Should I invest in BANK OF INDIA Credit Risk Fund?

We don't give personal investment advice. BANK OF INDIA Credit Risk Fund - Regular Plan is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.5%. 5-year CAGR: 27.33%.

Bank of India

BANK OF INDIA Credit Risk Fund - Regular Plan

Unit split applied to historical metrics

This scheme had a 0.5× unit consolidation on 24 Apr 2020. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹14.3047

As of

17 Jul 2026

2,747 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.03%	+0.02%	+0.01	11 / 31	Q2
1W	+0.06%	-0.02%	+0.08	2 / 31	Q1
2W	+0.05%	-0.04%	+0.10	3 / 31	Q1
1M	+0.48%	+0.26%	+0.23	20 / 31	Q3
3M	+6.76%	+1.00%	+5.76	1 / 31	Q1
6M	+8.46%	+1.38%	+7.08	1 / 31	Q1
YTD	+13.82%	+1.54%	+12.28	1 / 31	Q1
1Y	+16.89%	+3.10%	+13.79	1 / 31	Q1
2Y	+11.36%	+5.13%	+6.23	3 / 31	Q1
3Y	+9.60%	+4.78%	+4.83	3 / 31	Q1
4Y	+8.46%	+4.49%	+3.97	3 / 28	Q1
5Y	+27.33%	+5.32%	+22.01	1 / 28	Q1
7Y	+22.09%	+3.49%	+18.60	1 / 28	Q1
10Y	+9.63%	+2.51%	+7.12	1 / 23	Q1
Inception	+9.66%	+2.75%	+6.92	2 / 31	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+13.82%	+1.49%	+12.33	1 / 30
2025	+6.50%	+6.54%	-0.04	18 / 30
2024	+5.95%	+3.89%	+2.06	16 / 30
2023	+5.59%	+4.30%	+1.29	15 / 31
2022	+143.13%	+7.38%	+135.75	1 / 28
2021	+9.34%	+5.79%	+3.55	8 / 28
2020	+11.08%	-2.28%	+13.36	1 / 28
2019	-45.23%	-1.86%	-43.37	28 / 28
2018	-0.07%	-0.45%	+0.38	15 / 28
2017	+9.24%	+1.47%	+7.77	1 / 24
2016	+11.16%	+4.33%	+6.84	1 / 24

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+15.54%

127 windows

min -48.1% · max 148.9%

83% positive

3-Year rolling

+11.66%

102 windows

min -16.1% · max 44.0%

67% positive

5-Year rolling

+10.68%

78 windows

min -6.3% · max 27.5%

68% positive

7-Year rolling

+9.78%

54 windows

min -1.2% · max 22.1%

98% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

3.98%

3-year · annualised

Sharpe ratio

0.70

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.21%

May 2024 → May 2024

% positive months

100.0%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Credit Risk Fund

Scheme	Fund house	NAV	As of
SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.2822	17 Jul 2026
Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,071.6654	17 Jul 2026
BANDHAN Credit Risk Fund - Regular Plan Annual IDCW	Bandhan	₹10.4254	17 Jul 2026
Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW	Aditya Birla Sun Life	₹13.1658	17 Jul 2026
Kotak Credit Risk Fund - Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹13.7779	17 Jul 2026
DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend	DSP BlackRock	₹11.1130	17 Jul 2026
DSP Credit Risk Fund - Regular Plan - IDCW - Monthly	DSP	₹11.2701	17 Jul 2026
HSBC Credit Risk Fund - Regular Annual IDCW	HSBC	₹12.4250	17 Jul 2026
Baroda BNP Paribas Credit Risk fund - Regular-Quarterly- IDCW option -Seg. Portfolio 2 (erstwhile BBNPP Medium Duration Fund Regular-Quarterly IDCW option Seg. Portfolio 1)	Baroda BNP Paribas	₹0.0000	17 Jul 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Annual Dividend Option	UTI	₹0.0000	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹14.3047
16 Jul 2026	₹14.3001
15 Jul 2026	₹14.2966
14 Jul 2026	₹14.2942
13 Jul 2026	₹14.3010
10 Jul 2026	₹14.2966
9 Jul 2026	₹14.2919
8 Jul 2026	₹14.2874
7 Jul 2026	₹14.2966
6 Jul 2026	₹14.2997

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of BANK OF INDIA Credit Risk Fund - Regular Plan is ₹14.3047. It's a Credit Risk Fund from Bank of India, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

BANK OF INDIA Credit Risk Fund - Regular Plan has NAV history starting from 09 Mar 2015, a track record of about 11 years 4 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

BANK OF INDIA Credit Risk Fund - Regular Plan is managed by Bank of India. It's classified by AMFI under the 'Credit Risk Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, BANK OF INDIA Credit Risk Fund - Regular Plan has delivered a absolute return of 16.89% — +13.79 pp ahead of the Credit Risk Fund category average of 3.10%. The fund ranks #1 of 31 in its category — the top (Q1) quartile.

Over the trailing 3-year window, BANK OF INDIA Credit Risk Fund - Regular Plan has delivered a CAGR of 9.60% — +4.83 pp ahead of the Credit Risk Fund category average of 4.78%. The fund ranks #3 of 31 in its category — the top (Q1) quartile.

Over the trailing 5-year window, BANK OF INDIA Credit Risk Fund - Regular Plan has delivered a CAGR of 27.33% — +22.01 pp ahead of the Credit Risk Fund category average of 5.32%. The fund ranks #1 of 28 in its category — the top (Q1) quartile.

₹1 lakh invested in BANK OF INDIA Credit Risk Fund - Regular Plan exactly 10 years ago would be worth approximately ₹250,733 today — a multiplier of 2.51×, based on the 10-year CAGR of 9.63%. The category average over the same window would have grown ₹1 lakh to ₹128,078.

A ₹10,000 monthly SIP in BANK OF INDIA Credit Risk Fund - Regular Plan over the last 5 years — total invested ₹600,000 — would be worth ₹930,070 today. That's an XIRR (money-weighted annualised return) of 17.56%.

A ₹10,000 monthly SIP for 10 years in BANK OF INDIA Credit Risk Fund - Regular Plan = ₹1,200,000 invested. It would currently be worth ₹2,652,940 (multiplier 2.21×). XIRR: 15.16%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, BANK OF INDIA Credit Risk Fund - Regular Plan ranks #1 out of 28 funds in the Credit Risk Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 5.32%; this fund delivered 27.33%.

The worst peak-to-trough decline BANK OF INDIA Credit Risk Fund - Regular Plan has experienced over the last 5-year window is 0.53% — its NAV fell from a high on 02 May 2022 to a low on 13 May 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, BANK OF INDIA Credit Risk Fund - Regular Plan averaged 10.68% (best 27.48%, worst -6.30%). 68% of rolling windows ended positive. The 5-year Sharpe ratio is 0.49 — weak risk-adjusted performance.

In calendar year 2025, BANK OF INDIA Credit Risk Fund - Regular Plan returned 6.50% — lagging the Credit Risk Fund category average of 6.54% by 0.04 pp. It ranked #18 of 30 in its category that year.

BANK OF INDIA Credit Risk Fund - Regular Plan doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. BANK OF INDIA Credit Risk Fund - Regular Plan is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.5%. 5-year CAGR: 27.33%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.