Key metrics
Latest NAV
₹14.88
Day change
0.06%
Volatility
3.5%
Sharpe
3.27
Max drawdown
-0.5%
Expense ratio
0.51%
AUM
₹94 Cr
Category rank
1 / 7
Trailing returns
| Period | 1W | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
|---|---|---|---|---|---|---|---|---|---|
| Return | 0.26% | 0.62% | 1.93% | 9.05% | 18.01% | 10.12% | – | – | – |
Returns up to 1Y are absolute; 1Y and longer are annualised (CAGR). Source: public AMFI NAV data.
NAV history
Chart shows the fund's available daily NAV history. Daily NAV data begins around 2006, so older funds may predate this range.
About this fund
BANK OF INDIA CREDIT RISK FUND is a corporate-debt fund offered by Bank of India Mutual Fund, classified under Debt as Debt Scheme - Credit Risk Fund. Returns and risk depend on the credit quality and duration of the bonds held. Its latest NAV is ₹14.88, with assets under management of about ₹94 Cr (April - June 2026).
Performance analysis
Over the trailing one year, BANK OF INDIA CREDIT RISK FUND has recorded a return of about 18.0%, with a three-year return of 10.1%. Its annualised volatility is 3.5% — relatively low fluctuations — and its Sharpe ratio is 3.27, a measure of return per unit of risk taken. The direct-plan base expense ratio is 0.51%, deducted daily from the NAV.
Rolling returns
| Window | Avg | Median | Min | Max | % Pos | % >12 |
|---|---|---|---|---|---|---|
| 1Y | 7.83 | 6.48 | 4.11 | 18.01 | 100% | 14% |
| 3Y | 7.52 | 6.41 | 5.65 | 10.12 | 100% | 0% |
Each row takes every possible start date in the fund's history and computes the annualised return (CAGR) over that window. Avg/Median = the typical outcome; Min/Max = worst and best; % Pos = how often the window ended positive; % >12 = how often it beat 12% a year. Higher consistency means timing mattered less.
Frequently asked questions
What does BANK OF INDIA CREDIT RISK FUND invest in?
It invests primarily in bonds issued by companies and institutions.
How is this fund classified?
It is a Debt Scheme - Credit Risk Fund fund in the Debt group.
How often is the NAV updated?
Mutual fund NAVs are declared by the AMC on every business day. This page sources NAV from public AMFI data and refreshes twice daily.
What is its expense ratio?
0.51% (direct plan, base expense ratio), deducted daily from the NAV. Some platforms quote a higher all-in Total TER — verify with the AMC.
How is the rolling return calculated?
Rolling return averages the fund's annualised return over every possible window of a given length across its history, rather than a single start-to-end period — reducing the effect of one lucky or unlucky entry date.
Is past performance a guarantee of future returns?
No. Past performance does not indicate future results; mutual fund values fluctuate with markets. Read all scheme-related documents carefully before investing.
Compare with peers
Similar Debt Scheme - Credit Risk Fund
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y | TER % |
|---|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Credit Risk Fund Debt Scheme - Credit Risk Fund | 0.43 | 2.95 | 4.90 | 13.13 | 13.20 | 10.95 | 9.36 | 0.67 |
| BANDHAN CREDIT RISK FUND Debt Scheme - Credit Risk Fund | 0.32 | 2.30 | 3.45 | 6.25 | 7.39 | 6.40 | – | 0.56 |
| DSP Credit Risk Fund Debt Scheme - Credit Risk Fund | 0.34 | 2.20 | 9.34 | 11.37 | 16.83 | 13.37 | 8.78 | 0.34 |
| Kotak Credit Risk Fund Debt Scheme - Credit Risk Fund | 0.34 | 2.80 | 3.75 | 8.01 | 8.68 | 6.79 | 7.45 | – |
| SBI CREDIT RISK FUND Debt Scheme - Credit Risk Fund | 0.72 | 3.32 | 5.13 | 8.77 | 8.71 | 7.79 | 7.87 | 0.76 |
| ICICI Prudential Credit Risk Fund Debt Scheme - Credit Risk Fund | 0.41 | 2.91 | 4.40 | 8.84 | 9.19 | 8.04 | 8.49 | 0.68 |
More funds from Bank of India
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y | TER % |
|---|---|---|---|---|---|---|---|---|
| BANK OF INDIA ULTRA SHORT TERM FUND Income/Debt Oriented Schemes - Ultra Short Term Fund | 0.62 | 2.03 | 3.67 | 6.65 | 6.95 | 6.22 | 6.51 | – |
| BANK OF INDIA SHORT TERM FUND Income/Debt Oriented Schemes - Short Term Fund | 0.36 | 2.16 | 3.07 | 5.76 | 7.73 | 10.86 | 5.83 | – |
| BANK OF INDIA CONSERVATIVE HYBRID FUND Debt Scheme - Medium to Long Duration Fund | -0.18 | 1.66 | 2.26 | 4.18 | 6.78 | 9.81 | 7.40 | 0.94 |
| BANK OF INDIA BALANCED ADVANTAGE FUND Hybrid Scheme - Dynamic Asset Allocation or Balanced Advantage | -2.07 | 2.12 | 2.12 | 6.59 | 9.38 | 10.64 | 7.61 | 1.05 |
| BANK OF INDIA AGGRESSIVE HYBRID FUND Hybrid Scheme - Aggressive Hybrid Fund | 2.07 | 7.40 | 16.35 | 16.72 | 17.47 | 15.20 | 16.27 | – |
| BANK OF INDIA MID CAP TAX FUND SERIES 1 Equity Scheme - ELSS | 1.45 | 7.85 | 17.20 | 12.55 | 15.14 | 12.31 | – | 0.73 |
| BANK OF INDIA ARBITRAGE FUND Hybrid Scheme - Arbitrage Fund | 0.39 | 1.61 | 2.81 | 6.09 | 6.81 | 5.84 | – | 0.36 |
| BANK OF INDIA MID CAP TAX FUND Series 2 Equity Scheme - ELSS | 1.83 | 9.39 | 16.44 | 8.91 | 14.32 | 11.41 | – | 0.75 |
Returns ≥ 1Y are annualised (CAGR). TER = direct-plan base expense ratio. Click a fund to open its page.