Should I invest in BANDHAN Credit Risk Fund Growth?

We don't give personal investment advice. BANDHAN Credit Risk Fund - Regular 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: 5.18%.

Bandhan

BANDHAN Credit Risk Fund - Regular Plan Growth

Latest NAV

₹16.9818

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	+0.03%	+0.04%	-0.01	7 / 8	Q4
1W	+0.21%	+20.96%	-20.75	7 / 9	Q4
2W	+0.29%	+36.31%	-36.02	7 / 8	Q4
1M	+0.12%	+36.44%	-36.32	7 / 8	Q4
3M	+0.53%	+38.01%	-37.48	8 / 8	Q4
6M	+1.41%	+40.85%	-39.44	8 / 8	Q4
YTD	+1.15%	+38.38%	-37.23	8 / 8	Q4
1Y	+3.34%	+30.24%	-26.89	8 / 9	Q4
2Y	+5.78%	-0.66%	+6.43	8 / 9	Q4
3Y	+5.90%	+8.30%	-2.40	7 / 7	Q4
4Y	+5.96%	+7.83%	-1.86	6 / 6	Q4
5Y	+5.18%	+7.66%	-2.48	6 / 6	Q4
7Y	+5.71%	+6.07%	-0.36	5 / 6	Q4
10Y	—	—	—	—	—
Inception	+5.89%	-11.82%	+17.71	7 / 10	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
2026 YTD	+1.15%	+2.47%	-1.31	7 / 7
2025	+6.26%	+10.49%	-4.24	7 / 7
2024	+7.31%	+8.22%	-0.91	5 / 7
2023	+5.77%	+7.37%	-1.59	7 / 7
2022	+3.05%	+44.94%	-41.89	6 / 7
2021	+3.93%	-7.03%	+10.95	5 / 8
2020	+7.37%	-1.71%	+9.08	4 / 7
2019	+9.15%	+1.40%	+7.74	1 / 6
2018	+4.91%	+5.40%	-0.50	5 / 6
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

+5.93%

101 windows

min 2.0% · max 10.2%

100% positive

3-Year rolling

+5.88%

77 windows

min 4.3% · max 7.5%

100% positive

5-Year rolling

+5.65%

52 windows

min 5.2% · max 6.2%

100% positive

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

7-Year rolling

+5.98%

28 windows

min 5.7% · max 6.4%

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

-0.70

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.49%

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
Invesco India Credit Risk Fund - Regular Plan - Growth	Invesco	₹2,038.4448	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Regular Plan - Growth	Aditya Birla Sun Life	₹24.7007	3 Jun 2026
HSBC Credit Risk Fund - Regular Growth	HSBC	₹33.7773	3 Jun 2026
Baroda BNP Paribas Credit Risk fund -Regular-Growth -Seg. Portfolio 2 (erstwhile BBNPP Medium Duration Fund Regular Growth Seg. Portfolio 1)	Baroda BNP Paribas	₹0.0000	3 Jun 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Growth Option	UTI	₹0.0000	3 Jun 2026
Axis Credit Risk Fund - Regular Plan - Growth	Axis	₹22.7579	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹16.9818
2 Jun 2026	₹16.9829
1 Jun 2026	₹16.9770
31 May 2026	₹16.9761
29 May 2026	₹16.9707
27 May 2026	₹16.9539
26 May 2026	₹16.9465
25 May 2026	₹16.9422
22 May 2026	₹16.9187
21 May 2026	₹16.9117

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 - Regular Plan Growth is ₹16.9818. It's a Credit Risk Fund from Bandhan, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

BANDHAN Credit Risk Fund - Regular 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 - Regular 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 - Regular Plan Growth has delivered a absolute return of 3.34% — -26.89 pp behind the Credit Risk Fund category average of 30.24%. The fund ranks #8 of 9 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, BANDHAN Credit Risk Fund - Regular Plan Growth has delivered a CAGR of 5.90% — -2.4 pp behind the Credit Risk Fund category average of 8.30%. The fund ranks #7 of 7 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, BANDHAN Credit Risk Fund - Regular Plan Growth has delivered a CAGR of 5.18% — -2.48 pp behind the Credit Risk Fund category average of 7.66%. The fund ranks #6 of 6 in its category — the bottom (Q4) quartile.

₹1 lakh invested in BANDHAN Credit Risk Fund - Regular Plan Growth exactly 5 years ago would be worth approximately ₹128,723 today — a multiplier of 1.29×, based on the 5-year CAGR of 5.18%. The category average over the same window would have grown ₹1 lakh to ₹144,605.

A ₹10,000 monthly SIP in BANDHAN Credit Risk Fund - Regular Plan Growth over the last 5 years — total invested ₹600,000 — would be worth ₹690,637 today. That's an XIRR (money-weighted annualised return) of 5.56%.

BANDHAN Credit Risk Fund - Regular 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 ₹1,020,681 — XIRR 5.48%.

On a 5-year basis, BANDHAN Credit Risk Fund - Regular Plan Growth ranks #6 out of 6 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 7.66%; this fund delivered 5.18%.

The worst peak-to-trough decline BANDHAN Credit Risk Fund - Regular Plan Growth has experienced over the last 5-year window is 1.14% — 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 - Regular Plan Growth averaged 5.65% (best 6.18%, worst 5.18%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.20 — negative risk-adjusted performance.

In calendar year 2025, BANDHAN Credit Risk Fund - Regular Plan Growth returned 6.25% — lagging the Credit Risk Fund category average of 10.49% by 4.24 pp. It ranked #7 of 7 in its category that year.

BANDHAN Credit Risk Fund - Regular 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 - Regular 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: 5.18%.

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

BANDHAN Credit Risk Fund - Regular 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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