Bandhan Credit Risk Fund Direct-Growth

Q: What are the returns of this mutual fund scheme?

The Bandhan Credit Risk Fund Direct-Growth is a 8 yrs 11 m old fund and has delivered average annual returns of 7.02% since inception. Bandhan Credit Risk Fund Direct-Growth Returns 1-Year 3-Year 5-Year Since Inception 6.57% 7.27% 6.35% 7.02%

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹18.3137+0.0% 1 day change	7.02% p.a.	App exclusive #NA View Ranked Funds	₹247 Cr

Historical NAV & returns

NAV: ₹18.3137 as on Feb 02, 2026

This fund Category average

Bandhan Credit Risk Fund overview

Expense ratio	0.67% as on Feb 02, 2026
Exit load	1.0% Exit load of 1% if redeemed within 365 days.!
AUM (Fund size)	₹247 Cr
Lock-in Period	Nil
Age	8 yrs 11 m since Feb 14, 2017
Benchmark	NIFTY Credit Risk Bond Index B-II
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Bandhan Credit Risk Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Feb 03, 2026

Period	This fund	Category average
1 Month	0.04%	0.21%
3 Months	0.85%	1.03%
6 Months	1.99%	2.65%
1 Year	6.57%	7.65%
2 Years	7.41%	8.02%
3 Years	7.27%	7.96%
4 Years	6.68%	7.25%
5 Years	6.35%	6.94%
7 Years	7.05%	7.45%

Asset allocationas on Dec 31, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AA 48.69%

AAA 16.49%

SOV 15.74%

Cash & Call Money 12.27%

Top Debt Holdings

GOI 15.74%

Power Finance Corporation Ltd. 8.3%

National Bank For Agriculture & Rural Development 8.19%

Tata Projects Ltd. 8.16%

Allocation by Instruments

Non Convertible Debenture 40.72%

Debenture 22.42%

GOI Securities 15.74%

Reverse Repo 9.65%

Other Holdings

Others 2.62%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bandhan Credit Risk Fund	0.04%	1.99%	6.57%	7.27%	6.35%	N.A.
Baroda BNP Paribas Credit Risk Fund	0.25%	3.1%	8.19%	8.58%	10.13%	8.57%
Bank of India Credit Risk Fund	5.17%	7.99%	11.93%	8.03%	27.54%	2.29%
ICICI Prudential Credit Risk Fund	0.35%	4.1%	9.65%	9.13%	8.03%	8.65%
Aditya Birla Sun Life Credit Risk Fund	0.15%	7.16%	17.44%	12.77%	10.75%	9.48%
SBI Credit Risk Fund	0.19%	2.66%	7.97%	8.66%	7.46%	8.0%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bandhan Credit Risk Fund	0.98	1.22	0.98	1.44
Baroda BNP Paribas Credit Risk Fund	0.76	0.94	2.83	4.89
Bank of India Credit Risk Fund	2.78	-4.26	0.59	5.08
ICICI Prudential Credit Risk Fund	0.95	0.88	2.73	6.9
Aditya Birla Sun Life Credit Risk Fund	2.91	-1.99	2.06	8.45
SBI Credit Risk Fund	1.24	1.01	1.8	4.42

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Bandhan Credit Risk Fund	N.A.	247 Cr	8 yrs 11 m	0.67%
Baroda BNP Paribas Credit Risk Fund	N.A.	185 Cr	11 yrs	0.85%
Bank of India Credit Risk Fund	N.A.	107 Cr	10 yrs 11 m	1.12%
ICICI Prudential Credit Risk Fund	N.A.	5,920 Cr	13 yrs 1 m	0.76%
Aditya Birla Sun Life Credit Risk Fund	N.A.	1,092 Cr	10 yrs 10 m	0.8%
SBI Credit Risk Fund	N.A.	2,175 Cr	13 yrs 1 m	0.89%

View all Credit Risk funds

Key risk & return ratios Compared to other funds in the category

Alpha	3.23 vs. 5.01 Underperformed at beating benchmark
Sharpe	0.98 vs. 4.91 Poor risk-adjusted returns
Beta	1.22 vs. 3.52 Less sensitive to market ups & downs
Standard deviation	0.98 vs. 2.19 More stable returns

About this fund

About Bandhan Credit Risk Fund

Bandhan Credit Risk Fund Direct-Growth is a Credit Risk mutual fund scheme from Bandhan Mutual Fund. This fund has been in existence for 8 yrs 11 m, having been launched on 14/02/2017. Bandhan Credit Risk Fund Direct-Growth has ₹247 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Bandhan Credit Risk Fund Direct-Growth as of 02/02/2026 is ₹18.31. The fund has an expense ratio of 0.67%, which is less than what most other Credit Risk funds charge.

Bandhan Credit Risk Fund Direct-Growth returns of last 1-year are 6.63%. Since launch, it has delivered 7.01% average annual returns.
Bandhan Credit Risk Fund Direct-Growth scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is low.
The fund's credit profile is low indicating it has lent to borrowers whose quality is not too great. Most funds in this category lend to similar borrowers and hence the risk of default in this fund is same as the category.
The fund's top holdings are in GOI, Power Finance Corporation Ltd., National Bank For Agriculture & Rural Development, Tata Projects Ltd., Aditya Birla Real Estate Ltd..

...

Fund AUM	247 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

Fund managers

Gautam Kaul

Mr. Kaul is a B.Com (H) and MBA (Finance). Prior to joining Bandhan Mutual Fund(formerly IDFC Mutual Fund), he has worked with Edelweiss AMC, Invesco Mutual Fund, Sahara India Asset Management Company Pvt. Ltd, IDBI AMC. and Mata Securities (India) Pvt. Ltd.

Debraj Lahiri

Mr. Lahiri has done B.Tech and MBA Prior to joining Bandhan Mutual Fund, he has worked with ICICI Prudential AMC Ltd, Invesco Asset Management (India) Pvt. Ltd, CARE Ratings and Bank of Baroda

Investment objective

The Fund seeks to generate returns by predominantly investing AA and below rated corporate debt securities across maturities.

Bandhan Mutual Fund details

No. of schemes	68 view all schemes
Total AUM	1,99,722 Cr as on Dec 31, 2025
Address	One World Centre, 6th Floor, Tower 1C, Senapati Bapat Marg, Prabhadevi Mumbai, 400013

More funds from Bandhan Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
Bandhan Crisil IBX Gilt April 2032 Index Fund	N.A.	438 Cr	6.85%	N.A.
Bandhan Gilt Fund with 10 year Constant Duration Fund	N.A.	340 Cr	6.35%	8.01%
Bandhan CRISIL IBX 90:10 SDL Plus Gilt- April 2032 Index Fund	N.A.	420 Cr	6.01%	7.89%
Bandhan CRISIL IBX 90:10 SDL Plus Gilt-September 2027 Index Fund	N.A.	150 Cr	7.61%	7.8%
Bandhan CRISIL IBX Gilt April 2028 Index Fund	N.A.	4,192 Cr	7.73%	7.77%
Bandhan Floater Fund	N.A.	298 Cr	7.31%	7.75%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Bandhan Credit Risk Fund Direct-Growth?

The current Net Asset Value (NAV) of the Bandhan Credit Risk Fund - Direct Growth plan is approximately ₹18.3137 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The Bandhan Credit Risk Fund Direct-Growth is a 8 yrs 11 m old fund and has delivered average annual returns of 7.02% since inception.

Bandhan Credit Risk Fund Direct-Growth Returns

1-Year	3-Year	5-Year	Since Inception
6.57%	7.27%	6.35%	7.02%

How much does this mutual fund charge as expense ratio?

The Bandhan Credit Risk Fund - Direct Growth has an expense ratio of 0.67%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The Bandhan Credit Risk Fund currently has assets under management (AUM) or fund size valued at approximately 247 Cr as on Dec 31, 2025.

To whom does Bandhan Credit Risk Fund lend to?

The top 3 debt holdings of Bandhan Credit Risk Fund are as follows

Holding Name	Percentage of Portfolio
GOI	15.74%
Power Finance Corporation Ltd.	8.3%
National Bank For Agriculture & Rural Development	8.19%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Bandhan Credit Risk Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AA	48.69%
AAA	16.49%
SOV	15.74%

What is risk level of Bandhan Credit Risk Fund?

This is a Credit Risk fund comes with Moderate risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How do I invest in Bandhan Credit Risk Fund Direct-Growth?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. The whole process takes just a few minutes. Here's how it works:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for Bandhan Credit Risk Fund - Direct Growth, select your investment mode (lump sum or SIP), and enter the investment amount.
Provide the required details, including the bank account you'll use for payment, and confirm your investment.

That's it. Your investment in the Bandhan Credit Risk Fund is complete.

How can I redeem my investments in Bandhan Credit Risk Fund?

Redeeming your investments in the Bandhan Credit Risk Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Credit Risk

#NA

Expense Ratio: This fund has the 3rd lowest expense ratio amongst actively/passively managed Credit Risk funds.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load of 1% if redeemed within 365 days.