About Bank of India Credit Risk Fund
Bank of India Credit Risk Fund is a credit risk fund managed by Bank of India Mutual Fund. Invest at least 65% in corporate bonds rated below the highest grade, aiming for higher interest in exchange for higher default risk.
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.
The scheme's stated objective, as published by Bank of India Mutual Fund.
The NAV (net asset value) is the price of one unit of the fund. It is published by the fund house every business day and changes with the value of the fund's holdings. The Growth option reinvests all gains, so its NAV reflects the fund's total return.
Tax on your gains
Gains on debt fund units bought on or after 1 April 2023 are added to your income and taxed at your slab rate, however long you hold them. Units bought before that date follow the older long-term rules.
Work out what you would owe with the capital gains tax calculator.
Every plan and option, with scheme codes
| Plan | Option | NAV | Scheme code |
|---|---|---|---|
| Direct | Growth | ₹15.0103 | 133868 |
| Regular | Growth | ₹14.5663 | 133867 |
Frequently asked questions
What is the NAV of Bank of India Credit Risk Fund today?
The NAV of Bank of India Credit Risk Fund (Direct plan, Growth) is ₹15.0103 and the Regular plan NAV is ₹14.5663, as of 13 Nov 2026.
What returns has Bank of India Credit Risk Fund given?
Over the last year the Direct plan returned 17.09%, and 10.06% a year over 3 years and 9.07% a year over 5 years. That places it 4 of 13 funds in its category over 3 years. Past returns do not guarantee future returns.
What is the expense ratio of Bank of India Credit Risk Fund?
The Direct plan charges 0.61% a year, as disclosed on 30 Sept 2026. The fee is already taken out of the NAV, so the returns above are what you keep.
How much has Bank of India Credit Risk Fund fallen in the past?
Its deepest fall was 49.9% from 3 Sept 2018 to 30 Sept 2019. Of every one-year stretch in its history, 83% ended in a gain.
Which category does Bank of India Credit Risk Fund belong to?
It is a Credit Risk Fund from Bank of India Mutual Fund. Invest at least 65% in corporate bonds rated below the highest grade, aiming for higher interest in exchange for higher default risk.
What is the difference between the Direct and Regular plan?
Both invest in the same portfolio. The Direct plan is bought straight from the fund house or a direct platform and has a lower expense ratio because no distributor commission is paid, so its NAV grows slightly faster over time.
How are gains from Bank of India Credit Risk Fund taxed?
Gains on debt fund units bought on or after 1 April 2023 are added to your income and taxed at your slab rate, however long you hold them. Units bought before that date follow the older long-term rules.
Source: NAVs published by the fund house through AMFI. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns. This page is for information only and is not a recommendation to buy or sell.