﻿<?xml version="1.0" encoding="utf-8"?><SchemeSummaryDocument xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><SchemeSummary><Fund_Name>Bank of India Credit Risk Fund</Fund_Name><Option_Names_Regular__Direct>Direct Plan - Growth
Regular Plan - Growth</Option_Names_Regular__Direct><Fund_Type>An open ended debt scheme predominantly investing in AA and  below rated corporate bonds (excluding AA+ rated corporate bonds.) A Moderate Interest Rate Risk and Relatively High Credit Risk.</Fund_Type><Riskometer_At_the_time_of_Launch>Very High</Riskometer_At_the_time_of_Launch><Riskometer_as_on_Date>Moderately High</Riskometer_as_on_Date><Category_as_Per_SEBI_Categorization_Circular>Credit Risk Fund</Category_as_Per_SEBI_Categorization_Circular><Potential_Risk_Class_as_on_date>C-II</Potential_Risk_Class_as_on_date><Description_Objective_of_the_scheme>The Scheme’s investment objective is to generate capital appreciation over the long term by investing predominantly in corporate debt across the credit spectrum within the universe of investment grade rating. To achieve this objective, the Scheme will seek to make investments in rated, unrated instruments and structured obligations of public and private companies.
However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.</Description_Objective_of_the_scheme><Stated_Asset_Allocation>Corporate Debt (including securitized debt-65% to 100%-Medium to High
Money market instruments-0% to 35%-Low</Stated_Asset_Allocation><Face_Value>10</Face_Value><NFO_Open_Date>06 Feb 2015</NFO_Open_Date><NFO_Close_date>20 Feb 2015</NFO_Close_date><Allotment_Date>27-Feb-2015 (Regular Plan) and for  Direct Plan - 27.Feb.2015</Allotment_Date><Reopen_Date>09 Mar 2015</Reopen_Date><Maturity_Date_For_closedend_funds>Not applicable</Maturity_Date_For_closedend_funds><Benchmark_Tier_1>CRISIL Credit Risk Debt B-II  Index</Benchmark_Tier_1><Benchmark_Tier_2>-</Benchmark_Tier_2><Fund_Manager_Name>Mr.Alok Singh</Fund_Manager_Name><Fund_Manager_Type_PrimaryComanageDescription>Primary Fund Manager having around 20 years of experience, including 16 years in mutual fund industry.</Fund_Manager_Type_PrimaryComanageDescription><Fund_Manager_From_Date>27 Feb 2015</Fund_Manager_From_Date><Annual_Expense_Stated_maximum>Regular 1.36, Direct 0.61</Annual_Expense_Stated_maximum><Exit_Load_if_applicable>• If redeemed/ switched-out within 1 year from the date of allotment: - For 10% of investments: Nil - For remaining investments:1% • If redeemed/ switched-out after 1 year from the date of allotment: Nil</Exit_Load_if_applicable><Custodian>Deutsche Bank AG</Custodian><Auditor>Chokshi &amp;amp; Chokshi LLP (Statutory Auditors)</Auditor><Registrar>KFin Technologies Private Limited</Registrar><RTA_Code_To_be_phased_out>116</RTA_Code_To_be_phased_out><Listing_Details>Not applicable</Listing_Details><ISINs>INF761K01DG8 Bank of India Credit Risk Fund Direct Plan Growth
INF761K01DH6 Bank of India Credit Risk Fund Regular Plan Growth
</ISINs><AMFI_Codes_To_be_phased_out>CSDG-133868
CSRG-133867</AMFI_Codes_To_be_phased_out><SEBI_Codes>BOIA/O/D/CRF/14/09/0009</SEBI_Codes><Minimum_Application_Amount>5000</Minimum_Application_Amount><Minimum_Application_Amount_in_multiples_of_Rs>1</Minimum_Application_Amount_in_multiples_of_Rs><Minimum_Additional_Amount>1000</Minimum_Additional_Amount><Minimum_Additional_Amount_in_multiples_of_Rs>1</Minimum_Additional_Amount_in_multiples_of_Rs><Minimum_Redemption_Amount_in_Rs>1</Minimum_Redemption_Amount_in_Rs><Minimum_Redemption_Amount_in_Units>0.001</Minimum_Redemption_Amount_in_Units><Minimum_Balance_Amount_if_applicable>Currently, there is no minimum balance requirement</Minimum_Balance_Amount_if_applicable><Minimum_Balance_Amount_in_Units_if_applicable>There is no limit on the maximum amount to be raised under the Scheme.</Minimum_Balance_Amount_in_Units_if_applicable><Max_Investment_Amount>-</Max_Investment_Amount><Minimum_Switch_Amount_if_applicable>5000</Minimum_Switch_Amount_if_applicable><Minimum_Switch_Units>-</Minimum_Switch_Units><Switch_Multiple_Amount_if_applicable>1</Switch_Multiple_Amount_if_applicable><Switch_Multiple_Units_if_applicable>-</Switch_Multiple_Units_if_applicable><Max_Switch_Amount>Not applicable.</Max_Switch_Amount><Max_Switch_Units_if_applicable>-</Max_Switch_Units_if_applicable><Swing_Pricing_if_applicable>-</Swing_Pricing_if_applicable><Sidepocketing_if_applicable>Enabling provision in SID. However, no segregated portfolio is created.</Sidepocketing_if_applicable><SIP_SWP__STP_Details_Frequency>Not applicable</SIP_SWP__STP_Details_Frequency><SIP_SWP__STP_Details_Minimum_amount>Not applicable</SIP_SWP__STP_Details_Minimum_amount><SIP_SWP__STP_Details_In_multiple_of>Not applicable</SIP_SWP__STP_Details_In_multiple_of><SIP_SWP__STP_Details_Minimum_Instalments>Not applicable</SIP_SWP__STP_Details_Minimum_Instalments><SIP_SWP__STP_Details_Dates>Not Applicable</SIP_SWP__STP_Details_Dates><SIP_SWP__STP_Details_Maximum_Amount_if_any>-</SIP_SWP__STP_Details_Maximum_Amount_if_any></SchemeSummary></SchemeSummaryDocument>