BANK OF INDIA CREDIT RISK FUND

Regular Plan · Growth · Credit Risk · Scheme code 133867

NAV₹14.5128as on 30 Oct 2026

Fund houseBank of India Mutual Fund

CategoryCredit Risk

Plan & optionRegular · Growth

History11.5 years

Returns (%)

	1M	3M	6M	1Y	3Y	5Y	7Y	10Y	Launch
This scheme	0.50	1.72	8.49	17.18	9.64	27.33	10.57	2.22	3.21
Credit Risk category median	—	—	—	6.23	7.56	6.76	—	6.75	—

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

	Volatility	Sharpe	Sortino	Beta	Alpha	Max fall	R²
This scheme	4.1%	0.76	7.15	—	—	-73.5%	—

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the — months this scheme and its benchmark share.

Growth of ₹100 since launch

Drawdown from peak (%)

Every one-year period it has lived through

Windows	Worst	Median	Best	Periods that lost money
2,535	-72.3%	6.7%	149.6%	24%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

BANK OF INDIA CREDIT RISK FUND

Regular Plan · Growth

Allocation

By asset

Debt	74.32%
Cash & Equivalents	25.01%
Unclassified	0.67%

By market cap

Unclassified	74.99%

Concentration

Number of stocks	10
Top 5 stocks	47.42%
Top 10 stocks	74.99%
Top 20 stocks	74.99%
Lines in the filing	12

Largest holding	10.78%
Largest sector	CRISIL AA 35.57%
Effective stocks	15.8
Sectors held	5
Cash	25.01%

Effective stocks is what the concentration works out to: a fund holding 10 names but most of its money in a few behaves like a fund of 16. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

CRISIL AA	35.57%
	22.29%
ICRA AA	16.05%
ICRA AA+	15.90%
CRISIL AA+	6.80%
Cash & Equivalents	2.72%
Unclassified	0.67%

BANK OF INDIA CREDIT RISK FUND

Regular Plan · Growth · holdings

Top 30 holdings

#	Company	Sector	Shares held	Value ₹ cr	% of fund
1	TREPS		—	17	22.29%
2	8.5% Nirma Limited (07/04/2027)	CRISIL AA	800,000	8	10.78%
3	8.35% Aditya Birla Real Estate Limited (30/08/2027)	CRISIL AA	700,000	7	9.43%
4	9.40% 360 One Prime Limited (04/03/2027)	ICRA AA	690,000	7	9.32%
5	8.65% Aadhar Housing Finance Limited (20/08/2027)	ICRA AA+	680,000	7	9.19%
6	8.60% Manappuram Finance Limited (24/03/2028)	CRISIL AA	650,000	6	8.70%
7	9.45% Vedanta Limited (05/06/2028)	CRISIL AA+	500,000	5	6.80%
8	7.99% Rashtriya Chemicals and Fertilizers Limited (07/08/2027)	ICRA AA	500,000	5	6.73%
9	8.39% JSW Steel Limited (13/05/2027)	ICRA AA+	500,000	5	6.71%
10	7.70% Nuvoco Vistas Corporation Limited (18/09/2028)	CRISIL AA	500,000	5	6.66%
11	Net Receivables / (Payables)	Unclassified	—	2	2.72%
12	Corporate Debt Market Development Fund	Unclassified	414	1	0.67%

BANK OF INDIA CREDIT RISK FUND

Regular Plan · Growth · where the money sits

What the manager did last month

Between the filings of 30 Jun 2026 and 31 Jul 2026. A position grows because the manager bought or because the price rose; only the share count separates them.

Bought	Sold	New positions	Sold out of	Price move of holdings
₹0 cr	₹6 cr	0	0	-0.05%

Stock	Shares traded	Shares	Price	Value ₹ cr
Trimmed
7.70% Nuvoco Vistas Corporation Limited (18/09/2028)	400,000	-44.4%	-0.5%	4.0
9.25% Birla Corporation Limited (18/08/2026)	500,000	-23.3%	-0.1%	2.0

The list above is stocks and fund units. Treasury bills, repo and money-market lines roll over every month by design — they are not decisions, so they are totalled here rather than listed as activity.

A ₹10,000 monthly SIP over five years

Invested	Value	Gain	XIRR
₹600,000	₹911,488	₹311,488	16.76%

XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has been invested for a different length of time.

Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 1 Nov 2026.