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Fund Overview

Fund Size

Fund Size

₹110 Cr

Expense Ratio

Expense Ratio

1.38%

ISIN

ISIN

INF761K01DH6

Minimum SIP

Minimum SIP

₹1,000

Exit Load

Exit Load

4.00%

Inception Date

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, 3 months and 23 days, having been launched on 27-Feb-15.
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹12.18, Assets Under Management (AUM) of 109.53 Crores, and an expense ratio of 1.38%.
  • Bank of India Credit Risk Fund Regular Growth has given a CAGR return of 1.93% since inception.
  • The fund's asset allocation comprises around 0.00% in equities, 54.29% in debts, and 45.28% 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

+5.84%

+11.43% (Cat Avg.)

3 Years

+5.89%

+8.98% (Cat Avg.)

5 Years

+26.85%

+9.73% (Cat Avg.)

10 Years

+1.77%

+6.35% (Cat Avg.)

Since Inception

+1.93%

(Cat Avg.)

Portfolio Summaryas of 31st May 2025

Debt59.47 Cr54.29%
Others50.06 Cr45.71%

Top Holdings

All Holdings

Equity

Debt & Others

NameType sortAmount sortHoldings sort
TrepsCash - Repurchase Agreement13.2 Cr12.05%
Net Receivables / (Payables)Cash11.75 Cr10.72%
Rashtriya Chemicals And Fertilizers LimitedBond - Corporate Bond10.23 Cr9.34%
Nirma LimitedBond - Corporate Bond10.07 Cr9.20%
Aditya Birla Real Estate LimitedBond - Corporate Bond10.06 Cr9.19%
JSW Steel LimitedBond - Corporate Bond10.04 Cr9.17%
Manappuram Finance LimitedBond - Corporate Bond10.02 Cr9.14%
360 One Prime LimitedBond - Corporate Bond10.01 Cr9.14%
Tata Capital Housing Finance LimitedBond - Corporate Bond9.04 Cr8.25%
Nuvoco Vistas Corporation LimitedBond - Corporate Bond5.01 Cr4.57%
Axis Bank LimitedCash - CD/Time Deposit4.92 Cr4.49%
Small Industries Development Bank Of IndiaCash - CD/Time Deposit4.71 Cr4.30%
Corporate Debt Market Development FundMutual Fund - Open End0.46 Cr0.42%

Allocation By Credit Quality (Debt)

AAA

AA

Other Allocation

Equity Sector

Debt & Others

InstrumentsAmount sortHoldings sort
Bond - Corporate Bond74.49 Cr68.01%
Cash - Repurchase Agreement13.2 Cr12.05%
Cash11.75 Cr10.72%
Cash - CD/Time Deposit9.63 Cr8.80%
Mutual Fund - Open End0.46 Cr0.42%
Preferred Stock0 Cr-

Risk & Performance Ratios

Standard Deviation

This fund

0.78%

Cat. avg.

2.58%

Lower the better

Sharpe Ratio

This fund

-1.05

Cat. avg.

1.02

Higher the better

Sortino Ratio

This fund

--

Cat. avg.

4.84

Higher the better

Fund Managers

AS

Alok Singh

Since February 2015

Additional Scheme Detailsas of 31st May 2025

ISIN
INF761K01DH6
Expense Ratio
1.38%
Exit Load
4.00%
Fund Size
₹110 Cr
Age
10 years 3 months
Lumpsum Minimum
₹5,000
Fund Status
Open Ended Investment Company
Benchmark
CRISIL Credit Risk Fund TR INR

Investment ObjectiveInvestment 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:

  • For investments made on or after 1 April 2023: The entire capital gain is added to the investor's income and is taxed based on the applicable income tax slab.
  • For investments made before 1 April 2023:
    • If sold within 2 years of investment: The capital gains are added to the investor's income and taxed according to the applicable tax slab.
    • If sold after 2 years of investment: The capital gains are taxed at a flat rate of 12.5%.
  • Holding the units: No tax is applicable as long as you hold the units.

Dividend Taxation:

Dividends are considered part of the investor’s income and are taxed according to their applicable tax slab. Additionally, if an investor’s dividend income exceeds INR 5,000 in a financial year, a 10% Tax Deducted at Source (TDS) is withheld by the fund house before distributing the dividend.

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 nameExpense RatioExit LoadFund size
1Y
HSBC Credit Risk Fund Direct Growth

Moderately High risk

1.0%3.0%₹657.46 Cr22.6%
ICICI Prudential Credit Risk Fund Direct Growth

High Risk

0.8%1.0%₹6135.44 Cr10.2%
Nippon India Credit Risk Fund Direct Growth

High Risk

0.7%1.0%₹1017.30 Cr10.4%
Kotak Credit Risk Fund Direct Growth

High Risk

0.8%1.0%₹704.00 Cr8.8%
HDFC Credit Risk Debt Fund Direct Growth

High Risk

1.0%1.0%₹7112.01 Cr9.5%
HDFC Credit Risk Debt Fund Regular Growth

High Risk

1.6%1.0%₹7112.01 Cr8.9%
HSBC Credit Risk Fund Regular Growth

Moderately High risk

1.7%3.0%₹657.46 Cr21.6%
ICICI Prudential Credit Risk Fund Regular Growth

High Risk

1.4%1.0%₹6135.44 Cr9.5%
Invesco India Credit Risk Fund Regular Growth

Moderately High risk

1.4%4.0%₹149.85 Cr10.5%
Invesco India Credit Risk Fund Direct Growth

Moderately High risk

0.3%4.0%₹149.85 Cr11.8%

About the AMC

Total AUM

₹10,605 Cr

Address

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

Other Funds by BOI Mutual Fund

Fund nameExpense RatioExit LoadFund size
1Y
Bank of India Midcap Tax Fund Series 1 Direct Growth

Very High Risk

-0.0%₹58.23 Cr-2.2%
Bank of India Midcap Tax Fund Series 2 Direct Growth

Very High Risk

-0.0%₹30.26 Cr-1.2%
Bank of India Mid & Small Cap Equity & Debt Direct Growth

Very High Risk

0.8%1.0%₹1198.04 Cr3.8%
Bank of India Conservative Hybrid Fund Direct Growth

Moderate Risk

1.1%1.0%₹69.54 Cr4.7%
Bank of India Balanced Advantage Fund Direct Growth

Very High Risk

1.2%1.0%₹139.06 Cr0.6%
Bank of India Multi Cap Fund Direct Growth

Very High Risk

1.0%1.0%₹856.84 Cr3.3%
Bank of India Bluechip Fund Direct Growth

Very High Risk

0.9%1.0%₹201.43 Cr-2.5%
Bank of India Flexi Cap Fund Direct Growth

Very High Risk

0.5%1.0%₹2152.50 Cr-2.1%
Bank of India Large & Mid Cap Equity Fund Direct Growth

Very High Risk

1.1%1.0%₹398.65 Cr0.3%
Bank of India Liquid Direct Growth

Low to Moderate Risk

0.1%0.0%₹1826.60 Cr7.3%
Bank of India S/T Income Direct Growth

Low to Moderate Risk

0.5%0.0%₹137.21 Cr10.9%
Bank of India Manufacturing and Infrastructure fund Direct Growth

Very High Risk

0.7%1.0%₹573.17 Cr0.9%
Bank of India Tax Advantage Fund Direct Growth

Very High Risk

0.8%0.0%₹1398.40 Cr-6.2%
Bank of India Ultra Short Duration Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹223.55 Cr7.6%
Bank of India Credit Risk Fund Direct Growth

High Risk

1.0%4.0%₹109.53 Cr6.2%
Bank of India Small Cap Fund Direct Growth

Very High Risk

0.5%1.0%₹1818.50 Cr2.9%
Bank of India Overnight Fund Direct Growth

Low Risk

0.1%0.0%₹72.02 Cr6.5%
Bank of India Arbitrage Fund Direct Growth

Low Risk

0.5%0.0%₹43.16 Cr7.1%

Risk Level

Your principal amount will be at High Risk

High Risk
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The NAV of Bank of India Credit Risk Fund Regular Growth, as of 18-Jun-2025, is ₹12.18.
The fund has generated 5.84% over the last 1 year and 5.89% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
The fund's allocation of assets is distributed as 0.00% in equities, 54.29% in bonds, and 45.28% in cash and cash equivalents.
The fund managers responsible for Bank of India Credit Risk Fund Regular Growth are:-
  1. Alok Singh