Should I invest in Baroda BNP Paribas Credit Risk Fund -Direct?

We don't give personal investment advice. Baroda BNP Paribas Credit Risk Fund -Direct-Growth Option 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: 0.8%. 5-year CAGR: 9.31%.

Baroda BNP Paribas

Baroda BNP Paribas Credit Risk Fund -Direct-Growth Option

Latest NAV

₹26.2662

As of

17 Jul 2026

2,773 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%	-0.02	11 / 14	Q4
1W	-0.01%	+0.04%	-0.04	10 / 14	Q3
2W	-0.01%	+0.05%	-0.06	9 / 14	Q3
1M	+0.51%	+0.92%	-0.40	14 / 14	Q4
3M	+1.72%	+2.19%	-0.47	14 / 14	Q4
6M	+3.64%	+4.55%	-0.92	11 / 14	Q4
YTD	+3.52%	+4.79%	-1.27	13 / 14	Q4
1Y	+6.89%	+8.02%	-1.12	11 / 14	Q4
2Y	+8.42%	+9.96%	-1.54	10 / 14	Q3
3Y	+8.34%	+9.73%	-1.39	11 / 14	Q4
4Y	+8.32%	+8.90%	-0.58	8 / 13	Q3
5Y	+9.31%	+8.48%	+0.82	4 / 13	Q2
7Y	+8.45%	+7.66%	+0.80	4 / 13	Q2
10Y	+8.32%	+7.63%	+0.69	4 / 12	Q2
Inception	+8.74%	+8.36%	+0.38	5 / 14	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	+3.52%	+4.78%	-1.26	12 / 13
2025	+8.97%	+11.47%	-2.50	9 / 13
2024	+8.99%	+8.95%	+0.04	4 / 13
2023	+8.16%	+8.59%	-0.43	5 / 14
2022	+5.43%	+4.85%	+0.58	4 / 13
2021	+20.03%	+9.50%	+10.53	2 / 13
2020	+3.10%	+4.10%	-1.00	10 / 13
2019	+3.00%	+4.87%	-1.86	10 / 13
2018	+6.84%	+6.20%	+0.64	8 / 13
2017	+9.58%	+8.01%	+1.57	1 / 12
2016	+12.57%	+11.27%	+1.30	1 / 12

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

+8.76%

128 windows

min -4.9% · max 21.6%

96% positive

3-Year rolling

+8.34%

104 windows

min 2.9% · max 12.8%

100% positive

5-Year rolling

+8.29%

79 windows

min 6.4% · max 11.3%

100% positive

7-Year rolling

+8.24%

55 windows

min 7.7% · max 9.3%

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

0.89%

3-year · annualised

Sharpe ratio

1.73

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.28%

May 2026 → May 2026

% positive months

100.0%

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 - Growth Option - Direct Plan	HDFC	₹28.0614	17 Jul 2026
Nippon India Credit Risk Fund - Direct Plan - Growth Plan	Nippon India	₹41.8973	17 Jul 2026
SBI CREDIT RISK FUND - DIRECT PLAN -GROWTH	SBI	₹53.4845	17 Jul 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Growth	ICICI Prudential	₹38.3011	17 Jul 2026
Invesco India Credit Risk Fund - Direct Plan - Growth	Invesco	₹2,334.6655	17 Jul 2026
BANDHAN Credit Risk Fund-Direct Plan-Growth	Bandhan	₹18.9380	17 Jul 2026
Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹27.8505	17 Jul 2026
Franklin India Credit Risk Fund - Segregated Portfolio 3 (9.50% Yes bank Ltd CO 23Dec21) - Direct Growth Plan	Franklin India	₹0.0000	17 Jul 2026
Kotak Credit Risk Fund - Growth - Direct	Kotak	₹35.9811	17 Jul 2026
DSP Credit Risk Fund - Direct Plan - Growth	DSP	₹60.3545	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹26.2662
16 Jul 2026	₹26.2589
15 Jul 2026	₹26.2396
14 Jul 2026	₹26.2319
13 Jul 2026	₹26.2681
10 Jul 2026	₹26.2682
9 Jul 2026	₹26.2576
8 Jul 2026	₹26.2376
7 Jul 2026	₹26.2767
6 Jul 2026	₹26.2853

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 Baroda BNP Paribas Credit Risk Fund -Direct-Growth Option is ₹26.2662. It's a Credit Risk Fund from Baroda BNP Paribas, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Baroda BNP Paribas Credit Risk Fund -Direct-Growth Option has NAV history starting from 27 Jan 2015, a track record of about 11 years 5 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.

Baroda BNP Paribas Credit Risk Fund -Direct-Growth Option is managed by Baroda BNP Paribas. 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, Baroda BNP Paribas Credit Risk Fund -Direct-Growth Option has delivered a absolute return of 6.89% — -1.12 pp behind the Credit Risk Fund category average of 8.02%. The fund ranks #11 of 14 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Baroda BNP Paribas Credit Risk Fund -Direct-Growth Option has delivered a CAGR of 8.34% — -1.39 pp behind the Credit Risk Fund category average of 9.73%. The fund ranks #11 of 14 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Baroda BNP Paribas Credit Risk Fund -Direct-Growth Option has delivered a CAGR of 9.31% — +0.82 pp ahead of the Credit Risk Fund category average of 8.48%. The fund ranks #4 of 13 in its category — the second (Q2) quartile.

₹1 lakh invested in Baroda BNP Paribas Credit Risk Fund -Direct-Growth Option exactly 10 years ago would be worth approximately ₹222,388 today — a multiplier of 2.22×, based on the 10-year CAGR of 8.32%. The category average over the same window would have grown ₹1 lakh to ₹208,632.

A ₹10,000 monthly SIP in Baroda BNP Paribas Credit Risk Fund -Direct-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹738,803 today. That's an XIRR (money-weighted annualised return) of 8.25%.

A ₹10,000 monthly SIP for 10 years in Baroda BNP Paribas Credit Risk Fund -Direct-Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,849,426 (multiplier 1.54×). XIRR: 8.38%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Baroda BNP Paribas Credit Risk Fund -Direct-Growth Option ranks #4 out of 13 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 8.48%; this fund delivered 9.31%.

The worst peak-to-trough decline Baroda BNP Paribas Credit Risk Fund -Direct-Growth Option has experienced over the last 5-year window is 0.85% — its NAV fell from a high on 02 May 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, Baroda BNP Paribas Credit Risk Fund -Direct-Growth Option averaged 8.29% (best 11.29%, worst 6.45%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.71 — reasonable risk-adjusted performance.

In calendar year 2025, Baroda BNP Paribas Credit Risk Fund -Direct-Growth Option returned 8.97% — lagging the Credit Risk Fund category average of 11.47% by 2.50 pp. It ranked #9 of 13 in its category that year.

Baroda BNP Paribas Credit Risk Fund -Direct-Growth Option 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. Baroda BNP Paribas Credit Risk Fund -Direct-Growth Option 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: 0.8%. 5-year CAGR: 9.31%.

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

Baroda BNP Paribas Credit Risk Fund -Direct-Growth Option

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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