ReviewDirect · Growth
BANK OF INDIA CREDIT RISK FUND
Bank of India Mutual FundDebt Scheme - Credit Risk Fund11.5 years
The Scheme will invest predominantly in corporate debt securities. There will be no exposure in the portfolio to dated Government Securities and State Development Loans.
- NAV
- 14.8853
- 15 Sept 2026
- 1Y
- +17.9%
- Trailing CAGR
- AUM
- ₹68.71 Cr
- 31 Aug 2026
- Volatility
- n/a
- History still thin
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+17.9%
- 3Y+10.1%
- 5Y+27.8%
- 10Y+2.5%
- SI+3.5%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+18.1%
- 3Y+12.4%
- 5Y+16.4%
- 10Y+10.8%
- Since inception
- +3.5%
- Calendar-day CAGR
- Excess 1Y
- +7.9%
- Category median, same plan and option
- 3Y win rate
- +44%
- Windows beating the median
- 3Y percentile
- 67
- Vs comparable share classes
- Worst rolling 3Y
- -33.3%
- 2061 daily-ending windows
- Median rolling 3Y
- +6.7%
- Calendar-day CAGR
- Positive rolling 5Y
- +35%
- 1578 daily-ending windows
- SIP 3Y XIRR
- +12.4%
- Simulated monthly SIP
Drawdown
Peak to trough from a running NAV high. Move across the path to read a date.
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 29 days
- 86 recovered episodes
- Longest recovery
- 2193 days
- Trough to prior peak
- Current spell
- 2 days
- Days below latest peak
- Time below peak
- +75%
- NAV observations
3 Sept 2018 – 30 Apr 2026
Trough 28 Apr 2020 · recovered in 2193 days
-73.4%
6 Dec 2016 – 2 Jan 2017
Trough 8 Dec 2016 · recovered in 25 days
-0.4%
9 Apr 2018 – 7 May 2018
Trough 26 Apr 2018 · recovered in 11 days
-0.4%
8 May 2018 – 28 May 2018
Trough 17 May 2018 · recovered in 11 days
-0.3%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
67
Vs category
99
Consistency
45
Risk-adjusted
n/a
Drawdown
0
Mean
53
Portfolio
31 Aug 2026 · 11 holdings · top 10 are 99.3%.
- Top 5
- 68.3%
- Top 10
- 99.3%
- Largest holding
- 26.9%
- Effective holdings
- 7.2
Repo
Unspecified
26.9%
INDIAN BANK CD 04DEC26
Financial
12.2%
NIRMA LIMITED SR VII TR C 8.50 NCD 07AP27 FVRS1LAC
Consumer Staples
11.7%
CENTURY TEXTILES AND INDUSTRIES LIMITED 8.35 NCD 30AG27 FVRS1LAC
Materials
10.2%
VEDANTA LIMITED SR II 9.45 NCD 05JU28 FVRS1LAC
Materials
7.4%
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 11 Sept 2026
Review
Engine status
Review
Closer look
Why this status
- Maximum drawdown exceeded 35%.
Supporting reads
- Three-year return is above the category median.
Risk metrics are withheld because the NAV history contains an implausible daily move above 50%.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
Aditya Birla Sun Life Credit Risk Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +12.8%
- 3Y
- +13.2%
- Vol
- 2.6%
- Max DD
- -3.9%
- Sharpe
- 1.59
- 3Y win
- +70%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
DSP Credit Risk Fund
DSP Mutual Fund
- 1Y
- +11.1%
- 3Y
- +16.8%
- Vol
- 4.5%
- Max DD
- -6.0%
- Sharpe
- 0.89
- 3Y win
- +41%
- Shallower drawdown
- Lower TER
- Higher trailing returns
ICICI Prudential Credit Risk Fund
ICICI Prudential Mutual Fund
- 1Y
- +8.2%
- 3Y
- +9.1%
- Vol
- 1.4%
- Max DD
- -2.9%
- Sharpe
- 2.52
- 3Y win
- +53%
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns
Kotak Credit Risk Fund
Kotak Mahindra Mutual Fund
- 1Y
- +7.4%
- 3Y
- +8.5%
- Vol
- 1.8%
- Max DD
- -3.9%
- Sharpe
- 1.64
- 3Y win
- +54%
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
SBI CREDIT RISK FUND
SBI Mutual Fund
- 1Y
- +8.3%
- 3Y
- +8.6%
- Vol
- 1.3%
- Max DD
- -2.3%
- Sharpe
- 2.62
- 3Y win
- +52%
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns