BANK OF INDIA Credit Risk Fund - Regular Plan
₹14.1623
₹0.01 (+0.06%)
NAV as of 29 May 2026
Today's NAV — all variants
Regular · Growth
₹₹14.1623
₹0.01 (+0.06%)
29 May 2026
AMFI: 133867
Direct · Growth
₹₹14.5638
₹0.01 (+0.07%)
29 May 2026
AMFI: 133868
Returns (Lumpsum)
CAGR for periods ≥ 1 yearReturns calculated from 31 March 2022 onwards due to a structural change in the scheme on that date. Pre-2022 NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
SIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹500/month became
Real NAV backtest from day one
₹67,500
Invested
₹1,11,576
Value today
8.6%
XIRR (p.a.)
₹500/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹1,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹1,000
Invested
₹1,416
Value today
3.1%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹6,75,000
Withdrawn
₹3,00,470
Corpus left
₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,89,434
Value today
1.9×
Multiple
Staying invested through that crash turned ₹1L into ₹1,89,434 — a 1.9× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 10 years
Expense ratio drag on your actual returns
Direct plan
₹1,03,767
Regular plan
₹1,02,112
Direct earns ₹1,655 more on a ₹60K investment — 0.28% extra return per year
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised1.10
Sharpe Ratio
—
Alpha
—
Beta
16.72
Sortino
6.08%
Std Dev
-0.13%
Max Drawdown
Portfolio Holdings
Top 18 holdings · as of Mar 2026
| Security | % NAV |
|---|---|
9.45% Vedanta Limited (05/06/2028) ** INE205A08053 | 10.03% |
9.10% Manappuram Finance Limited (19/08/2026) ** INE522D07CH7 | 9.98% |
8.1% Aditya Birla Real Estate Limited (25/04/2026) ** INE055A08037 | 9.97% |
8.4% Nirma Limited (07/04/2026) ** INE091A07216 | 9.97% |
9.45% Vedanta Limited (05/06/2028) INE205A08053 | 9.64% |
9.10% Manappuram Finance Limited (19/08/2026) ** INE522D07CH7 | 9.57% |
7.99% Rashtriya Chemicals and Fertilizers Limited (07/08/2027) ** INE027A08028 | 5.00% |
9.40% 360 One Prime Limited (04/03/2027) ** INE248U07FU9 | 5.00% |
8.39% JSW Steel Limited (13/05/2027) ** INE019A08058 | 4.97% |
7.70% Nuvoco Vistas Corporation Limited (18/09/2028) ** INE118D08078 | 4.93% |
9.40% 360 One Prime Limited (04/03/2027) ** INE248U07FU9 | 4.80% |
7.99% Rashtriya Chemicals and Fertilizers Limited (07/08/2027) ** INE027A08028 | 4.79% |
8.39% JSW Steel Limited (13/05/2027) ** INE019A08058 | 4.77% |
7.70% Nuvoco Vistas Corporation Limited (18/09/2028) ** INE118D08078 | 4.72% |
| Security | % NAV |
|---|---|
Indian Bank (05/06/2026) ** # INE562A16PZ4 | 9.85% |
Indian Bank (05/06/2026) # INE562A16PZ4 | 9.50% |
Corporate Debt Market Development Fund # INF0RQ622028 | 0.48% |
Corporate Debt Market Development Fund # INF0RQ622028 | 0.46% |
Performance Comparison
Interested in This Fund?
Our experts will help you decide if this fund fits your goals.
Investment Objective
BANK OF INDIA Credit Risk Fund - Regular Plan by Bank of India Mutual Fund is a Credit Risk fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Credit Risk category.
About This Fund
BANK OF INDIA Credit Risk Fund - Regular Plan is a Credit Risk mutual fund offered by Bank of India Mutual Fund. The fund has been operational for over 11 years. It manages assets worth ₹106 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY Credit Risk Bond Index. The current expense ratio is 1.52%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations