Should I invest in BANDHAN Credit Risk Fund?

We don't give personal investment advice. BANDHAN Credit Risk Fund-Direct Plan-Growth 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: 1.1%. 5-year CAGR: 6.45%.

Bandhan

BANDHAN Credit Risk Fund-Direct Plan-Growth

Latest NAV

₹18.9380

As of

17 Jul 2026

2,275 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	0.00%	+0.04%	-0.04	13 / 14	Q4
1W	-0.05%	+0.04%	-0.08	13 / 14	Q4
2W	-0.07%	+0.05%	-0.11	13 / 14	Q4
1M	+0.81%	+0.92%	-0.10	10 / 14	Q3
3M	+1.94%	+2.19%	-0.25	10 / 14	Q3
6M	+3.60%	+4.55%	-0.95	13 / 14	Q4
YTD	+3.40%	+4.79%	-1.39	14 / 14	Q4
1Y	+5.72%	+8.02%	-2.30	14 / 14	Q4
2Y	+7.28%	+9.96%	-2.68	13 / 14	Q4
3Y	+7.36%	+9.73%	-2.37	14 / 14	Q4
4Y	+7.25%	+8.90%	-1.64	12 / 13	Q4
5Y	+6.45%	+8.48%	-2.03	12 / 13	Q4
7Y	+6.76%	+7.66%	-0.90	11 / 13	Q4
10Y	—	—	—	—	—
Inception	+7.05%	+8.36%	-1.31	13 / 14	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	+3.40%	+4.78%	-1.38	13 / 13
2025	+7.33%	+11.47%	-4.14	13 / 13
2024	+8.39%	+8.95%	-0.56	11 / 13
2023	+6.78%	+8.59%	-1.81	13 / 14
2022	+4.03%	+4.85%	-0.82	10 / 13
2021	+4.95%	+9.50%	-4.55	11 / 13
2020	+8.37%	+4.10%	+4.27	7 / 13
2019	+10.06%	+4.87%	+5.19	2 / 13
2018	+6.16%	+6.20%	-0.04	10 / 13
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

+6.95%

103 windows

min 2.8% · max 11.1%

100% positive

3-Year rolling

+6.88%

78 windows

min 5.2% · max 8.4%

100% positive

5-Year rolling

+6.68%

54 windows

min 6.2% · max 7.4%

100% positive

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

7-Year rolling

+7.00%

30 windows

min 6.7% · max 7.4%

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

1.23%

3-year · annualised

Sharpe ratio

0.49

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.45%

May 2026 → May 2026

% positive months

91.7%

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 - Growth Option - Direct Plan	HDFC	₹28.0614	17 Jul 2026
Nippon India Credit Risk Fund - Direct Plan - Growth Plan	Nippon India	₹41.8973	17 Jul 2026
SBI CREDIT RISK FUND - DIRECT PLAN -GROWTH	SBI	₹53.4845	17 Jul 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Growth	ICICI Prudential	₹38.3011	17 Jul 2026
Invesco India Credit Risk Fund - Direct Plan - Growth	Invesco	₹2,334.6655	17 Jul 2026
Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹27.8505	17 Jul 2026
Franklin India Credit Risk Fund - Segregated Portfolio 3 (9.50% Yes bank Ltd CO 23Dec21) - Direct Growth Plan	Franklin India	₹0.0000	17 Jul 2026
Kotak Credit Risk Fund - Growth - Direct	Kotak	₹35.9811	17 Jul 2026
DSP Credit Risk Fund - Direct Plan - Growth	DSP	₹60.3545	17 Jul 2026
HSBC Credit Risk Fund - Direct Growth	HSBC	₹37.4131	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹18.9380
16 Jul 2026	₹18.9381
15 Jul 2026	₹18.9245
14 Jul 2026	₹18.9149
13 Jul 2026	₹18.9528
10 Jul 2026	₹18.9468
9 Jul 2026	₹18.9267
8 Jul 2026	₹18.9179
7 Jul 2026	₹18.9638
6 Jul 2026	₹18.9708

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 17 Jul 2026, the NAV of BANDHAN Credit Risk Fund-Direct Plan-Growth is ₹18.9380. It's a Credit Risk Fund from Bandhan, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

BANDHAN Credit Risk Fund-Direct Plan-Growth has NAV history starting from 06 Mar 2017, a track record of about 9 years 4 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-Growth 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-Growth has delivered a absolute return of 5.72% — -2.3 pp behind the Credit Risk Fund category average of 8.02%. The fund ranks #14 of 14 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, BANDHAN Credit Risk Fund-Direct Plan-Growth has delivered a CAGR of 7.36% — -2.37 pp behind the Credit Risk Fund category average of 9.73%. The fund ranks #14 of 14 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, BANDHAN Credit Risk Fund-Direct Plan-Growth has delivered a CAGR of 6.45% — -2.03 pp behind the Credit Risk Fund category average of 8.48%. The fund ranks #12 of 13 in its category — the bottom (Q4) quartile.

₹1 lakh invested in BANDHAN Credit Risk Fund-Direct Plan-Growth exactly 5 years ago would be worth approximately ₹136,696 today — a multiplier of 1.37×, based on the 5-year CAGR of 6.45%. The category average over the same window would have grown ₹1 lakh to ₹150,257.

A ₹10,000 monthly SIP in BANDHAN Credit Risk Fund-Direct Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹716,361 today. That's an XIRR (money-weighted annualised return) of 7.02%.

BANDHAN Credit Risk Fund-Direct Plan-Growth doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,069,460 — XIRR 6.79%.

On a 5-year basis, BANDHAN Credit Risk Fund-Direct Plan-Growth ranks #12 out of 13 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 8.48%; this fund delivered 6.45%.

The worst peak-to-trough decline BANDHAN Credit Risk Fund-Direct Plan-Growth has experienced over the last 5-year window is 1.07% — its NAV fell from a high on 07 Apr 2022 to a low on 06 May 2022. 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-Growth averaged 6.68% (best 7.36%, worst 6.20%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.16 — negative risk-adjusted performance.

In calendar year 2025, BANDHAN Credit Risk Fund-Direct Plan-Growth returned 7.33% — lagging the Credit Risk Fund category average of 11.47% by 4.14 pp. It ranked #13 of 13 in its category that year.

BANDHAN Credit Risk Fund-Direct Plan-Growth 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-Growth 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: 1.1%. 5-year CAGR: 6.45%.

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

BANDHAN Credit Risk Fund-Direct Plan-Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Credit Risk Fund

Recent NAVs

Frequently asked questions

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