Baroda BNP Paribas Credit Risk Fund Direct-Growth

Q: What are the returns of Baroda BNP Paribas Credit Risk Fund?

The Baroda BNP Paribas Credit Risk Fund is a 10 yrs 3 m old fund and has delivered average annual returns of 8.91% since inception. Baroda BNP Paribas Credit Risk Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 10.03% 8.21% 10.01% 8.83% 8.91%

NAV as of Apr 23, 2025	Returns since inception	ET Money Rank	VRO Ratings
₹24.0861+0.05% 1 day change	8.91% p.a.	#NA View Ranked Funds	4

Historical NAV & returns

NAV: ₹24.0861 as on Apr 23, 2025

This fund Category average

Baroda BNP Paribas Credit Risk Fund overview

VRO rating	4
Expense ratio	0.79% as on Mar 31, 2025
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)	₹173 Crs
Lock-in	No Lockin
Age	10 yrs 3 m since Jan 08, 2015
Benchmark	CRISIL Credit Risk Debt B-II Index
Min. investment	SIP ₹500 & Lump. ₹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 Apr 24, 2025

Period	This fund	Category average
1 month	1.5%	1.51%
3 months	2.94%	3.38%
6 months	4.8%	5.24%
1 year	10.03%	10.28%
3 years	8.21%	8.2%
5 years	10.01%	10.01%
7 years	8.05%	6.31%
10 years	8.83%	7.19%

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 59.23%

SOV 14.2%

AAA 13.22%

AA- 5.47%

Top Debt Holdings

GOI 11.89%

Nirma Ltd. 8.17%

Nuvoco Vistas Corporation Ltd. 8.06%

Tata Projects Ltd. 7.53%

Allocation by Instruments

Debenture 55.120000000000005%

Non Convertible Debenture 13.86%

GOI Securities 11.89%

Bonds/NCDs 8.940000000000001%

Other Holdings

Brookfield India Real Estate Trust REIT 1.8%

Embassy Office Parks REIT 1.37%

Others 0.35%

Indus Infra Trust 0.34%

Peer comparison

Fund name	ETM Rank	AUM (in Crs.)	Fund age	Expense ratio
Baroda BNP Paribas Credit Risk Fund	N.A.	₹173 Crs	10 yrs 3 m	0.79%
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%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Baroda BNP Paribas Credit Risk Fund	1.5%	4.8%	10.03%	8.21%	10.01%	8.83%
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%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Baroda BNP Paribas Credit Risk Fund	0.93	1.82	1.5	1.5
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

View all Credit Risk funds

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

Alpha	5.17 vs. 5.04 Higher outperformance against benchmark
Sharpe	1.5 vs. 5.28 Poor risk-adjusted returns
Beta	1.82 vs. 1.94 Less sensitive to market ups & downs
Standard deviation	0.93 vs. 1.83 More stable returns

Compare Baroda BNP Paribas Credit Risk Fund in detail with

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 10 yrs 3 m, having been launched on 08/01/2015. Baroda BNP Paribas Credit Risk Fund Direct-Growth has ₹173 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 Baroda BNP Paribas Credit Risk Fund Direct-Growth as of 23/04/2025 is ₹24.09. The fund has an expense ratio of 0.79%, 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 10.03%. Since launch, it has delivered 8.95% 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 higher than 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, Nirma Ltd., Nuvoco Vistas Corporation Ltd., Tata Projects Ltd., Piramal Capital & Housing Finance Ltd..

...

Fund AUM	₹173 Crs as on Mar 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 JM Mutual Fund, he has worked with 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	37 view all schemes
Total AUM	₹45,541 Crs as on Mar 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 (in Crs.)	1Y	3Y
Baroda BNP Paribas Dynamic Bond Fund	N.A.	₹164 Crs	12.46%	8.91%
Baroda BNP Paribas Short Duration Fund	N.A.	₹204 Crs	9.9%	7.6%
Baroda BNP Paribas Corporate Bond Fund	N.A.	₹196 Crs	10.32%	7.42%
Baroda BNP Paribas Low Duration Fund	N.A.	₹274 Crs	8.28%	7.16%
Baroda BNP Paribas Ultra Short Duration Fund	N.A.	₹1,073 Crs	7.8%	7.13%

See all Debt funds from this AMC

Frequently asked questions

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

The current Net Asset Value (NAV) of the Baroda BNP Paribas Credit Risk Fund - Direct Growth plan is approximately ₹24.0861 as of Apr 23, 2025.

What are the returns of this mutual fund scheme?

The Baroda BNP Paribas Credit Risk Fund is a 10 yrs 3 m old fund and has delivered average annual returns of 8.91% since inception.

Baroda BNP Paribas Credit Risk Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
10.03%	8.21%	10.01%	8.83%	8.91%

How much does this mutual fund charge as expense ratio?

The Baroda BNP Paribas Credit Risk Fund - Direct Growth has an expense ratio of 0.79%, 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 Baroda BNP Paribas Credit Risk Fund currently has assets under management (AUM) or fund size valued at approximately ₹173 Crs crore as of Mar 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	11.89%
Nirma Ltd.	8.17%
Nuvoco Vistas Corporation Ltd.	8.06%

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	59.23%
SOV	14.2%
AAA	13.22%

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?

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 Baroda BNP Paribas 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 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 Baroda BNP Paribas 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 Baroda BNP Paribas 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 Consistency: This fund is one of the best in generating consistent return in it's category.
Return Outperformance: This fund has generated highest return amongst Credit Risk funds in the last 10 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.