Bandhan Credit Risk Fund Direct-Growth

Q: What are the returns of Bandhan Credit Risk Fund?

The Bandhan Credit Risk Fund is a 8 yrs 2 m old fund and has delivered average annual returns of 7.23% since inception. Bandhan Credit Risk Fund Returns 1-Year 3-Year 5-Year Since Inception 9.57% 7.37% 6.94% 7.23%

NAV as of Apr 23, 2025	Returns since inception	ET Money Rank	VRO Ratings
₹17.6592+0.02% 1 day change	7.23% p.a.	#NA View Ranked Funds	2

Historical NAV & returns

NAV: ₹17.6592 as on Apr 23, 2025

This fund Category average

Bandhan Credit Risk Fund overview

VRO rating	2
Expense ratio	0.68% as on Mar 31, 2025
Exit load	1.0% Exit load of 1% if redeemed within 365 days.!
AUM (Fund size)	₹286 Crs
Lock-in	No Lockin
Age	8 yrs 2 m since Feb 14, 2017
Benchmark	NIFTY Credit Risk Bond Index B-II
Min. investment	SIP ₹500 & Lump. ₹1000
Risk	Moderately High
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 Apr 24, 2025

Period	This fund	Category average
1 month	1.59%	1.51%
3 months	3.0%	3.38%
6 months	4.87%	5.24%
1 year	9.57%	10.28%
3 years	7.37%	8.2%
5 years	6.94%	10.01%
7 years	7.24%	6.31%

Asset allocationas on Mar 31, 2025

Large Cap 0.0%

Mid Cap 0.0%

Small Cap 0.0%

Other Cap 0.0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AA 54.32%

SOV 23.67%

AA+ 12.35%

A1+ 4.91%

Top Debt Holdings

GOI 23.67%

Aditya Birla Real Estate Ltd. 14.01%

Tata Projects Ltd. 10.53%

Godrej Industries Ltd. 8.83%

Allocation by Instruments

Debenture 43.88%

GOI Securities 23.67%

Non Convertible Debenture 10.53%

Additional Tier 2 Bond 7.02%

Other Holdings

Others 0.86%

Peer comparison

Fund name	ETM Rank	AUM (in Crs.)	Fund age	Expense ratio
Bandhan Credit Risk Fund	N.A.	₹286 Crs	8 yrs 2 m	0.68%
SBI Credit Risk Fund	N.A.	₹2,255 Crs	12 yrs 3 m	0.89%
Bank of India Credit Risk Fund	N.A.	₹110 Crs	10 yrs 2 m	1.12%
Aditya Birla Sun Life Credit Risk Fund	N.A.	₹970 Crs	10 yrs	0.67%
ICICI Prudential Credit Risk Fund	N.A.	₹6,131 Crs	12 yrs 3 m	0.77%
Baroda BNP Paribas Credit Risk Fund	N.A.	₹173 Crs	10 yrs 3 m	0.79%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Bandhan Credit Risk Fund	1.59%	4.87%	9.57%	7.37%	6.94%	N.A.
SBI Credit Risk Fund	1.53%	5.11%	9.97%	8.33%	8.03%	8.2%
Bank of India Credit Risk Fund	1.14%	3.42%	5.9%	5.8%	27.38%	2.03%
Aditya Birla Sun Life Credit Risk Fund	1.72%	8.68%	18.16%	11.58%	10.6%	9.14%
ICICI Prudential Credit Risk Fund	1.64%	4.8%	10.02%	8.25%	8.31%	8.65%
Baroda BNP Paribas Credit Risk Fund	1.5%	4.8%	10.03%	8.21%	10.01%	8.83%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Bandhan Credit Risk Fund	1.05	2.12	0.48	0.54
SBI Credit Risk Fund	1.35	2.02	1.14	1.96
Bank of India Credit Risk Fund	0.89	1.21	-0.72	-1.06
Aditya Birla Sun Life Credit Risk Fund	2.98	1.94	1.52	5.49
ICICI Prudential Credit Risk Fund	1.05	1.95	1.37	2.01
Baroda BNP Paribas Credit Risk Fund	0.93	1.82	1.5	1.5

View all Credit Risk funds

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

Alpha	4.92 vs. 5.04 Underperformed at beating benchmark
Sharpe	0.48 vs. 5.28 Poor risk-adjusted returns
Beta	2.12 vs. 1.94 More sensitive to market's ups & downs
Standard deviation	1.05 vs. 1.83 More stable returns

Compare Bandhan Credit Risk Fund in detail with

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 2 m, having been launched on 14/02/2017. Bandhan Credit Risk Fund Direct-Growth has ₹286 Crores worth of assets under management (AUM) as on 31/03/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Bandhan Credit Risk Fund Direct-Growth as of 23/04/2025 is ₹17.66. The fund has an expense ratio of 0.68%, which is less than what most other Credit Risk funds charge.

Bandhan Credit Risk Fund Direct-Growth returns of last 1-year are 9.56%. Since launch, it has delivered 7.23% 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 below average.
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, Aditya Birla Real Estate Ltd., Tata Projects Ltd., Godrej Industries Ltd., TVS Credit Services Ltd..

...

Fund AUM	₹286 Crs as on Mar 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	66 view all schemes
Total AUM	₹1,67,339 Crs as on Mar 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 (in Crs.)	1Y	3Y
Bandhan GSF Investment Fund	N.A.	₹3,542 Crs	13.5%	8.62%
Bandhan Government Securities Fund Constant Maturity Plan	N.A.	₹342 Crs	13.16%	8.57%
Bandhan Dynamic Bond Fund	N.A.	₹2,962 Crs	13.24%	8.4%
Bandhan CRISIL IBX 90:10 SDL Plus Gilt- April 2032 Index Fund	N.A.	₹574 Crs	12.03%	N.A.
Bandhan Floating Rate Fund	N.A.	₹257 Crs	10.2%	7.55%
Bandhan CRISIL IBX Gilt April 2028 Index Fund	N.A.	₹4,697 Crs	9.75%	7.45%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Bandhan Credit Risk Fund?

The current Net Asset Value (NAV) of the Bandhan Credit Risk Fund - Direct Growth plan is approximately ₹17.6592 as of Apr 23, 2025.

What are the returns of this mutual fund scheme?

The Bandhan Credit Risk Fund is a 8 yrs 2 m old fund and has delivered average annual returns of 7.23% since inception.

Bandhan Credit Risk Fund Returns

1-Year	3-Year	5-Year	Since Inception
9.57%	7.37%	6.94%	7.23%

How much does this mutual fund charge as expense ratio?

The Bandhan Credit Risk Fund - Direct Growth has an expense ratio of 0.68%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

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 ₹286 Crs crore as of Mar 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	23.67%
Aditya Birla Real Estate Ltd.	14.01%
Tata Projects Ltd.	10.53%

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	54.32%
SOV	23.67%
AA+	12.35%

What is risk level of Bandhan Credit Risk Fund?

This is a Credit Risk fund comes with Moderately High 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?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. It is just a matter of a few minutes. Here's how:

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 and choose the investment mode (Lump sum investment or a SIP). Then, enter your investment amount.
Fill in additional required details, including the bank account you'll use for payment, and confirm.

All set! Your investment in Bandhan Credit Risk Fund is complete.

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

Redeeming your investments in Bandhan Credit Risk Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

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

ET Money rank

in Credit Risk

#NA

Return Outperformance: This fund has generated highest return amongst Credit Risk funds in the last 1 Year.
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.