Investment type
Bank of India Credit Risk Fund - Direct is a mutual fund under the Growth category, managed by Bank of India Mutual Fund. It was launched on 13 Aug 2007, and has been active for over 18 years. As of 30 Jun 2025 the fund manages assets worth ₹107 Crores. The expense ratio is 1.1%.
This fund generated returns of 6.48% in the last 1 year. Since its inception, it has provided an average annual return of 2.19%.
The fund's investments are mainly concentrated in sectors like and .
The top five holdings in this fund include prominent companies such as TREPS, R C F, Net CA & Others, Nirma and A B Real Estate.
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.
Growth funds carry higher risk since they invest in stocks expected to grow quickly, which can be volatile.
Yes, if you are looking for long-term capital appreciation and can handle short-term market ups and downs.
It’s recommended to hold growth funds for at least five years to benefit from potential growth.
Yes, you can, but long-term holding is advised for best results.
Growth funds usually have moderate to high expense ratios, around 1% to 2%, due to active management.
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