Bank of India Credit Risk Fund
Direct · Growth ₹14.78
04 Aug 2026
NAV
4.0%
3Y CAGR
0.1%
5Y CAGR
2.1%
10Y CAGR
1.7%
Weighted CAGR
?
Weighted Mean CAGR
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
-16.03
Sharpe
-73.4%
Max Drawdown
?
Max Drawdown
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
NA
TER
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.39 L | 15.4% | -81.3% | 378.6% |
| 3 Years | ₹36.00 L | ₹39.58 L | 6.8% | -59.1% | 59.3% |
| 5 Years | ₹60.00 L | ₹96.47 L | 6.1% | -42.3% | 26.0% |
| 7 Years | ₹84.00 L | ₹1.32 Cr | 12.2% | -14.4% | 19.7% |
| 10 Years | ₹1.20 Cr | ₹1.83 Cr | 8.7% | 7.4% | 11.0% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | Category avg |
|---|---|---|
| 1 Year | 15.4% | 8.8% |
| 3 Years | 6.8% | 7.8% |
| 5 Years | 6.1% | 7.1% |
| 7 Years | 12.2% | 7.4% |
| 10 Years | 8.7% | 7.6% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 11.2% | 7.0% | -72.2% | 150.3% | 0.10 | 0.20 | 77% | — | — |
| 3 Years | 4.0% | 6.6% | -33.3% | 43.7% | -0.10 | -0.12 | 64% | — | — |
| 5 Years | 0.1% | -3.8% | -18.3% | 28.1% | -0.39 | -0.43 | 34% | — | — |
| 10 Years | 2.1% | 2.0% | 1.8% | 2.7% | -16.03 | -1.00 | 100% | — | — |
-73.4%
Max Drawdown
20 mo
Drawdown Duration
73 mo
Recovery Time
-21.4%
Avg Drawdown
Calmar Ratio by Duration
0.15
1Y
0.06
3Y
0.00
5Y
-0.00
7Y
0.03
10Y