BANDHAN CREDIT RISK FUND - Direct Plan - Half Yearly IDCW
The Fund seeks to generate returns by investing predominantly in AA and below rated corporate debt securities across maturities.
AMC websiteScheme documentsNAV history (AMFI)हिंदी में
- Current NAV₹10.0219
- Fund Size (AUM)₹ 221 Cr.
- Expense Ratio0.67 %
- 1Y Return-0.68%
- 3Y Return (CAGR)-0.68%
- 5Y Return (CAGR)-0.68%
- Category Rank (3Y)—
- RiskometerModerately High Risk
- Min. SIP / Lump sum₹ 100 / ₹ 1,000
More figures (11)
- Since Launch (CAGR)+0.02%
- Benchmark—
- Volatility (3Y)—
- Sharpe Ratio (3Y)—
- Beta (3Y)—
- 52-week High / Low₹10.4610 / ₹10.0140
- Max Drawdown-6.2 %
- Launched3 Mar 2017
- Lock-inNone
- Portfolio Turnover—
- Fund ManagersGautam Kaul, Brijesh Shah, Debraj Lahiri
Performance chart
Past performance may or may not be sustained in future.
Quick take
- Over 5 years it returned -0.7% a year.
- Its biggest fall from a peak was 6.2% (6 Mar 2020 to 26 Mar 2020).
- Across all 3-year periods since launch, yearly returns ranged from -1.7% to 3.7% and were positive 72% of the time.
- Expense ratio 0.67%, fund size ₹221 crore.
Pros
AI- Expense ratio of 0.67% is below the category median of 0.81%.
Cons
AI- Returns were negative in 28% of all 3-year periods since launch.
- Small fund size of ₹221 crore.
Pros and cons are generated automatically from the scheme's published figures. They are observations about past data, not a recommendation to invest, switch or redeem.
AI analysis
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Book a free consultation Compare with other fundsReturns vs benchmark and category
| Returns (%) | 1W | 1M | 3M | 6M | YTD | 1Y | 2Y | 3Y | 5Y | 7Y | 10Y | Since launch |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| This fund | -4.05% | -4.10% | -0.68% | -0.68% | -0.68% | -0.68% | -0.68% | -0.68% | -0.68% | -0.19% | — | +0.02% |
Point-to-point NAV returns as on 5 Oct 2026; over 1 year, yearly compounded (CAGR). Category: Direct Growth plans in Credit Risk Funds. Q1 = top quarter by return over that period.
Calendar-year returns
| Year | 2026 YTD | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| This fund | -4.11% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | +0.48% | +0.16% | +2.28% |
January to December each year; the current year is to date.
Month-by-month returns (%)
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Year |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -3.9 | 0.1 | |||||||||||
| 2020 | 0.8 | 1.3 | -3.5 | -1.8 | 1.7 | 1.5 | 1.0 | -0.4 | |||||
| 2019 | 0.7 | 0.5 | -3.3 | 0.3 | 1.4 | 0.4 | 1.4 | 0.7 | -4.3 | 1.1 | 0.9 | 0.5 | 0.2 |
| 2018 | 0.4 | 0.1 | -0.4 | -0.4 | 0.2 | 0.5 | 0.8 | 0.6 | -2.0 | 0.5 | 1.1 | 0.9 | 2.3 |
| 2017 | 0.5 | 1.0 | 1.0 | 1.1 | 0.7 | -4.3 | 0.7 | 0.2 | -0.1 |
Change in NAV from the last business day of one month to the last business day of the next. Positive in 32 of 43 months shown (74%). "Year" is shown for complete calendar years.
How it handled market falls
Biggest falls in this fund's NAV
| Peak | Bottom | Fall | Back to the peak on | Time to recover |
|---|---|---|---|---|
| 6 Mar 2020 | 26 Mar 2020 | -6.2% | Not yet | — |
Falls of 5% or more from a previous high, deepest first. Time to recover runs from the bottom to the day the NAV regained its old high.
SIP returns: ₹10,000 every month
| SIP for | Invested | Value today | Gain | XIRR |
|---|---|---|---|---|
| 1Y | ₹1,20,000 | ₹1,15,106 | ₹-4,894 | -7.44% |
| 3Y | ₹3,60,000 | ₹3,45,236 | ₹-14,764 | -2.70% |
| 5Y | ₹6,00,000 | ₹5,75,367 | ₹-24,633 | -1.65% |
A ₹10,000 instalment on the same date every month, valued at the latest NAV. XIRR is the yearly return on those dated instalments. Try the SIP calculator.
What your investment would be worth
Worked out from the scheme's weekly NAVs (instalments on the first NAV of each month), so it can differ slightly from your statement. Past performance may or may not be sustained in future. Plan a future SIP.
Compare with all Credit Risk Funds (12)
| S.No. | Scheme (Direct plans, Growth) | NAV ₹ | 1M % | 6M % | 1Y % | 3Y % CAGR | 5Y % CAGR | Expense ratio % | Fund size ₹ Cr | Riskometer |
|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Aditya Birla Sun Life Credit Risk FundAditya Birla Sun Life Mutual Fund | ₹28.1470 | — | — | — | — | — | 0.80 | 1,657 | Moderately High Risk |
| 2. | Axis Credit Risk FundAxis Mutual Fund | ₹26.4538 | — | — | — | — | — | 0.82 | 378 | High Risk |
| 3. | BANDHAN CREDIT RISK FUNDBandhan Mutual Fund | ₹19.0615 | — | — | — | — | — | 0.67 | 221 | Moderately High Risk |
| 4. | BANK OF INDIA CREDIT RISK FUNDBank of India Mutual Fund | ₹14.9455 | — | — | — | — | — | 0.62 | 74 | Moderately High Risk |
| 5. | DSP Credit Risk FundDSP Mutual Fund | ₹60.8646 | — | — | — | — | — | 0.44 | 326 | Moderate Risk |
| 6. | HDFC Credit Risk FundHDFC Mutual Fund | ₹28.3283 | — | — | — | — | — | 1.01 | 7,631 | High Risk |
| 7. | HSBC Credit Risk FundHSBC Mutual Fund | ₹37.8349 | — | — | — | — | — | 0.84 | 441 | Moderately High Risk |
| 8. | ICICI Prudential Credit Risk FundICICI Prudential Mutual Fund | ₹38.6704 | — | — | — | — | — | 0.80 | 6,320 | Very High Risk |
| 9. | Invesco India Credit Risk FundInvesco Mutual Fund | ₹2,347.26 | — | — | — | — | — | 0.28 | 167 | Moderately High Risk |
| 10. | Kotak Credit Risk FundKotak Mahindra Mutual Fund | ₹36.2707 | — | — | — | — | — | 0.81 | 769 | Moderate Risk |
| 11. | SBI CREDIT RISK FUNDSBI Mutual Fund | ₹54.1316 | — | — | — | — | — | 0.91 | 2,182 | High Risk |
| 12. | UTI - Credit Risk Fund.UTI Mutual Fund | ₹20.8690 | — | — | — | — | — | 1.04 | 241 | Moderately High Risk |
| Median: 12 schemes | — | — | — | — | — | — | 0.81 | 410 | — |
Detailed comparison with another fund About Credit Risk Funds
Sorted by 3-year return; tap a heading to sort. Expense ratio and fund size are from published scheme data ("—" = not available yet). Sorting by past returns is a way to explore data, not a ranking of which fund to choose.
Scheme details
- Investment objective
- The Fund seeks to generate returns by investing predominantly in AA and below rated corporate debt securities across maturities.
- Fund managers
- Gautam Kaul, Brijesh Shah, Debraj Lahiri
- Fund house
- Bandhan Mutual Fund
- Category
- Credit Risk Funds · Debt
- Plan / option
- Direct · IDCW (income distribution)
- AMFI scheme code
- 140605
- ISIN
- INF194KA1X04, INF194KA1X12
- Scheme documents
- SID, KIM and factsheets (fund house website) · exit load and full portfolio are in these documents.
About Credit Risk Funds
Credit Risk Funds invest at least 65% in bonds rated AA and below. Higher interest comes with a real risk of default.
Generally used by only investors who understand and accept credit risk.
Other plans of this scheme
- BANDHAN CREDIT RISK FUND - Direct Plan - Growth
- BANDHAN CREDIT RISK FUND - Regular Plan - Growth
- BANDHAN CREDIT RISK FUND - Direct Plan - Annual IDCW
- BANDHAN CREDIT RISK FUND - Direct Plan - Periodic IDCW
- BANDHAN CREDIT RISK FUND - Direct Plan - Quarterly IDCW
- BANDHAN CREDIT RISK FUND - Regular Plan - Annual IDCW
- BANDHAN CREDIT RISK FUND - Regular Plan - Half Yearly IDCW
- BANDHAN CREDIT RISK FUND - Regular Plan - Periodic IDCW
Tax on your gains
Likely tax treatment: Debt-oriented fund ("specified mutual fund")
- Units bought on or after 1 April 2023: gains are added to your income and taxed at your slab rate, however long you hold them.
- No long-term rate or indexation benefit for these units.
- Dividends (IDCW option) are added to your income and taxed at your slab rate; the fund deducts 10% TDS when they exceed ₹10,000 in a year.
- Switching from one scheme or plan to another counts as selling and buying.
- Surcharge and 4% health and education cess apply on top of these rates.
| Fund type | Short-term | Long-term |
|---|---|---|
| Equity-oriented | 20% (up to 12 months) | 12.5% above ₹1.25 lakh |
| Debt-oriented (bought from Apr 2023) | Slab rate | Slab rate |
| Gold, international, other hybrid | Slab rate | 12.5% (after 12 or 24 months) |
Exit load, if any, is set out in the scheme's KIM (scheme documents). Tax rules change from time to time and depend on your situation; please confirm with your tax adviser. This is general information, not tax advice.
Fund managers
From the scheme details published by the fund house. "Also manages" lists schemes we have on record and grows as more schemes are viewed.
Latest news: Bandhan Mutual Fund
- Bandhan AMC’s Suyash Choudhary on RBI rate hikes, bond yields, and debt strategyLivemint · 19 h ago
- Record SIP Inflows Signal Investor Resilience Amid Market Weakness, Say WhiteOak, Bandhan AMC CEOsNDTV Profit · 13 Oct
- India's Bandhan AMC minimizes bond duration, sees up to 100 bps of rate hikes, exec saysTradingView · 8 Oct
- Zaggle expects Zoyer platform to contribute up to 50% of revenue as Bandhan AMC deal expands SaaS businessCNBC TV18 · 28 Sep
- Markets may consolidate for a year; current large-cap valuations reasonable: Bandhan AMC's Karthik KumarCNBC TV18 · 25 Sep
- Zaggle Prepaid Ocean Services Enters Commercial Agreement with Bandhan AMC for Zoyer PlatformEquityBulls · 18 Sep
- Bandhan Mutual Fund: Increases Mastek Stake to 5.05%InvestyWise · 18 Sep
- Zaggle Prepaid Ocean Services (NSE:ZAGGLE): What Does Its New Deal With Bandhan AMC Mean?Kalkine India · 18 Sep
Headlines from Google News about this fund house and its schemes over the last 30 days. Lists of "best funds" and buy or sell calls are left out. Links open the publisher's site.
Questions about this scheme
What is the NAV of BANDHAN CREDIT RISK FUND today?
What returns has BANDHAN CREDIT RISK FUND given?
What is the expense ratio of BANDHAN CREDIT RISK FUND?
How risky is this fund?
What is the difference between Direct and Regular plans?
What are Credit Risk Funds?
How are gains from BANDHAN CREDIT RISK FUND taxed?
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