{"id":181769,"date":"2026-08-03T15:49:26","date_gmt":"2026-08-03T10:19:26","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=181769"},"modified":"2026-08-03T15:49:27","modified_gmt":"2026-08-03T10:19:27","slug":"bank-of-india-credit-risk-fund-review","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund-review\/","title":{"rendered":"Bank Of India Credit Risk Fund Review: Plans, NAV, Returns and Portfolio Analysis 2026"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>Bank Of India Credit Risk Fund has 2 plan\/option variants. Representative NAV Rs 14.7248 (20-Jul-2026). Category Credit Risk Fund. Risk High.<\/em><\/p>\n<p>Bank Of India Credit Risk Fund is a credit risk fund offered by Bank of India Mutual Fund, available in Direct and Regular Plans across Growth. The scheme aims to generate regular income and capital appreciation by investing at least 65% of the portfolio in AA and below rated corporate bonds, taking on higher credit risk in exchange for potentially higher yields. With multiple variants, Bank Of India Credit Risk Fund lets investors choose between different cost structures and payout approaches within the same base scheme.<\/p>\n<p>This article reviews Bank Of India Credit Risk Fund across all its available plans and options, covering the latest NAV, expense ratio, portfolio approach, performance, exit load and investor suitability, based on publicly available data as of August 2026.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=bank-of-india-credit-risk-fund\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund-review\/#Bank_Of_India_Credit_Risk_Fund_Plans_and_Options_Available\" title=\"Bank Of India Credit Risk Fund Plans and Options Available\">Bank Of India Credit Risk Fund Plans and Options Available<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund-review\/#Investment_Objective_and_Portfolio_Approach\" title=\"Investment Objective and Portfolio Approach\">Investment Objective and Portfolio Approach<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund-review\/#Bank_Of_India_Credit_Risk_Fund_Performance_and_Returns\" title=\"Bank Of India Credit Risk Fund Performance and Returns\">Bank Of India Credit Risk Fund Performance and Returns<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund-review\/#Direct_Plan_vs_Regular_Plan_Key_Differences_in_Bank_Of_India_Credit_Risk_Fund\" title=\"Direct Plan vs Regular Plan: Key Differences in Bank Of India Credit Risk Fund\">Direct Plan vs Regular Plan: Key Differences in Bank Of India Credit Risk Fund<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund-review\/#Growth_Option_vs_IDCW_Option_in_Bank_Of_India_Credit_Risk_Fund\" title=\"Growth Option vs IDCW Option in Bank Of India Credit Risk Fund\">Growth Option vs IDCW Option in Bank Of India Credit Risk Fund<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund-review\/#Expense_Ratio_and_Exit_Load\" title=\"Expense Ratio and Exit Load\">Expense Ratio and Exit Load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund-review\/#Who_Should_Consider_Bank_Of_India_Credit_Risk_Fund\" title=\"Who Should Consider Bank Of India Credit Risk Fund\">Who Should Consider Bank Of India Credit Risk Fund<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund-review\/#Key_Risks_in_the_scheme\" title=\"Key Risks in the scheme\">Key Risks in the scheme<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund-review\/#How_to_Invest_in_Bank_Of_India_Credit_Risk_Fund\" title=\"How to Invest in Bank Of India Credit Risk Fund\">How to Invest in Bank Of India Credit Risk Fund<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund-review\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund-review\/#Frequently_Asked_Questions_on_Bank_Of_India_Credit_Risk_Fund\" title=\"Frequently Asked Questions on Bank Of India Credit Risk Fund\">Frequently Asked Questions on Bank Of India Credit Risk Fund<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund-review\/#What_plans_and_options_are_available_in_Bank_Of_India_Credit_Risk_Fund\" title=\"What plans and options are available in Bank Of India Credit Risk Fund?\">What plans and options are available in Bank Of India Credit Risk Fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund-review\/#What_is_the_latest_NAV_of_Bank_Of_India_Credit_Risk_Fund\" title=\"What is the latest NAV of Bank Of India Credit Risk Fund?\">What is the latest NAV of Bank Of India Credit Risk Fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund-review\/#What_is_the_investment_objective_of_Bank_Of_India_Credit_Risk_Fund\" title=\"What is the investment objective of Bank Of India Credit Risk Fund?\">What is the investment objective of Bank Of India Credit Risk Fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund-review\/#What_is_the_difference_between_the_Direct_and_Regular_Plan_in_Bank_Of_India_Credit_Risk_Fund\" title=\"What is the difference between the Direct and Regular Plan in Bank Of India Credit Risk Fund?\">What is the difference between the Direct and Regular Plan in Bank Of India Credit Risk Fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund-review\/#What_is_the_expense_ratio_of_Bank_Of_India_Credit_Risk_Fund\" title=\"What is the expense ratio of Bank Of India Credit Risk Fund?\">What is the expense ratio of Bank Of India Credit Risk Fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund-review\/#What_is_the_exit_load_on_Bank_Of_India_Credit_Risk_Fund\" title=\"What is the exit load on Bank Of India Credit Risk Fund?\">What is the exit load on Bank Of India Credit Risk Fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund-review\/#Who_should_invest_in_Bank_Of_India_Credit_Risk_Fund\" title=\"Who should invest in Bank Of India Credit Risk Fund?\">Who should invest in Bank Of India Credit Risk Fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/bank-of-india-credit-risk-fund-review\/#Is_Bank_Of_India_Credit_Risk_Fund_a_good_investment\" title=\"Is Bank Of India Credit Risk Fund a good investment?\">Is Bank Of India Credit Risk Fund a good investment?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Bank_Of_India_Credit_Risk_Fund_Plans_and_Options_Available\"><\/span><strong>Bank Of India Credit Risk Fund Plans and Options Available<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bank Of India Credit Risk Fund is offered across 2 scheme codes. The table below lists all available variants with ISIN codes and latest NAV figures.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\" border=\"1\" cellspacing=\"0\" cellpadding=\"6\">\n<tbody>\n<tr>\n<td><strong>Scheme Code<\/strong><\/td>\n<td><strong>Plan<\/strong><\/td>\n<td><strong>Option<\/strong><\/td>\n<td><strong>ISIN (Growth \/ Payout)<\/strong><\/td>\n<td><strong>ISIN (Reinvestment)<\/strong><\/td>\n<td><strong>NAV (Rs)<\/strong><\/td>\n<td><strong>NAV Date<\/strong><\/td>\n<\/tr>\n<tr>\n<td>133868<\/td>\n<td>Direct Plan<\/td>\n<td>Growth<\/td>\n<td>INF761K01DG8<\/td>\n<td>&#8211;<\/td>\n<td>14.7248<\/td>\n<td>20-Jul-2026<\/td>\n<\/tr>\n<tr>\n<td>133867<\/td>\n<td>Regular Plan<\/td>\n<td>Growth<\/td>\n<td>INF761K01DH6<\/td>\n<td>&#8211;<\/td>\n<td>14.3071<\/td>\n<td>20-Jul-2026<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Investment_Objective_and_Portfolio_Approach\"><\/span><strong>Investment Objective and Portfolio Approach<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bank Of India Credit Risk Fund seeks to generate regular income and capital appreciation by investing at least 65% of the portfolio in AA and below rated corporate bonds, taking on higher credit risk in exchange for potentially higher yields.<\/p>\n<p>In terms of portfolio construction, the scheme holds primarily corporate bonds rated AA and below, seeking higher yield by accepting higher issuer credit risk compared with investment grade funds.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bank_Of_India_Credit_Risk_Fund_Performance_and_Returns\"><\/span><strong>Bank Of India Credit Risk Fund Performance and Returns<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bank Of India Credit Risk Fund has delivered returns that are dependent on the fund manager&#8217;s portfolio decisions, market conditions and the expense ratio differential between plans; investors should check the latest factsheet for current figures. Performance across individual plans and options may vary slightly due to differing expense ratios and whether gains are paid out under the IDCW option or reinvested under the Growth option.<\/p>\n<p>The Direct Plan of any mutual fund typically delivers a slightly higher return than the Regular Plan of the same scheme over time, since it charges a lower expense ratio by excluding distributor commission. Investors should review the latest scheme factsheet from the AMC for current performance figures.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Direct_Plan_vs_Regular_Plan_Key_Differences_in_Bank_Of_India_Credit_Risk_Fund\"><\/span><strong>Direct Plan vs Regular Plan: Key Differences in Bank Of India Credit Risk Fund<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Direct Plan of Bank Of India Credit Risk Fund is available for investors transacting directly with the AMC or through a registered investment advisor, and carries lower than the Regular Plan of the same scheme, since it excludes distributor commission. The Regular Plan carries not independently verified; investors should check the latest expense ratio on the AMC website or Univest Screener.<\/p>\n<p>Over longer holding periods, the compounding effect of this cost difference can be meaningful, which is why cost conscious investors often prefer the Direct Plan when they are comfortable transacting without distributor support.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Growth_Option_vs_IDCW_Option_in_Bank_Of_India_Credit_Risk_Fund\"><\/span><strong>Growth Option vs IDCW Option in Bank Of India Credit Risk Fund<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Growth option of Bank Of India Credit Risk Fund reinvests any gains back into the scheme NAV, supporting long term wealth compounding for investors who do not need periodic payouts.<\/p>\n<p>The IDCW option of Bank Of India Credit Risk Fund distributes available surplus to unit holders according to the chosen frequency, subject to the fund house declaring a distribution. Payouts under any IDCW option are not guaranteed and depend on distributable surplus.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Expense_Ratio_and_Exit_Load\"><\/span><strong>Expense Ratio and Exit Load<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The expense ratio for the Regular Plan of Bank Of India Credit Risk Fund is not independently verified; investors should check the latest expense ratio on the AMC website or Univest Screener, while the Direct Plan carries lower than the Regular Plan of the same scheme, since it excludes distributor commission. This is the annual fee deducted from the scheme&#8217;s assets.<\/p>\n<p>The exit load on Bank Of India Credit Risk Fund is a meaningful exit load (often around 1% to 2%) for redemptions within 1 to 2 years, since credit risk funds are designed for patient investors; exact terms should be confirmed in the scheme information document.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Who_Should_Consider_Bank_Of_India_Credit_Risk_Fund\"><\/span><strong>Who Should Consider Bank Of India Credit Risk Fund<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Conservative income seekers.<\/strong> Bank Of India Credit Risk Fund suits investors looking for stable income with lower volatility than equity funds.<\/p>\n<p><strong>Medium term investors.<\/strong> A holding period matching the scheme&#8217;s duration target is generally advisable for the scheme.<\/p>\n<p><strong>Investors stepping down risk.<\/strong> The scheme can be suitable for investors shifting from equity to debt as they approach a financial goal.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Risks_in_the_scheme\"><\/span><strong>Key Risks in the scheme<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Credit risk.<\/strong> The scheme deliberately holds a significant proportion of AA and below rated bonds, which carry a higher probability of default compared with investment grade funds.<\/p>\n<p><strong>Liquidity risk.<\/strong> Lower rated bonds can be harder to sell quickly in a risk-off market environment without taking a price haircut.<\/p>\n<p><strong>Interest rate risk.<\/strong> Changes in credit spreads and benchmark rates both affect the NAV of {kw}.<\/p>\n<p><strong>Mark to market risk.<\/strong> Any credit event or downgrade in the underlying portfolio can trigger a sharp fall in NAV.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Invest_in_Bank_Of_India_Credit_Risk_Fund\"><\/span><strong>How to Invest in Bank Of India Credit Risk Fund<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Investors evaluating Bank Of India Credit Risk Fund should begin by deciding between the Direct and Regular Plan, and between the Growth option for long term compounding and the IDCW option for periodic payouts.<\/p>\n<p>Completing KYC through a SEBI registered intermediary or the AMC portal is mandatory before investing for the first time. Investors who have existing KYC registration can proceed directly.<\/p>\n<p>Investment in Bank Of India Credit Risk Fund can be made as a lump sum or through a Systematic Investment Plan of at least Rs 1,000 lump sum for most credit risk funds, followed by regular monitoring of NAV and portfolio composition at least quarterly.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Check the Univest Screener for Live Mutual Fund and Stock Data<\/strong><\/a><\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Bank Of India Credit Risk Fund NAV updates and get research backed investment ideas.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bank Of India Credit Risk Fund is a credit risk fund scheme from Bank of India Mutual Fund available across 2 plan and option variants, giving investors flexibility in cost structure and payout approach. The representative NAV of Rs 14.7248 for the Direct Plan Growth option as on 20-Jul-2026 reflects the scheme&#8217;s performance since launch. Investors should review the latest scheme information document and consult a SEBI registered advisor before investing.<\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_on_Bank_Of_India_Credit_Risk_Fund\"><\/span><strong>Frequently Asked Questions on Bank Of India Credit Risk Fund<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_plans_and_options_are_available_in_Bank_Of_India_Credit_Risk_Fund\"><\/span><strong>What plans and options are available in Bank Of India Credit Risk Fund?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bank Of India Credit Risk Fund is available in Direct and Regular Plans and Growth, giving investors 2 scheme codes to choose from depending on cost preference and payout requirements.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_latest_NAV_of_Bank_Of_India_Credit_Risk_Fund\"><\/span><strong>What is the latest NAV of Bank Of India Credit Risk Fund?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The latest NAV of the Direct Plan Growth option of Bank Of India Credit Risk Fund is Rs 14.7248 as on 20-Jul-2026. NAVs for all plan and option variants are updated at the end of every business day.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_investment_objective_of_Bank_Of_India_Credit_Risk_Fund\"><\/span><strong>What is the investment objective of Bank Of India Credit Risk Fund?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The primary objective of Bank Of India Credit Risk Fund is to generate regular income and capital appreciation by investing at least 65% of the portfolio in AA and below rated corporate bonds, taking on higher credit risk in exchange for potentially higher yields.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_difference_between_the_Direct_and_Regular_Plan_in_Bank_Of_India_Credit_Risk_Fund\"><\/span><strong>What is the difference between the Direct and Regular Plan in Bank Of India Credit Risk Fund?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The Direct Plan of Bank Of India Credit Risk Fund carries lower than the Regular Plan of the same scheme, since it excludes distributor commission, excluding distributor commission. The Regular Plan carries not independently verified; investors should check the latest expense ratio on the AMC website or Univest Screener. The lower cost of the Direct Plan can improve long term compounding.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_expense_ratio_of_Bank_Of_India_Credit_Risk_Fund\"><\/span><strong>What is the expense ratio of Bank Of India Credit Risk Fund?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The Regular Plan of Bank Of India Credit Risk Fund carries an expense ratio of not independently verified; investors should check the latest expense ratio on the AMC website or Univest Screener, and the Direct Plan carries lower than the Regular Plan of the same scheme, since it excludes distributor commission. The exact current figure can be confirmed in the latest AMC factsheet.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_exit_load_on_Bank_Of_India_Credit_Risk_Fund\"><\/span><strong>What is the exit load on Bank Of India Credit Risk Fund?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The exit load on Bank Of India Credit Risk Fund is a meaningful exit load (often around 1% to 2%) for redemptions within 1 to 2 years, since credit risk funds are designed for patient investors; exact terms should be confirmed in the scheme information document. Investors should confirm this in the current scheme information document before redeeming.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Who_should_invest_in_Bank_Of_India_Credit_Risk_Fund\"><\/span><strong>Who should invest in Bank Of India Credit Risk Fund?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bank Of India Credit Risk Fund can suit investors whose financial goals, risk appetite and investment horizon align with the credit risk fund category. Consult a SEBI registered advisor to assess personal suitability.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Bank_Of_India_Credit_Risk_Fund_a_good_investment\"><\/span><strong>Is Bank Of India Credit Risk Fund a good investment?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bank Of India Credit Risk Fund can be appropriate for investors who understand the credit risk fund category mandate and are comfortable with the associated risk. 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