Baroda BNP Paribas Credit Risk Fund Direct-Growth

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

The Baroda BNP Paribas Credit Risk Fund Direct-Growth is a 11 yrs old fund and has delivered average annual returns of 8.79% since inception. Baroda BNP Paribas Credit Risk Fund Direct-Growth Returns 1-Year 3-Year 5-Year 10-Year Since Inception 8.19% 8.58% 10.13% 8.57% 8.79%

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹25.4225+0.04% 1 day change	8.79% p.a.	App exclusive #NA View Ranked Funds	₹185 Cr

Historical NAV & returns

NAV: ₹25.4225 as on Feb 02, 2026

This fund Category average

Baroda BNP Paribas Credit Risk Fund overview

Expense ratio	0.85% as on Feb 02, 2026
Exit load	1.0% Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 1 year.!
AUM (Fund size)	₹185 Cr
Lock-in Period	Nil
Age	11 yrs since Jan 08, 2015
Benchmark	CRISIL Credit Risk Debt B-II Index
Min. investment	SIP: ₹500 & Lumpsum: ₹5000
Risk	Moderately High
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Baroda BNP Paribas 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	0.25%	0.21%
3 Months	1.19%	1.03%
6 Months	3.1%	2.65%
1 Year	8.19%	7.65%
2 Years	8.63%	8.02%
3 Years	8.58%	7.96%
4 Years	7.88%	7.25%
5 Years	10.13%	6.94%
7 Years	8.16%	7.45%
10 Years	8.57%	7.81%

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 51.34%

SOV 19.23%

AAA 12.15%

Cash & Call Money 5.59%

Top Debt Holdings

GOI 17.12%

Piramal Finance Ltd. 8.43%

Tata Projects Ltd. 8.17%

Vedanta Ltd. 8.13%

Allocation by Instruments

Debenture 53.76%

GOI Securities 17.12%

Non Convertible Debenture 12.99%

Bonds 4.86%

Other Holdings

Others 3.66%

National Highways Infra Trust 1.59%

IndiGrid Infrastructure Trust 0.45%

Indus Infra Trust 0.35%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
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
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
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	3.91 vs. 5.01 Underperformed at beating benchmark
Sharpe	2.83 vs. 4.91 Poor risk-adjusted returns
Beta	0.94 vs. 3.52 Less sensitive to market ups & downs
Standard deviation	0.76 vs. 2.19 More stable returns

About this fund

About Baroda BNP Paribas Credit Risk Fund

Baroda BNP Paribas Credit Risk Fund Direct-Growth is a Credit Risk mutual fund scheme from Baroda Bnp Paribas Mutual Fund. This fund has been in existence for 11 yrs, having been launched on 08/01/2015. Baroda BNP Paribas Credit Risk Fund Direct-Growth has ₹185 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 Baroda BNP Paribas Credit Risk Fund Direct-Growth as of 02/02/2026 is ₹25.42. The fund has an expense ratio of 0.85%, which is close to what most other Credit Risk funds charge.

Baroda BNP Paribas Credit Risk Fund Direct-Growth returns of last 1-year are 8.27%. Since launch, it has delivered 8.82% average annual returns. The fund has doubled the money invested in it every 9 yrs.
Baroda BNP Paribas 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 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, Piramal Finance Ltd., Tata Projects Ltd., Vedanta Ltd., Nuvoco Vistas Corporation Ltd..

...

Fund AUM	185 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

Fund managers

Vikram Pamnani

Mr. Pamnani holds PGDM in Finance. Prior to joining Baroda BNP Paribas Mutual Fund, he worked with Essel Finance AMC Ltd. as Fund Manager, Canara Robeco AMC Ltd. as Fixed Income Dealer & Deutsche Bank as Process Executive.

Gurvinder Singh Wasan

Mr. Wasan is a Chartered Accountant, CFA and Master of Commerce from Mumbai University. Prior to joining Baroda BNP Paribas Mutual Fund, he has worked with JM Mutual, Principal Mutual Fund, Crisil Ltd. and ICICI Bank Ltd.

Investment objective

The Scheme seeks to generate returns by investing in debt and money market instruments across the credit spectrum.

Baroda BNP Paribas Mutual Fund details

No. of schemes	41 view all schemes
Total AUM	53,480 Cr as on Dec 31, 2025
Address	BNP Paribas House, 7th Floor, G-Block, Bandra Kurla Complex, Bandra Mumbai, 400051
Phone	022-33704000

More funds from Baroda BNP Paribas Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
Baroda BNP Paribas Corporate Bond Fund	N.A.	482 Cr	7.36%	7.93%
Baroda BNP Paribas Short Duration Fund	N.A.	284 Cr	7.29%	7.88%
Baroda BNP Paribas NIFTY SDL December 2028 Index Fund	N.A.	29 Cr	7.5%	N.A.
Baroda BNP Paribas Nifty SDL December 2026 Index Fund	N.A.	133 Cr	7.37%	7.58%
Baroda BNP Paribas Low Duration Fund	N.A.	312 Cr	7.29%	7.56%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Baroda BNP Paribas Credit Risk Fund Direct-Growth?

The current Net Asset Value (NAV) of the Baroda BNP Paribas Credit Risk Fund - Direct Growth plan is approximately ₹25.4225 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The Baroda BNP Paribas Credit Risk Fund Direct-Growth is a 11 yrs old fund and has delivered average annual returns of 8.79% since inception.

Baroda BNP Paribas Credit Risk Fund Direct-Growth Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
8.19%	8.58%	10.13%	8.57%	8.79%

How much does this mutual fund charge as expense ratio?

The Baroda BNP Paribas Credit Risk Fund - Direct Growth has an expense ratio of 0.85%, 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 Baroda BNP Paribas Credit Risk Fund currently has assets under management (AUM) or fund size valued at approximately 185 Cr as on Dec 31, 2025.

To whom does Baroda BNP Paribas Credit Risk Fund lend to?

The top 3 debt holdings of Baroda BNP Paribas Credit Risk Fund are as follows

Holding Name	Percentage of Portfolio
GOI	17.12%
Piramal Finance Ltd.	8.43%
Tata Projects Ltd.	8.17%

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 Baroda BNP Paribas Credit Risk Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AA	51.34%
SOV	19.23%
AAA	12.15%

What is risk level of Baroda BNP Paribas 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 Baroda BNP Paribas 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 Baroda BNP Paribas 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 Baroda BNP Paribas Credit Risk Fund is complete.

How can I redeem my investments in Baroda BNP Paribas Credit Risk Fund?

Redeeming your investments in the Baroda BNP Paribas 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

Volatility Protection: This fund is one of the best in protecting against volatility in it's category.
Return Outperformance: This fund has generated highest return amongst Credit Risk funds in the last 10 Years.
Chance: This fund has generated a 7.53% annual return in 70% of times for investors holding for at least 5 years.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 1 year.