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Mutual fundsSIF

BANK OF INDIA CREDIT RISK FUND - Regular Plan - Growth

NAVs of 8 Nov 2026

Bank of India Mutual Fund · Debt fund · Regular plan · Growth

Credit RiskRegular · GrowthRisk: Moderately High
NAV · 6 Nov 2026
₹14.9893 ▲ 0.02%
Bank of India Mutual Fund
Fund size₹77.10 crJuly - September 2026
1-month range₹14.93 – 14.99
1 year+17.15%rank 1 of 17
Expense ratio1.36%regular plan, a year
5 years+27.90%a year

What the fund does

The Scheme’s investment objective is to generate capital appreciation over the long term by investing predominantly in corporate debt across the credit spectrum within the universe of investment grade rating. To achieve this objective, the Scheme will seek to make investments in rated, unrated instruments and structured obligations of public and private companies. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.

BenchmarkCRISIL Credit Risk Debt B-II Index
Launched27 Feb 2015
Fund houseBank of India Mutual Fund
Fund managersMr.Alok Singh

NAV history

151515 2026-08-112026-08-242026-09-072026-09-212026-10-052026-10-162026-10-30

Returns

1 week
+0.26%avg 0.5%
1 month
+0.36%avg 0.4%
3 months
+1.34%avg 0.8%
6 months
+3.05%avg 3.3%
This year
+16.20%avg 7.1%
1 year
+17.15%avg 7.9% · #1/17
3 years (a year)
+10.06%avg 8.7% · #4/17
5 years (a year)
+27.90%avg 9.9% · #1/16

Bars: this plan; the thin mark is the Credit Risk average (regular plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.

Monthly returns (%)

YearJanFebMarAprMayJunJulAugSepOctNovDec
2024+0.4
2025+0.4+0.5+0.6+1.0+0.6+0.4+0.5+0.4+0.4+1.1+0.5+0.4
2026+5.2+0.5+0.6+5.9+0.3+0.9+0.5+0.6+0.5+0.2+0.3

Each month's change in NAV (the current month to the latest NAV).

What if you had invested?

Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.

Portfolio as on 30 Sept 2026

Holdings1012 lines in all
Top 10 holdings75.0%of the fund
Debt75.0%bonds, government securities
Money market0.0%CDs, CPs, treasury bills

Where the money is

Debt 75.0%Cash & others 25.0%

Credit quality (debt and money market)

AA
51.6%
AA+
22.7%
Unrated / other
0.7%

Changes since 31 May 2026

Share of fund30 Sept 202631 May 2026Change
Debt75.0%62.5%+12.50
Money market0.0%9.3%-9.30
Cash & others25.0%28.2%-3.20

Change is in percentage points. Bought more and cut back list stocks whose share of the fund moved by at least 0.25 points. A share can also move because the price changed, not only because the fund traded.

Bonds, money market and cash 12

HoldingSector / type% of fund
TREPS–22.29%
8.5% Nirma Limited (07/04/2027) **
INE091A07208		CRISIL AA10.78%
8.35% Aditya Birla Real Estate Limited (30/08/2027) **
INE055A08052		CRISIL AA9.43%
9.40% 360 One Prime Limited (04/03/2027)
INE248U07FU9		ICRA AA9.32%
8.65% Aadhar Housing Finance Limited (20/08/2027) **
INE883F07330		ICRA AA+9.19%
8.60% Manappuram Finance Limited (24/03/2028) **
INE522D07CK1		CRISIL AA8.70%
9.45% Vedanta Limited (05/06/2028) **
INE205A08053		CRISIL AA+6.80%
7.99% Rashtriya Chemicals and Fertilizers Limited (07/08/2027) **
INE027A08028		ICRA AA6.73%
8.39% JSW Steel Limited (13/05/2027) **
INE019A08058		ICRA AA+6.71%
7.70% Nuvoco Vistas Corporation Limited (18/09/2028)
INE118D08078		CRISIL AA6.66%
Net Receivables / (Payables)–2.72%
Corporate Debt Market Development Fund #
INF0RQ622028		–0.67%

From the fund house's monthly portfolio (boimf.in), as on 30 Sept 2026. Percentages are of the fund's net assets. Published about ten days after each month ends.

Risk

Volatility7.2%yearly, from daily NAVs
Worst fall-73.33%31 Aug 2018 → 30 Apr 2020
RiskometerModerately HighModerately High

Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 31 May 2016).

Fund details

Fund size (average AUM, July - September 2026)₹77.10 cr across all plans · this plan ₹30.95 cr
Fund houseBank of India Mutual Fund
CategoryDebt · Credit Risk
PlanRegular
OptionGrowth
Expense ratio (TER)Direct 0.61% · Regular 1.36% (6 Nov 2026)
Exit load• If redeemed/ switched-out within 1 year from the date of allotment: - For 10% of investments: Nil - For remaining investments:1% • If redeemed/ switched-out after 1 year from the date of allotment: Nil
Minimum investment₹5,000 · additional ₹1,000
Scheme code (AMFI)133868
ISININF761K01DG8
NAV date6 Nov 2026

Scheme details from the fund's scheme summary document filed with AMFI; expense ratios from AMFI's daily filings.

Other plans of this fund

PlanNAV1 year
Regular · Growth₹14.5480+16.65%

Top Credit Risk funds (regular plans)

Fund1 year3 years (a year)
DSP Credit Risk Fund+9.79%+12.93%
Aditya Birla Sun Life Credit Risk Fund+10.61%+12.09%
HSBC Credit Risk Fund+5.23%+10.82%
BANK OF INDIA CREDIT RISK FUND+17.15%+10.06%
BANK OF INDIA CREDIT RISK FUND+16.65%+9.64%
Axis Credit Risk Fund+7.77%+8.81%
Nippon India Credit Risk Fund (Existing Number of Segregated Portfolios - 1)+7.53%+8.39%
ICICI Prudential Credit Risk Fund+6.73%+8.29%

All Credit Risk funds ranked › · Compare with others ›

← All mutual funds

Information only, not investment advice.

What is the NAV of BANK OF INDIA CREDIT RISK FUND - Regular Plan - Growth today?

₹14.9893 as of 6 Nov 2026, from AMFI's official NAV data.

What are the returns of BANK OF INDIA CREDIT RISK FUND - Regular Plan - Growth?

1 year: 17.15%, 3 years: 10.06% a year, 5 years: 27.90% a year

How does BANK OF INDIA CREDIT RISK FUND rank in its category?

1 of 17 Credit Risk funds (regular plans, growth option) by 1-year return.

What is the difference between direct and regular plans?

Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.