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Product scoring may vary based on gender, age, policy tenure and sum assured.
Gender
Male
Age Group
The lowest age in the selected range is considered for price evaluation (e.g., 25 - 29)
30 - 34
Sum Assured
₹ 1Cr
Debt • Credit Risk Fund • CRISIL Credit Risk Debt Index
Bank of India Credit Risk Fund(G)-Direct Plan
1 Finance Rank:
13
131 Finance Score:
50100
Yield To Maturity Score
30
Quality & Diversification Score
58
Standard Deviation Score
54
Modified Duration Score
100
AUM Score
7
Historical Performance score
58
1 Finance Research updated as on March 2026 1 Finance Scores reflect a holistic assessment of fund performance, risk, and costs.
AUM
₹ 100 Cr(As on 31-Mar-2026)NAV
₹ 14.5489(As on 26-May-2026)Expense Ratio
0.98%(As on 31-Mar-2026)Investment Horizon
3 to 5 years
13
Debt • Credit Risk Fund • CRISIL Credit Risk Debt Index
Bank of India Credit Risk Fund(G)-Direct Plan
This fund ranks 13th out of 14 funds in its category.
AUM₹ 100 Cr(As on 31-Mar-2026)
NAV₹ 14.5489(As on 26-May-2026)
Expense Ratio0.98%(As on 31-Mar-2026)
Investment Horizon3 to 5 years
1 Finance Score: 50/100
Yield To Maturity Score
30
Quality & Diversification Score
58
Standard Deviation Score
54
Modified Duration Score
100
AUM Score
7
Historical Performance score
58
Fundamental Ratios
Modified Duration
5.67 yearsAverage Maturity
0.83 yearsYield To Maturity
5.67%Standard Deviation
0.18%Portfolio summary
Asset Allocation
Debt
Others
69.7%
30.3%
Credit Rating
AA
59.85%
Cash Eqv.
29.82%
AAA
0.00%
SOV
0.00%
Others
0.00%
Debt Sector Allocation
Cash & Cash Equivalents
29.82%
Finance
14.99%
Chemicals
14.97%
Non - Ferrous Metals
10.03%
Top Holdings
| Holding Names | Assets (%) |
|---|---|
| Tri-Party Repo (TREPS) | 18.42% |
| Vedanta Ltd. -SR-II 09.45% (05-Jun-2028) | 9.44% |
| Manappuram Finance Ltd 09.10% (19-Aug-2026) | 9.41% |
| Nirma Ltd. SR-VII TR-B 8.40% (07-Apr-2026) | 9.37% |
| Century Textiles & Industries Ltd. SR-XXI 8.10% (25-Apr-2026) | 9.36% |
Peer comparison
| Fund List | 1 F score | Fund Size | Expense Ratio |
|---|
Pros and Cons
Pros
Relatively low modified duration indicates lower sensitivity to interest rate changes, suggesting lower risk.
Cons
There is a possibility of lower returns as the fund maintains a low Yield to Maturity (YTM).
The fund holds low
quality bonds and securities, along with a concentrated portfolio.
Low AUM may result in limited portfolio diversification.
Historically, the fund has generated low returns.
Exhibits a relatively high level of volatility, indicated by its elevated standard deviation.
Should you invest?
Invest if you are :
- Those willing to invest in slightly lower quality bonds in exchange for slightly higher returns should consider this fund.
Avoid if you are :
- Investors who are not ready to compromise portfolio quality for higher returns should avoid this fund.
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Taxation
If bought before April 1, 2023
- Less than or equal to 24 months: Short-Term Capital Gains (STCG) are taxed as per your applicable income tax slab.
- More than 24 months: Long-Term Capital Gains (LTCG) are taxed at 12.5% on gains.
If bought after April 1, 2023
- Taxed at applicable slab rates.
Scheme Details
Scheme 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.
Exit Load
- 4% on or before 12M, 3% after 12M but on or before 24M, 2% after 24M but on or before 36M, Nil after 36M
Minimum investment amount
Lumpsum
₹ 5000 (open for subscription)
Other details
Founded In2015
Email Addressservice@boimf.in
| Fund Manager Name | Total Exp. (Years) | No. of Funds Managed |
|---|---|---|
| Alok Singh | 18.7 | 1 |
About Bank of India MF
- A subsidiary of Bank of India with over a decade of mutual fund expertise, Bank of India Mutual Fund offers a diversified portfolio emphasizing prudent risk management and benefits from the bank’s vast distribution network.
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Frequently Asked Questions
Are debt funds risk-free?
No, debt funds aren’t entirely risk-free. They may be less volatile than equities, but carry risks like changing interest rates, credit, liquidity, concentration, and prepayment. Hence, as an investor, it is crucial you personalise your portfolio based on your financial personality, which includes your risk comfort and time horizon of your financial goals.
Is a higher yield-to-maturity (YTM) always better?
Not necessarily in every case. A higher yield-to-maturity (YTM) often implies a bond having lower credit ratings, possessing higher default risk. You must weigh YTM against your portfolio quality and your time horizon.
What’s best for an emergency fund?
An emergency fund requires saving 3-6 months of expenses, meaning planning for short-term goals. While debt funds like overnight or liquid funds are usually the preferred options due to their strong liquidity benefits, it is imperative for you to choose a fund that aligns with your financial personality.
Who can invest in debt funds?
Debt funds are suitable for investors who prefer easy liquidity, want low-risk investments, or aim for capital preservation.
Are debt funds better than equity funds?
A mutual fund scheme is designed with a specific purpose. Equity funds are for capital appreciation, while debt funds focus on capital preservation. It depends entirely on your personal finance goals, risk tolerance, and investment horizon. Choosing between debt and equity funds must align with what you want to achieve financially.
Disclaimer
The Information in the scoring and ranking model is provided solely for general information and educational purposes and shall not constitute any advice or recommendation. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not an indicator of future returns.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more