Previously Known As : Boi Axa Corporate Credit Spectrum Fund
Bank Of India Credit Risk Fund Overview
Category Credit Risk Fund
BMSMONEY Rank 8
BMSMONEY Rating
Gro. Opt. As On: 17-01-2025
NAV ₹11.82(R) +0.02% ₹12.09(D) +0.02%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 5.93% 39.67% 10.48% -1.47% -%
LumpSum (D) 6.29% 40.08% 10.8% -1.21% -%
SIP (R) -10.99% 11.03% 23.44% 12.68% -%
SIP (D) -10.69% 11.39% 23.82% 12.97% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.43 14.66 3.85 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
70.73% 0.0% -0.29% - 11.98%
Top Credit Risk Fund
Fund Name Rank Rating
Aditya Birla Sun Life Credit Risk Fund 1
Icici Prudential Credit Risk Fund 2
Nippon India Credit Risk Fund 3

NAV Date: 17-01-2025

Scheme Name NAV Rupee Change Percent Change
BANK OF INDIA Credit Risk Fund - Regular Plan 11.82
0.0000
0.0200%
BANK OF INDIA Credit Risk Fund - Direct Plan 12.09
0.0000
0.0200%

Review Date: 17-01-2025

Bank of India Credit Risk Fund has shown poor performance in the Credit Risk Fund category. The fund has rank of 8 out of 13 funds in the category. The fund has delivered return of 5.93% in 1 year, 39.67% in 3 years and 10.48% in 5 years. The category average for the same periods is 7.85%, 9.45% and 6.82% 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 11.98 and Max Drawdown of -0.29. The category average for the same parameters is 7.08, -0.23, -0.51, 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 ₹10629.0 in 1 year, ₹27487.0 in 3 years and ₹16701.0 in 5 years as of today (17-01-2025).
  2. An SIP of ₹1,000 per month in Bank of India Credit Risk Fund direct growth option would have grown to ₹11292.0 in 1 year, ₹42714.0 in 3 years and ₹108331.0 in 5 years as of today (17-01-2025).
  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 0.43 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 % 0.25
0.46
0.25 | 0.63 14 | 14 Poor
3M Return % 1.13
1.53
1.13 | 1.77 14 | 14 Poor
6M Return % 2.47
3.86
2.47 | 7.06 14 | 14 Poor
1Y Return % 5.93
7.85
5.93 | 12.05 14 | 14 Poor
3Y Return % 39.67
9.45
4.91 | 39.67 1 | 13 Very Good
5Y Return % 10.48
6.82
3.14 | 10.48 1 | 13 Very Good
7Y Return % -1.47
5.25
-1.47 | 7.57 13 | 13 Poor
1Y SIP Return % -10.99
-8.74
-10.99 | -4.28 14 | 14 Poor
3Y SIP Return % 11.03
6.37
4.55 | 11.03 1 | 13 Very Good
5Y SIP Return % 23.44
8.07
4.96 | 23.44 1 | 13 Very Good
7Y SIP Return % 12.68
6.16
3.43 | 12.68 1 | 13 Very Good
Standard Deviation 70.73
7.08
0.91 | 70.73 13 | 13 Poor
Semi Deviation 11.98
1.84
0.73 | 11.98 13 | 13 Poor
Max Drawdown % -0.29
-0.72
-2.85 | -0.26 3 | 13 Very Good
VaR 1 Y % 0.00
-0.23
-1.48 | 0.00 8 | 13 Good
Average Drawdown % -0.29
-0.51
-1.08 | -0.26 3 | 13 Very Good
Sharpe Ratio 0.43
-0.23
-1.39 | 0.68 3 | 13 Very Good
Sterling Ratio 3.85
0.89
0.37 | 3.85 1 | 13 Very Good
Sortino Ratio 14.66
1.15
-0.40 | 14.66 1 | 13 Very Good
Return data last Updated On : Jan. 17, 2025.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 0.28 0.52 0.28 | 0.71 14 | 14
3M Return % 1.21 1.72 1.21 | 1.97 14 | 14
6M Return % 2.65 4.27 2.65 | 7.53 14 | 14
1Y Return % 6.29 8.69 6.29 | 13.05 14 | 14
3Y Return % 40.08 10.29 5.92 | 40.08 1 | 13
5Y Return % 10.80 7.65 3.92 | 10.80 1 | 13
7Y Return % -1.21 6.09 -1.21 | 8.32 13 | 13
1Y SIP Return % -10.69 -8.06 -10.69 | -3.47 14 | 14
3Y SIP Return % 11.39 7.21 5.56 | 11.39 1 | 13
5Y SIP Return % 23.82 8.91 5.99 | 23.82 1 | 13
7Y SIP Return % 12.97 6.96 4.18 | 12.97 1 | 13
Standard Deviation 70.73 7.08 0.91 | 70.73 13 | 13
Semi Deviation 11.98 1.84 0.73 | 11.98 13 | 13
Max Drawdown % -0.29 -0.72 -2.85 | -0.26 3 | 13
VaR 1 Y % 0.00 -0.23 -1.48 | 0.00 8 | 13
Average Drawdown % -0.29 -0.51 -1.08 | -0.26 3 | 13
Sharpe Ratio 0.43 -0.23 -1.39 | 0.68 3 | 13
Sterling Ratio 3.85 0.89 0.37 | 3.85 1 | 13
Sortino Ratio 14.66 1.15 -0.40 | 14.66 1 | 13
Return data last Updated On : Jan. 17, 2025.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D 0.02 ₹ 10,002.00 0.02 ₹ 10,002.00
1W 0.10 ₹ 10,010.00 0.11 ₹ 10,011.00
1M 0.25 ₹ 10,025.00 0.28 ₹ 10,028.00
3M 1.13 ₹ 10,113.00 1.21 ₹ 10,121.00
6M 2.47 ₹ 10,247.00 2.65 ₹ 10,265.00
1Y 5.93 ₹ 10,593.00 6.29 ₹ 10,629.00
3Y 39.67 ₹ 27,246.00 40.08 ₹ 27,487.00
5Y 10.48 ₹ 16,461.00 10.80 ₹ 16,701.00
7Y -1.47 ₹ 9,013.00 -1.21 ₹ 9,185.00
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 -10.99 ₹ 11,272.09 -10.69 ₹ 11,292.13
3Y ₹ 36000 11.03 ₹ 42,487.96 11.39 ₹ 42,714.43
5Y ₹ 60000 23.44 ₹ 107,347.56 23.82 ₹ 108,331.38
7Y ₹ 84000 12.68 ₹ 132,016.84 12.97 ₹ 133,412.33
10Y ₹ 120000 ₹ ₹
15Y ₹ 180000 ₹ ₹


Date Bank Of India Credit Risk Fund NAV Regular Growth Bank Of India Credit Risk Fund NAV Direct Growth
17-01-2025 11.8229 12.0906
16-01-2025 11.8209 12.0885
15-01-2025 11.818 12.0854
14-01-2025 11.8154 12.0826
13-01-2025 11.8145 12.0815
10-01-2025 11.8112 12.0779
09-01-2025 11.8089 12.0754
08-01-2025 11.8093 12.0756
07-01-2025 11.8092 12.0754
06-01-2025 11.8076 12.0737
03-01-2025 11.8027 12.0683
02-01-2025 11.8012 12.0667
01-01-2025 11.7989 12.0642
31-12-2024 11.7967 12.0618
30-12-2024 11.7918 12.0567
27-12-2024 11.8075 12.0725
26-12-2024 11.8046 12.0693
24-12-2024 11.8009 12.0653
23-12-2024 11.7994 12.0637
20-12-2024 11.7957 12.0596
19-12-2024 11.7944 12.0581
18-12-2024 11.7951 12.0587
17-12-2024 11.7936 12.057

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.