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: 9.16%.

Baroda BNP Paribas

Baroda BNP Paribas Credit Risk Fund -Direct-Growth Option

Latest NAV

₹25.9501

As of

3 Jun 2026

2,742 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%	+18.47%	-18.43	11 / 16	Q3
1W	+0.24%	+15.49%	-15.25	13 / 19	Q3
2W	+0.35%	+29.32%	-28.97	14 / 17	Q4
1M	+0.39%	+29.50%	-29.11	9 / 17	Q3
3M	+1.33%	+31.41%	-30.08	8 / 17	Q2
6M	+2.70%	+34.09%	-31.39	11 / 17	Q3
YTD	+2.27%	+31.67%	-29.40	11 / 17	Q3
1Y	+6.42%	+32.15%	-25.73	12 / 18	Q3
2Y	+8.27%	+9.01%	-0.73	11 / 17	Q3
3Y	+8.28%	+9.42%	-1.14	9 / 14	Q3
4Y	+8.22%	+8.71%	-0.49	8 / 13	Q3
5Y	+9.16%	+8.37%	+0.79	4 / 13	Q2
7Y	+8.40%	+7.50%	+0.90	4 / 13	Q2
10Y	+8.37%	+7.61%	+0.76	4 / 12	Q2
Inception	+8.72%	+2.17%	+6.55	7 / 18	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	+2.27%	+2.95%	-0.68	8 / 13
2025	+8.97%	+11.47%	-2.50	9 / 13
2024	+8.99%	+8.95%	+0.04	4 / 13
2023	+8.16%	+1.35%	+6.81	5 / 15
2022	+5.43%	+43.89%	-38.46	6 / 15
2021	+20.03%	-0.51%	+20.54	2 / 16
2020	+3.10%	+2.43%	+0.67	10 / 14
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

+8.81%

127 windows

min -3.5% · max 21.5%

96% positive

3-Year rolling

+8.35%

102 windows

min 2.8% · max 12.8%

100% positive

5-Year rolling

+8.27%

78 windows

min 6.4% · max 11.1%

100% positive

7-Year rolling

+8.25%

54 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

0.82%

3-year · annualised

Sharpe ratio

1.80

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	₹27.5375	3 Jun 2026
Nippon India Credit Risk Fund - Direct Plan - Growth Plan	Nippon India	₹41.2014	3 Jun 2026
SBI CREDIT RISK FUND - DIRECT PLAN -GROWTH	SBI	₹52.3817	3 Jun 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Growth	ICICI Prudential	₹37.5622	3 Jun 2026
Invesco India Credit Risk Fund - Direct Plan - Growth	Invesco	₹2,293.2545	3 Jun 2026
BANDHAN Credit Risk Fund-Direct Plan-Growth	Bandhan	₹18.6046	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹27.2820	3 Jun 2026
Franklin India Credit Risk Fund - Segregated Portfolio 3 (9.50% Yes bank Ltd CO 23Dec21) - Direct Growth Plan	Franklin India	₹0.0000	3 Jun 2026
Kotak Credit Risk Fund - Growth - Direct	Kotak	₹35.2782	3 Jun 2026
DSP Credit Risk Fund - Direct Plan - Growth	DSP	₹59.3955	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹25.9501
2 Jun 2026	₹25.9507
1 Jun 2026	₹25.9391
29 May 2026	₹25.9317
27 May 2026	₹25.9085
26 May 2026	₹25.8894
25 May 2026	₹25.8825
22 May 2026	₹25.8476
21 May 2026	₹25.8333
20 May 2026	₹25.8541

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 Baroda BNP Paribas Credit Risk Fund -Direct-Growth Option is ₹25.9501. 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 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.

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 6.42% — -25.73 pp behind the Credit Risk Fund category average of 32.15%. The fund ranks #12 of 18 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Baroda BNP Paribas Credit Risk Fund -Direct-Growth Option has delivered a CAGR of 8.28% — -1.14 pp behind the Credit Risk Fund category average of 9.42%. The fund ranks #9 of 14 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Baroda BNP Paribas Credit Risk Fund -Direct-Growth Option has delivered a CAGR of 9.16% — +0.79 pp ahead of the Credit Risk Fund category average of 8.37%. 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 ₹223,460 today — a multiplier of 2.23×, based on the 10-year CAGR of 8.37%. The category average over the same window would have grown ₹1 lakh to ₹208,307.

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 ₹737,486 today. That's an XIRR (money-weighted annualised return) of 8.18%.

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 ₹1,844,057 (multiplier 1.54×). XIRR: 8.32%. 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 8.37%; this fund delivered 9.16%.

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 8.27% (best 11.14%, worst 6.40%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.69 — 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: 9.16%.

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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