Bank of India Credit Risk Fund - Direct Plan
Bank of India Investment Managers Private Limited · Direct Plan · Growth
Fund overview
NIL for 10% of investments and 1% for remaining investments on or before 1Y, NIL after 1Y
Returns & rankings
| Period | Fund Returns | Category Avg. | Rank | VS Category |
|---|---|---|---|---|
| … | ||||
Green = fund outperformed the category average for that period; red = underperformed. Periods under 1 year always show absolute (non-annualised) returns. Past performance does not guarantee future returns.
Return calculator
One-time investment
₹5,000
| Over the past | Total investment | Would've become | Returns |
|---|---|---|---|
| 1 Year | ₹5,000 | ₹5,175 | +175 |
| 3 Years | ₹5,000 | ₹5,545 | +545 |
| 5 Years | ₹5,000 | ₹5,941 | +941 |
Calculated using the fund's annualised return since inception (3.5% p.a.) as period-wise historical returns aren't available in the current feed. Actual returns fluctuate and are not guaranteed. Mutual fund investments are subject to market risks.
Holdings
10 securitiesTop 10 holdings make up 90.0% of the portfolio.
| Security | Sector | Market Cap | Weight |
|---|---|---|---|
| TREPS | Cash/Deposits/Margins/Treps/Repo/Swaps | — | 22.29% |
| 8.5% Nirma Ltd (07/04/2027) | Consumer Staples | — | 10.78% |
| 8.35% Aditya Birla Real Estate Ltd (30/08/2027) | Real Estate | — | 9.43% |
| 9.40% 360 One Prime Ltd (04/03/2027) | Finance | — | 9.32% |
| 8.65% Aadhar Housing Finance Ltd (20/08/2027) | Finance | — | 9.19% |
| 8.60% Manappuram Finance Ltd (24/03/2028) | Finance | — | 8.70% |
| 9.45% Vedanta Ltd (05/06/2028) | Non Ferrous Metals | — | 6.80% |
| 7.99% Rashtriya Chemicals and Fertilizers Ltd (07/08/2027) | Chemicals | — | 6.73% |
| 8.39% JSW Steel Ltd (13/05/2027) | Commodity | — | 6.71% |
| 7.70% Nuvoco Vistas Corporation Ltd (18/09/2028) | Construction | — | 6.66% |
Portfolio Allocation
Equity / Debt / Cash
Total Value
₹74 Cr
Debt sector allocation
Total Value
₹56 Cr
Allocation By Credit Quality (Debt)
Exit load, stamp duty & tax
27-Feb-15
NIL for 10% of investments and 1% for remaining investments on or before 1Y, NIL after 1Y
0.005% (from July 1st, 2020)
Taxation depends on the fund category and holding period. Consult the scheme document or a tax advisor for details.
Risk & Performance Ratios (1Y)
| Standard Deviation | 0.27% |
| Beta | 0.40 |
| Sharpe Ratio | -4.05 |
| Sortino Ratio | -0.69 |
| Treynor Ratio | -0.03 |
| Jensen's Alpha | -1.15 |
| Information Ratio | -0.99 |
| R-Squared | 76.64% |
| Max Drawdown | 0.00% |
| Upside Capture | 80.76% |
| Downside Capture | -- |
Fund management
Scheme Details
Investment 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.
Fund house
Bank of India Investment Managers Private Limited
Frequently asked questions
What is the NAV of Bank of India Credit Risk Fund - Direct Plan?
The NAV of Bank of India Credit Risk Fund - Direct Plan is ₹14.95 as of 21 Oct 2026. NAV is updated at the end of every trading day.
How much expense ratio is charged by Bank of India Credit Risk Fund - Direct Plan?
The expense ratio charged by Bank of India Credit Risk Fund - Direct Plan is 0.61%.
What is the Min. SIP of Bank of India Credit Risk Fund - Direct Plan?
The minimum SIP investment in Bank of India Credit Risk Fund - Direct Plan is ₹1,000 per month.
What is the Min. Lumpsum of Bank of India Credit Risk Fund - Direct Plan?
The minimum lumpsum investment in Bank of India Credit Risk Fund - Direct Plan is ₹5,000.
What is the Exit Load of Bank of India Credit Risk Fund - Direct Plan?
The exit load for Bank of India Credit Risk Fund - Direct Plan is: NIL for 10% of investments and 1% for remaining investments on or before 1Y, NIL after 1Y
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