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: 6.21%.

Bandhan

BANDHAN Credit Risk Fund-Direct Plan-Growth

Latest NAV

₹18.6046

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%	+18.47%	-18.44	13 / 16	Q4
1W	+0.23%	+15.49%	-15.25	14 / 19	Q3
2W	+0.32%	+29.32%	-29.00	15 / 17	Q4
1M	+0.20%	+29.50%	-29.29	15 / 17	Q4
3M	+0.79%	+31.41%	-30.62	15 / 17	Q4
6M	+1.93%	+34.09%	-32.16	16 / 17	Q4
YTD	+1.58%	+31.67%	-30.09	16 / 17	Q4
1Y	+4.39%	+32.15%	-27.76	16 / 18	Q4
2Y	+6.84%	+9.01%	-2.17	15 / 17	Q4
3Y	+6.95%	+9.42%	-2.47	14 / 14	Q4
4Y	+7.01%	+8.71%	-1.70	12 / 13	Q4
5Y	+6.21%	+8.37%	-2.17	13 / 13	Q4
7Y	+6.72%	+7.50%	-0.77	11 / 13	Q4
10Y	—	—	—	—	—
Inception	+6.94%	+2.17%	+4.77	15 / 18	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	+1.58%	+2.95%	-1.37	13 / 13
2025	+7.33%	+11.47%	-4.14	13 / 13
2024	+8.39%	+8.95%	-0.56	11 / 13
2023	+6.78%	+1.35%	+5.43	13 / 15
2022	+4.03%	+43.89%	-39.86	12 / 15
2021	+4.95%	-0.51%	+5.46	11 / 16
2020	+8.37%	+2.43%	+5.94	7 / 14
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

+6.98%

101 windows

min 3.0% · max 11.1%

100% positive

3-Year rolling

+6.91%

77 windows

min 5.3% · max 8.5%

100% positive

5-Year rolling

+6.67%

52 windows

min 6.2% · max 7.2%

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%

28 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

1.07%

3-year · annualised

Sharpe ratio

0.23

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.45%

May 2026 → May 2026

% positive months

94.4%

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	₹27.5375	3 Jun 2026
Nippon India Credit Risk Fund - Direct Plan - Growth Plan	Nippon India	₹41.2014	3 Jun 2026
SBI CREDIT RISK FUND - DIRECT PLAN -GROWTH	SBI	₹52.3817	3 Jun 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Growth	ICICI Prudential	₹37.5622	3 Jun 2026
Invesco India Credit Risk Fund - Direct Plan - Growth	Invesco	₹2,293.2545	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹27.2820	3 Jun 2026
Franklin India Credit Risk Fund - Segregated Portfolio 3 (9.50% Yes bank Ltd CO 23Dec21) - Direct Growth Plan	Franklin India	₹0.0000	3 Jun 2026
Kotak Credit Risk Fund - Growth - Direct	Kotak	₹35.2782	3 Jun 2026
DSP Credit Risk Fund - Direct Plan - Growth	DSP	₹59.3955	3 Jun 2026
HSBC Credit Risk Fund - Direct Growth	HSBC	₹36.8522	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹18.6046
2 Jun 2026	₹18.6053
1 Jun 2026	₹18.5983
31 May 2026	₹18.5968
29 May 2026	₹18.5899
27 May 2026	₹18.5704
26 May 2026	₹18.5618
25 May 2026	₹18.5566
22 May 2026	₹18.5293
21 May 2026	₹18.5211

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-Growth is ₹18.6046. 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 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-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 4.39% — -27.76 pp behind the Credit Risk Fund category average of 32.15%. The fund ranks #16 of 18 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 6.95% — -2.47 pp behind the Credit Risk Fund category average of 9.42%. 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 6.21% — -2.17 pp behind the Credit Risk Fund category average of 8.37%. The fund ranks #13 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 ₹135,144 today — a multiplier of 1.35×, based on the 5-year CAGR of 6.21%. The category average over the same window would have grown ₹1 lakh to ₹149,500.

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 ₹709,080 today. That's an XIRR (money-weighted annualised return) of 6.61%.

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 ₹1,059,154 — XIRR 6.52%.

On a 5-year basis, BANDHAN Credit Risk Fund-Direct Plan-Growth ranks #13 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 8.37%; this fund delivered 6.21%.

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 6.67% (best 7.24%, worst 6.21%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.38 — 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: 6.21%.

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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