Should I invest in BANDHAN Credit Risk Fund Quarterly IDCW?

We don't give personal investment advice. BANDHAN Credit Risk Fund - Regular Plan Quarterly 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. Worst 5-year drawdown: 3.0%. 5-year CAGR: 0.21%.

Bandhan

BANDHAN Credit Risk Fund - Regular Plan Quarterly IDCW

Latest NAV

₹10.5840

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%	+0.04%	0.00	25 / 36	Q3
1W	+0.21%	+23.03%	-22.82	24 / 41	Q3
2W	+0.29%	+40.35%	-40.06	24 / 36	Q3
1M	+0.12%	+40.52%	-40.40	25 / 36	Q3
3M	-0.15%	+41.87%	-42.02	29 / 36	Q4
6M	-0.23%	+43.31%	-43.54	28 / 36	Q4
YTD	+0.47%	+40.80%	-40.33	23 / 36	Q3
1Y	-1.15%	+29.96%	-31.11	29 / 41	Q3
2Y	+0.47%	-4.68%	+5.15	29 / 41	Q3
3Y	+0.41%	+4.58%	-4.17	25 / 31	Q4
4Y	+0.90%	+4.37%	-3.47	21 / 28	Q3
5Y	+0.21%	+5.19%	-4.97	24 / 28	Q4
7Y	+0.29%	+3.07%	-2.77	26 / 28	Q4
10Y	—	—	—	—	—
Inception	+0.62%	-16.47%	+17.08	29 / 46	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	+0.47%	+0.57%	-0.10	17 / 30
2025	+1.20%	+6.54%	-5.34	23 / 30
2024	+0.75%	+3.89%	-3.14	18 / 30
2023	+0.26%	+4.30%	-4.03	23 / 31
2022	+0.20%	+50.17%	-49.97	24 / 33
2021	-0.31%	-10.96%	+10.66	22 / 38
2020	+0.78%	-4.85%	+5.62	17 / 33
2019	+0.59%	-1.86%	+2.45	12 / 28
2018	+0.73%	-0.45%	+1.18	9 / 28
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

+0.50%

101 windows

min -2.4% · max 2.9%

76% positive

3-Year rolling

+0.42%

77 windows

min -0.5% · max 1.6%

81% positive

5-Year rolling

+0.35%

52 windows

min -0.1% · max 0.8%

98% positive

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

7-Year rolling

+0.45%

28 windows

min 0.3% · max 0.8%

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

2.49%

3-year · annualised

Sharpe ratio

-2.43

vs risk-free 6.5%

Sortino ratio

-3.07

Downside-only deviation

Max drawdown

-2.13%

Jun 2025 → Jun 2025

% positive months

63.9%

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
SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹15.9589	3 Jun 2026
Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,037.8107	3 Jun 2026
BANDHAN Credit Risk Fund - Regular Plan Annual IDCW	Bandhan	₹10.2544	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW	Aditya Birla Sun Life	₹12.9096	3 Jun 2026
Kotak Credit Risk Fund - Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹13.5239	3 Jun 2026
DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend	DSP BlackRock	₹11.1227	3 Jun 2026
DSP Credit Risk Fund - Regular Plan - IDCW - Monthly	DSP	₹11.2656	3 Jun 2026
HSBC Credit Risk Fund - Regular Annual IDCW	HSBC	₹12.2488	3 Jun 2026
Baroda BNP Paribas Credit Risk fund - Regular-Quarterly- IDCW option -Seg. Portfolio 2 (erstwhile BBNPP Medium Duration Fund Regular-Quarterly IDCW option Seg. Portfolio 1)	Baroda BNP Paribas	₹0.0000	3 Jun 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Annual Dividend Option	UTI	₹0.0000	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.5840
2 Jun 2026	₹10.5847
1 Jun 2026	₹10.5810
31 May 2026	₹10.5805
29 May 2026	₹10.5771
27 May 2026	₹10.5666
26 May 2026	₹10.5620
25 May 2026	₹10.5593
22 May 2026	₹10.5447
21 May 2026	₹10.5403

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 Quarterly IDCW is ₹10.5840. It's a Credit Risk Fund from Bandhan, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

BANDHAN Credit Risk Fund - Regular Plan Quarterly 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 - Regular Plan Quarterly 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 - Regular Plan Quarterly IDCW has delivered a absolute return of -1.15% — -31.11 pp behind the Credit Risk Fund category average of 29.96%. The fund ranks #29 of 41 in its category — the third (Q3) quartile.

Over the trailing 3-year window, BANDHAN Credit Risk Fund - Regular Plan Quarterly IDCW has delivered a CAGR of 0.41% — -4.17 pp behind the Credit Risk Fund category average of 4.58%. The fund ranks #25 of 31 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, BANDHAN Credit Risk Fund - Regular Plan Quarterly IDCW has delivered a CAGR of 0.21% — -4.97 pp behind the Credit Risk Fund category average of 5.19%. The fund ranks #24 of 28 in its category — the bottom (Q4) quartile.

₹1 lakh invested in BANDHAN Credit Risk Fund - Regular Plan Quarterly IDCW exactly 5 years ago would be worth approximately ₹101,072 today — a multiplier of 1.01×, based on the 5-year CAGR of 0.21%. The category average over the same window would have grown ₹1 lakh to ₹128,771.

A ₹10,000 monthly SIP in BANDHAN Credit Risk Fund - Regular Plan Quarterly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹609,903 today. That's an XIRR (money-weighted annualised return) of 0.64%.

BANDHAN Credit Risk Fund - Regular Plan Quarterly IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹856,123 — XIRR 0.54%.

On a 5-year basis, BANDHAN Credit Risk Fund - Regular Plan Quarterly IDCW ranks #24 out of 28 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 5.19%; this fund delivered 0.21%.

The worst peak-to-trough decline BANDHAN Credit Risk Fund - Regular Plan Quarterly IDCW has experienced over the last 5-year window is 3.04% — its NAV fell from a high on 14 Jun 2021 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 Quarterly IDCW averaged 0.35% (best 0.82%, worst -0.14%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is -2.51 — negative risk-adjusted performance.

In calendar year 2025, BANDHAN Credit Risk Fund - Regular Plan Quarterly IDCW returned 1.20% — lagging the Credit Risk Fund category average of 6.54% by 5.34 pp. It ranked #23 of 30 in its category that year.

BANDHAN Credit Risk Fund - Regular Plan Quarterly 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 - Regular Plan Quarterly 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. Worst 5-year drawdown: 3.0%. 5-year CAGR: 0.21%.

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