Bank of India Credit Risk Fund · Regular · Growth
NAV
₹14.3400
as of 31 Jul 2026
Expense Ratio
1.52%
AUM
₹94 Cr
Lumpsum returns (CAGR)
- 1Y
- +17.03%
- 3Y
- +9.61%
- 5Y
- —
- Since Inception
- +3.21%
SIP returns (XIRR)
- 1Y
- +18.59%
- 3Y
- +11.87%
- 5Y
- —
- Since Inception
- +8.49%
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 (Aug 2023 – Jul 2026)
A ₹5,000 monthly SIP for the last 3 years (Aug 2023 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹2,08,522 today — ₹1,75,000 invested, 12.3% XIRR.
₹1,75,000
Invested
₹2,08,522
Value today
12.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 3 years (Aug 2023 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 3 years ago would be ₹1,31,672 today (9.6% CAGR).
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 3 years (Aug 2023 – Jul 2026) (3 Jun 2024) would be ₹1,24,882 today (1.25×).
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
17.98
Sortino
6.07%
Std Dev
-0.12%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 19.45% Vedanta Limited (05/06/2028)9.64%
- 29.10% Manappuram Finance Limited (19/08/2026) **9.57%
- 3Indian Bank (05/06/2026) #9.50%
- 49.40% 360 One Prime Limited (04/03/2027) **4.80%
- 57.99% Rashtriya Chemicals And Fertilizers Limited (07/08/2027) **4.79%
- 68.39% Jsw Steel Limited (13/05/2027) **4.77%
- 77.70% Nuvoco Vistas Corporation Limited (18/09/2028) **4.72%
- 8Corporate Debt Market Development Fund #0.46%
Investment Objective
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 1.52%.
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