Bank of India Credit Risk Fund
Direct · Growth ₹14.65
18 Jun 2026
NAV
4.0%
3Y CAGR
-0.5%
5Y CAGR
2.1%
10Y CAGR
1.4%
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.
-18.18
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 | 15.3% | -81.3% | 378.6% |
| 3 Years | ₹36.00 L | ₹39.56 L | 6.7% | -59.1% | 59.3% |
| 5 Years | ₹60.00 L | ₹97.05 L | 5.8% | -42.3% | 26.0% |
| 7 Years | ₹84.00 L | ₹1.31 Cr | 12.0% | -14.4% | 19.7% |
| 10 Years | ₹1.20 Cr | ₹1.82 Cr | 8.5% | 7.4% | 10.8% |
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 | 15.3% | 8.8% |
| 3 Years | 6.7% | 7.7% |
| 5 Years | 5.8% | 7.1% |
| 7 Years | 12.0% | 7.4% |
| 10 Years | 8.5% | 7.6% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 11.1% | 6.9% | -72.2% | 150.3% | 0.10 | 0.20 | 76% | — | — |
| 3 Years | 4.0% | 6.5% | -33.3% | 43.7% | -0.10 | -0.13 | 64% | — | — |
| 5 Years | -0.5% | -3.8% | -18.3% | 28.1% | -0.44 | -0.47 | 32% | — | — |
| 10 Years | 2.1% | 2.0% | 1.8% | 2.7% | -18.18 | -1.00 | 100% | — | — |
-73.4%
Max Drawdown
20 mo
Drawdown Duration
73 mo
Recovery Time
-21.6%
Avg Drawdown
Calmar Ratio by Duration
0.15
1Y
0.05
3Y
-0.01
5Y
-0.01
7Y
0.03
10Y