Bank of India Credit Risk Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

No of Debt Holding 12 (Category Avg - 35.71) | Modified Duration 0.61 Years (Category Avg - 2.13)| Yield to Maturity 6.23% (Category Avg - 7.59%)

Portfolio Summary (as on 30th Sep,2025)

Security Type	% Weight	Category Average
GOI	0.00%	14.65%
CD	9.29%	1.34%
NCD & Bonds	62.01%	70.76%
PTC	0.00%	1.47%

Category - Credit Risk Fund

Security Type	% Weight	Category Average
Government Backed	0.00%	0.00%
Low Risk	65.01%	65.39%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	6.29%	0.45%

Category - Credit Risk Fund

Debt holding in Portfolio (as on 30th Sep,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Nirma Ltd.	NCD & Bonds	Household products	AA	CRISIL	100.45	9.45%	10.00 L
Bond - Aditya Birla Real Estate Ltd.	NCD & Bonds	Paper & paper products	AA	CRISIL	100.30	9.43%	10.00 L
Bond - Vedanta Ltd.	NCD & Bonds	Diversified metals	AA	CRISIL	100.28	9.43%	10.00 L
Bond - J S W Steel Ltd.	NCD & Bonds	Iron & steel products	CARE AA	CARE	100.04	9.41%	10.00 L
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	98.80	9.29%	10.00 L
Bond - RKV Enterprise Pvt Ltd.	NCD & Bonds	Education	U	NA	51.92	4.88%	0.00
Bond - Rashtriya Chemicals & Fertilizers Ltd.	NCD & Bonds	Fertilizers	LAA	ICRA	50.85	4.78%	5.00 L
Bond - 360 One Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA	ICRA	50.53	4.75%	5.00 L
Bond - Nuvoco Vistas Corporation Ltd.	NCD & Bonds	Cement & cement products	AA	CRISIL	49.92	4.69%	5.00 L
Bond - 360 One Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA	ICRA	40.16	3.78%	4.00 L
Bond - Accelarating Education and Development Pvt Ltd.	NCD & Bonds	Investment company	U	NA	7.54	0.71%	0.00
Bond - Accelarating Education and Development Pvt Ltd.	NCD & Bonds	Investment company	U	NA	7.45	0.70%	0.00

Name	Type of Instrument	Weight (%)
TREPS	TREPS	26.33%
Net Receivables	Net Receivables	2.37%

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NITINPIMPALE
MF Investment Help
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11 days ago

purchase unit will adjust difference in NAV 10.263 View more

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  purchase unit will adjust difference in NAV 10.263
  
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krishna_ksvs
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23 days ago

View more

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The Fixed Income
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3 days ago

Invest in Stability with Long-Term Growth! 9.41% INDIA INFRASTRUCTURE FINANCE COMPANY LIMITED 2037 ✔️ Coupon: 9.41% ✔️ Rating: CARE AAA Stable ✔️ Tenor: 11y 9m (Maturity: 27/Jul/2037) Secured Bond | PSU Bond | High Return Bond | Listed Enjoy a secure, government-backed investment with steady returns over the long term. ???? Explore on The Fixed Income :https://www.thefixedincome.com/product/dUJHdFp3PT0=/941-india-infrastructure-finance-company-limited-2037?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Invest in Stability with Long-Term Growth! 9.41% INDIA INFRASTRUCTURE FINANCE COMPANY LIMITED 2037 ✔️ Coupon: 9.41% ✔️ Rating: CARE AAA Stable ✔️ Tenor: 11y 9m (Maturity: 27/Jul/2037) Secured Bond | PSU Bond | High Return Bond | Listed Enjoy a secure, government-backed investment with steady returns over the long term. ???? Explore on The Fixed Income :https://www.thefixedincome.com/product/dUJHdFp3PT0=/941-india-infrastructure-finance-company-limited-2037?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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shravanashok
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73 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

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  need your suggestion for sbi psu fund direct growth stay or switch
  
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ravisistla
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86 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

Posted by : ravisistla
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  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
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sunny85deol
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124 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

Posted by : sunny85deol
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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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