Sharpe ratio
0.07Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+17.10%1Y Absolute Return
-0.00%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| BANK OF INDIA Credit Risk Fund - Direct PlanFund 5Y annualised return | ₹15,18,071 | ₹7,32,612 | ₹7,85,459 | +27.94% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.04
₹1 Lakh since launch₹1.04 Lakh
Fund age11.7 yrs
Fund information
Scheme code133868
ISININF761K01DG8
BenchmarkCRISIL Credit Risk Debt B-II Index
CategoryDebt Scheme - Credit Risk Fund
Expense ratio0.63%
Exit loadExit Load for units in excess of 10% of the investment,1% will be charged for redemption within 1 Year.
Minimum SIP₹1,000 SIP
Return comparison
1st / 86 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.09% | — | — |
| 3M | +5.37% | — | — |
| 6M | +6.55% | — | — |
| 1Y | +17.10% | — | +4.07% |
| 3Y | +10.06% | — | +5.67% |
| 5Y | +27.94% | — | +5.54% |
| 10Y | +2.38% | — | — |
| Since Launch | +3.51% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.14Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
7.40%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.05How well the fund rewarded investors relative to its biggest decline.
Low
Returns have been modest compared to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt76.70%
Cash23.30%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 13 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Repo | Unspecified | Repo | 28.24% |
| NUVOCO VISTAS CORPORATION LIMITED 7.7 NCD 18SP28 FVRS1LAC | Materials | Debenture | 10.32% |
| BIRLA CORPORATION LIMITED SR-VI 9.25 LOA 18AG26 FVRS10LAC | Materials | Debenture | 9.93% |
| INDIAN BANK CD 04DEC26 | Financial | Certificate of Deposit | 9.53% |
| NIRMA LIMITED SR VII TR C 8.50 NCD 07AP27 FVRS1LAC | Consumer Staples | Debenture | 9.26% |
| CENTURY TEXTILES AND INDUSTRIES LIMITED 8.35 NCD 30AG27 FVRS1LAC | Materials | Non Convertible Debenture | 8.12% |
| VEDANTA LIMITED SR II 9.45 NCD 05JU28 FVRS1LAC | Materials | Debenture | 5.85% |
| 360 ONE PRIME LIMITED 9.40 NCD 04MR27 FVRS1LAC | Financial | Non Convertible Debenture | 5.8% |
| RASHTRIYA CHEMICALS AND FERTILIZERS LIMITED SR I 7.99 BD 07AG27 FVRS1LAC | Materials | Debenture | 5.79% |
| MANAPPURAM FINANCE LIMITED 9.10 NCD 19AG26 FVRS1LAC | Financial | Non Convertible Debenture | 5.77% |
Fund management
AL
Alok Singh
Since 2015 · Prior to joining Bank of India AMC he has worked with BNP Paribas Asset Management and Axis Bank
Mr. Singh is a CFA and PGDBA from ICFAI Business School.
Compare similar funds
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Summary
A moderately high-risk debt scheme - credit risk fund. Same fund manager for 12+ years — the strategy has not chopped and changed. Top 10 holdings make up 99% — a handful of stocks can swing returns sharply.
Strengths
- Same fund manager for 12+ years — the strategy has not chopped and changed.
- Ranks 1 of 86 in its category over 1 year.
Weaknesses
- Top 10 holdings make up 99% — a handful of stocks can swing returns sharply.
- Has fallen sharply before — down -73.4% at its worst.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderately high risk level.
Risk drivers
- Top 10 holdings = 99% of the portfolio.