Income-oriented debt or money-market exposure
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.
Investors matching the scheme's duration and credit profile to their time horizon.
Interest-rate, credit, liquidity and reinvestment risk; debt funds are not fixed deposits.
How the money may be invested
Corporate Debt (including securitized debt-65% to 100%-Medium to High Money market instruments-0% to 35%-Low
- SEBI category
- Credit Risk Fund
- Fund type
- An open ended debt scheme predominantly investing in AA and below rated corporate bonds (excluding AA+ rated corporate bonds.) A Moderate Interest Rate Risk and Relatively High Credit Risk.
- Primary benchmark
- CRISIL Credit Risk Debt B-II Index
- Secondary benchmark
- -
Use the latest monthly portfolio
Top holdings are the largest securities currently owned by the scheme. Names and weights can change every month, so a copied list can become misleading. Open the AMC's current official portfolio or factsheet below and look for this exact fund name.
Manager and scheme tenure
- Fund manager(s)
- Mr.Alok Singh
- Manager tenure on this scheme
- Since 27 Feb 2015
- Role / co-management
- Primary Fund Manager having around 20 years of experience, including 16 years in mutual fund industry.
The tenure above is experience managing this scheme, not the manager's total career experience. For education, qualifications and prior roles, open the latest official AMC factsheet or manager profile below.
Latest NAV records
NAV is a per-unit accounting value. Compare returns, portfolio, risk and cost — never choose a fund only because its NAV looks low.
| Plan / option reported by AMFI | NAV | Date |
|---|---|---|
| BANK OF INDIA CREDIT RISK FUND - Direct Plan - Growth | ₹14.8741 | 04 Sep 2026 |
| BANK OF INDIA CREDIT RISK FUND - Regular Plan - Growth | ₹14.4384 | 04 Sep 2026 |
What you pay and how money moves
- Stated expense ratio
- Regular 1.37%, Direct 0.62%
- Exit load
- • 4% if redeemed within 12 months from the date of allotment • 3% if redeemed after 12 months but within 24 months from the date of allotment. • 2% if redeemed after 24 months but within 36 months from the date of allotment. • Nil if redeemed after 36 months from the date of allotment
- Minimum application
- 5000 · multiples of 1
- SIP frequency
- Not applicable
- Minimum SIP amount
- Not applicable
- Minimum instalments
- Not applicable
How a mutual-fund investment is paid
- Complete KYCIdentity, PAN, bank and contact verification are required.
- Choose route and optionUnderstand direct vs regular and growth vs IDCW before selecting.
- Choose SIP or lump sumSIP uses an automated mandate; lump sum is a one-time payment.
- Receive units at applicable NAVCut-off time, cleared funds and scheme rules determine the applicable NAV.
- Review, do not chaseTrack goal fit, risk, manager/mandate changes, costs and portfolio — not daily noise.
Download and verify at source
The packaged Scheme Summary PDF is the official AMFI file, unchanged. Live AMC links are included for time-sensitive factsheets, top holdings and portfolios.
Source verification date: 06 September 2026. If a live document differs from this page, rely on the newer official document.