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 13 (Category Avg - 35.50) | Modified Duration 0.67 Years (Category Avg - 2.14)| Yield to Maturity 6.39% (Category Avg - 7.58%)

Portfolio Summary (as on 31st Oct,2025)

Category - Credit Risk Fund

Category - Credit Risk Fund

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Manappuram Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA	CRISIL	101.14	9.51%	10.00 L
Bond - Nirma Ltd.	NCD & Bonds	Household products	AA	CRISIL	100.35	9.44%	10.00 L
Bond - Aditya Birla Real Estate Ltd.	NCD & Bonds	Paper & paper products	AA	CRISIL	100.26	9.43%	10.00 L
Bond - Vedanta Ltd.	NCD & Bonds	Diversified metals	AA	CRISIL	100.12	9.42%	10.00 L
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	97.63	9.18%	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	50.86	4.78%	5.00 L
Bond - 360 One Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA	ICRA	50.46	4.75%	5.00 L
Bond - J S W Steel Ltd.	NCD & Bonds	Iron & steel products	LAA	ICRA	50.08	4.71%	5.00 L
Bond - Nuvoco Vistas Corporation Ltd.	NCD & Bonds	Cement & cement products	AA	CRISIL	50.00	4.70%	5.00 L
Bond - 360 One Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA	ICRA	40.12	3.77%	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