Bank of India Credit Risk Fund - Regular
Credit Risk FundNAV
12.26(0.02%)Fund Size (CR)
₹107Expense Ratio
1.38Scheme Type
Active FundValue Research
Min. investment
₹5,000Minimum Additional Investment
₹5,000Minimum SIP Investment
₹undefinedMinimum Withdrawal
₹5,000Exit Load
4%Return Since Launch
1.97%
- 3M
- 6M
- 1Y
- 3Y
- All
Basic Details
Scheme Manager
Alok Singh
Bench Mark
CRISIL Credit Risk Debt B-II Index
Type
OPEN
Lumpsum Returns
| Period Invested For | ₹10,000 Invested on | Latest Value | Absolute Returns | Annualised Returns | Category Avg | Rank within Category |
|---|---|---|---|---|---|---|
| 1 Week | 25 July 2025 | 10004.98 | 0.05% | - | 0.06% | 57/92 |
| 1 Month | 1 July 2025 | 10041.87 | 0.42% | - | 0.57% | 76/92 |
| 3 Month | 30 April 2025 | 10139.73 | 1.40% | - | 2.05% | 85/92 |
| 6 Month | 31 January 2025 | 10345.13 | 3.45% | - | 7.63% | 91/92 |
| 1 Year | 1 August 2024 | 10599.94 | 6.00% | 6.00% | 12.03% | 92/92 |
| 3 Year | 1 August 2022 | 11834.03 | 18.34% | 5.77% | 9.21% | 90/91 |
| 5 Year | 31 July 2020 | 31665.63 | 216.66% | 25.89% | 8.88% | 2/92 |
| Since Inception | 27 February 2015 | 12256.50 | 22.57% | 1.97% | 7.08% | 92/92 |
Note: Lumpsum Returns since Inception Date.
SIP Returns
| Period Invested For | ₹10,000 Invested on | Investments | Latest Value | Absolute Returns | Annualised Returns |
|---|---|---|---|---|---|
| 1 Year | 1 August 2024 | 1,30,000 | 134034.52 | 3.10% | 3.10% |
| 3 Year | 1 August 2022 | 3,70,000 | 404456.82 | 9.31% | 3.01% |
| 5 Year | 3 August 2020 | 6,10,000 | 1041585.25 | 70.75% | 11.29% |
| 10 Year | 3 August 2015 | 12,10,000 | 1785184.16 | 47.54% | 3.97% |
Note: SIP Returns since Inception Date.
Tax Treatment
If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 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 15%. Any cess/surcharge is not included in the 15%.
Mutual Funds Calculator
- Investment type
- Scheme based
- SIP
- Lumpsum
Invested Amount
₹25,000
Estimated Returns
₹19,059
76%
Returns
Future value of your investment
₹44,059
Risk Ratios
0.22%
Standard Deviation
0.01%
Beta
-0.55%
Sharpe Ratio
2.15%
Treynor's Ratio
-0.57%
Jension's Alpha
Asset Allocation
Sector Allocation
Top 10 stock holding in portfolio
| Stock Invested in | % of Total Holdings | Quantity | Value (Cr) | Asset Type | Segment |
|---|---|---|---|---|---|
| There's no data available of Stock Holdings | |||||
Peer Comparison
| Scheme Name | Value Research | Asset Size (Cr) | 1M | 3M | 6M | 1Y | 3Y |
|---|---|---|---|---|---|---|---|
| DSP Credit Risk Fund - Direct (IDCW-W) | 208.95 | 0.42% | 2.35% | 18.47% | 23.59% | 15.60% | |
| DSP Credit Risk Fund - Direct (IDCW-D) | 208.95 | 0.42% | 2.49% | 18.61% | 23.57% | 15.64% | |
| DSP Credit Risk Fund - Direct (G) | 208.95 | 0.42% | 2.50% | 18.63% | 23.52% | 15.59% | |
| HSBC Credit Risk Fund - Direct (IDCW-M) | 651.03 | 0.55% | 1.86% | 17.59% | 22.13% | 11.97% | |
| HSBC Credit Risk Fund - Direct (IDCW-A) | 651.03 | 0.55% | 1.86% | 17.59% | 22.13% | 10.03% |
List of Schemes under Bank of India Mutual Fund
News
Bank of India Mutual Fund announces change in Key Personnel
Bank of India Mutual Fund has announced that Mr. Deep Mehta has been appointed as a Equity Dealer on the Board of the Trustee Company with effect from July 14, 2025.Details of Mr. Deep Mehta,
Age: 29
Designation: Equity Dealer
Qualification : ' CFA Level 3 (Cleared)
' CMT Level 3 (Cleared)
' B.Tech MechanicalExperience : 8 years
Powered by Capital Market - Live News
Bank of India Mutual Fund announces change in fund manager under its schemes
Bank of India Mutual Fund has announced change in fund manager under the following schemes, With effect from 14 July 2025Change in Fund Manager:
Name of the Scheme(s) Existing Fund Manager(s) New Fund Manager(s) Bank of India Arbitrage Fund Mr. Firdaus Ragina Mr. Nilesh Jethani Bank of India Small Cap Fund Mr. Alok Singh ' Mr. Alok Singh
' Mr. Nav Bhardwaj (Assistant Fund Manager)Powered by Capital Market - Live News
Bank of India Mutual Fund announces change in scheme name
Bank of India Mutual Fund has announced change in scheme name under the following schemes, with effect from July 22, 2025.Change in the name of the Scheme:
Existing Scheme Name Revised Scheme Name Bank of India Bluechip Fund Bank of India Large Cap Fund Bank of India Large & Mid Cap Equity Fund Bank of India Large & Mid Cap Fund Powered by Capital Market - Live News
Fund House Details & Investment Objective
Date of Incorporation
6 February 2015
Total AUM (Cr)
₹107.24
Bank of India Credit Risk Fund - Regular is an Credit Risk Fund-oriented fund from the renowned AMC, Bank of India Mutual Fund. Launched in 6 February 2015, this fund is managed by Alok Singh. With assets under management (AUM) worth ₹107.24 (Cr), as of 1 August 2025, Bank of India Credit Risk Fund - Regular is categorized as a Credit Risk Fund within its segment. The fund has generated a return of 1.97% since its launch.
The current NAV of Bank of India Credit Risk Fund - Regular is ₹12.26, as on 1 August 2025. The fund's benchmark index is CRISIL Credit Risk Debt B-II Index. You can invest in Bank of India Credit Risk Fund - Regular via both lumpsum and SIP modes. The minimum SIP amount in the fund is - while the minimum lumpsum investment is ₹5,000.
Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
4.00% - If redeemed/switched out within 12 months from the date of allotment. 3.00% - If redeemed/switched out after 12 months but within 24 months from the date of allotment. 2.00% - If redeemed/switched out after 24 months but within 36 mothes from the date of allotment. Nil - If redeemed/switched out after 36 months from the date of allotment. The fund has generated 5.77% and 25.89% CAGR in the last 3 and 5 years respectively.
The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 88.47% in Debt and 11.53% in cash and cash equivalents.
FAQs
How to Invest in Bank of India Credit Risk Fund - Regular Direct Growth?
Bank of India Credit Risk Fund - Regular is a popular fund in the Credit Risk Fund segment. The fund has generated a return of 1.97% since inception. Looking to invest in Bank of India Credit Risk Fund - Regular How about earning 1% extra return? All this is possible with m.Stock! Investing in Bank of India Credit Risk Fund - Regular is super easy and convenient with m.Stock. Here’s how you can begin:
- Login to your m.Stock account. If you do not have an account, open m.Stock Demat account and enjoy 1% extra returns plus Zero Brokerage on Mutual Funds, Delivery & IPO.
- In the ‘Menu’ section, under ‘Products’, select ‘Mutual Funds’ .
- In the search bar, enter the fund name, in this case, Bank of India Credit Risk Fund - Regular
- On the top right corner you’ll see two options – Lumpsum and SIP. You can choose either based on your risk appetite and available investible corpus.
- If you choose to invest a Lumpsum: Use the Lumpsum Calculator to estimate returns, then enter the investment amount, select the payment mode mode (UPI or Netbanking), and click on ‘invest a lumpsum’. Make the payment and your lumpsum investment is complete.
- If you choose the SIP route: Utilize the SIP Calculator to forecast potential growth, then enter the SIP amount, SIP date, and set up ‘Autopay’ facility.
So, why wait? Invest in Bank of India Credit Risk Fund - Regular today and reap the benefits of this Credit Risk Fund fund!
How much returns has Bank of India Credit Risk Fund - Regular Direct Growth generated?
What is the expense ratio of Bank of India Credit Risk Fund - Regular Direct Growth?
What is the AUM of Bank of India Credit Risk Fund - Regular Fund Direct Growth?
How to redeem or withdraw money from Bank of India Credit Risk Fund - Regular Direct Growth?
Redeeming or selling units of Bank of India Credit Risk Fund - Regular is relatively simple. But before you redeem, ensure that the fund has completed the minimum lock-in period else you will be charged an exit load.
To redeem from Bank of India Credit Risk Fund - Regular:
- Login to your m.Stock account
- In portfolio, your mutual fund investments will be visible under ‘MF’
- Select the fund you wish to redeem from (in this case Bank of India Credit Risk Fund - Regular).
- Click on ‘Redeem’ button
- You have 2 options – redeem by units and redeem by value (you can only redeem free units)
- Select units to be redeemed and click on submit.
- Redemption value will be credited to your account in 2-3 working days (as per timelines set by SEBI).