bank-of-india-credit-risk-fund-direct

Bank of India Credit Risk Fund - Direct

  1. Equity
  2. Growth
  • NAV as on Jul 02, 2025 ₹12.52
  • Total Returns 2.19% p.a.

Historical NAV, Returns and Performance

  • High
  • Low
  • CAGR
bank-of-india-credit-risk-fund-direct

Overview of Bank of India Credit Risk Fund - Direct

  • Fund House
    Bank of India Credit Risk Fund
  • Fund Size
    ₹110 Cr
  • Expense Ratio
    0.98%
  • Benchmark
    CRISIL Credit Risk Debt B-II Index
  • Risk Level
    Moderately High
  • Inception Date
    Feb 27, 2015
  • Lock-in period
    0
  • 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.
  • Minimum SIP Investment
    ₹0
  • Minimum Lump sum Investment
    ₹5000
  • Short Term Capital Gains
    20% (if redeemed within 1 year)
  • Long Term Capital Gains
    12.5% on profit of ₹1,25,000 if redeemed after 1 year

Bank of India Credit Risk Fund - Direct Returns Calculator

Investment type

Years
Total Invested Amount
₹ 12,00,000
Profit
₹ 12,00,000
Total Projected Returns
₹ 12,00,000
Annualised Returns
p.a.
Years
Total Invested Amount
Profit
₹1,00,000
Total Projected Returns
₹1,00,000
Annualised Returns
% p.a.

Bank of India Credit Risk Fund - Direct Performance vs Category

Time Period

  • 1 month
  • 3 months
  • 6 months
  • 1 year
  • 3 years
  • 5 years

This Fund

  • 0.54%
  • 1.69%
  • 3.72%
  • 6.55%
  • 6.19%
  • 27.2%

Category Average

  • 0.45%
  • 3.32%
  • 7.75%
  • 12.34%
  • 9.33%
  • 8.74%

Fund Asset Allocation

Top holdings

Top Sectors

More about Bank of India Credit Risk Fund - Direct

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 31 Mar 2025 the fund manages assets worth ₹110 Crores. The expense ratio is 0.98%.

This fund generated returns of 6.55% 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, Net CA & Others, R C F, Nirma and A B Real Estate.

Fund Managers

  • Alok Singh

Investment Objective

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.

bank-of-india-credit-risk-fund-direct

Frequently Asked Questions about Bank of India Credit Risk Fund - Direct

  1. Are {{fund_type}} risky?

    Growth funds carry higher risk since they invest in stocks expected to grow quickly, which can be volatile.

  2. Should I invest in {{fund_type}}?

    Yes, if you are looking for long-term capital appreciation and can handle short-term market ups and downs.

  3. How long should I stay invested in {{fund_type}}?

    It’s recommended to hold growth funds for at least five years to benefit from potential growth.

  4. Can I withdraw my investment from {{fund_type}} anytime?

    Yes, you can, but long-term holding is advised for best results.

  5. What are the expenses involved in {{fund_type}}?

    Growth funds usually have moderate to high expense ratios, around 1% to 2%, due to active management.

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