Data shown is for informational purposes only and does not constitute investment advice. TopFund is not SEBI-registered. Consult a SEBI-registered advisor before investing.
BANK OF INDIA Credit Risk Fund - Regular Plan
★★★★★ 3rd-party
External rating
- Source: Third-party data provider (Groww/CRISIL)
- Original rating: 2/5, displayed as-is — TopFund does not modify third-party ratings
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: The provider's own rating methodology isn't disclosed here — see the provider's own site for their criteria
TopFund Score: 59/100 · Average
How this score is calculated
- Star rating (35%)2/5
- 3Y CAGR (30%)10.06%
- Expense ratio (20%)0.61%
- AUM (15%)₹69 Cr
Not investment advice — an analytical read of public fund data. Methodology →
Bank of India Mutual Fund · Debt · Credit Risk
₹14.9
AUM: ₹68 Cr
NAV updated 2 days ago
Plan
Regular
Option
Growth
Risk
Moderate to High
Expense Ratio
0.61%
Exit Load
Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 1 Year.
Fund Manager
Alok Singh
Inception
Feb 2015
Benchmark
CRISIL Credit Risk Debt B-II Index
Sharpe Ratio
1.48
Std Dev (1Y)
7.47%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+0.45%
3m
+1.54%
6m
+8.97%
1y
+17.85%
3y
+10.06%
5y
+27.76%
10y
+2.43%
since inception
+3.23%
TopFund's Take on BANK OF INDIA Credit Risk Fund - Regular Plan
BANK OF INDIA Credit Risk Fund - Regular Plan sits in the middle of the pack for Credit Risk funds, currently carrying a 2-star rating. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 59/100.
Cost: At 0.61%, the expense ratio is meaningfully cheaper — about 10% below the Credit Risk category average of 0.68% (based on 80 comparable funds). Lower costs compound in your favour over long holding periods.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a strong Sharpe ratio of 1.48 — the fund has generated solid returns relative to the volatility it exposed investors to. Separately, annualised volatility of 7.47% is on the lower side for a Credit Risk fund, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to investors whose goals and risk appetite align with a Debt fund.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
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Tools & Guides for This Fund
Frequently Asked Questions about BANK OF INDIA Credit Risk Fund - Regular Plan
The current NAV (Net Asset Value) of BANK OF INDIA Credit Risk Fund - Regular Plan is ₹14.9. NAV is updated every business day after market close by AMFI.
1Y: 17.85% · 3Y CAGR: 10.06% · 5Y CAGR: 27.76%
The expense ratio of BANK OF INDIA Credit Risk Fund - Regular Plan is 0.61% per annum. This is the annual fee charged by the fund to manage your investment.
BANK OF INDIA Credit Risk Fund - Regular Plan is managed by Alok Singh at Bank of India Mutual Fund.
BANK OF INDIA Credit Risk Fund - Regular Plan is classified as a Moderate to High risk fund. It is suitable for investors with a moderate risk appetite.
BANK OF INDIA Credit Risk Fund - Regular Plan is a Credit Risk fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in BANK OF INDIA Credit Risk Fund - Regular Plan with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of BANK OF INDIA Credit Risk Fund - Regular Plan is ₹69 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
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