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BANK OF INDIA Credit Risk Fund - Direct Plan is a debt scheme managed by Bank of India Mutual Fund. Three-year compounded annual return is 9.89%, placing it in the 99th percentile of Debt peers. It has ranked in the top half of its category for 4 of the last 10 reported years. The total expense ratio is 1.17% on assets of ₹105Cr. The fund is currently managed by Mr. Alok Singh, appointed within the last year.
Lower is better.
Point-in-time CAGRs cherry-pick a single start date. The chart below shows the distribution of every possible rolling start over the fund's history, so you see the range of investor outcomes — not just one date's number.
Backtested SIP outcomes across both rolling-window scenarios and named historical stress events (COVID, Election uncertainty, Russia/Ukraine, etc.), plus per-manager alpha during their tenure on this scheme.
| Scheme | AMC | AUM | TER | 3Y |
|---|
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future results. MintByte is an AMFI-registered Mutual Fund Distributor (ARN-314872) and APMI member (APRN-01658). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Star ratings on this page reflect a 3-year category-quartile position computed in-house and are educational only.
Mutual fund schemes are subject to market risk. Read all scheme-related documents carefully before investing. Past performance is not indicative of future results. MintByte is an AMFI-registered mutual fund distributor (ARN-314872). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Not investment advice. Methodology · How we earn.
In-house derivations using 3-year daily NAV vs benchmark. See methodology.
Each cell is one year. Q1 = top quartile within the AMFI category for that period. Cell label is the last two digits of the year.
Compounding maths on a notional ₹10 lakh lumpsum at 12% gross annual return. Green bar is what you'd have without the fee; red overlay is the fee drag. Fee is constant in this scenario — actual outcomes depend on real returns and any future TER changes.
Alpha is the annualised excess return vs benchmark over the manager's tenure on this scheme. Beat-benchmark = total return beat the index over the same window.
| 5Y |
|---|
| Star |
|---|
| DSP Credit Risk Fund - Direct Plan - Growth | DSP Mutual Fund | ₹242 Cr | 0.41% | +16.57% | +12.99% | 5★ |
| Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth | Aditya Birla Sun Life Mutual Fund | ₹1,353 Cr | 0.84% | +12.63% | +10.61% | 5★ |
| Invesco India Credit Risk Fund - Direct Plan - Growth | Invesco Mutual Fund | ₹159 Cr | 0.28% | +9.28% | +8.20% | 5★ |
| Axis Credit Risk Fund - Direct Plan - Growth | Axis Mutual Fund | ₹355 Cr | 0.80% | +8.34% | +7.44% | 5★ |
| SBI CREDIT RISK FUND - DIRECT PLAN -GROWTH | SBI Mutual Fund | ₹2,134 Cr | 0.89% | +8.01% | +7.45% | 4★ |
| UTI Credit Risk Fund - Direct Plan - Growth Option | UTI Mutual Fund | ₹253 Cr | 1.04% | +7.52% | +10.02% | 4★ |