Bank of India Credit Risk Fund vs Aditya Birla Sun Life Credit Risk Fund
Bank of India Credit Risk Fund (Direct) and Aditya Birla Sun Life Credit Risk Fund (Direct) head to head: growth of ₹100, returns across every window, risk, cost, and portfolio overlap — every figure computed from AMFI NAV history, nothing supplied by a fund house. Both are Credit Risk Fund schemes — see the best credit risk mutual funds for the full ranking.
Head to head
NAVs as of 20 Aug 2026
Growth of ₹100 (rebased over the selected window)
Common period 22 Apr 2015 – 20 Aug 2026, limited by Aditya Birla Sun Life Credit Risk Fund. Every series is rebased to ₹100 at the start of this window.
View as table
| Date | Bank of India Credit Risk Fund | Aditya Birla Sun Life Credit Risk Fund |
|---|---|---|
| 22 Apr 2015 | ₹100.00 | ₹100.00 |
| 01 Apr 2016 | ₹109.11 | ₹109.07 |
| 12 Mar 2017 | ₹120.68 | ₹119.93 |
| 20 Feb 2018 | ₹130.74 | ₹130.78 |
| 30 Jan 2019 | ₹130.42 | ₹140.27 |
| 10 Jan 2020 | ₹71.38 | ₹144.23 |
| 20 Dec 2020 | ₹39.57 | ₹158.03 |
| 30 Nov 2021 | ₹43.40 | ₹169.38 |
| 10 Nov 2022 | ₹105.22 | ₹181.73 |
| 21 Oct 2023 | ₹111.01 | ₹194.96 |
| 29 Sep 2024 | ₹117.64 | ₹213.98 |
| 09 Sep 2025 | ₹124.87 | ₹248.74 |
| 20 Aug 2026 | ₹146.63 | ₹280.16 |
| Metric | Bank of India · Direct NAV ₹14.82 Moderate risk ★★★☆☆ | Aditya Birla Sun Life · Direct NAV ₹28.07 Moderate risk ★★★★☆ | Category median Credit Risk Fund · 12 funds |
|---|---|---|---|
| +17.70%Best in row | +13.00% | +8.50% | |
| +10.06% | +13.23%Best in row | +9.08% | |
| +27.78%Best in row | +10.94% | +8.08% | |
| +2.51% | +9.39%Best in row | +7.84% | |
| +3.47% | +9.52%Best in row | +8.49% | |
| +16.64%Best in row | +12.57% | — | |
| +4.11% | +8.63%Best in row | +8.20% | |
| +0.38% | +8.35%Best in row | +7.58% | |
| +2.15% | +9.31%Best in row | +7.99% | |
| Risk | |||
| 4.37% | 3.44%Best in row | 1.36% | |
| 0.81 | 1.96Best in row | 1.74 | |
| 10.27Best in row | 10.02 | 4.03 | |
| -73.37% | -3.87%Best in row | -3.67% | |
| 0.62%Best in row | 0.80% | 0.81% | |
| ₹94.09Cr | ₹1,337Cr | ₹414.18Cr | |
| Up to 4.00% | 1.00% | — | |
| ₹1.00K | ₹100 | — | |
| ₹5.00K | ₹100 | — | |
| — | 59% | 59% | |
| Alok Singh | Mohit Sharma | — | |
| 09 Mar 2015 | 22 Apr 2015 | — | |
| 34.6% | 5.9% | — | |
8 rows carry the same value for every fund — show
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Best marks the strongest value in a row, and only where the gap is bigger than noise — a near-tie is left unmarked rather than dressed up as a result. SIP XIRR is a ₹10,000/month instalment over 5 years of real NAV history. Nothing here is supplied by a fund house. For research only — not investment advice.
Frequently asked questions
Which fund has delivered higher returns — Bank of India Credit Risk Fund or Aditya Birla Sun Life Credit Risk Fund?
Over the last 3 years, Aditya Birla Sun Life Credit Risk Fund returned +13.23% CAGR against Bank of India Credit Risk Fund's +10.06%, computed from AMFI NAV history. Over 5 years: Bank of India Credit Risk Fund +27.78% vs Aditya Birla Sun Life Credit Risk Fund +10.94% CAGR. Past returns don't guarantee future performance.
Which fund is cheaper — Bank of India Credit Risk Fund or Aditya Birla Sun Life Credit Risk Fund?
Bank of India Credit Risk Fund has the lower expense ratio: Bank of India Credit Risk Fund charges 0.62% a year against Aditya Birla Sun Life Credit Risk Fund's 0.80%. The expense ratio is deducted from the NAV daily, so a lower one compounds in the investor's favour.
Which fund is riskier — Bank of India Credit Risk Fund or Aditya Birla Sun Life Credit Risk Fund?
Bank of India Credit Risk Fund has shown higher volatility (+4.37% annualized vs Aditya Birla Sun Life Credit Risk Fund's +3.44%), measured as the annualized standard deviation of daily returns over the trailing 3 years. Worst 3-year drawdown: Bank of India Credit Risk Fund -0.21% vs Aditya Birla Sun Life Credit Risk Fund -0.38%.
Which fund manages more money — Bank of India Credit Risk Fund or Aditya Birla Sun Life Credit Risk Fund?
Aditya Birla Sun Life Credit Risk Fund is the larger fund: Bank of India Credit Risk Fund manages ₹94.09Cr against Aditya Birla Sun Life Credit Risk Fund's ₹1,337Cr in assets. Size cuts both ways — scale lowers costs, but a very large fund can find it harder to move in and out of positions.
Are Bank of India Credit Risk Fund and Aditya Birla Sun Life Credit Risk Fund in the same category?
Yes — both are Credit Risk Fund schemes, so their returns, risk and cost are directly comparable against the same peer set.
Figures update daily from AMFI NAV history; ratings and ranks are WealthTicker’s own — see the methodology. This is data, not investment advice.