Bank of India Credit Risk Fund Direct-Growth
Debt: Credit Risk - Growth (Open ended) Factsheet
SEBI Riskometer: Moderately HighCategory: Debt: Credit RiskBenchmark: CRISIL Credit Risk Debt B-II Index
NAV: ₹14.73+0.02%
24 Jul 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for Bank of India Credit Risk Fund Direct-Growth.
Historical Asset Allocation
| Asset | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 | 28 Feb 2026 | 31 Jan 2026 |
|---|---|---|---|---|---|---|
| Equity | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Debt | 76.70% | 71.79% | 48.25% | 70.18% | 66.81% | 77.48% |
| Others (incl. cash) | 23.30% | 28.21% | 51.75% | 29.82% | 33.19% | 22.52% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Portfolio Snapshot
No. of Securities
12
Top Holding %
23.30%
Top 5 Holdings %
62.34%
Top 10 Holdings %
93.67%
Modified Duration
0.64 yrs
Avg. Maturity
0.68 yrs
Yield to Maturity
7.09%
AUM
₹87 Cr
Expense Ratio
0.63%
Since Inception
3.44%
Max Drawdown
-0.73%
Sharpe Ratio
0.95
Top Portfolio Holdings by Weight
Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.
| Instrument | Sector | No. of Shares | Value (Rs. Cr) | Weight | Change |
|---|---|---|---|---|---|
| Nuvoco Vistas Corporation Ltd. | Materials | 9,00,000 | 8.95 | 10.32% | 0.21%↑ |
| Birla Corporation Ltd. | Materials | 21,50,000 | 8.61 | 9.93% | 0.14%↑ |
| Indian Bank | Financial | 8,50,000 | 8.26 | 9.53% | 0.23%↑ |
| Nirma Ltd. | Consumer Staples | 8,00,000 | 8.03 | 9.26% | 0.17%↑ |
| Aditya Birla Real Estate Ltd. | Consumer Staples | 7,00,000 | 7.05 | 8.12% | - |
| Vedanta Ltd. | Metals & Mining | 5,00,000 | 5.07 | 5.85% | 0.15%↑ |
| 360 ONE Wealth Ltd. | Financial | 5,00,000 | 5.03 | 5.80% | 0.11%↑ |
| Rashtriya Chemicals and Fertilizers Ltd. | Chemicals | 5,00,000 | 5.02 | 5.79% | 0.12%↑ |
| Manappuram Finance Ltd. | Financial | 5,00,000 | 5.01 | 5.77% | 0.08%↑ |
| JSW Steel Ltd. | Metals & Mining | 5,00,000 | 5 | 5.76% | 0.11%↑ |
Debt Holdings — Credit Quality Profile
Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.
| Rating | Fund | Category |
|---|---|---|
| AA | 66.60% | 19.99% |
| Cash & Call Money | 23.30% | 24.37% |
| A1+ | 9.53% | 3.00% |
| Others | 0.57% | 2.33% |
| A | - | 0.91% |
| A+ | - | 2.80% |
| A- | - | 0.41% |
| AA+ | - | 3.63% |
| AA- | - | 3.95% |
| AAA | - | 8.62% |
| B+ | - | 1.49% |
| B- | - | 2.35% |
| BBB | - | 0.73% |
| BBB+ | - | 0.04% |
| C | - | 0.01% |
| Cash | - | 0.08% |
| D | - | 0.01% |
| SOV | - | 8.19% |
| Term Deposits | - | 0.37% |
| Unrated | - | 0.02% |
Debt Insights
A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.
SEBI PRC matrix
Credit risk
| Interest risk | |||
|---|---|---|---|
| Low | Moderate | High | |
| Low | |||
| Moderate | |||
| High | |||
Instruments
| Full name | Description | Coupon rate | Maturity | Rating raw | Weight |
|---|---|---|---|---|---|
| Nuvoco Vistas Corporation Ltd. | Debenture | 7.70% | 18/09/2028 | CRISIL AA | 10.32% |
| Birla Corporation Ltd. | Debenture | 9.25% | 18/08/2026 | ICRA AA | 9.93% |
| Indian Bank | Certificate of Deposit | 0.00% | 04/12/2026 | CRISIL A1+ | 9.53% |
| Nirma Ltd. | Debenture | 8.50% | 07/04/2027 | CRISIL AA | 9.26% |
| Aditya Birla Real Estate Ltd. | Non Convertible Debenture | 8.35% | 30/08/2027 | CRISIL AA | 8.12% |
| Vedanta Ltd. | Debenture | 9.45% | 05/06/2028 | CRISIL AA | 5.85% |
| 360 ONE Wealth Ltd. | Non Convertible Debenture | 9.40% | 04/03/2027 | ICRA AA | 5.80% |
| Rashtriya Chemicals and Fertilizers Ltd. | Debenture | 7.99% | 07/08/2027 | ICRA AA | 5.79% |
| Manappuram Finance Ltd. | Non Convertible Debenture | 9.10% | 19/08/2026 | CRISIL AA | 5.77% |
| JSW Steel Ltd. | Debenture | 8.39% | 13/05/2027 | ICRA AA | 5.76% |
Frequently Asked Questions
What are the top holdings of Bank of India Credit Risk Fund Direct-Growth?
The top holdings of Bank of India Credit Risk Fund Direct-Growth as of 30 Jun 2026 are Others (23.30%), Nuvoco Vistas Corporation Ltd. (10.32%), Birla Corporation Ltd. (9.93%), Indian Bank (9.53%), Nirma Ltd. (9.26%). These top 5 stocks together account for 62.34% of the total portfolio. You can view the complete holdings breakdown above.
How many stocks does Bank of India Credit Risk Fund Direct-Growth hold in its portfolio?
Bank of India Credit Risk Fund Direct-Growth holds 12 stocks in its portfolio as of 30 Jun 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.
What is the sector allocation of Bank of India Credit Risk Fund Direct-Growth?
The sector allocation of Bank of India Credit Risk Fund Direct-Growth is shown in the Sector Allocation section above.
What is the equity and debt allocation of Bank of India Credit Risk Fund Direct-Growth?
As of 30 Jun 2026, Bank of India Credit Risk Fund Direct-Growth has 0.00% allocated to equity, and 76.70% to debt. You can also check the historical trends above.
What is the market cap allocation of Bank of India Credit Risk Fund Direct-Growth?
The market cap allocation of Bank of India Credit Risk Fund Direct-Growth is shown in the Holdings Analysis section above.
What is the PE ratio of Bank of India Credit Risk Fund Direct-Growth's portfolio?
The portfolio PE ratio of Bank of India Credit Risk Fund Direct-Growth is shown in the Holdings Analysis section above.
What is the credit quality of Bank of India Credit Risk Fund Direct-Growth?
As of 30 Jun 2026, Bank of India Credit Risk Fund Direct-Growth's debt portfolio has - in AAA-rated instruments, 66.60% in AA-rated, and - in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.
When is the latest portfolio disclosure for Bank of India Credit Risk Fund Direct-Growth?
The latest portfolio disclosure for Bank of India Credit Risk Fund Direct-Growth is as of 30 Jun 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.