Bank of India Credit Risk Fund

Q: What are the returns of this mutual fund scheme?

The Bank of India Credit Risk Fund is a 10 yrs 11 m old fund and has delivered average annual returns of 2.56% since inception. Bank of India Credit Risk Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 11.49% 7.67% 27.14% 2.03% 2.56%

Q: How much does this mutual fund charge as expense ratio?

The Bank of India Credit Risk Fund has an expense ratio of 1.52% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹13.2153+0.04% 1 day change	2.56% p.a.	App exclusive #NA View Ranked Funds	₹107 Cr

Historical NAV & returns

NAV: ₹13.2153 as on Feb 02, 2026

This fund Category average

Bank of India Credit Risk Fund overview

AUM (Fund size)	₹107 Cr
Exit load	4.0% Exit load of 4% if redeemed within 12 months, 3% if redeemed after 12 months but within 24 months and 2% if redeemed after 24 months but within 36 months.!
Lock-in Period	Nil
Age	10 yrs 11 m since Feb 06, 2015
Benchmark	CRISIL Credit Risk Debt B-II Index
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	1.52% as on Feb 02, 2026
Plan type	Regular
Risk	Moderately High
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Bank of India Credit Risk Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Feb 03, 2026

Period	This fund	Category average
1 Month	5.14%	0.13%
3 Months	6.01%	0.85%
6 Months	7.78%	2.29%
1 Year	11.49%	6.85%
2 Years	8.75%	7.22%
3 Years	7.67%	7.18%
4 Years	30.3%	6.47%
5 Years	27.14%	6.18%
7 Years	0.17%	6.73%
10 Years	2.03%	7.02%

Asset allocationas on Dec 31, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AA 55.44%

Cash & Call Money 27.75%

A1+ 16.36%

Others 0.45%

Top Debt Holdings

Vedanta Ltd. 9.44%

Manappuram Finance Ltd. 9.41%

Nirma Ltd. 9.37%

Aditya Birla Real Estate Ltd. 9.36%

Allocation by Instruments

Debenture 37.57%

Repo 18.42%

Non Convertible Debenture 17.87%

Certificate of Deposit 16.36%

Other Holdings

Others 9.33%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bank of India Credit Risk Fund	5.14%	7.78%	11.49%	7.67%	27.14%	2.03%
Baroda BNP Paribas Credit Risk Fund	0.2%	2.72%	7.39%	7.74%	9.28%	7.62%
ICICI Prudential Credit Risk Fund	0.3%	3.77%	8.96%	8.42%	7.32%	7.86%
SBI Credit Risk Fund	0.13%	2.33%	7.27%	7.96%	6.77%	7.27%
Aditya Birla Sun Life Credit Risk Fund	0.08%	6.69%	16.43%	11.79%	9.79%	8.49%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bank of India Credit Risk Fund	2.78	-4.25	0.47	4.23
Baroda BNP Paribas Credit Risk Fund	0.76	0.94	1.8	3.1
ICICI Prudential Credit Risk Fund	0.95	0.88	2.05	5.17
SBI Credit Risk Fund	1.24	1.01	1.28	3.13
Aditya Birla Sun Life Credit Risk Fund	2.91	-1.99	1.75	7.21

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bank of India Credit Risk Fund	N.A.	107 Cr	10 yrs 11 m	1.52%
Baroda BNP Paribas Credit Risk Fund	N.A.	185 Cr	11 yrs	1.61%
ICICI Prudential Credit Risk Fund	N.A.	5,920 Cr	15 yrs 2 m	1.4%
SBI Credit Risk Fund	N.A.	2,175 Cr	21 yrs 6 m	1.55%
Aditya Birla Sun Life Credit Risk Fund	N.A.	1,092 Cr	10 yrs 10 m	1.67%

View all Credit Risk funds

Key risk & return ratios Compared to other funds in the category

Alpha	-6.64 vs. 4.33 Underperformed at beating benchmark
Sharpe	0.47 vs. 4.14 Poor risk-adjusted returns
Beta	-4.25 vs. 2.76 Less sensitive to market ups & downs
Standard deviation	2.78 vs. 2.19 More volatile performance

Compare Bank of India Credit Risk Fund in detail with

About this fund

About Bank of India Credit Risk Fund

Bank of India Credit Risk Fund is a Credit Risk mutual fund scheme from Bank Of India Mutual Fund. This fund has been in existence for 10 yrs 11 m, having been launched on 06/02/2015. Bank of India Credit Risk Fund has ₹107 Crores worth of assets under management (AUM) as on 31/12/2025 and is small fund of its category. The latest Net Asset Value (NAV) of Bank of India Credit Risk Fund as of 02/02/2026 is ₹13.22. The fund has an expense ratio of 1.52%, which is higher than what most other Credit Risk funds charge.

Bank of India Credit Risk Fund returns of last 1-year are 11.48%. Since launch, it has delivered 2.56% average annual returns. The fund has doubled the money invested in it every 4 yrs.
Bank of India Credit Risk Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is average.
The fund's credit profile is low indicating it has lent to borrowers whose quality is not too great. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in Vedanta Ltd., Manappuram Finance Ltd., Nirma Ltd., Aditya Birla Real Estate Ltd., Indian Bank.

...

Fund AUM	107 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

Fund managers

Alok Singh

Mr. Singh is a CFA and PGDBA from ICFAI Business School. Prior to joining Bank of India AMC he has worked with BNP Paribas Asset Management and Axis Bank

Investment objective

The Scheme will invest predominantly in corporate debt securities. There will be no exposure in the portfolio to dated Government Securities and State Development Loans.

Bank of India Mutual Fund details

No. of schemes	21 view all schemes
Total AUM	13,871 Cr as on Dec 31, 2025
Address	B/204-Tower 1, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai, 400013
Email	service@boiaxa-im.com

More funds from Bank of India Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
Bank of India Short Term Income Fund	N.A.	291 Cr	6.23%	7.11%
Bank of India Liquid Fund	N.A.	1,107 Cr	6.4%	6.99%
Bank of India Overnight Fund	N.A.	81 Cr	5.75%	6.44%
Bank of India Ultra Short Duration Fund	N.A.	159 Cr	6.15%	6.35%
Bank of India Money Market Fund	N.A.	369 Cr	6.6%	N.A.

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Bank of India Credit Risk Fund?

The current Net Asset Value (NAV) of the Bank of India Credit Risk Fund plan is approximately ₹13.2153 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The Bank of India Credit Risk Fund is a 10 yrs 11 m old fund and has delivered average annual returns of 2.56% since inception.

Bank of India Credit Risk Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
11.49%	7.67%	27.14%	2.03%	2.56%

How much does this mutual fund charge as expense ratio?

The Bank of India Credit Risk Fund has an expense ratio of 1.52%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The Bank of India Credit Risk Fund currently has assets under management (AUM) or fund size valued at approximately 107 Cr as on Dec 31, 2025.

To whom does Bank of India Credit Risk Fund lend to?

The top 3 debt holdings of Bank of India Credit Risk Fund are as follows

Holding Name	Percentage of Portfolio
Vedanta Ltd.	9.44%
Manappuram Finance Ltd.	9.41%
Nirma Ltd.	9.37%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Bank of India Credit Risk Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AA	55.44%
Cash & Call Money	27.75%
A1+	16.36%

What is risk level of Bank of India Credit Risk Fund?

This is a Credit Risk fund comes with Moderately High risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How can I redeem my investments in Bank of India Credit Risk Fund?

Redeeming your investments in the Bank of India Credit Risk Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Credit Risk

#NA

Volatility Protection: This fund is one of the best in protecting against volatility in it's category.
Return Outperformance: This fund has generated highest return amongst Credit Risk funds in the last 5 Years.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load of 4% if redeemed within 12 months, 3% if redeemed after 12 months but within 24 months and 2% if redeemed after 24 months but within 36 months.