Bank of India Credit Risk Fund Regular Growth

Bank of India Credit Risk Fund Regular Growth

Debt

BOI AXA Mutual Fund

Credit Risk

Get the latest NAV of Bank of India Credit Risk Fund Regular Growth. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.

₹13.30

▲0.1%1D

NAV as on 17 Mar 2026

2.61%/per year

Since Inception

Absolute Gain%

▲▼

Bank of India Credit Risk Fund Regular Growth Performance vs. Credit Risk Index

Fund returns vs Benchmark returns vs Category Average returns as on (17-Mar-26)

The fund has outperformed the benchmark (Credit Risk Index) over 1Y, 5Y, but underperformed over 3Y.

Period
1M
3M
6M
1Y
3Y
5Y
This Fund
0.27%
6.11%
7.96%
11.59%
7.73%
27.16%
Credit Risk Index
0.15%
1.67%
3.21%
8.44%
7.81%
9.07%
Credit Risk Avg
0.15%
1.68%
3.28%
9.02%
8.96%
9.5%
Best in Credit Risk
1.02%
6.15%
8.14%
20.7%
15.17%
27.55%
Worst in Credit Risk
-0.05%
0.38%
1.79%
6.54%
7.34%
6.51%

Peer comparison

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
3Y Alpha
3Y Beta
3Y Sharpe
3Y Sortino
3Y Info Ratio
Bank of India Credit Risk Fund Regular Growth
-
105Cr
1.38%
11.59%
7.73%
2.74
-0.96
0.39
2.37
-0.22
Nippon India Credit Risk Fund
1/7
1,059Cr
1.48%
8.74%
8.43%
0.14
0.97
2.25
8.29
0.32
ICICI Prudential Credit Risk Fund
2/7
5,946Cr
1.4%
8.8%
8.37%
0.34
0.86
1.95
5.38
0.16
SBI Credit Risk Fund
3/7
2,166Cr
1.56%
7.67%
8.1%
-0.42
1.13
1.22
4.32
-0.23
See all

Bank of India Credit Risk Fund Regular Growth Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

  • 1-time

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Total Investment

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Profit

Total Corpus

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Absolute Return
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Bank of India Credit Risk Fund Regular Growth Asset Allocation

See fund asset allocation details as on (14-Mar-26)

Fund Distribution

as on (14-Mar-26)

AA
78.5%
AAA
21.5%
Cash allocation has gone down from 61.7% to 61.5%
Cash allocation has gone down from 61.7% to 61.5%
Debt allocation has gone up from 37.8% to 38.1%
Debt allocation has gone up from 37.8% to 38.1%

Bank of India Credit Risk Fund Regular Growth Sector Allocation

See fund sector allocation details as on (14-Mar-26)

Sector Allocation

Corporate
52.6%
Cash Equivalent
47.4%

Top Sector in February was Corporate

Feb'26

Corporate

48%

Jan'26

Corporate

55%

Bank of India Credit Risk Fund Regular Growth Overview

Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.

Expense ratio1.38%
Benchmark
CRISIL Credit Risk Fund TR INR
AUM₹105 Cr
Inception Date27 February, 2015
Min Lumpsum/SIP--/--
Exit Load
4.0%
Lock InNo Lock-in
TurnOver
114.03%
Risk
Risk meter
pointer
Moderately High risk

About Bank of India Credit Risk Fund Regular Growth

Bank of India Credit Risk Fund Regular Growth is a debt fund. This fund was started on 27 February, 2015. The fund is managed by Alok Singh. This fund is suitable to keep your money safe.

Key Parameters

  1. Bank of India Credit Risk Fund Regular Growth has ₹105 Cr worth of assets under management (AUM) as on Mar 2026 and is more than category average.
  2. The fund has an expense ratio 1.4.

Returns

Bank of India Credit Risk Fund Regular Growth has given a CAGR return of 2.61% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 11.59%, 7.73% and 27.16% respectively.

Holdings

Bank of India Credit Risk Fund Regular Growth has allocated its funds majorly in Cash Equivalent, Corporate. Its top holdings are Vedanta Limited, Manappuram Finance Limited, Nirma Limited, Aditya Birla Real Estate Limited, Indian Bank

Taxation

As it is a credit risk mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of Bank of India Credit Risk Fund Regular Growth

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.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 5000.00 and for SIP is INR 1000.00. Bank of India Credit Risk Fund Regular Growth has no lock in period.

Fund Manager

Alok Singh

Fund Manager of Bank of India Credit Risk Fund Regular Growth, since 27 February 2015

Learn more about BOI AXA Mutual Fund
Parameters
Feb'26
Jan'26
Dec'25
AUM
₹ 105.5 Cr
₹ 110.9 Cr
₹ 107 Cr
  • AUM of the fund stands at 105.5 Cr as of Feb'26
  • AUM decreased by 5.5 Cr between Feb'26 and Jan'26

Frequently Asked Questions for Bank of India Credit Risk Fund Regular Growth

How do I invest in Bank of India Credit Risk Fund Regular Growth?

INDmoney makes it simple to invest in the Bank of India Credit Risk Fund Regular Growth. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘Bank of India Credit Risk Fund Regular Growth’.
  • Select whether you want to invest in SIP or lump sum.
  • Enter the amount you wish to invest.
  • Set up payments via bank mandate or UPI.

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

The NAV of the fund today is ₹13.30. NAV or Net Asset Value is the per unit price of a mutual fund. For example, if the NAV of a fund is ₹10, it means you can get 1000 units of that mutual fund at ₹10,000.

What is the return on the fund?

Bank of India Credit Risk Fund Regular Growth fund has generated a return of 11.59% in 1 year, 7.73% in 3 years, 27.16% in 5 years.

Who is the fund manager of Bank of India Credit Risk Fund Regular Growth?

The fund managers are Alok Singh.

What is the exit load of the fund?

The exit load is 4% if redeemed in 0-12 Months, 3% if redeemed in 12-24 Months, 2% if redeemed in 24-36 Months. Exit load is a fee levied for ‘exiting’ the fund earlier than a stipulated period, usually 1 year.

What is the expense ratio of the fund?

The expense ratio is 1.38%. The Expense Ratio is a fee charged for managing the fund. This includes commissions, administrative costs etc.

What is the AUM of the fund?

The AUM of the fund is ₹105 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

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

The top 3 holdings of the fund are Vedanta Limited(9.58%), Manappuram Finance Limited(9.5%), Nirma Limited(9.49%)