GMP IPO Watch
BANK OF INDIA CREDIT RISK FUND
Regular Plan · Growth · Bank of India Mutual Fund
Returns
Annualised (CAGR) returns for periods over a year.
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Rank in Category
| Period | This Fund | Category Avg. | Rank |
|---|---|---|---|
| 1W | +0.18% | +0.44% | 13 of 14 |
| 1M | +0.28% | +0.31% | 8 of 14 |
| 3M | +1.26% | +0.77% | 2 of 14 |
| 6M | +2.79% | +2.95% | 10 of 14 |
| YTD | +15.64% | +5.91% | 1 of 14 |
| 1Y | +16.57% | +6.84% | 1 of 14 |
| 2Y | +11.35% | +8.39% | 4 of 14 |
| 3Y | +9.59% | +8.16% | 4 of 14 |
| 5Y | +27.42% | +8.60% | 1 of 13 |
| 7Y | +22.40% | +7.38% | 1 of 13 |
| 10Y | +9.43% | +5.84% | 1 of 12 |
| INCEPTION | +9.56% | — | — |
Ranked among: Debt Scheme - Credit Risk Fund.
Rolling Returns
| Period | Average | Best | Worst | Positive Periods | Consistency |
|---|---|---|---|---|---|
| 3M | +3.63% | +137.08% | -47.57% | 91% | 34% |
| 6M | +7.69% | +138.40% | -48.02% | 90% | 33% |
| 1Y | +15.88% | +149.58% | -49.19% | 84% | 31% |
| 2Y | +12.51% | +68.04% | -26.84% | 78% | 31% |
| 3Y | +11.41% | +44.63% | -16.27% | 68% | 27% |
| 5Y | +11.31% | +27.67% | -6.38% | 69% | 29% |
| 7Y | +10.55% | +22.80% | -1.20% | 99% | 43% |
| 10Y | +9.24% | +9.80% | +8.84% | 100% | 44% |
Rolling returns show the average, best and worst outcome an investor would have seen entering at any point in the window.
NAV History
AUM Trend (₹ Cr, quarterly average)
Expense Ratio Trend
Portfolio · Sep 2026
Asset Allocation
- Equity0.00%
- Debt74.99%
- Cash25.01%
- Other0.00%
Market Cap Split
- Large Cap0.00%
- Mid Cap0.00%
- Small Cap0.00%
- Others100.00%
Holdings · Sep 2026
| Holding | Sector | Weight | Change (1M) |
|---|---|---|---|
| TREPS | Reverse Repo / TREPS | 22.29% | — |
| 8.5% Nirma Limited (07/04/2027) ** | Debt | 10.78% | -0.89% |
| 8.35% Aditya Birla Real Estate Limited (30/08/2027) ** | Debt | 9.43% | -0.80% |
| 9.40% 360 One Prime Limited (04/03/2027) | Debt | 9.32% | +2.02% |
| 8.65% Aadhar Housing Finance Limited (20/08/2027) ** | Debt | 9.19% | — |
| 8.60% Manappuram Finance Limited (24/03/2028) ** | Debt | 8.70% | — |
| 9.45% Vedanta Limited (05/06/2028) ** | Debt | 6.80% | -0.57% |
| 7.99% Rashtriya Chemicals and Fertilizers Limited (07/08/2027) ** | Debt | 6.73% | -0.57% |
| 8.39% JSW Steel Limited (13/05/2027) ** | Debt | 6.71% | -0.56% |
| 7.70% Nuvoco Vistas Corporation Limited (18/09/2028) | Debt | 6.66% | -0.52% |
| Net Receivables / (Payables) | Net Current Assets | 2.72% | — |
| Corporate Debt Market Development Fund | Debt | 0.67% | -0.05% |
Risk Metrics
Standard Deviation
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 7.40 | 2.32 | High Volatility |
| 3Y | 4.37 | 2.42 | High Volatility |
| 5Y | 55.70 | 6.27 | High Volatility |
What is this?
Annualized population standard deviation of daily denomination-adjusted NAV returns, multiplied by sqrt(252). Values require a full timeframe of NAV history.
Sharpe Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 1.52 | 0.07 | Above Average |
| 3Y | 0.90 | 1.11 | Below Average |
| 5Y | 0.50 | 0.54 | Below Average |
What is this?
Annualized Sharpe ratio calculated from month-end NAV returns using the latest available FBIL Overnight MIBOR rate as the risk-free rate. For schemes with less than three years of history, the 3Y value uses since-inception data. Applied risk-free rate: 5.73% (published 2026-10-28).
Sortino Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 78.11 | 13.87 | Above Average |
| 3Y | 39.35 | 17.58 | Above Average |
| 5Y | 128.26 | 20.58 | Above Average |
What is this?
Annualized from daily NAV returns using a 0.00% minimum acceptable return; downside deviation includes only returns below this target.
Beta
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | -0.24 | 0.77 | Good Risk Adjusted Returns |
| 3Y | -0.17 | 0.08 | Good Risk Adjusted Returns |
| 5Y | 0.48 | 0.19 | Poor Risk Adjusted Returns |
What is this?
This value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market.
Compare With Peers
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
|
Aditya Birla Sun Life Credit Risk Fund
Regular Plan · GROWTH
|
+10.47% | +12.00% | +9.89% | +8.44% |
|
DSP Credit Risk Fund
Regular Plan · Growth
|
+9.64% | +12.85% | +12.49% | +7.89% |
|
SBI CREDIT RISK FUND
Regular Plan · Growth
|
+6.69% | +7.72% | +7.00% | +7.70% |
|
Axis Credit Risk Fund
Regular Plan · Growth Option
|
+6.69% | +7.88% | +6.82% | +7.17% |
|
ICICI Prudential Credit Risk Fund
Regular Plan · Growth
|
+6.45% | +8.17% | +7.25% | +8.17% |
|
Nippon India Credit Risk Fund (Existing Number of Segregated Portfolios - 1)
Regular Plan · Growth option
|
+6.33% | +7.95% | +7.05% | +6.91% |
|
Baroda BNP Paribas Credit Risk Fund (scheme has Two segregated portfolios)
Regular Plan · Growth Option
|
+6.18% | +7.49% | +8.46% | +7.74% |
|
Invesco India Credit Risk Fund
Regular Plan · Growth
|
+5.80% | +7.58% | +7.13% | +6.21% |
|
Kotak Credit Risk Fund
Regular Plan · Standard Income Distribution cum capital withdrawal option
|
+5.34% | +7.36% | +5.71% | +2.06% |
|
BANDHAN CREDIT RISK FUND
Direct Plan · Growth
|
+5.21% | +7.12% | +6.31% | +6.93% |
More From Bank of India Investment Managers Private Limited
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
|
BANK OF INDIA SMALL CAP FUND
Direct Plan · IDCW
|
+20.61% | +19.35% | +18.69% | +22.06% |
|
BANK OF INDIA MANUFACTURING & INFRASTRUCTURE FUND
Direct Plan · Growth
|
+13.79% | +21.82% | +20.03% | +17.43% |
|
BANK OF INDIA AGGRESSIVE HYBRID FUND
Direct Plan · Growth
|
+10.31% | +15.80% | +14.07% | +15.94% |
|
BANK OF INDIA MULTI CAP FUND
Direct Plan · Growth
|
+7.33% | +17.10% | — | +21.39% |
|
BANK OF INDIA LIQUID FUND
Direct Plan · Growth
|
+6.51% | +6.93% | +6.46% | +6.83% |
|
BANK OF INDIA ARBITRAGE FUND
Direct Plan · Growth
|
+6.46% | +6.83% | +6.03% | +5.46% |
|
Bank of India Money Market Fund
Direct Plan · Growth
|
+6.45% | — | — | +7.05% |
|
BANK OF INDIA FLEXI CAP FUND
Direct Plan · IDCW
|
+6.41% | +18.72% | +15.42% | +22.05% |
|
BANK OF INDIA ULTRA SHORT TERM FUND
Direct Plan · Bonus
|
+6.32% | +6.85% | +6.29% | +6.93% |
|
Bank of India Multi Asset Allocation Fund
Direct Plan · Growth
|
+5.68% | — | — | +9.19% |
About This Scheme
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. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.
Stated Asset Allocation
Corporate Debt (including securitized debt-65% to 100%-Medium to High Money market instruments-0% to 35%-Low
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
Fund Managers
Mr.Alok Singh
Primary Fund Manager having around 20 years of experience, including 16 years in mutual fund industry.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance is not indicative of future returns. Data is sourced from AMFI and fund houses via FinAPI and may lag official figures.