# Mutual Fund Factsheet: BANK OF INDIA CREDIT RISK FUND

**Canonical Source**: https://mfcalc.getabundance.in/fund/133867
**Distributor**: Abundance Financial Services · Atin Kumar Agrawal (AMFI ARN-251838)

## 1. Scheme Overview
| Field | Value |
| --- | --- |
| AMC / Fund House | Bank of India Mutual Fund |
| Category | Debt Scheme - Credit Risk Fund |
| Structure | Open Ended |
| AMFI Scheme Code | 133867 |
| ISIN | INF761K01DH6 |
| Current NAV | ₹14.50 (as of 23-Oct-2026) |
| Launch Date | 2015-03-09 (11 years old) |
| Total Fund AUM | ₹77 Cr |
| Expense Ratio | 0.61% |
| Primary Benchmark | CRISIL Credit Risk Debt Index |

## 2. Trailing Performance vs Benchmark (CAGR %)
| Period | BANK OF INDIA CREDIT RISK FUND | Benchmark (CRISIL Credit Risk Debt Index) | Alpha (Outperformance) |
| --- | --- | --- | --- |
| 1 Month | +0.2% | +0.7% | -0.6% |
| 3 Months | +1.3% | +2.1% | -0.9% |
| 6 Months | +8.1% | +4.3% | +3.8% |
| 1 Year | +16.4% | +8.3% | +8.1% |
| 3 Years | +9.6% | +8.0% | +1.6% |
| 5 Years | +27.4% | +7.1% | +20.3% |
| 7 Years | +10.9% | — | — |
| 10 Years | +2.1% | — | — |
| Since Inception | +3.2% | — | — |

## 3. Risk & Volatility Metrics
| Metric | Value | Benchmark / Interpretation |
| --- | --- | --- |
| Annualized Volatility (Std Dev) | 49.0% | Measure of fund price variability (Lower is less volatile) |
| Maximum Drawdown | -0.3% | Largest peak-to-trough drop over available history |
| Return / Risk Ratio | 0.20 | Trailing return generated per unit of total risk |
| Sharpe Ratio (3Y) | 0.74 | Risk-adjusted excess return over 6.5% risk-free rate |

## 4. Portfolio Holdings (Top 3 Teaser)
| # | Company / Security | Asset Class | Sector | Portfolio Weight (%) |
| --- | --- | --- | --- | --- |
| 1 | Repo | CASH | Unspecified | 22.3% |
| 2 | NIRMA LIMITED SR VII TR C 8.50 NCD 07AP27 FVRS1LAC | DEBT | Consumer Staples | 10.8% |
| 3 | CENTURY TEXTILES AND INDUSTRIES LIMITED 8.35 NCD 30AG27 FVRS1LAC | DEBT | Materials | 9.4% |

> 🔒 **Pro Member Access**: Complete portfolio holdings (12 securities), market-cap allocation (Large/Mid/Small Cap), and full sector exposure are available to Abundance Pro members at https://mfcalc.getabundance.in/fund/133867

## 5. SEBI Liquidity Stress Test
- **Status**: Not applicable (SEBI liquidity stress-testing disclosures are mandated specifically for Small Cap and Mid Cap mutual funds).

## 6. Regulatory Disclosures & Statutory Citation
> **Statutory Warning**: Mutual fund investments are subject to market risks, read all scheme related documents carefully.
> **Past Performance**: Past performance is not indicative of future returns.
> **Distributor Disclosure**: Published by **Abundance Financial Services** · Atin Kumar Agrawal (AMFI Registered Mutual Fund Distributor ARN-251838). This factsheet is provided strictly for educational and informational purposes and does not constitute investment advice, research, or a financial recommendation.
> **Interactive Tools**: View rolling return charts, peer quartile rankings, and CAS portfolio review at https://mfcalc.getabundance.in