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

We don't give personal investment advice. Baroda BNP Paribas Credit Risk Fund -Regular-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: 3.5%. 5-year CAGR: 1.06%.

Baroda BNP Paribas

Baroda BNP Paribas Credit Risk Fund -Regular-Quarterly IDCW

Latest NAV

₹11.5820

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%	+0.02%	+0.00	18 / 31	Q3
1W	-0.02%	-0.02%	0.00	17 / 31	Q3
2W	-0.04%	-0.04%	+0.00	15 / 31	Q2
1M	-1.34%	+0.26%	-1.60	30 / 31	Q4
3M	-0.29%	+1.00%	-1.29	27 / 31	Q4
6M	-0.42%	+1.38%	-1.79	26 / 31	Q4
YTD	-0.56%	+1.54%	-2.11	27 / 31	Q4
1Y	-1.68%	+3.10%	-4.79	28 / 31	Q4
2Y	-0.54%	+5.13%	-5.67	30 / 31	Q4
3Y	-0.54%	+4.78%	-5.32	31 / 31	Q4
4Y	-0.16%	+4.49%	-4.65	28 / 28	Q4
5Y	+1.06%	+5.32%	-4.26	22 / 28	Q4
7Y	+1.83%	+3.49%	-1.66	12 / 28	Q2
10Y	+0.98%	+2.51%	-1.52	14 / 23	Q3
Inception	+1.25%	+2.75%	-1.50	18 / 31	Q3

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	-0.56%	+1.49%	-2.06	26 / 30
2025	-0.21%	+6.54%	-6.75	29 / 30
2024	-0.33%	+3.89%	-4.22	26 / 30
2023	-0.05%	+4.30%	-4.35	28 / 31
2022	-0.63%	+7.38%	-8.01	26 / 28
2021	+13.19%	+5.79%	+7.40	6 / 28
2020	+2.34%	-2.28%	+4.62	11 / 28
2019	-2.82%	-1.86%	-0.97	18 / 28
2018	-2.22%	-0.45%	-1.77	20 / 28
2017	+0.15%	+1.47%	-1.32	16 / 24
2016	+4.81%	+4.33%	+0.48	8 / 24

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

+1.25%

128 windows

min -8.5% · max 16.5%

52% positive

3-Year rolling

+1.27%

104 windows

min -4.2% · max 7.6%

63% positive

5-Year rolling

+1.73%

79 windows

min -1.7% · max 4.5%

87% positive

7-Year rolling

+1.55%

55 windows

min 1.1% · max 2.3%

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

3.24%

3-year · annualised

Sharpe ratio

-2.15

vs risk-free 6.5%

Sortino ratio

-2.59

Downside-only deviation

Max drawdown

-3.47%

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
SBI Credit Risk Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.2822	17 Jul 2026
Invesco India Credit Risk Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹2,071.6654	17 Jul 2026
BANDHAN Credit Risk Fund - Regular Plan Annual IDCW	Bandhan	₹10.4254	17 Jul 2026
Aditya Birla Sun Life Credit Risk Fund - Regular - IDCW	Aditya Birla Sun Life	₹13.1658	17 Jul 2026
Kotak Credit Risk Fund - Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹13.7779	17 Jul 2026
DSP BlackRock Floating Rate Fund - Regular Plan-Daily Dividend	DSP BlackRock	₹11.1130	17 Jul 2026
DSP Credit Risk Fund - Regular Plan - IDCW - Monthly	DSP	₹11.2701	17 Jul 2026
HSBC Credit Risk Fund - Regular Annual IDCW	HSBC	₹12.4250	17 Jul 2026
Baroda BNP Paribas Credit Risk fund - Regular-Quarterly- IDCW option -Seg. Portfolio 2 (erstwhile BBNPP Medium Duration Fund Regular-Quarterly IDCW option Seg. Portfolio 1)	Baroda BNP Paribas	₹0.0000	17 Jul 2026
UTI - Credit Risk Fund (Segregated - 06032020) - Regular Plan - Annual Dividend Option	UTI	₹0.0000	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹11.5820
16 Jul 2026	₹11.5790
15 Jul 2026	₹11.5708
14 Jul 2026	₹11.5676
13 Jul 2026	₹11.5839
10 Jul 2026	₹11.5847
9 Jul 2026	₹11.5802
8 Jul 2026	₹11.5717
7 Jul 2026	₹11.5892
6 Jul 2026	₹11.5932

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 -Regular-Quarterly IDCW is ₹11.5820. It's a Credit Risk Fund from Baroda BNP Paribas, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Baroda BNP Paribas Credit Risk Fund -Regular-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 -Regular-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 -Regular-Quarterly IDCW has delivered a absolute return of -1.68% — -4.79 pp behind the Credit Risk Fund category average of 3.10%. The fund ranks #28 of 31 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Baroda BNP Paribas Credit Risk Fund -Regular-Quarterly IDCW has delivered a CAGR of -0.54% — -5.32 pp behind the Credit Risk Fund category average of 4.78%. The fund ranks #31 of 31 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Baroda BNP Paribas Credit Risk Fund -Regular-Quarterly IDCW has delivered a CAGR of 1.06% — -4.26 pp behind the Credit Risk Fund category average of 5.32%. The fund ranks #22 of 28 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Baroda BNP Paribas Credit Risk Fund -Regular-Quarterly IDCW exactly 10 years ago would be worth approximately ₹110,276 today — a multiplier of 1.10×, based on the 10-year CAGR of 0.98%. The category average over the same window would have grown ₹1 lakh to ₹128,078.

A ₹10,000 monthly SIP in Baroda BNP Paribas Credit Risk Fund -Regular-Quarterly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹590,998 today. That's an XIRR (money-weighted annualised return) of -0.59%.

A ₹10,000 monthly SIP for 10 years in Baroda BNP Paribas Credit Risk Fund -Regular-Quarterly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,252,611 (multiplier 1.04×). XIRR: 0.85%. 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 -Regular-Quarterly IDCW ranks #22 out of 28 funds in the Credit Risk Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 5.32%; this fund delivered 1.06%.

The worst peak-to-trough decline Baroda BNP Paribas Credit Risk Fund -Regular-Quarterly IDCW has experienced over the last 5-year window is 3.47% — 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 -Regular-Quarterly IDCW averaged 1.73% (best 4.51%, worst -1.66%). 87% of rolling windows ended positive. The 5-year Sharpe ratio is -1.31 — negative risk-adjusted performance.

In calendar year 2025, Baroda BNP Paribas Credit Risk Fund -Regular-Quarterly IDCW returned -0.21% — lagging the Credit Risk Fund category average of 6.54% by 6.75 pp. It ranked #29 of 30 in its category that year.

Baroda BNP Paribas Credit Risk Fund -Regular-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 -Regular-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: 3.5%. 5-year CAGR: 1.06%.

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