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InvestVerdict

BANK OF INDIA CREDIT RISK FUND

Direct Plan · Growth · Credit Risk · Scheme code 133868

NAV₹14.8363as on 27 Aug 2026
Fund houseBank of India Mutual Fund
CategoryCredit Risk
Plan & optionDirect · Growth
History11.5 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme 0.561.888.79 17.7310.0727.76 10.932.503.47
Credit Risk
category median		 ——— 8.178.817.44 —7.88—

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

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 36.6% 0.10 0.20 — — -73.4% —

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

2871114157201620182020202220242026InvestVerdict

Drawdown from peak (%)

0%-27%-55%-82%201620182020202220242026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
507 -72.2% 7.0% 149.7% 23%

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.

InvestVerdict

BANK OF INDIA CREDIT RISK FUND

Direct Plan · Growth

Allocation

By asset

Debt64.90%
Cash & Equivalents34.57%
Unclassified0.53%

By market cap

Unclassified76.70%

Concentration

Number of stocks11
Top 5 stocks37.89%
Top 10 stocks64.90%
Top 20 stocks65.43%
Largest holding8.98%
Largest sectorCRISIL AA 27.04%
Effective stocks22.7
Cash34.57%
InvestVerdict

BANK OF INDIA CREDIT RISK FUND

Direct Plan · Growth · holdings

Top 18 holdings

#CompanySector% of fund
1— 31.02%
2— CRISIL A1+8.98%
3— CRISIL AA8.67%
4— CRISIL AA7.61%
5— ICRA AA7.14%
6— CRISIL AA+5.49%
7— ICRA AA5.43%
8— ICRA AA5.42%
9— CRISIL AA5.41%
10— ICRA AA+5.40%
11— CRISIL AA5.35%
12— Unclassified3.55%
13— Unclassified0.53%

Sector split

— 31.0%CRISIL AA — 27.0%ICRA AA — 18.0%CRISIL A1+ — 9.0%CRISIL AA+ — 5.5%ICRA AA+ — 5.4%Cash & Equivalents — 3.6%Other — 0.5% 31.0%CRISIL AA27.0%ICRA AA18.0%CRISIL A1+9.0%CRISIL AA+5.5%ICRA AA+5.4%Cash & Equivalents3.6%Other0.5%
31.02%
CRISIL AA27.04%
ICRA AA17.99%
CRISIL A1+8.98%
CRISIL AA+5.49%
ICRA AA+5.40%
Cash & Equivalents3.55%
Unclassified0.53%

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹921,774 ₹321,774 17.22%

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 29 Aug 2026.