Baroda BNP Paribas Credit Risk Fund

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

The Baroda BNP Paribas Credit Risk Fund is a 10 yrs 9 m old fund and has delivered average annual returns of 7.9% since inception. Baroda BNP Paribas Credit Risk Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 8.25% 7.98% 9.55% 7.68% 7.9%

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹22.7224+0.07% 1 day change	7.9% p.a.	App exclusive #NA View Ranked Funds	₹196 Cr

Historical NAV & returns

NAV: ₹22.7224 as on Oct 20, 2025

This fund Category average

Baroda BNP Paribas Credit Risk Fund overview

AUM (Fund size)	₹196 Cr
Exit load	1.0% Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 1 year.!
Lock-in Period	Nil
Age	10 yrs 9 m since Jan 08, 2015
Benchmark	CRISIL Credit Risk Debt B-II Index
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	1.61% as on Sep 30, 2025
Plan type	Regular
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 Oct 25, 2025

Period	This fund	Category average
1 Month	0.61%	0.71%
3 Months	1.67%	1.62%
6 Months	3.75%	4.52%
1 Year	8.25%	9.61%
2 Years	8.37%	8.92%
3 Years	7.98%	8.31%
4 Years	6.94%	8.92%
5 Years	9.55%	8.99%
7 Years	7.43%	5.89%
10 Years	7.68%	6.31%

Asset allocationas on Sep 30, 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 56.62%

SOV 17.56%

AAA 10.88%

Cash & Call Money 5.6%

Top Debt Holdings

GOI 15.56%

Tata Projects Ltd. 7.75%

Vedanta Ltd. 7.66%

Nuvoco Vistas Corporation Ltd. 7.62%

Allocation by Instruments

Debenture 57.49000000000001%

GOI Securities 15.559999999999999%

Non Convertible Debenture 11.52%

Real Estate Investment Trusts 3.29%

Other Holdings

Brookfield India Real Estate Trust REIT 1.89%

Embassy Office Parks REIT 1.4%

National Highways Infra Trust 0.54%

Indus Infra Trust 0.32%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Baroda BNP Paribas Credit Risk Fund	0.61%	3.75%	8.25%	7.98%	9.55%	7.68%
Bank of India Credit Risk Fund	0.94%	3.06%	6.38%	6.08%	25.92%	1.6%
SBI Credit Risk Fund	0.57%	3.46%	8.37%	8.21%	6.81%	7.3%
Aditya Birla Sun Life Credit Risk Fund	0.92%	4.9%	13.46%	10.8%	9.34%	8.16%
ICICI Prudential Credit Risk Fund	0.87%	4.61%	9.18%	8.42%	7.32%	7.81%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Baroda BNP Paribas Credit Risk Fund	0.72	1.63	1.79	3.78
Bank of India Credit Risk Fund	0.77	0.63	-0.55	-1.74
SBI Credit Risk Fund	1.21	1.85	1.27	3.74
Aditya Birla Sun Life Credit Risk Fund	2.48	1.92	1.57	6.48
ICICI Prudential Credit Risk Fund	0.95	2.11	1.78	4.48

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Baroda BNP Paribas Credit Risk Fund	N.A.	196 Cr	10 yrs 9 m	1.61%
Bank of India Credit Risk Fund	N.A.	106 Cr	10 yrs 8 m	1.52%
SBI Credit Risk Fund	N.A.	2,210 Cr	21 yrs 3 m	1.5%
Aditya Birla Sun Life Credit Risk Fund	N.A.	1,053 Cr	10 yrs 6 m	1.54%
ICICI Prudential Credit Risk Fund	N.A.	5,994 Cr	14 yrs 11 m	1.4%

View all Credit Risk funds

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

Alpha	4.21 vs. 4.98 Underperformed at beating benchmark
Sharpe	1.79 vs. 5.4 Poor risk-adjusted returns
Beta	1.63 vs. 2.66 Less sensitive to market ups & downs
Standard deviation	0.72 vs. 1.99 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 is a Credit Risk mutual fund scheme from Baroda Bnp Paribas Mutual Fund. This fund has been in existence for 10 yrs 9 m, having been launched on 08/01/2015. Baroda BNP Paribas Credit Risk Fund has ₹196 Crores worth of assets under management (AUM) as on 30/09/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Baroda BNP Paribas Credit Risk Fund as of 20/10/2025 is ₹22.72. The fund has an expense ratio of 1.61%, which is higher than what most other Credit Risk funds charge.

Baroda BNP Paribas Credit Risk Fund returns of last 1-year are 8.35%. Since launch, it has delivered 7.94% average annual returns. The fund has doubled the money invested in it every 10 yrs.
Baroda BNP Paribas Credit Risk Fund 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, Tata Projects Ltd., Vedanta Ltd., Nuvoco Vistas Corporation Ltd., Nirma Ltd..

...

Fund AUM	196 Cr as on Sep 30, 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	50,753 Cr as on Sep 30, 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.	434 Cr	8.74%	8.06%
Baroda BNP Paribas Gilt Fund	N.A.	1,313 Cr	6.86%	7.94%
Baroda BNP Paribas Short Duration Fund	N.A.	272 Cr	7.95%	7.59%
Baroda BNP Paribas Ultra Short Duration Fund	N.A.	1,258 Cr	7.2%	7.3%
Baroda BNP Paribas Money Market Fund	N.A.	2,937 Cr	7.5%	7.2%

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 plan is approximately ₹22.7224 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The Baroda BNP Paribas Credit Risk Fund is a 10 yrs 9 m old fund and has delivered average annual returns of 7.9% since inception.

Baroda BNP Paribas Credit Risk Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
8.25%	7.98%	9.55%	7.68%	7.9%

How much does this mutual fund charge as expense ratio?

The Baroda BNP Paribas Credit Risk Fund has an expense ratio of 1.61%, 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 196 Cr as on Sep 30, 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	15.56%
Tata Projects Ltd.	7.75%
Vedanta Ltd.	7.66%

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	56.62%
SOV	17.56%
AAA	10.88%

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 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.
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.