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: 1.82%.

Baroda BNP Paribas

Baroda BNP Paribas Credit Risk Fund -Direct- Quarterly IDCW

Latest NAV

₹12.6627

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%	+0.03%	0.00	25 / 37	Q3
1W	-0.01%	-0.01%	+0.00	21 / 37	Q3
2W	-0.01%	+0.00%	-0.01	23 / 37	Q3
1M	-1.28%	+0.19%	-1.47	35 / 37	Q4
3M	-0.09%	+1.16%	-1.25	34 / 37	Q4
6M	-0.04%	+1.67%	-1.71	30 / 37	Q4
YTD	-0.15%	+1.98%	-2.14	33 / 37	Q4
1Y	-0.92%	+3.50%	-4.42	32 / 37	Q4
2Y	+0.22%	+4.71%	-4.49	34 / 37	Q4
3Y	+0.24%	+4.38%	-4.14	32 / 37	Q4
4Y	+0.65%	+4.32%	-3.67	28 / 33	Q4
5Y	+1.82%	+5.01%	-3.19	19 / 33	Q3
7Y	+2.35%	+3.53%	-1.17	13 / 33	Q2
10Y	+1.71%	+2.93%	-1.22	14 / 26	Q3
Inception	+2.04%	+2.99%	-0.95	17 / 37	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	-0.15%	+2.19%	-2.34	29 / 32
2025	+0.56%	+5.69%	-5.14	28 / 32
2024	+0.43%	+4.08%	-3.64	23 / 32
2023	+0.87%	+4.18%	-3.31	24 / 32
2022	+0.15%	+6.69%	-6.54	24 / 32
2021	+13.81%	+7.06%	+6.75	9 / 32
2020	+1.20%	-1.76%	+2.96	15 / 34
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

+2.01%

128 windows

min -7.5% · max 16.2%

70% positive

3-Year rolling

+1.98%

104 windows

min -3.1% · max 7.6%

81% positive

5-Year rolling

+2.34%

79 windows

min -0.5% · max 4.9%

97% positive

7-Year rolling

+2.19%

55 windows

min 1.7% · max 3.0%

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

3.24%

3-year · annualised

Sharpe ratio

-1.91

vs risk-free 6.5%

Sortino ratio

-2.42

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	₹24.5987	17 Jul 2026
NIPPON INDIA CREDIT RISK FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
SBI Credit Risk Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.9714	17 Jul 2026
ICICI Prudential Credit Risk Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹12.0282	17 Jul 2026
Invesco India Credit Risk Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,352.0932	17 Jul 2026
BANDHAN Credit Risk Fund-Direct Plan-Annual IDCW	Bandhan	₹10.5272	17 Jul 2026
Aditya Birla Sun Life Credit Risk Fund - Direct - IDCW	Aditya Birla Sun Life	₹14.5686	17 Jul 2026
Franklin India Credit Risk Fund-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct IDCW	Franklin India	₹0.0000	17 Jul 2026
Kotak Credit Risk Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹27.0252	17 Jul 2026
DSP Credit Risk Fund - Direct Plan - IDCW - Monthly	DSP	₹11.2112	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹12.6627
16 Jul 2026	₹12.6592
15 Jul 2026	₹12.6499
14 Jul 2026	₹12.6462
13 Jul 2026	₹12.6636
10 Jul 2026	₹12.6637
9 Jul 2026	₹12.6586
8 Jul 2026	₹12.6490
7 Jul 2026	₹12.6678
6 Jul 2026	₹12.6719

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- Quarterly IDCW is ₹12.6627. 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 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- 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 -0.92% — -4.42 pp behind the Credit Risk Fund category average of 3.50%. The fund ranks #32 of 37 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 0.24% — -4.14 pp behind the Credit Risk Fund category average of 4.38%. The fund ranks #32 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 1.82% — -3.19 pp behind the Credit Risk Fund category average of 5.01%. The fund ranks #19 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 ₹118,433 today — a multiplier of 1.18×, based on the 10-year CAGR of 1.71%. The category average over the same window would have grown ₹1 lakh to ₹133,464.

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 ₹602,950 today. That's an XIRR (money-weighted annualised return) of 0.19%.

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 ₹1,295,070 (multiplier 1.08×). XIRR: 1.50%. 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 #19 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 5.01%; this fund delivered 1.82%.

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 4.91%, worst -0.52%). 97% of rolling windows ended positive. The 5-year Sharpe ratio is -1.13 — 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: 1.82%.

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