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Mutual FundsBank of India Credit Risk Fund Direct - Growth

B

Bank of India Credit Risk Fund Direct - Growth

DebtCredit Risk Fund

5 Year Absolute Returns

220.60%profit

NAV (₹) on 24 Sep 2025

12.6445

1 Day NAV Change

+0.00%

2

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About Fund

Bank of India Credit Risk Fund Direct - Growth is a Debt mutual fund scheme launched on 27 Feb 2015. Investors can begin their investment journey with a minimum SIP of ₹1,000 or a lumpsum investment of ₹5,000.

NAV

NIFTY50

Returns Calculator

Based on Annualised Returns

Investment Type

SIP Amount

Investment Period

5Y

₹ 32.73 L

3.50%

₹ 61.48 L

25.86%

₹ 62.19 L

26.24%

Savings Account
Regular Funds
This Fund on Dhan

Total Investment

₹ 30,00,000

Returns

₹ 32,18,722 (107.29%)

Maturity Value

₹ 62,18,722

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Disclaimer: Fixed deposits offer guaranteed returns. Mutual fund investments carry market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns.

Direct vs Regular Returns

This FundExp. Ratio1M 3M 6M 1Y 3Y 5Y
Direct0.98%0.40%1.20%3.43%6.41%19.73%220.60%
Regular1.38%0.36%1.10%3.23%6.01%18.58%215.76%
View All Schemes Comparisonarrow

Returns Comparison

This Fund & Category1W 1M3M6M1Y3Y5Y
Bank of India Credit Risk Fund Direct - Growth
0.10%0.40%1.20%3.43%6.41%19.73%220.60%
Category Average0.12%0.66%1.51%5.22%11.29%31.51%64.81%
Minimum Category Returns-0.04%0.19%-0.10%0.72%4.58%24.85%37.55%
Maximum Category Returns0.21%0.84%2.42%15.69%22.64%40.85%64.76%

*The above returns are absolute.

Returns Vs Nifty 50

Name1 Month3 Month6 Month1 Year3 Year5 Year
This Fund0.40%1.20%3.43%6.41%19.73%220.60%
Nifty 50-0.31%-1.4%5.16%-4.28%46.28%125.25%

*The above table contains absolute returns.

Historical Returns

Year
JanFebMarAprMayJunJulAugSepOctNovDecAnnually

2025

0.44%0.40%0.93%0.55%0.51%0.40%0.43%0.33%0.32%NANANA4.81%

2024

0.43%1.41%0.62%0.37%0.19%0.40%0.52%0.42%0.47%0.49%0.36%0.26%6.31%

2023

0.34%0.25%0.56%0.59%0.49%0.37%0.47%0.45%0.48%0.39%0.42%0.47%5.80%

2022

5.74%0.55%123.00%0.11%-0.33%0.34%0.55%0.47%0.04%0.32%0.59%0.40%143.77%

2021

0.35%0.28%3.22%0.95%1.64%0.27%0.19%0.52%0.37%0.08%0.11%0.21%9.65%

2020

1.18%4.17%0.60%-51.82%1.01%0.79%4.06%0.41%0.48%0.66%0.50%0.20%-44.30%

2019

0.49%0.42%0.87%-0.86%-5.72%-43.83%1.01%0.55%-3.59%2.43%1.15%-0.03%-45.09%

2018

0.45%0.46%1.38%-0.11%0.54%0.64%0.87%0.57%-1.65%-5.54%0.57%1.23%-0.20%

2017

1.02%0.58%0.77%0.55%0.91%1.10%1.01%0.54%0.38%0.48%0.72%0.21%9.27%

2016

0.53%0.46%1.30%0.57%1.22%0.75%0.81%0.94%1.17%0.52%1.16%0.05%11.30%

2015

NA0.00%0.41%0.38%0.56%0.53%0.92%0.73%1.00%0.94%0.46%0.51%7.55%
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Historical NAV
10 Days
1 Month
3 Months
6 Months
1 Year
3 Years
5 Years
High : 12.6445
Low : 12.6294
Dayarrow
NAV (in ₹)
Change (in ₹)
Change (in %)
24 Sept 202512.64450.0035
0.03% profit
23 Sept 202512.64100.0007
0.01% profit
22 Sept 202512.64030.0057
0.05% profit
19 Sept 202512.63460.0004
0.00% profit
18 Sept 202512.63420.0024
0.02% profit
17 Sept 202512.63180.0024
0.02% profit
16 Sept 202512.62940.0030
0.02% profit
Total 7 results
No DataDownload CSV

Historical AUM

ParametersJanFebMarAprMayJunJulAugSep
AUM (in Cr.)114114110110110107106105106
Change -1-0-3-0-0-3-1-00
Change %-0.53%-0.24%-3.07%-0.27%-0.21%-2.31%-1.3%-0.12%0.08%

Asset Allocation

AUM

₹105.56 Cr

Cash Holding

48.18%

Equity

1.00%

Cash

48.18%

Debt

51.38%

Other

0.45%

Sector Holdings

as of 15 Sep 2025

SectorsWeightage
Other100.00%

Stock Holdings

as of 15 Sep 2025

NameWeightage

R

Repo

28.59%

N

Net Receivables / (Payables)

10.85%

N

NIRMA

9.52%

A

Aditya Birla Real Estate Limited

9.50%

V

Vedanta Limited

9.49%

J

JSW Steel Limited

9.48%

M

Manappuram Finance Limited

8.53%

7

799RCFL27

4.82%

3

360 One Prime Limited

4.78%

3

360 One Prime Limited

3.80%

C

Corporate Debt Market Development Fund #

0.45%

T

Treps

0.21%

A

Axis Bank Limited

0.00%

Fund Comparison

Fund Details

52W High NAV

₹ 12.6445

Min. SIP Amount

₹ 1,000.00

Min. Lumpsum Amount

₹ 5,000.00

AUM (in Cr.)

₹ 105.56

Expense Ratio

0.98%

Lock-in Period

No Lock in Period

52W Low NAV

₹ 11.8865

Inception Date

27 Feb 2015

Fund Age

10 Yrs

Benchmark

CRISIL Credit Risk Debt B-II Index

Scheme Type

Open Ended

Stamp Duty

0.005% (from July 1st 2020)

Exit Load

  • 4.00% If Redeemed/switched Out Within 12 Months From The Date Of Allotment.
  • 3.00% If Redeemed/switched Out After 12 Months But Within 24 Months From The Date Of Allotment.
  • 2.00% If Redeemed/switched Out After 24 Months But Within 36 Months From The Date Of Allotment.

Tax Implication

  • Returns to be taxed as per your normal Income Tax slab.

Fund Managers

Alok Singh

Name

Alok Singh

Qualification

PGDBA, CFA

Fund 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.

Risk-O-Meter

Investors understand that their principal will be at

Moderately High Risk

Risk Scale

Low

Moderately Low

Moderate

Moderately High

High

Very High

AMC Information

Bank of India Mutual Fund

Funds Managed

20

Assets Managed (₹ Cr)

₹ 13,161.59

Contact Details

telephone 022 - 61249000

Registered Address

locate

B/204, Tower 1,Peninsula CorporatePark, Ganpatrao kadam marg,Lower Parel, Mumbai - 400013

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FAQs

Bank of India Credit Risk Fund was launched on 27 Feb 2015.
The current NAV of Bank of India Credit Risk Fund is ₹12.6445 as of 24 Sep 2025.
The latest value of AUM of Bank of India Credit Risk Fund is ₹105.56 crores as of 24 Sep 2025.
The return on investment of Bank of India Credit Risk Fund is:
  • In the past 1Y: 6.41%
  • In the past 3Y: 6.19%
  • In the past 5Y: 26.24%
The expense ratio of Bank of India Credit Risk Fund is 0.98%.
The exit load of Bank of India Credit Risk Fund is as follows:
4.00% If Redeemed/switched Out Within 12 Months From The Date Of Allotment.|3.00% If Redeemed/switched Out After 12 Months But Within 24 Months From The Date Of Allotment.|2.00% If Redeemed/switched Out After 24 Months But Within 36 Months From The Date Of Allotment.|nil
On the risk scale of Low, Moderately Low, Moderate, Moderately High, High and Very High, the risk-o-meter of Bank of India Credit Risk Fund is Moderately High.
The fund manager of Bank of India Credit Risk Fund is Alok Singh.
If you wish to invest in Bank of India Credit Risk Fund, the minimum SIP amount is ₹1,000 and Lumpsum is ₹5,000.
You can easily invest in mutual funds at 0% commission on Dhan. Here's how you can directly invest in Bank of India Credit Risk Fund:
  • Open Demat Account on Dhan if you don't have one.
  • Analyze the fund performance.
  • Invest via SIP or Lumpsum.
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