Fund Overview of Bank Of India Credit Risk Fund Regular-growth
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₹105.6 CrAUM
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₹12.42NAV
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1.52%Expense Ratio
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DebtFund Category
Returns of Bank Of India Credit Risk Fund Regular-growth
| Tenure | Absolute(%) | Annualised(%) | Category Average(%) |
|---|---|---|---|
| 3 Months | 1.11% | NA | 1.56% |
| 6 Months | 3.36% | NA | 6.78% |
| 1 Year | 6.02% | 6.02% | 11.50% |
| 2 Years | 12.37% | 6.01% | 10.29% |
| 3 Years | 18.28% | 5.76% | 9.30% |
| 5 Years | 215.70% | 25.85% | 10.13% |
| 7 Years | -10.26% | -1.53% | NA |
| 10 Years | 17.94% | 1.66% | 7.32% |
Asset Allocation
debt instruments
67.08%other assets or cash equivalents
32.92%Bank Of India Credit Risk Fund Regular-growth is one Debt mutual fund offered by Bank of India Mutual Fund. Launched on 27 Feb 2015, the fund aims Long term capital appreciation. Investment primarily in corporate debt securities with medium to long term maturities across the credit spectrum within the universe of investment grade rating. It manages assets worth ₹105.6 crore as on Thu Jul 31, 2025. The expense ratio stands at 1.52%. Fund Manager Manager EducationAbout Bank Of India Credit Risk Fund Regular-growth
The portfolio allocation consists of 67.08% in debt instruments, 32.92% in other assets or cash equivalents. Managed by Alok Singh, it has delivered a return of 6.02% in the last year, a total return since inception of 1.97%.
Key Metrics of Bank Of India Credit Risk Fund Regular-growth
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Standard Deviation0.76%
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Sharpe Ratio-0.98%
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Alpha0.87%
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Beta0.87%
Fund Details
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Top Performing Mutual Funds
| Fund Names | AUM (Cr) | 1M | 3M | 1Yr | 3Yr | 5Yr |
|---|---|---|---|---|---|---|
Bank Of India Credit Risk Fund Regular-growth  |
₹106 | 1.00% | 1.71% | 6.48% | 6.05% | 25.98% |
| Baroda Bnp Paribas Credit Risk Fund Direct-growth |
₹192 | 0.94% | 1.92% | 9.31% | 8.79% | 10.50% |
| UTI Credit Risk Fund Direct-flexi Idcw |
₹277 | 0.73% | 1.55% | 8.34% | 8.20% | 10.21% |
| UTI Credit Risk Fund Regular Plan-flexi Idcw |
₹277 | 0.66% | 1.36% | 7.69% | 7.44% | 9.42% |
| Aditya Birla Sun Life Credit Risk Fund Regular-growth |
₹1,023 | 1.13% | 2.27% | 16.31% | 10.73% | 9.36% |
| HSBC Credit Risk Fund-growth |
₹648 | 0.59% | 1.24% | 20.57% | 11.22% | 8.54% |
| Invesco India Credit Risk Fund Direct-discretionary Idcw |
₹152 | 0.67% | 1.43% | 10.78% | 10.71% | 7.86% |
| HDFC Credit Risk Debt Fund Direct-growth |
₹7,015 | 0.90% | 1.80% | 8.68% | 8.33% | 7.82% |
| Axis Credit Risk Fund Direct-growth |
₹367 | 0.97% | 2.11% | 9.64% | 8.74% | 7.78% |
| Invesco India Credit Risk Fund Regular-discretionary Idcw |
₹152 | 0.57% | 1.12% | 9.49% | 9.44% | 6.60% |
growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns
More funds from Bank of India Mutual Fund
| Fund Names | AUM (Cr) | 1M | 3M | 6M | 1Yr | 3Yr |
|---|---|---|---|---|---|---|
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Bank Of India Credit Risk Fund Direct-growth
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₹106 | 1.04% | 1.82% | 3.46% | 6.89% | 6.39% |
growth is based on 1-month returns of the fundsMutual Fund Calculator
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Tax Information
If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 12.5%, if your total long term capital gain exceeds 1.25 lakh. Any cess/surcharge is not included. If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 20%. Any cess/surcharge is not included in the 20%.
Top Mutual Funds
| Fund Names | AUM (Cr) | NAV | 3Yr | 5Yr | 10Yr |
|---|---|---|---|---|---|
| HDFC Credit Risk Debt Fund Direct-growth |
₹7,015 | ₹26.57 | 8.33% | 7.82% | 8.35% |
| Aditya Birla Sun Life Credit Risk Fund Regular-growth |
₹1,023 | ₹22.94 | 10.73% | 9.36% | 8.18% |
| HSBC Credit Risk Fund-growth |
₹648 | ₹32.80 | 11.22% | 8.54% | 7.23% |
| Axis Credit Risk Fund Direct-growth |
₹367 | ₹24.55 | 8.74% | 7.78% | 7.91% |
| UTI Credit Risk Fund Regular Plan-flexi Idcw |
₹277 | ₹11.29 | 7.44% | 9.42% | 2.94% |
| UTI Credit Risk Fund Direct-flexi Idcw |
₹277 | ₹12.49 | 8.20% | 10.21% | 3.86% |
| Baroda Bnp Paribas Credit Risk Fund Direct-growth |
₹192 | ₹25.00 | 8.79% | 10.50% | 8.69% |
| Invesco India Credit Risk Fund Regular-discretionary Idcw |
₹152 | ₹1,959.66 | 9.44% | 6.60% | 5.80% |
| Invesco India Credit Risk Fund Direct-discretionary Idcw |
₹152 | ₹2,204.96 | 10.71% | 7.86% | 6.89% |
| Bank Of India Credit Risk Fund Regular-growth |
₹106 | ₹12.42 | 6.05% | 25.98% | 1.65% |
Detailed Portfolio
| Stocks | Sector | % of Holding | Value |
|---|---|---|---|
| Repo | Unspecified | 23.20% | ₹24.50 Cr |
| Net Receivables | Unspecified | 9.72% | ₹10.26 Cr |
| Vedanta Limited Sr Ii 9.45 Ncd 05ju28 Fvrs1lac | Materials | 9.54% | ₹10.08 Cr |
| Nirma Limited Sr Vii Tr B 8.40 Ncd 07ap26 Fvrs1lac | Consumer Staples | 9.54% | ₹10.07 Cr |
| Century Textiles And Industries Limited Sr Xxi 8.10 Loa 25ap26 Fvrs1lac | Materials | 9.52% | ₹10.06 Cr |
| Jsw Steel Limited 8.50 Ncd 12ot27 Fvrs10lac | Materials | 9.50% | ₹10.03 Cr |
| Manappuram Finance Limited Sr B 8.80 Ncd 29sp25 Fvrs1lac | Financial | 9.49% | ₹10.02 Cr |
| Rashtriya Chemicals And Fertilizers Limited Sr I 7.99 Bd 07ag27 Fvrs1lac | Materials | 4.83% | ₹5.10 Cr |
| 360 One Prime Limited 9.40 Ncd 04mr27 Fvrs1lac | Financial | 4.77% | ₹5.04 Cr |
| Nuvoco Vistas Corporation Limited 7.75 Ncd 28ag25 Fvrs10lac | Materials | 4.74% | ₹5.00 Cr |
| Axis Bank Limited Cd 05sep25 | Financial | 4.71% | ₹4.97 Cr |
| Others Class A2 Aif | Unspecified | 0.44% | ₹0.47 Cr |
| 14% Amanta Healthcare Limited (preference Share) ** # | Healthcare | 0.00% | ₹0.00 Cr |
Top Debt Funds
| Fund Names | NAV | 3Yr | 5Yr | 52 weeks high |
|---|---|---|---|---|
| Bank Of India Credit Risk Fund Regular-growth |
₹12.42 | 6.05% | 25.98% | - |
| Baroda Bnp Paribas Credit Risk Fund Direct-growth |
₹25.00 | 8.79% | 10.50% | - |
| UTI Credit Risk Fund Direct-flexi Idcw |
₹12.49 | 8.20% | 10.21% | - |
| UTI Credit Risk Fund Regular Plan-flexi Idcw |
₹11.29 | 7.44% | 9.42% | - |
| Aditya Birla Sun Life Credit Risk Fund Regular-growth |
₹22.94 | 10.73% | 9.36% | - |
| HSBC Credit Risk Fund-growth |
₹32.80 | 11.22% | 8.54% | - |
| Invesco India Credit Risk Fund Direct-discretionary Idcw |
₹2,204.96 | 10.71% | 7.86% | - |
| HDFC Credit Risk Debt Fund Direct-growth |
₹26.57 | 8.33% | 7.82% | - |
| Axis Credit Risk Fund Direct-growth |
₹24.55 | 8.74% | 7.78% | - |
| Invesco India Credit Risk Fund Regular-discretionary Idcw |
₹1,959.66 | 9.44% | 6.60% | - |
growth is based on 5Y returns of the funds
Bank Of India Credit Risk Fund Regular-growth
What is the current AUM of Bank Of India Credit Risk Fund Regular-growth?
As of Thu Jul 31, 2025, Bank Of India Credit Risk Fund Regular-growth manages assets worth ₹105.6 crore
How has Bank Of India Credit Risk Fund Regular-growth performed recently?
- 3 Months: 1.11%
- 6 Months: 3.36%
What is the long-term performance of Bank Of India Credit Risk Fund Regular-growth?
- 3 Years CAGR: 5.76%
- 5 Years CAGR: 25.85%
- Since Inception: 1.97%
What is the portfolio composition of Bank Of India Credit Risk Fund Regular-growth?
Debt: 67.08%, Others: 32.92%.
Who manages Bank Of India Credit Risk Fund Regular-growth?
Bank Of India Credit Risk Fund Regular-growth is managed by Alok Singh from Bank of India Mutual Fund.
Which are the top companies Bank Of India Credit Risk Fund Regular-growth has invested in?
- Repo – 23.20% of the fund's portfolio
- Net Receivables – 9.72% of the fund's portfolio
- VEDANTA LIMITED SR II 9.45 NCD 05JU28 FVRS1LAC – 9.54% of the fund's portfolio
- NIRMA LIMITED SR VII TR B 8.40 NCD 07AP26 FVRS1LAC – 9.54% of the fund's portfolio
- CENTURY TEXTILES AND INDUSTRIES LIMITED SR XXI 8.10 LOA 25AP26 FVRS1LAC – 9.52% of the fund's portfolio
Which are the major sectors Bank Of India Credit Risk Fund Regular-growth focuses on?
- Materials – 38.13% of the fund's portfolio
- Unspecified – 33.36% of the fund's portfolio
- Financial – 18.97% of the fund's portfolio
- Consumer Staples – 9.54% of the fund's portfolio
- Healthcare – 0.00% of the fund's portfolio
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^Returns as on 10th Jan’25. Tata AIA Life Top 200 ULIP Fund has delivered 18% returns over the last 10 years. Past performance is not necessarily indicative of future results. This disclaimer is specifically regarding a ULIP fund and is not related to mutual funds. Source: Morningstar.
