Bank of India Credit Risk Fund vs HSBC Credit Risk Fund
Bank of India Credit Risk Fund (Direct) and HSBC 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 28 Nov 2022 – 20 Aug 2026, limited by HSBC 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 | HSBC Credit Risk Fund |
|---|---|---|
| 28 Nov 2022 | ₹100.00 | ₹100.00 |
| 21 Mar 2023 | ₹101.45 | ₹102.04 |
| 13 Jul 2023 | ₹103.54 | ₹104.53 |
| 03 Nov 2023 | ₹105.39 | ₹106.70 |
| 25 Feb 2024 | ₹107.12 | ₹109.08 |
| 17 Jun 2024 | ₹110.03 | ₹111.66 |
| 09 Oct 2024 | ₹111.82 | ₹114.84 |
| 30 Jan 2025 | ₹113.57 | ₹117.34 |
| 23 May 2025 | ₹116.52 | ₹136.58 |
| 14 Sep 2025 | ₹118.33 | ₹138.62 |
| 05 Jan 2026 | ₹120.96 | ₹141.32 |
| 29 Apr 2026 | ₹129.22 | ₹143.60 |
| 20 Aug 2026 | ₹138.91 | ₹147.33 |
| Metric | Bank of India · Direct NAV ₹14.82 Moderate risk ★★★☆☆ | HSBC · Direct NAV ₹37.67 Moderate risk ★★★★☆ | Category median Credit Risk Fund · 12 funds |
|---|---|---|---|
| +17.70%Best in row | +6.68% | +8.50% | |
| +10.06% | +11.81%Best in row | +9.08% | |
| +27.78% | — | +8.08% | |
| +2.51% | — | +7.84% | |
| +3.47% | +10.96%Best in row | +8.49% | |
| +16.64%Best in row | +11.99% | — | |
| +4.11% | +11.82%Best in row | +8.20% | |
| +0.38% | — | +7.58% | |
| +2.15% | — | +7.99% | |
| Risk | |||
| 4.37%Best in row | 6.57% | 1.36% | |
| 10.27 | 10.98Best in row | 4.03 | |
| -73.37% | -0.38%Best in row | -3.67% | |
| 0.62%Best in row | 0.84% | 0.81% | |
| ₹94.09Cr | ₹473.50Cr | ₹414.18Cr | |
| Up to 4.00% | Up to 1.00% | — | |
| Alok Singh | Shriram Ramanathan · 13.6y | — | |
| 09 Mar 2015 | 28 Nov 2022 | — | |
| 34.6% | 2.4% | — | |
12 rows carry the same value for every fund — show
- Sharpe
- 0.81
- Benchmark
- —
- Alpha
- —
- Beta
- —
- Upside capture
- —
- Downside capture
- —
- Lock-in
- None
- Min SIP
- ₹1.00K
- Min lumpsum
- ₹5.00K
- Portfolio turnover
- —
- Holdings
- —
- Top 10 weight
- —
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 HSBC Credit Risk Fund?
Over the last 3 years, HSBC Credit Risk Fund returned +11.81% CAGR against Bank of India Credit Risk Fund's +10.06%, computed from AMFI NAV history. Past returns don't guarantee future performance.
Which fund is cheaper — Bank of India Credit Risk Fund or HSBC 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 HSBC Credit Risk Fund's 0.84%. 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 HSBC Credit Risk Fund?
HSBC Credit Risk Fund has shown higher volatility (+6.57% annualized vs Bank of India Credit Risk Fund's +4.37%), 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 HSBC Credit Risk Fund -0.38%.
Which fund manages more money — Bank of India Credit Risk Fund or HSBC Credit Risk Fund?
HSBC Credit Risk Fund is the larger fund: Bank of India Credit Risk Fund manages ₹94.09Cr against HSBC Credit Risk Fund's ₹473.50Cr 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 HSBC 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.