Bank of India Credit Risk Fund Regular Growth

Fund Overview

Fund Size

₹106 Cr

Expense Ratio

1.38%

ISIN

INF761K01DH6

Minimum SIP

₹1,000

Exit Load

4.00%

Inception Date

27 Feb 2015

About this fund

Bank of India Credit Risk Fund Regular Growth is a Credit Risk mutual fund schemes offered by BOI Mutual Fund. This fund has been in existence for 10 years, 8 months and 22 days, having been launched on 27-Feb-15.
As of 17-Nov-25, it has a Net Asset Value (NAV) of ₹12.50, Assets Under Management (AUM) of 106.30 Crores, and an expense ratio of 1.38%.

Bank of India Credit Risk Fund Regular Growth has given a CAGR return of 2.10% since inception.
The fund's asset allocation comprises around 0.00% in equities, 60.52% in debts, and 39.03% in cash & cash equivalents.
You can start investing in Bank of India Credit Risk Fund Regular Growth with a SIP of ₹1000 or a Lumpsum investment of ₹5000.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

+6.49%

+10.70% (Cat Avg.)

3 Years

+6.05%

+8.95% (Cat Avg.)

5 Years

+25.93%

+9.37% (Cat Avg.)

10 Years

+1.60%

+6.26% (Cat Avg.)

Since Inception

+2.10%

— (Cat Avg.)

Portfolio Summaryas of 31st October 2025

Debt	₹64.34 Cr	60.52%
Others	₹41.96 Cr	39.48%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
Treps	Cash - Repurchase Agreement	₹22.46 Cr	21.13%
Manappuram Finance Limited	Bond - Corporate Bond	₹10.11 Cr	9.51%
Nirma Limited	Bond - Corporate Bond	₹10.04 Cr	9.44%
Aditya Birla Real Estate Limited	Bond - Corporate Bond	₹10.03 Cr	9.43%
Vedanta Limited	Bond - Corporate Bond	₹10.01 Cr	9.42%
Small Industries Development Bk Of India ** #	Cash - Commercial Paper	₹9.76 Cr	9.18%
Net Receivables / (Payables)	Cash	₹9.26 Cr	8.72%
Rashtriya Chemicals And Fertilizers Limited	Bond - Corporate Bond	₹5.09 Cr	4.78%
360 One Prime Limited	Bond - Corporate Bond	₹5.05 Cr	4.75%
JSW Steel Limited	Bond - Corporate Bond	₹5.01 Cr	4.71%
Nuvoco Vistas Corporation Limited	Bond - Corporate Bond	₹5 Cr	4.70%
360 One Prime Limited	Bond - Corporate Bond	₹4.01 Cr	3.77%
Corporate Debt Market Development Fund #	Mutual Fund - Open End	₹0.47 Cr	0.45%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Instruments	Amount	Holdings
Bond - Corporate Bond	₹64.34 Cr	60.52%
Cash - Repurchase Agreement	₹22.46 Cr	21.13%
Cash - Commercial Paper	₹9.76 Cr	9.18%
Cash	₹9.26 Cr	8.72%
Mutual Fund - Open End	₹0.47 Cr	0.45%

Risk & Performance Ratios

Fund Managers

Alok Singh

Since February 2015

Additional Scheme Detailsas of 31st October 2025

ISIN

INF761K01DH6

Expense Ratio

1.38%

Exit Load

4.00%

Fund Size

₹106 Cr

Age

10 years 8 months

Lumpsum Minimum

₹5,000

Fund Status

Open Ended Investment Company

Benchmark

CRISIL Credit Risk Fund TR INR

Investment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

Capital Gains Taxation:

Dividend Taxation:

Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

Similar Credit Risk Funds

Fund name	Expense Ratio	Exit Load	Fund size	1Y
HSBC Credit Risk Fund Direct Growth Moderately High risk	1.0%	3.0%	₹535.11 Cr	21.7%
ICICI Prudential Credit Risk Fund Direct Growth Very High Risk	0.8%	1.0%	₹5915.79 Cr	10.2%
Nippon India Credit Risk Fund Direct Growth High Risk	0.7%	1.0%	₹1003.37 Cr	10.2%
Kotak Credit Risk Fund Direct Growth Moderately High risk	0.8%	1.0%	₹725.07 Cr	10.0%
HDFC Credit Risk Debt Fund Direct Growth Moderately High risk	1.0%	1.0%	₹7029.07 Cr	8.7%
HDFC Credit Risk Debt Fund Regular Growth Moderately High risk	1.6%	1.0%	₹7029.07 Cr	8.0%
HSBC Credit Risk Fund Regular Growth Moderately High risk	1.6%	3.0%	₹535.11 Cr	20.7%
ICICI Prudential Credit Risk Fund Regular Growth Very High Risk	1.4%	1.0%	₹5915.79 Cr	9.5%
Invesco India Credit Risk Fund Regular Growth Moderately High risk	1.4%	4.0%	₹153.04 Cr	9.6%
Invesco India Credit Risk Fund Direct Growth Moderately High risk	0.3%	4.0%	₹153.04 Cr	10.9%
UTI Credit Risk Fund Direct Growth Moderately High risk	0.9%	1.0%	₹257.92 Cr	8.4%
SBI Credit Risk Fund Direct Growth High Risk	0.9%	3.0%	₹2190.00 Cr	9.1%
Bank of India Credit Risk Fund Direct Growth Moderately High risk	1.0%	4.0%	₹106.30 Cr	6.9%
Bank of India Credit Risk Fund Regular Growth Moderately High risk	1.4%	4.0%	₹106.30 Cr	6.5%
DSP Credit Risk Fund Direct Growth Moderately High risk	0.4%	1.0%	₹208.47 Cr	22.6%
Axis Credit Risk Fund Direct Growth High Risk	0.8%	1.0%	₹367.08 Cr	9.8%
Axis Credit Risk Fund Regular Growth High Risk	1.6%	1.0%	₹367.08 Cr	8.9%
Kotak Credit Risk Fund Regular Growth Moderately High risk	1.7%	1.0%	₹725.07 Cr	9.0%
DSP Credit Risk Fund Regular Growth Moderately High risk	1.2%	1.0%	₹208.47 Cr	21.6%
SBI Credit Risk Fund Regular Growth High Risk	1.5%	3.0%	₹2190.00 Cr	8.4%
Nippon India Credit Risk Fund Regular Growth High Risk	1.4%	1.0%	₹1003.37 Cr	9.4%
UTI Credit Risk Fund Regular Growth Moderately High risk	1.6%	1.0%	₹257.92 Cr	7.7%
Baroda BNP Paribas Credit Risk Fund Direct Growth Moderately High risk	0.8%	1.0%	₹199.42 Cr	9.2%
Baroda BNP Paribas Credit Risk Fund Regular Growth Moderately High risk	1.6%	1.0%	₹199.42 Cr	8.4%
Aditya BSL Credit Risk Fund Direct Growth High Risk	0.7%	3.0%	₹1072.97 Cr	14.7%
Aditya BSL Credit Risk Fund Regular Growth High Risk	1.5%	3.0%	₹1072.97 Cr	13.7%
Bandhan Credit Risk Fund Direct Growth Moderate Risk	0.7%	1.0%	₹256.66 Cr	7.8%
Bandhan Credit Risk Fund Regular Growth Moderate Risk	1.7%	1.0%	₹256.66 Cr	6.7%

About the AMC

BOI Mutual Fund

+91 22 40479000

https://www.boimf.in/

Total AUM

₹13,440 Cr

Address

B/204, Tower 1, Peninsula Corporate Park, Mumbai, 400 013

Other Funds by BOI Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Bank of India Mid Cap Fund Direct Growth Very High Risk	1.1%	1.0%	₹691.38 Cr	-
Bank of India Money Market Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹261.19 Cr	-
Bank of India Consumption Fund Direct Growth Very High Risk	1.3%	1.0%	₹415.88 Cr	-
Bank of India Business Cycle Fund Direct Growth Very High Risk	1.0%	1.0%	₹560.17 Cr	-3.3%
Bank of India Multi Asset Allocation Fund Direct Growth Very High Risk	0.9%	1.0%	₹337.14 Cr	12.1%
Bank of India Midcap Tax Fund Series 1 Direct Growth Very High Risk	-	0.0%	₹64.25 Cr	9.8%
Bank of India Midcap Tax Fund Series 2 Direct Growth Very High Risk	-	0.0%	₹33.50 Cr	10.2%
Bank of India Mid & Small Cap Equity & Debt Direct Growth Very High Risk	0.7%	1.0%	₹1326.16 Cr	4.9%
Bank of India Conservative Hybrid Fund Direct Growth Moderate Risk	1.2%	1.0%	₹65.59 Cr	6.3%
Bank of India Balanced Advantage Fund Direct Growth Very High Risk	1.0%	1.0%	₹144.40 Cr	8.7%
Bank of India Multi Cap Fund Direct Growth Very High Risk	0.9%	1.0%	₹968.05 Cr	10.1%
Bank of India Bluechip Fund Direct Growth Very High Risk	0.7%	1.0%	₹207.85 Cr	8.5%
Bank of India Flexi Cap Fund Direct Growth Very High Risk	0.5%	1.0%	₹2260.69 Cr	6.6%
Bank of India Large & Mid Cap Equity Fund Direct Growth Very High Risk	0.8%	1.0%	₹436.69 Cr	9.0%
Bank of India Liquid Direct Growth Low to Moderate Risk	0.1%	0.0%	₹1512.94 Cr	6.7%
Bank of India S/T Income Direct Growth Low to Moderate Risk	0.5%	0.0%	₹245.86 Cr	8.1%
Bank of India Manufacturing and Infrastructure fund Direct Growth Very High Risk	0.6%	1.0%	₹659.16 Cr	11.2%
Bank of India Tax Advantage Fund Direct Growth Very High Risk	0.7%	0.0%	₹1417.05 Cr	1.7%
Bank of India Ultra Short Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹191.31 Cr	7.2%
Bank of India Credit Risk Fund Direct Growth Moderately High risk	1.0%	4.0%	₹106.30 Cr	6.9%
Bank of India Small Cap Fund Direct Growth Very High Risk	0.7%	1.0%	₹2015.66 Cr	1.3%
Bank of India Overnight Fund Direct Growth Low Risk	0.1%	0.0%	₹54.06 Cr	6.1%
Bank of India Arbitrage Fund Direct Growth Low Risk	0.4%	0.0%	₹43.16 Cr	6.4%

Risk Level

Your principal amount will be at Moderately High risk

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Still got questions?
We're here to help.

What is the current NAV of Bank of India Credit Risk Fund Regular Growth?

The NAV of Bank of India Credit Risk Fund Regular Growth, as of 17-Nov-2025, is ₹12.50.

What are the returns of Bank of India Credit Risk Fund Regular Growth?

The fund has generated 6.49% over the last 1 year and 6.05% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.

What is the portfolio composition of Bank of India Credit Risk Fund Regular Growth?

The fund's allocation of assets is distributed as 0.00% in equities, 60.52% in bonds, and 39.03% in cash and cash equivalents.

Who manages the Bank of India Credit Risk Fund Regular Growth?

The fund managers responsible for Bank of India Credit Risk Fund Regular Growth are:-

Alok Singh

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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Fund Overview

Fund Size

₹106 Cr

Expense Ratio

1.38%

ISIN

INF761K01DH6

Minimum SIP

₹1,000

Exit Load

4.00%

Inception Date

27 Feb 2015

Risk Level

Your principal amount will be at Moderately High risk