Previously Known As : Boi Axa Corporate Credit Spectrum Fund
Bank Of India Credit Risk Fund Overview
Category Credit Risk Fund
BMSMONEY Rank 9
BMSMONEY Rating
Gro. Opt. As On: 09-12-2024
NAV ₹11.78(R) +0.03% ₹12.04(D) +0.03%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 6.22% 39.62% 10.53% -1.44% -%
LumpSum (D) 6.57% 40.03% 10.85% -1.18% -%
SIP (R) -10.12% 13.66% 23.64% 12.93% -%
SIP (D) -9.81% 14.03% 24.02% 13.22% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.44 14.7 3.84 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
70.73% 0.0% -0.29% - 11.99%
Top Credit Risk Fund
Fund Name Rank Rating
Aditya Birla Sun Life Credit Risk Fund 1
Icici Prudential Credit Risk Fund 2
Baroda BNP Paribas Credit Risk Fund 3

NAV Date: 09-12-2024

Scheme Name NAV Rupee Change Percent Change
BANK OF INDIA Credit Risk Fund - Regular Plan 11.78
0.0000
0.0300%
BANK OF INDIA Credit Risk Fund - Direct Plan 12.04
0.0000
0.0300%

Review Date: 09-12-2024

Bank of India Credit Risk Fund has shown poor performance in the Credit Risk Fund category. The fund has rank of 9 out of 13 funds in the category. The fund has delivered return of 6.22% in 1 year, 39.62% in 3 years and 10.53% in 5 years. The category average for the same periods is 8.2%, 9.33% and 6.69% respectively, which shows poor return performance of fund in the category. The fund has exhibited standard deviation of 70.73, VaR of 0.0, Average Drawdown of -0.29, Semi Deviation of 11.99 and Max Drawdown of -0.29. The category average for the same parameters is 7.08, -0.22, -0.54, 1.84 and -0.72 respectively. The fund has low risk in the category.

Key Points:

  1. An investment of ₹10,000 in Bank of India Credit Risk Fund direct growth option would have grown to ₹10657.0 in 1 year, ₹27455.0 in 3 years and ₹16736.0 in 5 years as of today (09-12-2024).
  2. An SIP of ₹1,000 per month in Bank of India Credit Risk Fund direct growth option would have grown to ₹11353.0 in 1 year, ₹44371.0 in 3 years and ₹108819.0 in 5 years as of today (09-12-2024).
  3. standard deviation of 70.73 and based on VaR one can expect to lose more than 0.0% of current value of fund in one year.
  4. Sharpe ratio of the fund is 0.44 which shows very good performance of fund in the credit risk fund category.


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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 0.40
0.52
0.30 | 0.66 11 | 14 Average
3M Return % 1.53
2.00
0.52 | 4.74 13 | 14 Poor
6M Return % 2.52
4.23
2.52 | 8.15 14 | 14 Poor
1Y Return % 6.22
8.20
6.22 | 12.18 14 | 14 Poor
3Y Return % 39.62
9.33
4.78 | 39.62 1 | 13 Very Good
5Y Return % 10.53
6.69
0.96 | 10.53 1 | 13 Very Good
7Y Return % -1.44
5.20
-1.44 | 7.49 13 | 13 Poor
1Y SIP Return % -10.12
-7.95
-10.12 | -2.68 14 | 14 Poor
3Y SIP Return % 13.66
6.70
4.61 | 13.66 1 | 13 Very Good
5Y SIP Return % 23.64
8.11
5.00 | 23.64 1 | 13 Very Good
7Y SIP Return % 12.93
6.91
3.85 | 12.93 1 | 13 Very Good
Standard Deviation 70.73
7.08
0.91 | 70.73 13 | 13 Poor
Semi Deviation 11.99
1.84
0.73 | 11.99 13 | 13 Poor
Max Drawdown % -0.29
-0.72
-2.85 | -0.26 3 | 13 Very Good
VaR 1 Y % 0.00
-0.22
-1.48 | 0.00 8 | 13 Good
Average Drawdown % -0.29
-0.54
-1.08 | -0.26 3 | 13 Very Good
Sharpe Ratio 0.44
-0.23
-1.44 | 0.69 3 | 13 Very Good
Sterling Ratio 3.84
0.88
0.37 | 3.84 1 | 13 Very Good
Sortino Ratio 14.70
1.15
-0.41 | 14.70 1 | 13 Very Good
Return data last Updated On : Dec. 9, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 29, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 0.43 0.58 0.35 | 0.72 12 | 14
3M Return % 1.62 2.19 0.76 | 4.97 13 | 14
6M Return % 2.70 4.64 2.70 | 8.62 14 | 14
1Y Return % 6.57 9.03 6.57 | 13.18 14 | 14
3Y Return % 40.03 10.17 5.79 | 40.03 1 | 13
5Y Return % 10.85 7.52 1.74 | 10.85 1 | 13
7Y Return % -1.18 6.04 -1.18 | 8.25 13 | 13
1Y SIP Return % -9.81 -7.24 -9.81 | -1.82 14 | 14
3Y SIP Return % 14.03 7.54 5.63 | 14.03 1 | 13
5Y SIP Return % 24.02 8.95 6.02 | 24.02 1 | 13
7Y SIP Return % 13.22 7.73 4.63 | 13.22 1 | 13
Standard Deviation 70.73 7.08 0.91 | 70.73 13 | 13
Semi Deviation 11.99 1.84 0.73 | 11.99 13 | 13
Max Drawdown % -0.29 -0.72 -2.85 | -0.26 3 | 13
VaR 1 Y % 0.00 -0.22 -1.48 | 0.00 8 | 13
Average Drawdown % -0.29 -0.54 -1.08 | -0.26 3 | 13
Sharpe Ratio 0.44 -0.23 -1.44 | 0.69 3 | 13
Sterling Ratio 3.84 0.88 0.37 | 3.84 1 | 13
Sortino Ratio 14.70 1.15 -0.41 | 14.70 1 | 13
Return data last Updated On : Dec. 9, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 29, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D 0.03 ₹ 10,003.00 0.03 ₹ 10,003.00
1W 0.11 ₹ 10,011.00 0.12 ₹ 10,012.00
1M 0.40 ₹ 10,040.00 0.43 ₹ 10,043.00
3M 1.53 ₹ 10,153.00 1.62 ₹ 10,162.00
6M 2.52 ₹ 10,252.00 2.70 ₹ 10,270.00
1Y 6.22 ₹ 10,622.00 6.57 ₹ 10,657.00
3Y 39.62 ₹ 27,216.00 40.03 ₹ 27,455.00
5Y 10.53 ₹ 16,496.00 10.85 ₹ 16,736.00
7Y -1.44 ₹ 9,033.00 -1.18 ₹ 9,202.00
10Y ₹ ₹
15Y ₹ ₹

Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.

Investment Period Invested Amount Regular Direct
XIRR % Current Value of Invested Amount XIRR % Current Value of Invested Amount
1Y ₹ 12000 -10.12 ₹ 11,332.07 -9.81 ₹ 11,352.82
3Y ₹ 36000 13.66 ₹ 44,133.98 14.03 ₹ 44,371.30
5Y ₹ 60000 23.64 ₹ 107,845.56 24.02 ₹ 108,819.24
7Y ₹ 84000 12.93 ₹ 133,199.39 13.22 ₹ 134,596.48
10Y ₹ 120000 ₹ ₹
15Y ₹ 180000 ₹ ₹


Date Bank Of India Credit Risk Fund NAV Regular Growth Bank Of India Credit Risk Fund NAV Direct Growth
09-12-2024 11.7826 12.0449
06-12-2024 11.7791 12.041
05-12-2024 11.7778 12.0395
04-12-2024 11.7748 12.0364
03-12-2024 11.7713 12.0326
02-12-2024 11.7697 12.0309
29-11-2024 11.7626 12.0233
28-11-2024 11.7603 12.0208
27-11-2024 11.7589 12.0192
26-11-2024 11.7583 12.0185
25-11-2024 11.7566 12.0167
22-11-2024 11.752 12.0117
21-11-2024 11.749 12.0085
19-11-2024 11.747 12.0062
18-11-2024 11.7458 12.0048
14-11-2024 11.7397 11.9982
13-11-2024 11.7379 11.9962
12-11-2024 11.7364 11.9946
11-11-2024 11.7353 11.9933

Fund Launch Date: 06/Feb/2015
Fund Category: Credit Risk Fund
Investment Objective: The Scheme ™s investment objective is to generate capital appreciation over the long term byinvesting predominantly in corporate debt across the credit spectrum within the universe ofinvestment grade rating. To achieve this objective, the Scheme will seek to make investmentsin rated, unrated instruments and structured obligations of public and private companies.However, there is no assurance or guarantee that the investment objective of the scheme willbe achieved.
Fund Description: An open ended debt scheme predominantly investing in AA and below rated corporatebonds (excluding AA+ rated corporate bonds)
Fund Benchmark: CRISIL Short Term Bond Fund Index
Source: Fund FactSheet

Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.