Data as on 04th feb 2025

Bank Of India Credit Risk Fund

Investment Objective

The Scheme's investment objective is to generate capital appreciation over the long term by investing predominantly in corporate debt across the credit spectrum within the universe of investment grade rating. To achieve this objective, the Scheme will seek to make investments in 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 will be achieved.

Fund Manager

  • ALOK SINGH

    CFA and PGDBA from
    ICFAI Business School.

    ALOK SINGH
    See detail

Fund Highlights

  • An open-ended credit risk fund suitable for long-term deployment of funds.
  • Suitable only for long-term, sophisticated investors with a horizon of atleast 3 years
  • Seeks to generate capital appreciation over the long term by investing predominantly in corporate debt across the credit spectrum.
  • Aims to provide superior risk adjusted returns by investing in vanilla and structured corporate credit issuances across the credit spectrum.
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Riskometer

Scheme Riskometer:

Investor understand that their principal will be at very high risk 

The above Riskometer is based on the portfolio as on 30th June, 2026.

This product is suitable for investors who are seeking*:

  • Long term capital appreciation
  • Investment primarily in corporate debt securities with medium to long term maturities across the credit spectrum within the universe of investment grade rating

Benchmark Riskometer: Tier 1: CRISIL Credit Risk Debt B-II Index:

Investor understand that their principal will be at very high risk

*Investor should consult their financial advisor if in doubt about whether the product is suitable for them

The above Benchmark Riskometer is based on the portfolio as on 30th June, 2026.

Potential Risk Class Matrix
Credit Risk Relatively Low (Class A) Moderate (Class B) Relatively High (Class C)
Interest rate Risk
Relatively Low (Class I)
Moderate (Class II) C-II
Relatively High (Class III)

Top 10 Portfolio Holdings

Portfolio Details % to Net Assets
TREPS / Reverse Repo Investments 31.0%
Indian Bank 9.0%
Nirma Limited 8.7%
Aditya Birla Real Estate Limited 7.6%
Birla Corporation Limited 7.1%
Vedanta Limited 5.5%
360 One Prime Limited 5.4%
Rashtriya Chemicals and Fertilizers Limited 5.4%
Manappuram Finance Limited 5.4%
JSW Steel Limited 5.4%

Credit Profile

45%
AA
31%
TREPS
10.9%
AA+
9%
A1+
4.1%
Others*

Asset Allocation

48.8%
CORPORATE DEBT
34.6%
Cash & Other Receivables
9%
Money Market Instruments
7.1%
RFV_N-AMRT
0.5%
CDMDF

Fund Performance

  • Scheme
  • Benchmark
Total Expense Ratio
november-2025.xlsx file downloaded successfully

Performance for Regular-Growth Plan

Current Value of Standard Investment of Rs 10000 in the
Date NAV Per Unit(Rs.) Scheme Returns(%)^ Benchmark Returns #(%) Additional Benchmark Returns # #(%) Scheme (Rs) Benchmark #(Rs) Additional Benchmark # #(Rs)
1 Year 12.2535 17.03 % 7.13 % 2.27 % 11703 10713 10227
3 Years 10.8856 9.61 % 8.03 % 6.78 % 13173 12610 12176
5 Years 4.2818 27.31 % 7.27 % 5.34 % 33491 14212 12971
10 Years 11.4615 2.26 % 7.94 % 5.92 % 12511 21481 17781
Since inception 10.0000 3.20 % 8.19 % 6.33 % 14340 24586 20180

^ Past performance may or may not be sustained in the future
# CRISIL Credit Risk Debt B-II Index
# # CRISIL 10 Year Gilt Index


1. Mr. Alok Singh has been managing this scheme from February 27, 2015. In addition to this, he manages 7 other open-ended schemes and co-manages 2 scheme of Bank of India Mutual Fund.
2. Period for which scheme’s performance has been provided is computed basis on last working day of the Month-end preceding the date of publication.
3. Different plans shall have a different expense structure.