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: 2.7%. 5-year CAGR: 0.49%.

Bandhan

BANDHAN Credit Risk Fund - Regular Plan Quarterly IDCW

Latest NAV

₹10.5810

As of

17 Jul 2026

2,275 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	0.00%	+0.02%	-0.03	27 / 31	Q4
1W	-0.07%	-0.02%	-0.05	23 / 31	Q3
2W	-0.11%	-0.04%	-0.06	27 / 31	Q4
1M	-0.95%	+0.26%	-1.21	29 / 31	Q4
3M	-0.01%	+1.00%	-1.01	23 / 31	Q3
6M	+0.67%	+1.38%	-0.70	20 / 31	Q3
YTD	+0.43%	+1.54%	-1.11	21 / 31	Q3
1Y	+0.51%	+3.10%	-2.60	19 / 31	Q3
2Y	+0.82%	+5.13%	-4.31	24 / 31	Q4
3Y	+0.75%	+4.78%	-4.03	25 / 31	Q4
4Y	+0.71%	+4.49%	-3.78	23 / 28	Q4
5Y	+0.49%	+5.32%	-4.83	24 / 28	Q4
7Y	+0.38%	+3.49%	-3.11	25 / 28	Q4
10Y	—	—	—	—	—
Inception	+0.60%	+2.75%	-2.14	25 / 31	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	+0.43%	+1.49%	-1.06	20 / 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%	+7.38%	-7.18	19 / 28
2021	-0.31%	+5.79%	-6.10	22 / 28
2020	+0.78%	-2.28%	+3.06	17 / 28
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

+0.49%

103 windows

min -2.7% · max 2.9%

73% positive

3-Year rolling

+0.40%

78 windows

min -0.5% · max 1.5%

88% positive

5-Year rolling

+0.37%

54 windows

min -0.2% · 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

+0.48%

30 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

2.54%

3-year · annualised

Sharpe ratio

-2.26

vs risk-free 6.5%

Sortino ratio

-2.99

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	₹16.2822	17 Jul 2026
Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,071.6654	17 Jul 2026
BANDHAN Credit Risk Fund - Regular Plan Annual IDCW	Bandhan	₹10.4254	17 Jul 2026
Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW	Aditya Birla Sun Life	₹13.1658	17 Jul 2026
Kotak Credit Risk Fund - Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹13.7779	17 Jul 2026
DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend	DSP BlackRock	₹11.1130	17 Jul 2026
DSP Credit Risk Fund - Regular Plan - IDCW - Monthly	DSP	₹11.2701	17 Jul 2026
HSBC Credit Risk Fund - Regular Annual IDCW	HSBC	₹12.4250	17 Jul 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	17 Jul 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Annual Dividend Option	UTI	₹0.0000	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹10.5810
16 Jul 2026	₹10.5814
15 Jul 2026	₹10.5741
14 Jul 2026	₹10.5690
13 Jul 2026	₹10.5904
10 Jul 2026	₹10.5879
9 Jul 2026	₹10.5770
8 Jul 2026	₹10.5724
7 Jul 2026	₹10.5984
6 Jul 2026	₹10.6026

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 17 Jul 2026, the NAV of BANDHAN Credit Risk Fund - Regular Plan Quarterly IDCW is ₹10.5810. 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 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 - 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 0.51% — -2.6 pp behind the Credit Risk Fund category average of 3.10%. The fund ranks #19 of 31 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 0.75% — -4.03 pp behind the Credit Risk Fund category average of 4.78%. 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 0.49% — -4.83 pp behind the Credit Risk Fund category average of 5.32%. 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 ₹102,450 today — a multiplier of 1.02×, based on the 5-year CAGR of 0.49%. The category average over the same window would have grown ₹1 lakh to ₹129,571.

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 ₹608,256 today. That's an XIRR (money-weighted annualised return) of 0.54%.

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 ₹853,737 — XIRR 0.46%.

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 5.32%; this fund delivered 0.49%.

The worst peak-to-trough decline BANDHAN Credit Risk Fund - Regular Plan Quarterly IDCW has experienced over the last 5-year window is 2.66% — its NAV fell from a high on 23 Sep 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 0.37% (best 0.81%, worst -0.16%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is -2.42 — 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: 2.7%. 5-year CAGR: 0.49%.

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