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

We don't give personal investment advice. Baroda BNP Paribas Credit Risk Fund -Direct- 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: 2.9%. 5-year CAGR: 1.87%.

Baroda BNP Paribas

Baroda BNP Paribas Credit Risk Fund -Direct- Quarterly IDCW

Latest NAV

₹12.7378

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	28 / 44	Q3
1W	+0.24%	+26.93%	-26.69	28 / 51	Q3
2W	+0.35%	+44.08%	-43.73	27 / 45	Q3
1M	+0.39%	+44.33%	-43.94	19 / 45	Q2
3M	-0.49%	+45.80%	-46.29	38 / 45	Q4
6M	-1.09%	+47.80%	-48.89	39 / 45	Q4
YTD	+0.44%	+45.06%	-44.63	30 / 45	Q3
1Y	-1.57%	+37.65%	-39.22	39 / 50	Q4
2Y	-0.04%	+0.08%	-0.12	41 / 49	Q4
3Y	+0.21%	+4.19%	-3.99	30 / 37	Q4
4Y	+0.68%	+4.28%	-3.60	27 / 33	Q4
5Y	+1.87%	+4.97%	-3.10	21 / 33	Q3
7Y	+2.36%	+3.15%	-0.79	13 / 33	Q2
10Y	+1.74%	+2.93%	-1.19	14 / 26	Q3
Inception	+2.12%	-10.07%	+12.19	23 / 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	+0.44%	+1.31%	-0.87	20 / 32
2025	+0.56%	+5.69%	-5.14	28 / 32
2024	+0.43%	+4.08%	-3.64	23 / 32
2023	+0.87%	+1.03%	-0.16	24 / 33
2022	+0.15%	+58.89%	-58.74	31 / 39
2021	+13.81%	-8.73%	+22.54	9 / 44
2020	+1.20%	-3.99%	+5.19	15 / 39
2019	-1.98%	-0.88%	-1.10	24 / 35
2018	-0.96%	+0.62%	-1.58	27 / 34
2017	+1.65%	+1.91%	-0.26	9 / 29
2016	+6.16%	+4.63%	+1.53	8 / 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

+2.11%

127 windows

min -6.2% · max 16.1%

70% positive

3-Year rolling

+2.05%

102 windows

min -3.3% · max 7.6%

81% positive

5-Year rolling

+2.34%

78 windows

min -0.6% · max 4.8%

97% positive

7-Year rolling

+2.20%

54 windows

min 1.7% · max 3.1%

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

3.21%

3-year · annualised

Sharpe ratio

-1.95

vs risk-free 6.5%

Sortino ratio

-2.45

Downside-only deviation

Max drawdown

-2.90%

Jun 2025 → Apr 2026

% positive months

66.7%

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	₹12.7378
2 Jun 2026	₹12.7380
1 Jun 2026	₹12.7324
29 May 2026	₹12.7287
27 May 2026	₹12.7174
26 May 2026	₹12.7080
25 May 2026	₹12.7046
22 May 2026	₹12.6874
21 May 2026	₹12.6804
20 May 2026	₹12.6906

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- Quarterly IDCW is ₹12.7378. 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- Quarterly 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- Quarterly 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- Quarterly IDCW has delivered a absolute return of -1.57% — -39.22 pp behind the Credit Risk Fund category average of 37.65%. The fund ranks #39 of 50 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Baroda BNP Paribas Credit Risk Fund -Direct- Quarterly IDCW has delivered a CAGR of 0.21% — -3.99 pp behind the Credit Risk Fund category average of 4.19%. The fund ranks #30 of 37 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Baroda BNP Paribas Credit Risk Fund -Direct- Quarterly IDCW has delivered a CAGR of 1.87% — -3.1 pp behind the Credit Risk Fund category average of 4.97%. The fund ranks #21 of 33 in its category — the third (Q3) quartile.

₹1 lakh invested in Baroda BNP Paribas Credit Risk Fund -Direct- Quarterly IDCW exactly 10 years ago would be worth approximately ₹118,812 today — a multiplier of 1.19×, based on the 10-year CAGR of 1.74%. 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- Quarterly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹609,242 today. That's an XIRR (money-weighted annualised return) of 0.60%.

A ₹10,000 monthly SIP for 10 years in Baroda BNP Paribas Credit Risk Fund -Direct- Quarterly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,307,718 (multiplier 1.09×). XIRR: 1.70%. 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- Quarterly IDCW ranks #21 out of 33 funds in the Credit Risk Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 4.97%; this fund delivered 1.87%.

The worst peak-to-trough decline Baroda BNP Paribas Credit Risk Fund -Direct- Quarterly IDCW has experienced over the last 5-year window is 2.90% — its NAV fell from a high on 26 Jun 2025 to a low on 02 Apr 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- Quarterly IDCW averaged 2.34% (best 4.77%, worst -0.56%). 97% of rolling windows ended positive. The 5-year Sharpe ratio is -1.15 — negative risk-adjusted performance.

In calendar year 2025, Baroda BNP Paribas Credit Risk Fund -Direct- Quarterly IDCW returned 0.56% — lagging the Credit Risk Fund category average of 5.69% by 5.14 pp. It ranked #28 of 32 in its category that year.

Baroda BNP Paribas Credit Risk Fund -Direct- 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. Baroda BNP Paribas Credit Risk Fund -Direct- 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: 2.9%. 5-year CAGR: 1.87%.

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