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Mutual FundsBank of India Credit Risk Fund Direct - GrowthB
Bank of India Credit Risk Fund Direct - Growth
5 Year Absolute Returns
221.71%
NAV (₹) on 17 Oct 2025
12.7593
1 Day NAV Change (₹)
0.00162
Morningstar
2
Value Research
About Fund
Bank of India Credit Risk Fund Direct - Growth is a Debt mutual fund scheme launched on 27 Feb 2015. Investors can begin their investment journey with a minimum SIP of ₹1,000 or a lumpsum investment of ₹5,000. The fund manages total assets worth ₹106.35 crores, and the current NAV stands at ₹12.7593 as of 17 Oct 2025. The fund has delivered absolute returns of 6.82% in the past 1 year. For the last 3 years the fund has delivered a CAGR of 6.47%. For 5 years it has given a CAGR of 26.33%. The expense ratio of the fund is 0.98%.
NAV
NIFTY50
NAV
NIFTY50
Returns Calculator
Based on Annualised Returns
Investment Type
SIP Amount
Investment Period
5Y
₹ 32.73 L
3.50%
₹ 36.98 L
8.00%
₹ 62.36 L
26.33%
Savings Account
Regular Funds
This Fund on Dhan
Total Investment
₹ 30,00,000
Returns
₹ 32,35,551 (107.85%)
Maturity Value
₹ 62,35,551
Disclaimer: Fixed deposits offer guaranteed returns. Mutual fund investments carry market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns.
Returns Vs Nifty 50
Start SIP with as Low as ₹100.
Historical NAV
Sorry, No Data Available at this Moment!
Asset Allocation
AUM
₹106.35 Cr
Cash Holding
-
Equity
-
Cash
-
Debt
-
Other
-
Fund Comparison
Fund Details
52W High NAV
₹ 12.7577
Min. SIP Amount
₹ 1,000.00
Min. Lumpsum Amount
₹ 5,000.00
AUM (in Cr.)
₹ 106.35
Expense Ratio
0.98%
Lock-in Period
No Lock in Period
52W Low NAV
₹ 11.9457
Inception Date
27 Feb 2015
Fund Age
10 Yrs
Benchmark
CRISIL Credit Risk Debt B-II Index
Scheme Type
Open Ended
Stamp Duty
0.005% (from July 1st 2020)
Exit Load
- 4.00% If Redeemed/switched Out Within 12 Months From The Date Of Allotment.
- 3.00% If Redeemed/switched Out After 12 Months But Within 24 Months From The Date Of Allotment.
- 2.00% If Redeemed/switched Out After 24 Months But Within 36 Months From The Date Of Allotment.
Tax Implication
- Returns to be taxed as per your normal Income Tax slab.
Fund Managers
Name
Alok Singh
Qualification
PGDBA, CFA
Fund Objective
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.
Risk-O-Meter
Investors understand that their principal will be at
Moderately High Risk
Risk Scale
Low
Moderately Low
Moderate
Moderately High
High
Very High
AMC Information
Bank of India Mutual Fund
Funds Managed
20
Assets Managed (₹ Cr)
₹ 13,108.34
Contact Details
Registered Address
B/204, Tower 1,Peninsula CorporatePark, Ganpatrao kadam marg,Lower Parel, Mumbai - 400013
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View AllFAQs
When was Bank of India Credit Risk Fund launched?
Bank of India Credit Risk Fund was launched on 27 Feb 2015.
What is the current NAV of Bank of India Credit Risk Fund?
The current NAV of Bank of India Credit Risk Fund is ₹12.7593 as of 17 Oct 2025.
What is the AUM of Bank of India Credit Risk Fund?
The latest value of AUM of Bank of India Credit Risk Fund is ₹106.35 crores as of 17 Oct 2025.
What is the rate of return of Bank of India Credit Risk Fund?
The return on investment of Bank of India Credit Risk Fund is:
- In the past 1Y: 6.82%
- In the past 3Y: 6.47%
- In the past 5Y: 26.33%
What is the expense ratio of Bank of India Credit Risk Fund?
The expense ratio of Bank of India Credit Risk Fund is 0.98%.
What is exit load of Bank of India Credit Risk Fund?
The exit load of Bank of India Credit Risk Fund is as follows:
4.00% If Redeemed/switched Out Within 12 Months From The Date Of Allotment.|3.00% If Redeemed/switched Out After 12 Months But Within 24 Months From The Date Of Allotment.|2.00% If Redeemed/switched Out After 24 Months But Within 36 Months From The Date Of Allotment.|nil
How risky is investing in Bank of India Credit Risk Fund?
On the risk scale of Low, Moderately Low, Moderate, Moderately High, High and Very High, the risk-o-meter of Bank of India Credit Risk Fund is Moderately High.
Who is the fund manager Bank of India Credit Risk Fund?
The fund manager of Bank of India Credit Risk Fund is Alok Singh.
What is the minimum investment required in Bank of India Credit Risk Fund?
If you wish to invest in Bank of India Credit Risk Fund, the minimum SIP amount is ₹1,000 and Lumpsum is ₹5,000.
How to invest in Bank of India Credit Risk Fund directly?
You can easily invest in mutual funds at 0% commission on Dhan. Here's how you can directly invest in Bank of India Credit Risk Fund:
- Open Demat Account on Dhan if you don't have one.
- Analyze the fund performance.
- Invest via SIP or Lumpsum.
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Bank of India Credit Risk Fund
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