Previously Known As : Boi Axa Corporate Credit Spectrum Fund
Bank Of India Credit Risk Fund Datagrid
Category Credit Risk Fund
BMSMONEY Rank 9
Rating
Growth Option 28-07-2026
NAV ₹14.33(R) +0.02% ₹14.75(D) +0.03%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 17.0% 9.62% 27.34% 22.1% 9.61%
Direct 17.52% 10.03% 27.76% 22.49% 9.9%
Benchmark
SIP (XIRR) Regular 20.0% 10.0% 17.0% 21.76% 14.84%
Direct 20.57% 10.44% 17.45% 22.19% 15.18%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.89 3.45 0.96 5.25% -0.06
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
4.11% 0.0% 0.0% -0.62 1.15%
Fund AUM As on: 30/12/2025 107 Cr
Top Credit Risk Fund
Fund Name Rank Rating
Aditya Birla Sun Life Credit Risk Fund 1
Nippon India Credit Risk Fund 2
ICICI Prudential Credit Risk Fund 3

NAV Date: 28-07-2026

Scheme Name NAV Rupee Change Percent Change
BANK OF INDIA Credit Risk Fund - Regular Plan 14.33
0.0000
0.0200%
BANK OF INDIA Credit Risk Fund - Direct Plan 14.75
0.0000
0.0300%

Review Date: 28-07-2026

Beginning of Analysis

In the Credit Risk Fund category, Bank of India Credit Risk Fund is the 12th ranked fund. The category has total 13 funds. The Bank of India Credit Risk Fund has shown a very poor past performence in Credit Risk Fund. The fund has a Jensen Alpha of 5.25% which is higher than the category average of 2.13%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 0.89 which is lower than the category average of 1.48.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Credit Risk Mutual Funds are designed for investors seeking higher returns by taking on higher credit risk. While they offer the potential for attractive yields, they come with significant risks, including the possibility of default and higher volatility. Investors should carefully assess their risk tolerance, investment horizon, and financial goals before investing in these funds. Additionally, it is crucial to choose funds managed by experienced fund managers with a proven track record in managing credit risk.

Bank of India Credit Risk Fund Return Analysis

  • The fund has given a return of 0.45%, 6.98 and 8.78 in last one, three and six months respectively. In the same period the category average return was 0.55%, 2.7% and 4.96% respectively.
  • Bank of India Credit Risk Fund has given a return of 17.52% in last one year. In the same period the Credit Risk Fund category average return was 8.78%.
  • The fund has given a return of 10.03% in last three years and ranked 4.0th out of fourteen funds in the category. In the same period the Credit Risk Fund category average return was 9.83%.
  • The fund has given a return of 27.76% in last five years and ranked 1st out of thirteen funds in the category. In the same period the Credit Risk Fund category average return was 10.16%.
  • The fund has given a return of 9.9% in last ten years and ranked 1st out of twelve funds in the category. In the same period the category average return was 7.77%.
  • The fund has given a SIP return of 20.57% in last one year whereas category average SIP return is 9.78%. The fund one year return rank in the category is 1st in 14 funds
  • The fund has SIP return of 10.44% in last three years and ranks 3rd in 14 funds. DSP Credit Risk Fund has given the highest SIP return (13.61%) in the category in last three years.
  • The fund has SIP return of 17.45% in last five years whereas category average SIP return is 9.2%.

Bank of India Credit Risk Fund Risk Analysis

  • The fund has a standard deviation of 4.11 and semi deviation of 1.15. The category average standard deviation is 2.4 and semi deviation is 1.03.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of 0.0. The category average VaR is -0.03 and the maximum drawdown is -0.18. The fund has a beta of 0.19 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Credit Risk Fund Category
  • Good Performance in Credit Risk Fund Category
  • Poor Performance in Credit Risk Fund Category
  • Very Poor Performance in Credit Risk Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.39
    0.49
    		0.29 | 0.67 12 | 14 Average
    3M Return % 6.83
    2.51
    		1.63 | 6.83 1 | 14 Very Good
    6M Return % 8.52
    4.56
    		3.25 | 8.52 1 | 14 Very Good
    1Y Return % 17.00
    7.95
    		4.82 | 17.00 1 | 14 Very Good
    3Y Return % 9.62
    9.00
    		6.39 | 16.01 4 | 14 Very Good
    5Y Return % 27.34
    9.32
    		5.46 | 27.34 1 | 13 Very Good
    7Y Return % 22.10
    8.04
    		1.47 | 22.10 1 | 13 Very Good
    10Y Return % 9.61
    6.93
    		2.69 | 9.61 1 | 12 Very Good
    1Y SIP Return % 20.00
    8.94
    		5.75 | 20.00 1 | 14 Very Good
    3Y SIP Return % 10.00
    7.07
    		4.08 | 12.74 3 | 14 Very Good
    5Y SIP Return % 17.00
    8.37
    		5.31 | 17.00 1 | 13 Very Good
    7Y SIP Return % 21.76
    8.68
    		5.44 | 21.76 1 | 13 Very Good
    10Y SIP Return % 14.84
    7.39
    		3.80 | 14.84 1 | 12 Very Good
    Standard Deviation 4.11
    2.41
    		0.86 | 7.39 12 | 14 Average
    Semi Deviation 1.15
    1.03
    		0.55 | 2.68 11 | 14 Average
    Max Drawdown % 0.00
    -0.19
    		-0.88 | 0.00 5 | 14 Good
    VaR 1 Y % 0.00
    -0.03
    		-0.36 | 0.00 11 | 14 Average
    Average Drawdown % 0.00
    0.14
    		0.00 | 0.48 14 | 14 Poor
    Sharpe Ratio 0.89
    1.48
    		0.47 | 2.29 12 | 14 Average
    Sterling Ratio 0.96
    0.89
    		0.63 | 1.48 4 | 14 Very Good
    Sortino Ratio 3.45
    1.91
    		0.24 | 5.25 2 | 14 Very Good
    Jensen Alpha % 5.25
    2.13
    		-0.69 | 8.65 3 | 14 Very Good
    Treynor Ratio -0.06
    0.75
    		-0.54 | 10.50 13 | 14 Poor
    Modigliani Square Measure % 1.19
    1.98
    		0.63 | 3.06 12 | 14 Average
    Alpha % 1.42
    0.68
    		-2.02 | 6.22 4 | 14 Very Good
    Return data last Updated On : July 28, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.45 0.55 0.35 | 0.74 12 | 14 Average
    3M Return % 6.98 2.70 1.83 | 6.98 1 | 14 Very Good
    6M Return % 8.78 4.96 3.65 | 8.78 1 | 14 Very Good
    1Y Return % 17.52 8.78 5.88 | 17.52 1 | 14 Very Good
    3Y Return % 10.03 9.83 7.45 | 16.91 4 | 14 Very Good
    5Y Return % 27.76 10.16 6.50 | 27.76 1 | 13 Very Good
    7Y Return % 22.49 8.87 2.24 | 22.49 1 | 13 Very Good
    10Y Return % 9.90 7.77 3.57 | 9.90 1 | 12 Very Good
    1Y SIP Return % 20.57 9.78 6.82 | 20.57 1 | 14 Very Good
    3Y SIP Return % 10.44 7.88 5.12 | 13.61 3 | 14 Very Good
    5Y SIP Return % 17.45 9.20 6.36 | 17.45 1 | 13 Very Good
    7Y SIP Return % 22.19 9.51 6.48 | 22.19 1 | 13 Very Good
    10Y SIP Return % 15.18 8.19 4.55 | 15.18 1 | 12 Very Good
    Standard Deviation 4.11 2.41 0.86 | 7.39 12 | 14 Average
    Semi Deviation 1.15 1.03 0.55 | 2.68 11 | 14 Average
    Max Drawdown % 0.00 -0.19 -0.88 | 0.00 5 | 14 Good
    VaR 1 Y % 0.00 -0.03 -0.36 | 0.00 11 | 14 Average
    Average Drawdown % 0.00 0.14 0.00 | 0.48 14 | 14 Poor
    Sharpe Ratio 0.89 1.48 0.47 | 2.29 12 | 14 Average
    Sterling Ratio 0.96 0.89 0.63 | 1.48 4 | 14 Very Good
    Sortino Ratio 3.45 1.91 0.24 | 5.25 2 | 14 Very Good
    Jensen Alpha % 5.25 2.13 -0.69 | 8.65 3 | 14 Very Good
    Treynor Ratio -0.06 0.75 -0.54 | 10.50 13 | 14 Poor
    Modigliani Square Measure % 1.19 1.98 0.63 | 3.06 12 | 14 Average
    Alpha % 1.42 0.68 -2.02 | 6.22 4 | 14 Very Good
    Return data last Updated On : July 28, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

    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.


    Date Bank Of India Credit Risk Fund NAV Regular Growth Bank Of India Credit Risk Fund NAV Direct Growth
    28-07-2026 14.3303 14.7511
    27-07-2026 14.3269 14.7473
    24-07-2026 14.3148 14.7339
    23-07-2026 14.3127 14.7314
    22-07-2026 14.3109 14.7292
    21-07-2026 14.3116 14.7297
    20-07-2026 14.3071 14.7248
    17-07-2026 14.3047 14.7214
    16-07-2026 14.3001 14.7163
    15-07-2026 14.2966 14.7124
    14-07-2026 14.2942 14.7096
    13-07-2026 14.301 14.7163
    10-07-2026 14.2966 14.7109
    09-07-2026 14.2919 14.7057
    08-07-2026 14.2874 14.7008
    07-07-2026 14.2966 14.71
    06-07-2026 14.2997 14.7128
    03-07-2026 14.297 14.7091
    02-07-2026 14.294 14.7058
    01-07-2026 14.2872 14.6985
    30-06-2026 14.2823 14.6934
    29-06-2026 14.2751 14.6857

    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.