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

We don't give personal investment advice. Baroda BNP Paribas Credit Risk Fund -Direct- Monthly 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: 1.6%. 5-year CAGR: 4.34%.

Baroda BNP Paribas

Baroda BNP Paribas Credit Risk Fund -Direct- Monthly IDCW

Latest NAV

₹14.2327

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%	+13.44%	-13.40	25 / 44	Q3
1W	-0.32%	+26.93%	-27.25	44 / 51	Q4
2W	-0.21%	+44.08%	-44.29	42 / 45	Q4
1M	-0.17%	+44.33%	-44.50	42 / 45	Q4
3M	-0.36%	+45.80%	-46.16	36 / 45	Q4
6M	-0.90%	+47.80%	-48.70	37 / 45	Q4
YTD	-0.69%	+45.06%	-45.75	39 / 45	Q4
1Y	-1.08%	+37.65%	-38.74	35 / 50	Q3
2Y	+0.43%	+0.08%	+0.34	37 / 49	Q4
3Y	+0.62%	+4.19%	-3.57	26 / 37	Q3
4Y	+2.28%	+4.28%	-2.01	18 / 33	Q3
5Y	+4.34%	+4.97%	-0.63	15 / 33	Q2
7Y	+3.89%	+3.15%	+0.73	9 / 33	Q2
10Y	+2.85%	+2.93%	-0.08	8 / 26	Q2
Inception	+3.12%	-10.07%	+13.19	20 / 54	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	-0.69%	+1.31%	-2.00	28 / 32
2025	+1.07%	+5.69%	-4.62	25 / 32
2024	+0.99%	+4.08%	-3.09	18 / 32
2023	+3.41%	+1.03%	+2.39	17 / 33
2022	+5.43%	+58.89%	-53.46	11 / 39
2021	+20.03%	-8.73%	+28.76	6 / 44
2020	+0.40%	-3.99%	+4.39	22 / 39
2019	-4.60%	-0.88%	-3.72	28 / 35
2018	-0.87%	+0.62%	-1.49	24 / 34
2017	+1.72%	+1.91%	-0.19	8 / 29
2016	+5.02%	+4.63%	+0.39	12 / 28

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

+3.32%

127 windows

min -10.2% · max 21.5%

72% positive

3-Year rolling

+3.33%

102 windows

min -4.5% · max 12.8%

81% positive

5-Year rolling

+3.62%

78 windows

min -1.3% · max 7.8%

91% positive

7-Year rolling

+3.49%

54 windows

min 3.1% · max 3.9%

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

0.80%

3-year · annualised

Sharpe ratio

-7.39

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.63%

May 2025 → May 2026

% positive months

55.6%

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 - IDCW Option - Direct Plan	HDFC	₹24.1395	3 Jun 2026
NIPPON INDIA CREDIT RISK FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Credit Risk Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.6214	3 Jun 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹11.9696	3 Jun 2026
Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,310.3743	3 Jun 2026
BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW	Bandhan	₹10.3422	3 Jun 2026
Aditya Birla Sun Life Credit Risk Fund - Direct - IDCW	Aditya Birla Sun Life	₹14.2712	3 Jun 2026
Franklin India Credit Risk Fund-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct IDCW	Franklin India	₹0.0000	3 Jun 2026
Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹26.4973	3 Jun 2026
DSP Credit Risk Fund - Direct Plan - IDCW - Monthly	DSP	₹11.2097	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹14.2327
2 Jun 2026	₹14.2330
1 Jun 2026	₹14.2267
29 May 2026	₹14.2226
27 May 2026	₹14.2898
26 May 2026	₹14.2793
25 May 2026	₹14.2755
22 May 2026	₹14.2562
21 May 2026	₹14.2483
20 May 2026	₹14.2598

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- Monthly IDCW is ₹14.2327. It's a Credit Risk Fund from Baroda BNP Paribas, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Baroda BNP Paribas Credit Risk Fund -Direct- Monthly IDCW 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- Monthly IDCW 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- Monthly IDCW has delivered a absolute return of -1.08% — -38.74 pp behind the Credit Risk Fund category average of 37.65%. The fund ranks #35 of 50 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Baroda BNP Paribas Credit Risk Fund -Direct- Monthly IDCW has delivered a CAGR of 0.62% — -3.57 pp behind the Credit Risk Fund category average of 4.19%. The fund ranks #26 of 37 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Baroda BNP Paribas Credit Risk Fund -Direct- Monthly IDCW has delivered a CAGR of 4.34% — -0.63 pp behind the Credit Risk Fund category average of 4.97%. The fund ranks #15 of 33 in its category — the second (Q2) quartile.

₹1 lakh invested in Baroda BNP Paribas Credit Risk Fund -Direct- Monthly IDCW exactly 10 years ago would be worth approximately ₹132,438 today — a multiplier of 1.32×, based on the 10-year CAGR of 2.85%. The category average over the same window would have grown ₹1 lakh to ₹133,503.

A ₹10,000 monthly SIP in Baroda BNP Paribas Credit Risk Fund -Direct- Monthly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹625,710 today. That's an XIRR (money-weighted annualised return) of 1.65%.

A ₹10,000 monthly SIP for 10 years in Baroda BNP Paribas Credit Risk Fund -Direct- Monthly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,406,572 (multiplier 1.17×). XIRR: 3.12%. 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- Monthly IDCW ranks #15 out of 33 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 4.97%; this fund delivered 4.34%.

The worst peak-to-trough decline Baroda BNP Paribas Credit Risk Fund -Direct- Monthly IDCW has experienced over the last 5-year window is 1.63% — its NAV fell from a high on 27 May 2025 to a low on 29 May 2026. 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- Monthly IDCW averaged 3.62% (best 7.80%, worst -1.28%). 91% of rolling windows ended positive. The 5-year Sharpe ratio is -0.59 — negative risk-adjusted performance.

In calendar year 2025, Baroda BNP Paribas Credit Risk Fund -Direct- Monthly IDCW returned 1.07% — lagging the Credit Risk Fund category average of 5.69% by 4.62 pp. It ranked #25 of 32 in its category that year.

Baroda BNP Paribas Credit Risk Fund -Direct- Monthly 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. Baroda BNP Paribas Credit Risk Fund -Direct- Monthly 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: 1.6%. 5-year CAGR: 4.34%.

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