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

We don't give personal investment advice. BANDHAN Credit Risk Fund-Direct Plan-Periodic 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. 5-year CAGR: 6.09%.

Bandhan

BANDHAN Credit Risk Fund-Direct Plan-Periodic IDCW

Latest NAV

₹13.7836

As of

3 Jun 2026

1,887 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	+0.05%	+13.44%	-13.39	13 / 44	Q2
1W	+0.30%	+26.93%	-26.63	16 / 51	Q2
2W	+0.46%	+44.08%	-43.62	21 / 45	Q2
1M	+0.38%	+44.33%	-43.95	22 / 45	Q2
3M	+0.99%	+45.80%	-44.81	23 / 45	Q3
6M	+2.17%	+47.80%	-45.63	23 / 45	Q3
YTD	+1.81%	+45.06%	-43.25	22 / 45	Q2
1Y	+5.62%	+37.65%	-32.03	22 / 50	Q2
2Y	+7.48%	+0.08%	+7.39	21 / 49	Q2
3Y	+7.39%	+4.19%	+3.20	14 / 37	Q2
4Y	—	—	—	—	—
5Y	+6.09%	+4.97%	+1.12	14 / 33	Q2
7Y	+2.25%	+3.15%	-0.91	15 / 33	Q2
10Y	—	—	—	—	—
Inception	+3.53%	-10.07%	+13.60	17 / 54	Q2

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	+1.81%	+1.31%	+0.50	14 / 32
2025	+8.33%	+5.69%	+2.64	12 / 32
2024	+8.43%	+4.08%	+4.35	11 / 32
2023	—	—	—	—
2022	—	—	—	—
2021	—	—	—	—
2020	-12.75%	-3.99%	-8.76	29 / 39
2019	+10.07%	-0.88%	+10.95	1 / 35
2018	+6.16%	+0.62%	+5.54	5 / 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

+3.55%

72 windows

min -14.6% · max 11.1%

76% positive

3-Year rolling

+1.88%

43 windows

min -4.3% · max 8.4%

74% positive

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

5-Year rolling

+2.04%

40 windows

min -0.3% · max 6.2%

95% positive

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

7-Year rolling

+2.39%

28 windows

min 2.1% · max 2.8%

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

1.29%

3-year · annualised

Sharpe ratio

0.51

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.85%

Jan 2025 → Jan 2025

% 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 - 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-Annual IDCW	Bandhan	₹10.3422	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	₹13.7836
2 Jun 2026	₹13.7836
1 Jun 2026	₹13.7761
31 May 2026	₹13.7724
29 May 2026	₹13.7649
27 May 2026	₹13.7500
26 May 2026	₹13.7425
25 May 2026	₹13.7388
22 May 2026	₹13.7127
21 May 2026	₹13.7052

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-Periodic IDCW is ₹13.7836. 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-Periodic 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-Periodic 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-Periodic IDCW has delivered a absolute return of 5.62% — -32.03 pp behind the Credit Risk Fund category average of 37.65%. The fund ranks #22 of 50 in its category — the second (Q2) quartile.

Over the trailing 3-year window, BANDHAN Credit Risk Fund-Direct Plan-Periodic IDCW has delivered a CAGR of 7.39% — +3.2 pp ahead of the Credit Risk Fund category average of 4.19%. The fund ranks #14 of 37 in its category — the second (Q2) quartile.

Over the trailing 5-year window, BANDHAN Credit Risk Fund-Direct Plan-Periodic IDCW has delivered a CAGR of 6.09% — +1.12 pp ahead of the Credit Risk Fund category average of 4.97%. The fund ranks #14 of 33 in its category — the second (Q2) quartile.

₹1 lakh invested in BANDHAN Credit Risk Fund-Direct Plan-Periodic IDCW exactly 5 years ago would be worth approximately ₹134,411 today — a multiplier of 1.34×, based on the 5-year CAGR of 6.09%. 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-Periodic IDCW over the last 3 years — total invested ₹360,000 — would be worth ₹401,775 today. That's an XIRR (money-weighted annualised return) of 7.25%.

BANDHAN Credit Risk Fund-Direct Plan-Periodic IDCW doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹401,775 — XIRR 7.25%.

On a 5-year basis, BANDHAN Credit Risk Fund-Direct Plan-Periodic IDCW ranks #14 out of 33 funds in the Credit Risk Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 4.97%; this fund delivered 6.09%.

The worst peak-to-trough decline BANDHAN Credit Risk Fund-Direct Plan-Periodic IDCW has experienced over the last 3-year window is 0.85% — its NAV fell from a high on 22 Jan 2025 to a low on 23 Jan 2025. 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-Periodic IDCW averaged 2.04% (best 6.16%, worst -0.32%). 95% of rolling windows ended positive. The 3-year Sharpe ratio is 0.51 — reasonable risk-adjusted performance.

In calendar year 2025, BANDHAN Credit Risk Fund-Direct Plan-Periodic IDCW returned 8.33% — beating the Credit Risk Fund category average of 5.69% by 2.64 pp. It ranked #12 of 32 in its category that year.

BANDHAN Credit Risk Fund-Direct Plan-Periodic 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-Periodic 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. 5-year CAGR: 6.09%.

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