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Bank of India Credit Risk Fund

Growth
DebtCredit Risk Fund
Small-size FundAssets Under Mgmt: ₹ 114 Cr
Moderately High RiskPrinciple investment will be at moderately high risk
12.060.03% (+0.00)

Price Chart

High
Low
Returns
0.00%
1M
6M
1Y
3Y
5Y
Max
SIP
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1M
6M
1Y
3Y
5Y
Max
SIP

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DebtCredit Risk Fund
Small-size FundAssets Under Mgmt: ₹ 114 Cr
Moderately High RiskPrinciple investment will be at moderately high risk

Key Metrics

Expense RatioExpense RatioNo LabelNo LabelNo LabelNo Label
1.037.012.07
No LabelNo LabelNo LabelNo LabelNo LabelNo Label
1.148.195.40

Scheme Info

PlanPlanLock inLock inExit LoadExit Load
Growth0 yrs3.00%
4% on or before 12M 3% after 12M but on or before 24M 2% after 24M but on or before 36M Nil after 36M
SIP Inv.SIP Inv.Min. LumpsumMin. Lumpsum
Not allowed₹ 5,000
Initial: ₹ 5,000 Incremental: ₹ 5,000
BenchmarkBenchmark
CRISIL Credit Risk Debt Index

About Credit Risk Fund

Credit risk funds are the debt funds which majorly lend money to low rated companies. The companies have to pay higher interest for their low rating which makes the fund more riskier as compared to other debt funds.

Peers & Comparison

Comparing 3 mutual funds from 
DebtCredit Risk Fund
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Mutual Fund1Y Returns1Y Returns3Y CAGR3Y CAGRLife CAGRLife CAGR
Bank of India Credit Risk Fund6.51%40.03%1.93%
HDFC Credit Risk Debt Fund8.91%6.83%8.81%
ICICI Pru Credit Risk Fund9.22%7.58%8.88%
SBI Credit Risk Fund8.75%7.53%8.62%

Price Comparison

Compare Bank of India Credit Risk Fund with any MF, ETF, stock or index
Compare Bank of India Credit Risk Fund with any MF, ETF, stock or index
Bank of India Credit Risk Fund
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Asset Allocation

Actual

Target

Mar 2024

Jun 2024

Sep 2024

Nov 2024

ACTUAL
Pref SharesCash & EquivalentsCorporate Debt0.00%0.38%32.62%67.01%

Mar 2024

Jun 2024

Sep 2024

Nov 2024

Tickertape Separator

Sector Distribution

+5 moreFMCG - Household ProductsFertilizers & Agro ChemicalsOthersDiversified ChemicalsMiscellaneous30.47 %8.73 %8.74 %10.80 %19.06 %22.19 %

Mar 2024

Jun 2024

Sep 2024

Nov 2024

Tickertape Separator

Sector Weightage

Sep 23Dec 23Mar 24Jun 24Sep 24Nov 2411.26%12.31%10.65%19.57%11.65%22.19%
Miscellaneous as a % of total holdings for last six quarters
Tickertape Separator

Current Holdings

Debt

Others

  • Constituent
    Holding Weight
    3M Change
  • 6.32% Century Textiles & Industries Limited (21/02/2025) **
    CRISIL AA
    3M change : 0.06 %|CRISIL AA

    Holdings

    10.40 %

    0.06 %
  • 7.99% Rashtriya Chemicals and Fertilizers Limited (07/08/2027)
    ICRA AA
    3M change : 8.74 %|ICRA AA

    Holdings

    8.74 %

    8.74 %
  • 8.4% Nirma Limited (07/04/2026) **
    CRISIL AA
    3M change : 8.73 %|CRISIL AA

    Holdings

    8.73 %

    8.73 %

AMC Profile

Bank of India Investment Managers (formerly BOI AXA Investment Managers) is a wholly owned subsidiary of Bank of India, which was founded in 1906 as a banking services company and later nationalised in 1969. The AMC BOI brings 14 years of rich experience in fund management catering to the needs of investors across various investment objectives. The fund house currently manages 17 varied mutual fund schemes across 2 lakh+ investors and 2700+ Cr. in AUM.

  • No.of Schemes

    20

  • Total AUM

    ₹ 11,329.79 Cr.

Fund Manager Profile

Alok Singh

AUM:  ₹7,318.91 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp: 12yrs

Qualification

PGDBA, CFA

Past Experience

Mr. Alok Singh has 12 years of experience in Fixed Income Fund Management. As part of his previous employer BNP Paribas Mutual Fund, Alok has won numerous awards for stellar fund performance over the last three years.

Manager Performance (0)

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Tax Implications

Invested period < 2 years

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments from 1st April 2023)

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments before 1st April 2023)

Gains are treated as long-term capital gains and taxed at 12.5%

Let’s calculate your returns after tax

Investment frequency

Monthly

One Time

Monthly Investment Amt. (₹)

Investment period (years)

CAGR (%)
This CAGR is calculated based on the actual past return given by the fund during the selected investment period. This is the annualised growth rate assuming monthly compounding.
Annual Income
As per the tax implications, in some cases, tax on MF returns depends on your annual income slab

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