Should I invest in BANDHAN CREDIT RISK FUND HALF YEARLY IDCW?

We don't give personal investment advice. BANDHAN CREDIT RISK FUND - DIRECT PLAN HALF YEARLY 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.

Bandhan

BANDHAN CREDIT RISK FUND - DIRECT PLAN HALF YEARLY IDCW

Latest NAV

₹10.4517

As of

25 Aug 2020

840 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	+0.08%	+0.03%	+0.05	2 / 37	Q1
1W	-0.28%	-0.01%	-0.27	37 / 37	Q4
2W	-0.23%	+0.00%	-0.24	36 / 37	Q4
1M	-0.11%	+0.19%	-0.30	29 / 37	Q4
3M	+2.08%	+1.16%	+0.92	15 / 37	Q2
6M	-1.63%	+1.67%	-3.30	34 / 37	Q4
YTD	+0.42%	+1.98%	-1.56	25 / 37	Q3
1Y	-1.41%	+3.50%	-4.91	34 / 37	Q4
2Y	+0.52%	+4.71%	-4.20	31 / 37	Q4
3Y	-0.19%	+4.38%	-4.57	34 / 37	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.28%	+2.99%	-1.72	22 / 37	Q3

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
2020 YTD	+0.42%	-1.76%	+2.18	21 / 34
2019	+0.15%	-0.88%	+1.04	18 / 35
2018	+2.18%	+0.62%	+1.57	9 / 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

+0.55%

31 windows

min -2.0% · max 3.1%

71% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+0.06%

6 windows

min -0.2% · max 0.6%

67% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

5.25%

3-year · annualised

Sharpe ratio

-1.25

vs risk-free 6.5%

Sortino ratio

-1.41

Downside-only deviation

Max drawdown

-6.18%

Mar 2020 → Mar 2020

% positive months

72.2%

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	₹24.5987	17 Jul 2026
NIPPON INDIA CREDIT RISK FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
SBI Credit Risk Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.9714	17 Jul 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹12.0282	17 Jul 2026
Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,352.0932	17 Jul 2026
BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW	Bandhan	₹10.5272	17 Jul 2026
Aditya Birla Sun Life Credit Risk Fund - Direct - IDCW	Aditya Birla Sun Life	₹14.5686	17 Jul 2026
Franklin India Credit Risk Fund-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct IDCW	Franklin India	₹0.0000	17 Jul 2026
Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹27.0252	17 Jul 2026
DSP Credit Risk Fund - Direct Plan - IDCW - Monthly	DSP	₹11.2112	17 Jul 2026

Recent NAVs

Date	NAV
25 Aug 2020	₹10.4517
24 Aug 2020	₹10.4437
21 Aug 2020	₹10.4608
20 Aug 2020	₹10.4851
19 Aug 2020	₹10.4791
18 Aug 2020	₹10.4813
17 Aug 2020	₹10.4858
14 Aug 2020	₹10.4811
13 Aug 2020	₹10.4855
12 Aug 2020	₹10.4774

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 25 Aug 2020, the NAV of BANDHAN CREDIT RISK FUND - DIRECT PLAN HALF YEARLY IDCW is ₹10.4517. 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 HALF YEARLY IDCW 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 HALF YEARLY 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 HALF YEARLY IDCW has delivered a absolute return of -1.41% — -4.91 pp behind the Credit Risk Fund category average of 3.50%. The fund ranks #34 of 37 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, BANDHAN CREDIT RISK FUND - DIRECT PLAN HALF YEARLY IDCW has delivered a CAGR of -0.19% — -4.57 pp behind the Credit Risk Fund category average of 4.38%. The fund ranks #34 of 37 in its category — the bottom (Q4) quartile.

BANDHAN CREDIT RISK FUND - DIRECT PLAN HALF YEARLY IDCW doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in BANDHAN CREDIT RISK FUND - DIRECT PLAN HALF YEARLY IDCW exactly 3 years ago would be worth approximately ₹99,441 today — a multiplier of 0.99×, based on the 3-year CAGR of -0.19%. The category average over the same window would have grown ₹1 lakh to ₹113,729.

A ₹10,000 monthly SIP in BANDHAN CREDIT RISK FUND - DIRECT PLAN HALF YEARLY IDCW over the last 3 years — total invested ₹360,000 — would be worth ₹364,865 today. That's an XIRR (money-weighted annualised return) of 0.87%.

BANDHAN CREDIT RISK FUND - DIRECT PLAN HALF YEARLY IDCW doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹364,865 — XIRR 0.87%.

On a 3-year basis, BANDHAN CREDIT RISK FUND - DIRECT PLAN HALF YEARLY IDCW ranks #34 out of 37 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 4.38%; this fund delivered -0.19%.

The worst peak-to-trough decline BANDHAN CREDIT RISK FUND - DIRECT PLAN HALF YEARLY IDCW has experienced over the last 3-year window is 6.18% — its NAV fell from a high on 06 Mar 2020 to a low on 26 Mar 2020. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, BANDHAN CREDIT RISK FUND - DIRECT PLAN HALF YEARLY IDCW averaged 0.06% (best 0.55%, worst -0.19%). 67% of rolling windows ended positive. The 3-year Sharpe ratio is -1.25 — negative risk-adjusted performance.

In calendar year 2019, BANDHAN CREDIT RISK FUND - DIRECT PLAN HALF YEARLY IDCW returned 0.15% — beating the Credit Risk Fund category average of -0.88% by 1.04 pp. It ranked #18 of 35 in its category that year.

BANDHAN CREDIT RISK FUND - DIRECT PLAN HALF YEARLY 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 HALF YEARLY 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.

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