Bank of India Credit Risk Fund · Regular · Growth
NAV
₹14.4817
as of 29 Sept 2026
Expense Ratio
1.36%
AUM
₹94 Cr
Lumpsum returns (CAGR)
- 1Y
- +17.36%
- 3Y
- +9.64%
- 5Y
- —
- Since Inception
- +3.25%
SIP returns (XIRR)
- 1Y
- +15.74%
- 3Y
- +11.57%
- 5Y
- —
- Since Inception
- +8.44%
Returns calculated from 31 March 2022 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 3 years (Oct 2023 – Sept 2026)
A ₹5,000 monthly SIP for the last 3 years (Oct 2023 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹2,07,354 today — ₹1,75,000 invested, 11.9% XIRR.
₹1,75,000
Invested
₹2,07,354
Value today
11.9%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 3 years (Oct 2023 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 3 years ago would be ₹1,31,691 today (9.7% CAGR).
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 3 years (Oct 2023 – Sept 2026) (3 Jun 2024) would be ₹1,26,070 today (1.26×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised1.17
Sharpe Ratio
—
Alpha
—
Beta
16.87
Sortino
6.08%
Std Dev
-0.12%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Indian Bank (04/12/2026) #12.17%
- 28.5% Nirma Limited (07/04/2027) **11.67%
- 38.35% Aditya Birla Real Estate Limited (30/08/2027) **10.23%
- 49.45% Vedanta Limited (05/06/2028) **7.37%
- 59.40% 360 One Prime Limited (04/03/2027) **7.30%
- 67.99% Rashtriya Chemicals And Fertilizers Limited (07/08/2027) **7.30%
- 78.39% Jsw Steel Limited (13/05/2027) **7.27%
- 87.70% Nuvoco Vistas Corporation Limited (18/09/2028) **7.18%
- 9Corporate Debt Market Development Fund #0.72%
What this fund does
Bank of India Credit Risk Fund · Regular · Growth 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 · Growth 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 ₹94.1 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY Credit Risk Bond Index. The current expense ratio is 1.36%.