-2014 10.95 9.46 9.38 6.94 6.0
Nippon India Credit Risk Fund - Growth Plan 01-06-2005 9.72 8.6 8.12 8.96 6.11
ICICI Prudential Credit Risk Fund - Growth 05-12-2010 9.58 8.6 8.01 7.66 7.86
Baroda BNP Paribas Credit Risk Fund -Regular-Growth Option 23-01-2015 9.4 8.38 7.9 10.51 7.87
Axis Credit Risk Fund - Regular Plan - Growth 15-07-2014 9.28 8.08 7.65 7.05 6.9
HDFC Credit Risk Debt Fund - Growth Option 05-03-2014 9.28 8.03 7.59 7.74 7.74
UTI Credit Risk Fund - Regular Plan - Growth Option 10-11-2012 9.06 7.78 7.26 7.51 3.08
SBI Credit Risk Fund - Regular Plan - Growth 01-07-2004 8.82 8.0 8.02 7.35 7.47
Portfolio Analysis
Portfolio as on
Sector Allocation
Sector Allocation (%)
Portfolio Holdings
Company Allocation (%)
Sector Allocation
Portfolio Holdings