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Bank Of India Credit Risk Fund Direct-growth
Debt
Moderately High Risk
Latest AUM
₹ 100.3 Cr.
NAV as on 24 jul, 2026
₹ 14.73
+20.58%
3 years annulised
This Fund
Fund Details
Fund Names
Bank Of India Credit Risk Fund Direct-growth
Inception Date
27 Feb 2015
Lock In
No Lock-in
Risk
Principal at moderately high risk
Category Average Annual Returns
10.65
Portfolio Composition Analysis
Debt
76.70%
Cash
23.30%
Portfolio Updated on: 07 Jul, 2026
Sector Allocations
Debt
Materials
Financial
Consumer Staples
Portfolio Updated on: 24 jul, 2026
Top 10 Holdings
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| MANAPPURAM FINANCE LIMITED 9.10 NCD 19AG26 FVRS1LAC | Financial | Non Convertible Debenture | 9.51% |
| VEDANTA LIMITED SR II 9.45 NCD 05JU28 FVRS1LAC | Materials | Debenture | 9.58% |
| VEDANTA LIMITED SR II 9.45 NCD 05JU28 FVRS1LAC | Materials | Debenture | 9.47% |
| MANAPPURAM FINANCE LIMITED 9.10 NCD 19AG26 FVRS1LAC | Financial | Non Convertible Debenture | 9.47% |
| VEDANTA LIMITED SR II 9.45 NCD 05JU28 FVRS1LAC | Materials | Debenture | 9.44% |
| VEDANTA LIMITED SR II 9.45 NCD 05JU28 FVRS1LAC | Materials | Debenture | 1.00% |
| MANAPPURAM FINANCE LIMITED 9.10 NCD 19AG26 FVRS1LAC | Financial | Non Convertible Debenture | 9.41% |
| NIRMA LIMITED SR VII TR B 8.40 NCD 07AP26 FVRS1LAC | Consumer Staples | Debenture | 9.54% |
| VEDANTA LIMITED SR II 9.45 NCD 05JU28 FVRS1LAC | Materials | Debenture | 9.49% |
| VEDANTA LIMITED SR II 9.45 NCD 05JU28 FVRS1LAC | Materials | Debenture | 10.03% |
Debt & Credit Risk Analysis
| Sharpe Ratio | 0.67% |
| Standard Deviation | 2.78% |
Returns Analysis
| Tenure | Absolute | Annualised | Category Average |
|---|---|---|---|
| 3 Months | 6.89% | NA | 1.36% |
| 6 Months | 8.69% | NA | 6.38% |
| 9 Months | 15.38% | NA | 8.55% |
| 1 Year | 17.36% | 17.36% | 10.65% |
| 2 Years | 24.97% | 11.79% | 9.45% |
| 3 Years | 33.10% | 10.00% | 8.46% |
| 5 Years | 239.86% | 27.72% | 9.28% |
| 7 Years | 106.57% | 10.92% | NA |
| 10 Years | 28.76% | 2.56% | 6.47% |
Bank Of India Credit Risk Fund Direct-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 ₹100.3 crore as on Tue Mar 31, 2026. The expense ratio stands at 1.12%.
Alok Singh has experience Prior to joining Bank of India AMC he has worked with BNP Paribas Asset Management and Axis Bank
Top Performing Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| Bank Of India Credit Risk Fund Regular-growth | 100.3 | +0.43% | +6.75% | +8.43% | +16.85% | +9.59% | +27.30% |
| Bank Of India Credit Risk Fund Regular-growth | 100.3 | +0.43% | +6.75% | +8.43% | +16.85% | +9.59% | +27.30% |
| Bank Of India Credit Risk Fund Regular-growth | 100.3 | +0.43% | +6.75% | +8.43% | +16.85% | +9.59% | +27.30% |
| Bank Of India Credit Risk Fund Regular-growth | 100.3 | +0.43% | +6.75% | +8.43% | +16.85% | +9.59% | +27.30% |
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 name | |||||||
|---|---|---|---|---|---|---|---|
| Bank Of India Credit Risk Fund Regular-growth | 100.3 | +0.43% | +6.75% | +8.43% | +16.85% | +9.59% | +27.30% |
| Bank Of India Credit Risk Fund Regular-growth | 100.3 | +0.43% | +6.75% | +8.43% | +16.85% | +9.59% | +27.30% |
| Bank Of India Credit Risk Fund Regular-growth | 100.3 | +0.43% | +6.75% | +8.43% | +16.85% | +9.59% | +27.30% |
| Bank Of India Credit Risk Fund Regular-growth | 100.3 | +0.43% | +6.75% | +8.43% | +16.85% | +9.59% | +27.30% |
| Bank Of India Credit Risk Fund Regular-growth | 100.3 | +0.43% | +6.75% | +8.43% | +16.85% | +9.59% | +27.30% |
growth is based on 1-month returns of the funds
Top Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| HDFC Credit Risk Debt Fund Regular-growth | 6,743.1 | +0.59% | +2.01% | +3.81% | +6.40% | +7.50% | +6.53% |
| HDFC Credit Risk Debt Fund Direct-growth | 6,743.1 | +0.64% | +2.13% | +4.08% | +6.99% | +8.14% | +7.17% |
| HDFC Credit Risk Debt Fund Direct-growth | 6,743.1 | +0.64% | +2.13% | +4.08% | +6.99% | +8.14% | +7.17% |
| HDFC Credit Risk Debt Fund Regular-growth | 6,743.1 | +0.59% | +2.01% | +3.81% | +6.40% | +7.50% | +6.53% |
| HDFC Credit Risk Debt Fund Direct-growth | 6,743.1 | +0.64% | +2.13% | +4.08% | +6.99% | +8.14% | +7.17% |
| HDFC Credit Risk Debt Fund Regular-growth | 6,743.1 | +0.59% | +2.01% | +3.81% | +6.40% | +7.50% | +6.53% |
| HDFC Credit Risk Debt Fund Direct-growth | 6,743.1 | +0.64% | +2.13% | +4.08% | +6.99% | +8.14% | +7.17% |
| HDFC Credit Risk Debt Fund Regular-growth | 6,743.1 | +0.59% | +2.01% | +3.81% | +6.40% | +7.50% | +6.53% |
| HDFC Credit Risk Debt Fund Direct-growth | 6,743.1 | +0.64% | +2.13% | +4.08% | +6.99% | +8.14% | +7.17% |
| HDFC Credit Risk Debt Fund Direct-growth | 6,743.1 | +0.64% | +2.13% | +4.08% | +6.99% | +8.14% | +7.17% |
Top funds are based on Fund AUM
Top Debt Funds
| Fund name | ||||
|---|---|---|---|---|
| Bank Of India Credit Risk Fund Regular-growth | ₹14.31 | +9.59% | +27.30% | — |
| Bank Of India Credit Risk Fund Regular-growth | ₹14.31 | +9.59% | +27.30% | — |
| Bank Of India Credit Risk Fund Regular-growth | ₹14.31 | +9.59% | +27.30% | — |
| Bank Of India Credit Risk Fund Regular-growth | ₹14.31 | +9.59% | +27.30% | — |
growth is based on 5Y returns of the funds
Historical NAV
| Date | NAV |
|---|---|
| 24 Jul 2026 | ₹14.73 |
| 23 Jul 2026 | ₹14.73 |
| 22 Jul 2026 | ₹14.73 |
| 21 Jul 2026 | ₹14.73 |
| 20 Jul 2026 | ₹14.72 |
| 17 Jul 2026 | ₹14.72 |
| 16 Jul 2026 | ₹14.72 |
| 15 Jul 2026 | ₹14.71 |
| 14 Jul 2026 | ₹14.71 |
| 13 Jul 2026 | ₹14.72 |
| 10 Jul 2026 | ₹14.71 |
| 09 Jul 2026 | ₹14.71 |
| 08 Jul 2026 | ₹14.70 |
| 07 Jul 2026 | ₹14.71 |
| 06 Jul 2026 | ₹14.71 |
| 03 Jul 2026 | ₹14.71 |
| 02 Jul 2026 | ₹14.71 |
| 01 Jul 2026 | ₹14.70 |
| 30 Jun 2026 | ₹14.69 |
| 29 Jun 2026 | ₹14.69 |
| 25 Jun 2026 | ₹14.67 |
| 24 Jun 2026 | ₹14.66 |
| 23 Jun 2026 | ₹14.66 |
| 22 Jun 2026 | ₹14.65 |
| 19 Jun 2026 | ₹14.65 |
| 18 Jun 2026 | ₹14.65 |
| 17 Jun 2026 | ₹14.64 |
| 15 Jun 2026 | ₹14.64 |
| 12 Jun 2026 | ₹14.63 |
| 11 Jun 2026 | ₹14.62 |
Portfolio Updated on: 25 Jul, 2026
Fund Growth & Size Analysis
+₹100.3 Cr
Since Launch
This Fund
Category Average
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Bank Of India Credit Risk Fund Direct-growth Returns Comparison
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Bank Of India Credit Risk Fund Direct-growth FAQ'S
- Sharpe Ratio: 0.67%
- Standard Deviation: 2.78%
As of Tue Mar 31, 2026, the total assets managed under Bank Of India Credit Risk Fund Direct-growth stand at approximately ₹ 100.3 crore.
The Bank Of India Credit Risk Fund Direct-growth has delivered the following short-term performance:
- 3 Months Return: 6.89%
- 6 Months Return: 8.69%
The historical growth of the Bank Of India Credit Risk Fund Direct-growth is reflected through its CAGR returns:
- 3 Year CAGR: 10.00%
- 5 Year CAGR: 27.72%
- Return Since Launch: 3.44%
The portfolio of Bank Of India Credit Risk Fund Direct-growth is distributed across different asset classes as follows:
- Debt Instruments: 76.70%
- Other Assets: 23.30%
The Bank Of India Credit Risk Fund Direct-growth is managed by Alok Singh, representing Bank of India Mutual Fund.
Top stock holdings of Bank Of India Credit Risk Fund Direct-growth include:
- MANAPPURAM FINANCE LIMITED 9.10 NCD 19AG26 FVRS1LAC – represents 9.51% of the portfolio
- VEDANTA LIMITED SR II 9.45 NCD 05JU28 FVRS1LAC – represents 9.58% of the portfolio
- VEDANTA LIMITED SR II 9.45 NCD 05JU28 FVRS1LAC – represents 9.47% of the portfolio
- MANAPPURAM FINANCE LIMITED 9.10 NCD 19AG26 FVRS1LAC – represents 9.47% of the portfolio
- VEDANTA LIMITED SR II 9.45 NCD 05JU28 FVRS1LAC – represents 9.44% of the portfolio
- VEDANTA LIMITED SR II 9.45 NCD 05JU28 FVRS1LAC – represents 1.00% of the portfolio
- MANAPPURAM FINANCE LIMITED 9.10 NCD 19AG26 FVRS1LAC – represents 9.41% of the portfolio
- NIRMA LIMITED SR VII TR B 8.40 NCD 07AP26 FVRS1LAC – represents 9.54% of the portfolio
- VEDANTA LIMITED SR II 9.45 NCD 05JU28 FVRS1LAC – represents 9.49% of the portfolio
- VEDANTA LIMITED SR II 9.45 NCD 05JU28 FVRS1LAC – represents 10.03% of the portfolio
Major sector exposures in Bank Of India Credit Risk Fund Direct-growth are:
- Materials – accounts for 324.30% of the portfolio
- Financial – accounts for 248.62% of the portfolio
- Consumer Staples – accounts for 88.55% of the portfolio
- Healthcare – accounts for 0.00% of the portfolio
