Previously Known As : Boi Axa Corporate Credit Spectrum Fund
Bank Of India Credit Risk Fund Datagrid
Category Credit Risk Fund
BMSMONEY Rank 4
Rating
Growth Option 29-04-2026
NAV ₹13.41(R) -0.03% ₹13.79(D) -0.03%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 10.96% 7.69% 26.35% 10.72% 9.22%
Direct 11.41% 8.08% 26.76% 11.06% 9.51%
Benchmark
SIP (XIRR) Regular 13.07% 5.11% 16.78% 20.51% 13.67%
Direct 13.54% 5.51% 17.22% 20.92% 13.99%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.66 1.93 0.77 3.29% 1.03
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
2.77% 0.0% 0.0% -0.45 0.68%
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
HSBC Credit Risk Fund 3

NAV Date: 29-04-2026

Scheme Name NAV Rupee Change Percent Change
BANK OF INDIA Credit Risk Fund - Regular Plan 13.41
0.0000
-0.0300%
BANK OF INDIA Credit Risk Fund - Direct Plan 13.79
0.0000
-0.0300%

Review Date: 29-04-2026

Beginning of Analysis

Bank of India Credit Risk Fund is the 12th ranked fund in the Credit Risk Fund category. The category has total 13 funds. The 1 star rating shows a very poor past performance of the Bank of India Credit Risk Fund in Credit Risk Fund. The fund has a Jensen Alpha of 3.29% which is higher than the category average of 1.76%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 0.66 which is lower than the category average of 1.42.
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 0.51%, 1.66 and 7.87 in last one, three and six months respectively. In the same period the category average return was 1.27%, 2.1% and 3.93% respectively.
  • Bank of India Credit Risk Fund has given a return of 11.41% in last one year. In the same period the Credit Risk Fund category average return was 8.12%.
  • The fund has given a return of 8.08% in last three years and ranked 11.0th out of fourteen funds in the category. In the same period the Credit Risk Fund category average return was 9.47%.
  • The fund has given a return of 26.76% 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 10.03%.
  • The fund has given a return of 9.51% in last ten years and ranked 1st out of twelve funds in the category. In the same period the category average return was 7.78%.
  • The fund has given a SIP return of 13.54% in last one year whereas category average SIP return is 8.25%. The fund one year return rank in the category is 3rd in 14 funds
  • The fund has SIP return of 5.51% in last three years and ranks 5th in 14 funds. Dsp Credit Risk Fund has given the highest SIP return (13.35%) in the category in last three years.
  • The fund has SIP return of 17.22% in last five years whereas category average SIP return is 8.52%.

Bank of India Credit Risk Fund Risk Analysis

  • The fund has a standard deviation of 2.77 and semi deviation of 0.68. The category average standard deviation is 2.18 and semi deviation is 0.92.
  • The fund has a Value at Risk (VaR) of 0.0 and a maximum drawdown of 0.0. The category average VaR is -0.06 and the maximum drawdown is -0.19. 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 % 0.47
    1.20
    		0.47 | 6.71 14 | 14 Poor
    3M Return % 1.55
    1.91
    		1.11 | 5.94 9 | 14 Average
    6M Return % 7.65
    3.53
    		1.67 | 7.65 1 | 14 Very Good
    1Y Return % 10.96
    7.30
    		3.92 | 12.01 2 | 14 Very Good
    3Y Return % 7.69
    8.63
    		6.03 | 15.86 7 | 14 Good
    5Y Return % 26.35
    9.20
    		5.29 | 26.35 1 | 13 Very Good
    7Y Return % 10.72
    6.92
    		0.93 | 10.72 1 | 13 Very Good
    10Y Return % 9.22
    6.93
    		2.77 | 9.22 1 | 12 Very Good
    1Y SIP Return % 13.07
    7.43
    		3.73 | 14.24 2 | 14 Very Good
    3Y SIP Return % 5.11
    5.03
    		1.97 | 12.46 4 | 14 Very Good
    5Y SIP Return % 16.78
    7.68
    		4.41 | 16.78 1 | 13 Very Good
    7Y SIP Return % 20.51
    8.16
    		4.98 | 20.51 1 | 13 Very Good
    10Y SIP Return % 13.67
    6.89
    		3.24 | 13.67 1 | 12 Very Good
    Standard Deviation 2.77
    2.18
    		0.79 | 6.89 11 | 14 Average
    Semi Deviation 0.68
    0.92
    		0.53 | 2.23 6 | 14 Good
    Max Drawdown % 0.00
    -0.19
    		-0.88 | 0.00 4 | 14 Very Good
    VaR 1 Y % 0.00
    -0.06
    		-0.38 | 0.00 11 | 14 Average
    Average Drawdown % 0.00
    -0.14
    		-0.44 | 0.00 4 | 14 Very Good
    Sharpe Ratio 0.66
    1.42
    		0.26 | 2.52 13 | 14 Poor
    Sterling Ratio 0.77
    0.83
    		0.60 | 1.26 7 | 14 Good
    Sortino Ratio 1.93
    1.59
    		0.11 | 4.41 4 | 14 Very Good
    Jensen Alpha % 3.29
    1.76
    		-0.64 | 7.79 3 | 14 Very Good
    Treynor Ratio 1.03
    -0.26
    		-5.16 | 12.11 2 | 14 Very Good
    Modigliani Square Measure % 6.61
    7.71
    		6.18 | 9.27 13 | 14 Poor
    Alpha % -0.65
    -0.16
    		-2.67 | 3.41 7 | 14 Good
    Return data last Updated On : April 29, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.51 1.27 0.51 | 6.78 14 | 14 Poor
    3M Return % 1.66 2.10 1.34 | 6.15 9 | 14 Average
    6M Return % 7.87 3.93 2.18 | 7.87 1 | 14 Very Good
    1Y Return % 11.41 8.12 4.98 | 12.97 2 | 14 Very Good
    3Y Return % 8.08 9.47 7.09 | 16.75 11 | 14 Average
    5Y Return % 26.76 10.03 6.32 | 26.76 1 | 13 Very Good
    7Y Return % 11.06 7.75 1.70 | 11.06 1 | 13 Very Good
    10Y Return % 9.51 7.78 3.66 | 9.51 1 | 12 Very Good
    1Y SIP Return % 13.54 8.25 4.78 | 15.16 3 | 14 Very Good
    3Y SIP Return % 5.51 5.85 3.01 | 13.35 5 | 14 Good
    5Y SIP Return % 17.22 8.52 5.47 | 17.22 1 | 13 Very Good
    7Y SIP Return % 20.92 9.00 6.03 | 20.92 1 | 13 Very Good
    10Y SIP Return % 13.99 7.70 4.00 | 13.99 1 | 12 Very Good
    Standard Deviation 2.77 2.18 0.79 | 6.89 11 | 14 Average
    Semi Deviation 0.68 0.92 0.53 | 2.23 6 | 14 Good
    Max Drawdown % 0.00 -0.19 -0.88 | 0.00 4 | 14 Very Good
    VaR 1 Y % 0.00 -0.06 -0.38 | 0.00 11 | 14 Average
    Average Drawdown % 0.00 -0.14 -0.44 | 0.00 4 | 14 Very Good
    Sharpe Ratio 0.66 1.42 0.26 | 2.52 13 | 14 Poor
    Sterling Ratio 0.77 0.83 0.60 | 1.26 7 | 14 Good
    Sortino Ratio 1.93 1.59 0.11 | 4.41 4 | 14 Very Good
    Jensen Alpha % 3.29 1.76 -0.64 | 7.79 3 | 14 Very Good
    Treynor Ratio 1.03 -0.26 -5.16 | 12.11 2 | 14 Very Good
    Modigliani Square Measure % 6.61 7.71 6.18 | 9.27 13 | 14 Poor
    Alpha % -0.65 -0.16 -2.67 | 3.41 7 | 14 Good
    Return data last Updated On : April 29, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 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
    29-04-2026 13.4105 13.7853
    28-04-2026 13.4144 13.7892
    27-04-2026 13.4143 13.7888
    24-04-2026 13.41 13.7839
    23-04-2026 13.4106 13.7844
    22-04-2026 13.4126 13.7862
    21-04-2026 13.4104 13.7838
    20-04-2026 13.4074 13.7805
    17-04-2026 13.3994 13.7718
    16-04-2026 13.3951 13.7672
    15-04-2026 13.3922 13.764
    13-04-2026 13.3843 13.7556
    10-04-2026 13.3874 13.7582
    09-04-2026 13.3851 13.7557
    08-04-2026 13.3772 13.7474
    07-04-2026 13.3635 13.7331
    06-04-2026 13.3596 13.729
    02-04-2026 13.3529 13.7214
    30-03-2026 13.3472 13.7149

    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.