Should I invest in BANDHAN Credit Risk Fund-Annual IDCW?

We don't give personal investment advice. BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 7.3%. 5-year CAGR: 0.05%.

Bandhan

BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW

Latest NAV

₹10.3422

As of

3 Jun 2026

2,244 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.04%	+13.44%	-13.40	30 / 44	Q3
1W	+0.23%	+26.93%	-26.70	30 / 51	Q3
2W	+0.32%	+44.08%	-43.76	30 / 45	Q3
1M	+0.20%	+44.33%	-44.13	34 / 45	Q4
3M	-5.08%	+45.80%	-50.88	43 / 45	Q4
6M	-4.02%	+47.80%	-51.81	42 / 45	Q4
YTD	-4.34%	+45.06%	-49.40	43 / 45	Q4
1Y	-1.70%	+37.65%	-39.35	40 / 50	Q4
2Y	-0.09%	+0.08%	-0.18	42 / 49	Q4
3Y	+0.02%	+4.19%	-4.18	32 / 37	Q4
4Y	+0.62%	+4.28%	-3.66	29 / 33	Q4
5Y	+0.05%	+4.97%	-4.93	30 / 33	Q4
7Y	+0.06%	+3.15%	-3.09	31 / 33	Q4
10Y	—	—	—	—	—
Inception	+0.36%	-10.07%	+10.43	41 / 54	Q4

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-4.34%	+1.31%	-5.65	31 / 32
2025	-0.34%	+5.69%	-6.04	32 / 32
2024	+1.37%	+4.08%	-2.71	16 / 32
2023	+2.08%	+1.03%	+1.06	18 / 33
2022	-1.32%	+58.89%	-60.21	37 / 39
2021	-2.91%	-8.73%	+5.82	31 / 44
2020	+0.57%	-3.99%	+4.57	18 / 39
2019	+2.92%	-0.88%	+3.80	10 / 35
2018	-0.90%	+0.62%	-1.51	25 / 34
2017	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+0.30%

101 windows

min -2.9% · max 7.7%

56% positive

3-Year rolling

+0.23%

77 windows

min -1.6% · max 3.6%

69% positive

5-Year rolling

+0.06%

52 windows

min -0.6% · max 1.2%

63% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+0.30%

28 windows

min 0.1% · max 1.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

6.21%

3-year · annualised

Sharpe ratio

-1.01

vs risk-free 6.5%

Sortino ratio

-1.07

Downside-only deviation

Max drawdown

-7.31%

Mar 2025 → Mar 2026

% positive months

88.9%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Credit Risk Fund

Scheme	Fund house	NAV	As of
HDFC Credit Risk Debt Fund - IDCW Option - Direct Plan	HDFC	₹24.1395	3 Jun 2026
NIPPON INDIA CREDIT RISK FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Credit Risk Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.6214	3 Jun 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹11.9696	3 Jun 2026
Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,310.3743	3 Jun 2026
BANDHAN Credit Risk Fund-Direct Plan-Periodic IDCW	Bandhan	₹13.7836	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Direct - IDCW	Aditya Birla Sun Life	₹14.2712	3 Jun 2026
Franklin India Credit Risk Fund-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct IDCW	Franklin India	₹0.0000	3 Jun 2026
Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹26.4973	3 Jun 2026
DSP Credit Risk Fund - Direct Plan - IDCW - Monthly	DSP	₹11.2097	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.3422
2 Jun 2026	₹10.3425
1 Jun 2026	₹10.3387
31 May 2026	₹10.3378
29 May 2026	₹10.3340
27 May 2026	₹10.3232
26 May 2026	₹10.3184
25 May 2026	₹10.3155
22 May 2026	₹10.3004
21 May 2026	₹10.2958

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW is ₹10.3422. It's a Credit Risk Fund from Bandhan, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW has NAV history starting from 06 Mar 2017, a track record of about 9 years 2 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW is managed by Bandhan. It's classified by AMFI under the 'Credit Risk Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW has delivered a absolute return of -1.70% — -39.35 pp behind the Credit Risk Fund category average of 37.65%. The fund ranks #40 of 50 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW has delivered a CAGR of 0.02% — -4.18 pp behind the Credit Risk Fund category average of 4.19%. The fund ranks #32 of 37 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW has delivered a CAGR of 0.05% — -4.93 pp behind the Credit Risk Fund category average of 4.97%. The fund ranks #30 of 33 in its category — the bottom (Q4) quartile.

₹1 lakh invested in BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW exactly 5 years ago would be worth approximately ₹100,229 today — a multiplier of 1.00×, based on the 5-year CAGR of 0.05%. The category average over the same window would have grown ₹1 lakh to ₹127,473.

A ₹10,000 monthly SIP in BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹590,836 today. That's an XIRR (money-weighted annualised return) of -0.60%.

BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹825,022 — XIRR -0.51%.

On a 5-year basis, BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW ranks #30 out of 33 funds in the Credit Risk Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 4.97%; this fund delivered 0.05%.

The worst peak-to-trough decline BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW has experienced over the last 5-year window is 7.31% — its NAV fell from a high on 24 Mar 2025 to a low on 25 Mar 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW averaged 0.06% (best 1.23%, worst -0.58%). 63% of rolling windows ended positive. The 5-year Sharpe ratio is -1.12 — negative risk-adjusted performance.

In calendar year 2025, BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW returned -0.34% — lagging the Credit Risk Fund category average of 5.69% by 6.04 pp. It ranked #32 of 32 in its category that year.

BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 7.3%. 5-year CAGR: 0.05%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.