DebtCredit Risk FundDirect · Growth
BANK OF INDIA Credit Risk Fund - Direct Plan
Bank of India · Scheme 133868
₹14.82▲ 0.01%NAV · 2026-09-18
Weak FundScore
AUM
₹93 cr
Expense ratio
0.62%
3Y CAGR
10.1%
Risk level
Very High
Min SIP
₹1,000
Benchmark
CRISIL Credit Risk Index
Fund manager: Alok SinghExit load: Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 1 Year.
Below average · 31/100
Lags peers on our factors — weigh the risks carefully.
🎯 Suited to short-to-medium horizons and investors wanting stability over growth.
📈 Why it could do well
- ✓Strong long-term record — 27.8% CAGR over 5 years.
- ✓Low cost — 0.62% expense ratio means more of the return stays with you.
- ✓5Y CAGR: +27.8%
📉 What could drag it down
- •Returns have been uneven across periods — less predictable than peers.
- •Weak risk-adjusted returns (Sharpe 0.07) — took on risk without enough payoff.
- •Can fall sharply — dropped 73% in its worst stretch. Stomach needed.
- •High volatility (37% a year) — expect big swings up and down.
- •10Y CAGR: +2.5%
- •10Y CAGR vs category: -5.3% vs category avg
FundScore breakdown
31/100 · Weak
Returns
Decent
Consistency
Weak
Risk-adjusted
Weak
Downside protection
Weak
Cost efficiency
Strong
Portfolio quality
Average
Each dial rates the fund 0–100 on one factor, computed from real NAV history. Fuller & greener = stronger.
SIP return calculator
Back-tested on this fund's actual historical NAVs. Past performance ≠ future returns.