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: 25-10-2024
NAV ₹11.7(R) +0.02% ₹11.96(D) +0.02%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 6.16% 39.36% 10.73% -1.4% -%
LumpSum (D) 6.5% 39.76% 11.05% -1.14% -%
SIP (R) 5.82% 19.83% 24.15% 12.9% -%
SIP (D) 6.18% 20.22% 24.52% 13.18% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.43 12.94 3.8 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
70.75% 0.0% -0.29% - 11.99%
Top Credit Risk Fund
Fund Name Rank Rating
Dsp Credit Risk Fund 1
Aditya Birla Sun Life Credit Risk Fund 2
Icici Prudential Credit Risk Fund 3

NAV Date: 25-10-2024

Scheme Name NAV Rupee Change Percent Change
BANK OF INDIA Credit Risk Fund - Regular Plan 11.7
0.0000
0.0200%
BANK OF INDIA Credit Risk Fund - Direct Plan 11.96
0.0000
0.0200%

Review Date: 25-10-2024

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 6.16% in 1 year, 39.36% in 3 years and 10.73% in 5 years. The category average for the same periods is 8.22%, 9.2% and 6.62% respectively, which shows poor return performance of fund in the category. The fund has exhibited standard deviation of 70.75, 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 7.06, -0.22, -0.52, 1.83 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 ₹10650.0 in 1 year, ₹27298.0 in 3 years and ₹16889.0 in 5 years as of today (25-10-2024).
  2. An SIP of ₹1,000 per month in Bank of India Credit Risk Fund direct growth option would have grown to ₹12398.0 in 1 year, ₹48435.0 in 3 years and ₹110115.0 in 5 years as of today (25-10-2024).
  3. standard deviation of 70.75 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 % 0.58
0.61
-0.87 | 3.16 5 | 14 Good
3M Return % 1.31
2.20
1.17 | 5.15 13 | 14 Poor
6M Return % 2.23
4.31
2.23 | 8.27 14 | 14 Poor
1Y Return % 6.16
8.22
6.16 | 12.10 14 | 14 Poor
3Y Return % 39.36
9.20
4.71 | 39.36 1 | 13 Very Good
5Y Return % 10.73
6.62
0.78 | 10.73 1 | 13 Very Good
7Y Return % -1.40
5.14
-1.40 | 7.43 13 | 13 Poor
1Y SIP Return % 5.82
8.44
5.82 | 15.23 14 | 14 Poor
3Y SIP Return % 19.83
8.72
6.23 | 19.83 1 | 13 Very Good
5Y SIP Return % 24.15
7.92
4.80 | 24.15 1 | 13 Very Good
7Y SIP Return % 12.90
6.77
3.52 | 12.90 1 | 13 Very Good
Standard Deviation 70.75
7.06
0.92 | 70.75 13 | 13 Poor
Semi Deviation 11.99
1.83
0.74 | 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
-0.52
-1.08 | -0.26 4 | 13 Very Good
Sharpe Ratio 0.43
-0.38
-1.62 | 0.56 2 | 13 Very Good
Sterling Ratio 3.80
0.86
0.36 | 3.80 1 | 13 Very Good
Sortino Ratio 12.94
0.93
-0.45 | 12.94 1 | 13 Very Good
Return data last Updated On : Oct. 25, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Sept. 30, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 0.61 0.67 -0.80 | 3.24 5 | 14
3M Return % 1.40 2.40 1.40 | 5.38 14 | 14
6M Return % 2.41 4.72 2.41 | 8.74 14 | 14
1Y Return % 6.50 9.06 6.50 | 13.11 14 | 14
3Y Return % 39.76 10.03 5.72 | 39.76 1 | 13
5Y Return % 11.05 7.44 1.56 | 11.05 1 | 13
7Y Return % -1.14 5.98 -1.14 | 8.20 13 | 13
1Y SIP Return % 6.18 9.28 6.18 | 16.25 14 | 14
3Y SIP Return % 20.22 9.56 7.24 | 20.22 1 | 13
5Y SIP Return % 24.52 8.74 5.81 | 24.52 1 | 13
7Y SIP Return % 13.18 7.58 4.29 | 13.18 1 | 13
Standard Deviation 70.75 7.06 0.92 | 70.75 13 | 13
Semi Deviation 11.99 1.83 0.74 | 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 -0.52 -1.08 | -0.26 4 | 13
Sharpe Ratio 0.43 -0.38 -1.62 | 0.56 2 | 13
Sterling Ratio 3.80 0.86 0.36 | 3.80 1 | 13
Sortino Ratio 12.94 0.93 -0.45 | 12.94 1 | 13
Return data last Updated On : Oct. 25, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Sept. 30, 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 0.09 ₹ 10,009.00 0.09 ₹ 10,009.00
1M 0.58 ₹ 10,058.00 0.61 ₹ 10,061.00
3M 1.31 ₹ 10,131.00 1.40 ₹ 10,140.00
6M 2.23 ₹ 10,223.00 2.41 ₹ 10,241.00
1Y 6.16 ₹ 10,616.00 6.50 ₹ 10,650.00
3Y 39.36 ₹ 27,063.00 39.76 ₹ 27,298.00
5Y 10.73 ₹ 16,649.00 11.05 ₹ 16,889.00
7Y -1.40 ₹ 9,058.00 -1.14 ₹ 9,226.00
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 5.82 ₹ 12,374.74 6.18 ₹ 12,397.60
3Y ₹ 36000 19.83 ₹ 48,175.70 20.22 ₹ 48,435.26
5Y ₹ 60000 24.15 ₹ 109,161.24 24.52 ₹ 110,115.24
7Y ₹ 84000 12.90 ₹ 133,050.62 13.18 ₹ 134,401.09
10Y ₹ 120000 ₹ ₹
15Y ₹ 180000 ₹ ₹


Date Bank Of India Credit Risk Fund NAV Regular Growth Bank Of India Credit Risk Fund NAV Direct Growth
25-10-2024 11.7016 11.957
24-10-2024 11.6996 11.9548
23-10-2024 11.698 11.953
22-10-2024 11.6965 11.9514
21-10-2024 11.6947 11.9494
18-10-2024 11.6914 11.9457
17-10-2024 11.6913 11.9455
16-10-2024 11.6897 11.9437
15-10-2024 11.6873 11.9412
14-10-2024 11.6852 11.939
11-10-2024 11.6806 11.9338
10-10-2024 11.6783 11.9314
09-10-2024 11.6757 11.9286
08-10-2024 11.6718 11.9246
07-10-2024 11.6702 11.9227
04-10-2024 11.6649 11.9171
03-10-2024 11.6624 11.9144
01-10-2024 11.6588 11.9105
30-09-2024 11.6444 11.8956
27-09-2024 11.6381 11.8888
26-09-2024 11.6359 11.8865
25-09-2024 11.6336 11.884

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.