Fundalysisby DARKHORSESTOCKS

Scheme

Bank of India Credit Risk Fund

Holds 1 companies worth ₹0 Cr in Aug 2025.

  • Fund house

    BOI AXAThe fund house that runs this scheme.

  • AUM

    ₹74.3 CrBank of India Credit Risk Fund's AUM at the end of 30 Sept 2026, as AMFI reports it. Up 8.2% on Aug 2026, ₹68.7 Cr.

  • Largest holding

    14 Amanta Healthcare Limited Preference Share14 Amanta Healthcare Limited Preference Share is 0.0% of this scheme's NAV.

  • Fund manager

    Alok SinghRuns it since 27 Feb 2015, as the fund house dates it.

Overview(6 Oct 2026)

Fund managers1

  1. Alok SinghFund manager · Feb 2015

    Key facts

    Benchmark
    CRISIL Credit Risk Debt B-II Index
    Risk
    Moderately High
    Expense
    Regular 1.36% · Direct 0.61%
    Exit load
    10% within 1 year
    Started
    27 Feb 2015
    Minimum
    ₹5,000

    Source.Its Scheme Summary Document as of 6 Oct 2026 at AMFI.

    What changed(13 changes)

    Sept 2026

    2 changes
    1. Exit load
      22 Sept4% within 12 months → 10% within 1 year
    2. Expense ratio
      22 SeptRegular 1.62% → 1.36%Direct 1.15% → 0.61%

    May 2026

    6 changes

    Apr 2026

    2 changes

    Source.Its filings at NSE, since Sept 2024.

    Fund managers over time(Feb 2015 – now)

    1. Alok Singh
    MainCoSlice201620182020202220242026
    Fig. 1.Who ran it when: each manager from the date the fund house gives, or the first document listing them where it gives none, to when they left. A slice is part of it: overseas, gold and silver, or arbitrage.

    Costs(Sept 2024 – Oct 2026)

    Every change to the expense ratio, newest first.
    13 changesRegularDirectΔ pt
    22 Sept 20261.36%0.61%0.54
    22 May 20261.62%1.15%0.01
    15 May 20261.63%1.16%0.14
    13 May 20261.77%1.30%0.01
    12 May 20261.77%1.29%0.13
    10 May 20261.63%1.16%0.14
    7 May 20261.78%1.30%0.13
    27 Apr 20261.64%1.17%0.02
    8 Apr 20261.62%1.15%0.03
    20 Aug 20251.52%1.12%0.02
    19 Jun 20251.50%1.10%0.02
    16 Jan 20251.52%1.12%0.06
    2 Sept 20241.53%1.18%–
    Direct plan, 22 Sept 2026
    0.61%
    Regular plan 1.36% · Exit load 10% within 1 year
    Fig. 1.Total expense ratio a year, each plan's, as its Scheme Summary Documents state it, filing by filing at NSE. A change holds until the next.

    Objective and risk(6 Oct 2026)

    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. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.

    Risk, type and benchmark

    Riskometer
    Moderately High
    At launch
    Very High
    Risk class
    C-II: relatively high credit risk, moderate interest-rate risk
    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.
    Benchmark
    CRISIL Credit Risk Debt B-II Index

    Asset allocation it may hold% of NAV

    1. Corporate Debt (including securitized debt
      Allowed65–100%
    2. Money market instruments
      Allowed0–35%

    Holds in Aug 2025.100.0% debt and cash

    How to invest(6 Oct 2026)

    Buying

    To start
    ₹5,000, then in multiples of ₹1
    To add
    ₹1,000, then in multiples of ₹1
    Most
    ₹5,000
    Most
    SIP Monthly - 6; Yearly - 3, SWP - Monthly - 6; Quarterly - 4; Halfyearly - 4; Yearly - 2, STP - Daily -6; Weekly - 6; Fortnightly -6; Monthly - 6; Quarterly -2.

    Selling and switching

    To redeem
    ₹1 or 0.001 units
    Minimum balance
    Currently, there is no minimum balance requirement or There is no limit on the maximum amount to be raised under the Scheme. units
    Switch minimum
    ₹5,000 or 5000 units
    Switch multiples
    ₹1 or No Limit units
    Switch most
    Not applicable. or Yes units

    Scheme details(6 Oct 2026)

    What it is

    Category
    Credit Risk Fund
    Offer
    6 Feb 2015 to 20 Feb 2015
    Started
    27 Feb 2015
    Reopened
    9 Mar 2015
    Plans
    Direct Plan - Growth · Regular Plan - Growth
    Face value
    ₹10
    Listed
    No

    How it is run

    Swing pricing
    Enabling provision in SID. However, no segregated portfolio is created.
    Side-pocketing
    Enabling provision in SID. However, no segregated portfolio is created.
    Custodian
    Deutsche Bank AG
    Auditor
    Chokshi & Chokshi LLP (Statutory Auditors)
    Registrar
    KFin Technologies Private Limited
    SEBI code
    BOIA/O/D/CRF/14/09/0009