Bank of India Credit Risk Fund is a Credit Risk fund run by Bank of India Mutual Fund. On 30-09-2026, it managed ₹74 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 10.0% a year and its Regular plan returned 9.6% a year.
NAV (Direct plan)
₹14.95
▲ 0.03% · 30-10-2026
NAV (Regular plan)
₹14.51
▲ 0.03% · 30-10-2026
Expense ratio
0.61%Direct1.36%Regular
0.61%
A year
Riskometer
Moderately High
Set by the fund house
3 year return
10.0%Direct9.6%Regular
10.0%
A year
Bank of India Credit Risk Fund NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹14.95 (up 0.03% that day); Regular Plan Growth ₹14.51 (up 0.03% that day).
This fund (Direct plan)
₹14.9508
The fall on 24-04-2020 is a real loss, not a unit split. It is part of the returns shown here.
The fall on 31-03-2022 is a real loss, not a unit split. It is part of the returns shown here.
Bank of India Credit Risk Fund Returns vs Credit Risk Funds
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
Trailing returns
Period
1M
3M
6M
1Y
3Y
5Y
10Y
This fund (Direct)
+0.23%
+1.32%
+2.92%
+16.97%
+10.00%
+27.83%
+2.38%
This fund (Regular)
+0.17%
+1.24%
+2.70%
+16.48%
+9.58%
+27.40%
+2.10%
Credit Risk average
−0.04%
+0.78%
+3.31%
+7.84%
+9.41%
+9.83%
+6.82%
Best in Credit Risk
+0.23%
+1.32%
+3.89%
+16.97%
+13.69%
+27.83%
+9.17%
Worst in Credit Risk
−0.17%
+0.35%
+2.76%
+5.00%
+7.09%
+6.26%
+2.38%
Rank in Credit Risk
1/13
1/13
10/13
1/13
4/13
1/12
11/11
Category rows compare the Direct plans of 13 Credit Risk funds. Rank 1 is the highest return. This fund's benchmark is CRISIL Credit Risk Debt B-II Index. Returns of that index are not available to us, so the category average is the comparison.
Bank of India Credit Risk Fund Year-wise Returns
Return of each calendar year
Year
Direct
Regular
2026to date
+15.90%
+15.49%
2025
+6.95%
+6.52%
2024
+6.37%
+6.01%
2023
+5.83%
+5.56%
2022
+143.82%
+143.13%
2021
+9.67%
+9.37%
Bank of India Credit Risk Fund Rolling Returns
The return of every holding period in the fund's history, not only the one that ends today
Rolling returns
Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 2,091 periods, one for each trading day from 09-03-2018 to 30-10-2026.
−40%−20%0%20%40%60%
Bank of India Credit Risk Fund (Direct)
Category average, 13 Credit Risk funds
Nov 2015 to Nov 2018May 2017 to May 2020Oct 2018 to Oct 2021Apr 2020 to Apr 2023Oct 2021 to Oct 2024Feb 2023 to Feb 2026
Bank of India Credit Risk Fund (Direct)Category average, 13 Credit Risk funds
35%
0%
Below 0%
2%
19%
0-5%
27%
80%
5-10%
14%
1%
10-15%
0%
0%
15-20%
0%
0%
20-25%
22%
0%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
2,574
7.2%
−72.2%
150.3%
23%
8.4%
46%
2 years
2,333
6.5%
−47.7%
68.4%
29%
7.4%
42%
3 years
2,091
6.8%
−33.3%
43.7%
35%
7.6%
45%
5 years
1,608
−3.7%
−18.3%
28.1%
64%
6.3%
35%
7 years
1,124
−0.4%
−10.3%
11.6%
72%
6.5%
7%
10 years
397
2.0%
1.8%
2.7%
0%
7.5%
0%
Every SIP holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
128
7.3%
−78.8%
320.8%
23%
8.4%
42%
2 years
116
6.6%
−67.9%
116.6%
28%
7.6%
47%
3 years
104
8.0%
−57.6%
54.7%
33%
7.1%
48%
5 years
80
19.1%
−41.4%
24.7%
31%
6.5%
69%
7 years
56
12.6%
−13.9%
19.2%
2%
6.8%
98%
10 years
20
8.2%
7.4%
10.8%
0%
7.7%
100%
Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat category" counts the periods in which the fund did better than the average of the 13 Credit Risk funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.
Bank of India Credit Risk Fund Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
Bank of India Credit Risk Fund (Direct)This fund
Category average
Return (CAGR)
+16.97%
+7.84%
Standard deviation
7.28%
1.21%
Sharpe ratio
1.61
2.14
Sortino ratio
34.44
3.69
Maximum drawdown
−0.14%
(23-10-2026)
−0.36%
(23-10-2026)
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Bank of India Credit Risk Fund (Direct)This fund
Category average
Return (CAGR)
+10.00%
+9.43%
Standard deviation
4.28%
1.13%
Sharpe ratio
0.93
3.03
Sortino ratio
11.45
6.53
Maximum drawdown
−0.21%
(28-05-2024)
−0.36%
(23-10-2026)
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Bank of India Credit Risk Fund (Direct)This fund
Category average
Return (CAGR)
+27.83%
+8.38%
Standard deviation
54.63%
1.12%
Sharpe ratio
0.40
2.30
Sortino ratio
60.43
4.39
Maximum drawdown
−0.52%
(13-05-2022)
−1.1%
(06-05-2022)
From daily NAVs, 29-10-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Bank of India Credit Risk Fund (Direct)This fund
Category average
Return (CAGR)
+2.38%
+7.15%
Standard deviation
43.26%
1.58%
Sharpe ratio
-0.07
1.11
Sortino ratio
-0.16
1.54
Maximum drawdown
−73.4%
(28-04-2020)
−3.7%
(24-03-2020)
From daily NAVs, 28-10-2016 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Bank of India Credit Risk Fund (Direct)This fund
Category average
Return (CAGR)
+3.49%
+7.65%
Standard deviation
40.09%
1.50%
Sharpe ratio
-0.05
1.35
Sortino ratio
-0.12
1.90
Maximum drawdown
−73.4%
(28-04-2020)
−3.7%
(24-03-2020)
From daily NAVs, 09-03-2015 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
−80%−60%−40%−20%0%
Bank of India Credit Risk Fund (Direct)
Category average, 13 Credit Risk funds
201620182020202220242026
Bank of India Credit Risk Fund (Direct)Category average, 13 Credit Risk funds
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
Bank of India Credit Risk Fund (Direct)
−73.4%
03-09-2018
28-04-2020
30-04-2026
72 months
−0.01%
Category average
−3.7%
14-02-2020
24-03-2020
30-07-2020
4 months
−0.13%
From the Direct plan's daily NAV since 09-03-2015, adjusted for unit splits, and the average of the 13 Credit Risk funds (Direct plans, each weighted the same) over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.
Bank of India Credit Risk Fund vs Other Credit Risk Funds
The five Credit Risk funds with the best three year return, and this fund. Direct plans.
AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.
Bank of India Credit Risk Fund Expense Ratio and Costs
What each plan charges a year, in force from 01-09-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
Credit Risk median
Cost rank (1 = cheapest)
Direct
0.51%
0.01%
0.00%
0.09%
0.61%
0.80%
3/13
Regular
1.15%
0.01%
0.00%
0.20%
1.36%
1.51%
2/13
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Credit Risk funds' plans of the same type are sorted from the lowest total expense ratio to the highest.
Direct vs Regular: what the gap cost
Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.
Over the last
Regular
Direct
Direct earned more by
₹1 lakh became (Regular)
₹1 lakh became (Direct)
1 year
16.48%
16.97%
0.49%
₹1,16,480
₹1,16,970
3 years
9.58%
10.00%
0.42% a year
₹1,31,581
₹1,33,100
5 years
27.40%
27.83%
0.43% a year
₹3,35,619
₹3,41,322
10 years
2.10%
2.38%
0.28% a year
₹1,23,100
₹1,26,518
Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.
Bank of India Credit Risk Fund SIP Calculator
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
Step up each year
PeriodFor
₹10,000 on the first trading day of every month, from 09-03-2015 to 30-10-2026: 140 instalments, ₹14,00,000 in all.
Investment
Invested
Value now
Gain
Return a year
Direct planBank of India Credit Risk Fund (Direct)
₹14,00,000
₹23,80,818
₹9,80,818
8.7%
Regular planBank of India Credit Risk Fund (Regular)
Direct planBank of India Credit Risk Fund (Direct)Regular planBank of India Credit Risk Fund (Regular)Category averageCategory average, 13 Credit Risk fundsAmount invested
From each plan's published NAV (Growth option) and the category average, over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Bank of India Credit Risk Fund Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
74.3%Debt
Asset
Fund
Category
Debt
74.3%
79.5%
Cash and others
25.7%
20.5%
Credit rating
Bonds and money market papers by credit rating, % of the fund. Category: the average of 13 Credit Risk funds.
Rating
Fund
Category
AA
74.3%
56.7%
Bank of India Credit Risk Fund Portfolio Holdings
As on 30-09-2026 · 10 holdings · from the fund house's monthly portfolio
Holdings
Rating
Weight%
8.5% Nirma Limited (07/04/2027) · Bond
CRISIL AA
10.78%
8.35% Aditya Birla Real Estate Limited (30/08/2027) · Bond
CRISIL AA
9.43%
9.40% 360 One Prime Limited (04/03/2027) · Bond
ICRA AA
9.32%
8.65% Aadhar Housing Finance Limited (20/08/2027) · Bond
ICRA AA+
9.19%
8.60% Manappuram Finance Limited (24/03/2028) · Bond
CRISIL AA
8.70%
9.45% Vedanta Limited (05/06/2028) · Bond
CRISIL AA+
6.80%
7.99% Rashtriya Chemicals and Fertilizers Limited (07/08/2027) · Bond
ICRA AA
6.73%
8.39% JSW Steel Limited (13/05/2027) · Bond
ICRA AA+
6.71%
7.70% Nuvoco Vistas Corporation Limited (18/09/2028) · Bond
CRISIL AA
6.66%
Corporate Debt Market Development Fund
0.67%
Bank of India Credit Risk Fund Portfolio Overlap
Funds with the most similar portfolios, across every fund house and category
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
Bank of India Credit Risk Fund Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
0.61%
Expense ratio (Regular)
1.36%
Category
Credit Risk
Risk
Moderately High
Benchmark
CRISIL Credit Risk Debt B-II Index
Launch date
27-02-2015
Minimum investment
₹5,000
Minimum additional investment
₹1,000
AUM
₹74.33 Cr (30-09-2026)
Lock in
None
Scheme code (Direct)
133868
ISIN (Direct)
INF761K01DG8
Scheme code (Regular)
133867
ISIN (Regular)
INF761K01DH6
NAV history
From 09-03-2015, 11.6 years
Exit load
Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 1 Year.
Tax on Bank of India Credit Risk Fund returns
Bank of India Credit Risk Fund is taxed as a debt fund: 65% or more of it is in bonds and money market papers.
For units bought on or after 01-04-2023, the gain is added to your income and taxed at your slab rate, however long you hold the units.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
All plans and options
Plan
Option
NAV
As on
direct
Growth
₹14.9508
30-10-2026
regular
Growth
₹14.5128
30-10-2026
About Bank of India Credit Risk Fund
Bank of India Credit Risk Fund is a mutual fund from Bank of India Mutual Fund. Its category is Credit Risk. It was launched on 27-02-2015. Its benchmark is CRISIL Credit Risk Debt B-II Index. At the end of September 2026 it held 10 securities.
Fund Manager
Alok Singh
Fund manager of Bank of India Credit Risk Fund, since 27-02-2015
Frequently Asked Questions for Bank of India Credit Risk Fund
What is the current NAV of Bank of India Credit Risk Fund?
The Direct plan NAV is ₹14.9508. The Regular plan NAV is ₹14.5128, as on 30-10-2026.
What are the returns of Bank of India Credit Risk Fund?
The Direct plan returned +16.97% in 1 year, +10.00% a year over 3 years, +27.83% a year over 5 years. The Regular plan returned +16.48% in 1 year, +9.58% a year over 3 years, +27.40% a year over 5 years. These figures are as on 30-10-2026.
What is the expense ratio of Bank of India Credit Risk Fund?
The Direct plan charges 0.61% a year. The Regular plan charges 1.36% a year. This is the figure the fund house reported to AMFI, in force from 01-09-2026.
What is the AUM of Bank of India Credit Risk Fund?
Bank of India Credit Risk Fund managed ₹74.33 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of Bank of India Credit Risk Fund?
At the end of September 2026 the largest holdings were 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%). The fund held 10 securities in all.
How do I invest in Bank of India Credit Risk Fund?
Through Bank of India Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹5,000. You can invest once or through a monthly SIP.
Who is the fund manager of Bank of India Credit Risk Fund?
Alok Singh (since 27-02-2015).
What is the exit load of Bank of India Credit Risk Fund?
Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 1 Year.
Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.
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