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Bank of India Credit Risk Fund - Regular

Credit Risk Fund
Invest Now

  • NAV

    11.92(0.02%)

  • Fund Size (CR)

    ₹113.54

  • Expense Ratio

    1.38

  • Scheme Type

    Active Fund

  • Value Research

  • Min. investment

    ₹5,000

  • Minimum Additional Investment

    ₹5,000

  • Minimum SIP Investment

    ₹undefined

  • Minimum Withdrawal

    ₹5,000

  • Exit Load 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.

    4%

  • Return Since Launch

    1.76%
  • 3M
  • 6M
  • 1Y
  • 3Y
  • All
Absolute Return: 1.10%
Annualized Return: 0% [object Object]

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 onLatest ValueAbsolute ReturnsAnnualised ReturnsCategory AvgRank within Category
1 Week 5 March 202510008.570.09%-1.29%92/92
1 Month12 February 202510036.900.37%-2.38%90/92
3 Month12 December 202410108.001.08%-3.50%90/92
6 Month12 September 202410262.012.62%-5.58%87/92
1 Year12 March 202410487.764.88%4.88%10.00%92/92
3 Year11 March 202225843.91158.44%37.15%8.74%2/91
5 Year12 March 202015812.9958.13%9.59%7.72%16/92
Since Inception27 February 201511914.3019.14%1.76%6.88%92/92

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For₹10,000 Invested onInvestmentsLatest ValueAbsolute ReturnsAnnualised Returns
1 Year2 April 20241,20,000122833.112.36% 2.36%
3 Year4 April 20223,60,000390532.208.48% 2.75%
5 Year3 April 20206,00,0001076253.0579.38% 12.40%
10 Year6 April 201512,00,0001733467.8044.46% 3.75%

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

Monthly Investment (₹)

Expected Returns Rate (%)

Time Period (in Years)

Start your SIP now

  • Invested Amount

    ₹25,000

  • Estimated Returns

    ₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

20.42%

Standard Deviation

0.88%

Beta

0.56%

Sharpe Ratio

1.14%

Treynor's Ratio

36.67%

Jension's Alpha

Asset Allocation

Sector Allocation

There is no Sector Allocation data

Top 10 stock holding in portfolio

Stock Invested in% of Total HoldingsQuantityValue (Cr)Asset TypeSegment
There's no data available of Stock Holdings

Peer Comparison

Scheme NameValue ResearchAsset Size (Cr)1M3M6M1Y3Y
DSP Credit Risk Fund - Direct (IDCW-W)
191.6113.36%14.73%17.38%22.36%14.25%
DSP Credit Risk Fund - Direct (IDCW-D)
191.6113.36%14.76%17.19%22.26%16.68%
DSP Credit Risk Fund - Direct (G)
191.6113.36%14.73%17.14%22.11%16.64%
DSP Credit Risk Fund - Direct (IDCW-Q)
191.6113.36%14.73%17.14%22.06%16.62%
DSP Credit Risk Fund - Direct (IDCW)
191.6113.36%14.73%17.14%19.72%15.88%

List of Schemes under Bank of India Mutual Fund

Fund NameCategoryRisk1Y ReturnsRatingsFund Size (Cr)
Bank of India Multi Cap FundEquityVery High3.79%0₹695.25
Bank of India Bluechip FundEquityVery High-5.49%1₹168.61
Bank of India Large & Mid Cap Equity FundEquityVery High-1.15%2₹327.89
Bank of India Small Cap FundEquityVery High7.31%4₹1,389.85
Bank of India Manufacturing & Infrastructure FundEquityVery High3.83%4₹462.95
Bank of India Business Cycle FundEquityVery High0%0₹472.19
Bank of India Consumption FundEquityVery High0%0₹373.01
Bank of India ELSS Tax SaverEquityVery High-4.62%4₹1,182.15
Bank of India Midcap Tax Fund - Series 1EquityVery High-5.16%0₹52.75
Bank of India Midcap Tax Fund - Series 2EquityVery High-4.86%0₹27.73
Bank of India Overnight FundDebtLow6.73%5₹64.83
Bank of India Liquid FundDebtModerately Low7.34%4₹1,740.74
Bank of India Ultra Short Duration FundDebtModerate7.14%1₹157.40
Bank of India Money Market FundDebtModerately Low0%0₹170.14
Bank of India Short Term Income FundDebtModerately Low9.4%0₹109.07
Bank of India Credit Risk FundDebtModerately High5.25%2₹113.54
Bank of India Conservative Hybrid FundHybridModerate2.24%5₹63.39
Bank of India Mid & Small Cap Equity & Debt FundHybridVery High3.3%5₹974.20
Bank of India Balanced Advantage FundHybridVery High-1.68%2₹125.13
Bank of India Multi Asset Allocation FundHybridVery High4.61%0₹321.88
Bank of India Arbitrage FundHybridLow7.51%1₹44.60
Bank of India Flexi Cap FundEquityVery High1.14%4₹1,786.77

News

  • Bank of India MF announces change in Fund Manager of the following schemes

    Bank of India Mutual Fund has announced change in Fund Managers of the following schemes with effect from: 01 October 2024

    Change in Fund Managers of the Schemes:

    Scheme Name Existing Fund Manager(s) New Fund Manager(s)
    Bank of India Small Cap Fund Mr. Dhruv Bhatia Mr. Alok Singh
    Bank of India Blue Chip Fund Mr. Dhruv Bhatia ' Mr. Alok Singh
    ' Mr. Nilesh Jethani ' Co-Fund Manager
    Bank of India Midcap Tax Fund - Series 1 Mr. Dhruv Bhatia Mr. Nilesh Jethani
    Bank of India Midcap Tax Fund - Series 2 Mr. Dhruv Bhatia Mr. Nilesh Jethani
    Bank of India Arbitrage Fund Mr. Alok Singh Mr. Firdaus Ragina

    Powered by Capital Market - Live News

Fund House Details & Investment Objective

Date of Incorporation

6 February 2015

Total AUM (Cr)

₹113.54

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 ₹113.54 (Cr), as of 13 March 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 1.76% since its launch.
The current NAV of Bank of India Credit Risk Fund - Regular is ₹11.92, as on 13 March 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 37.15% and 9.59% 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 90.14% in Debt and 9.86% 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 1.76% 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?

In the short term, i.e., 1 year, Bank of India Credit Risk Fund - Regular has generated annualised return of 4.88%. In the long-term, the fund has generated 37.15% and 9.59% in 3 and 5 years respectively. Since its inception, the fund has generated 1.76% returns.

What is the expense ratio of Bank of India Credit Risk Fund - Regular Direct Growth?

The expense ratio of Bank of India Credit Risk Fund - Regular Direct Growth is 1.38%. Expense ratio is the fees payable by investors of the scheme towards management, research and overall upkeep of the fund. The higher the expense ratio, the lower is the in-hand return for the investor. Expense ratio for direct plans is lower than regular plans, making them ideal for investors.

What is the AUM of Bank of India Credit Risk Fund - Regular Fund Direct Growth?

The Assets Under Management (AUM) of Bank of India Credit Risk Fund - Regular is ₹113.54 (Cr) as of 2025-03-13 AUM shows the fund’s popularity and is often indicative of fund strength.

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).
Note : Securities shown above are only for illustrative purposes and not recommendatory in nature. The data represents best/cumulative figures till date.